23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, I recently submitted a complaint also filled a FTC report regarding my credit file and how the negative accounts I listed in my dispute with experian as of today XX/XX/1922 I have not gotten any updates or status reports as I stated in my disputes which I sent out last month XXXX XXXX the company Experian has repeatedly ignored my request for a thought investigation and failed to provide me with written documents or any information pertaining to my file, however they have only updated my accounts and in fact re aged them to harm my credit further, this is a clear violation as I stated in my letter Ive requested verification evidence that proved or shown that I was responsible for the accounts they have listed and they as well as the companies making these accusations failed to do, someone clearly has opened these accounts without my knowledge and I want them removed rather then for the reporting agency to update its been well over a year of me requesting this method and to no avail Ive clearly requested my 611 laws as well 609 By The FCRA bylaws and they have ignored me time and time again Im now looking to bring legal action against the credit bureau as my rights are being violated Ive even provided my propers name and addresses as well as proper spelling of my name and experian has deleted the inquiry but still chosen to keep the negative accounts that has another name that is not mines listed they have blandly disregarded the laws you have set forth and are running amuck how can they have accounts on my profile with different names not associated with me but on mines as well as still reporting things that were removed from other bureaus but they are only reporting it wrong this is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  credit card. XXXX needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.
Product: Credit reporting or other personal consumer reports

I recently applied for credit and i was denied credit from JPMCB. i Understand its a violation of the FCRA to deny someone credit and not discriminate based on personal information submitted. Pursuant 15 usc 1691c, c-2. a financial institute may not have access to an applicant information and may not discriminate based on that information.The company submitted that information to XXXX  and they furnished that info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts XXXX did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information has been used fraudulently resulting in numerous credit inquiries on my credit report not done by me
Product: Debt collection

I live in XXXX. The debt that the debt collectors are trying to collect on is debt from XXXX XXXX. I have not lived in XXXX in over twenty years. Me and my son have the same name and the debt that they 're trying to collect on is my son 's debt. I have stated this to them and I have also told them that me and my son at this current moment do not have any contact with one another but they are still calling and trying to send documents to my home to collect this debt.
Product: Credit reporting or other personal consumer reports

Bankruptcy should report actual courthouse name, filed date and docket number. 

Information are inaccurate, it is reporting inaccurate reference number, Closing date & Courthouse name.
Product: Credit reporting or other personal consumer reports

After reviewing My credit report I noticed their are fraudulent accounts listed on my credit report. The fraudulent accounts have caused damage to my reports. Please remove the fraudulent accounts as they are hurting my ability to obtain new credit. My data has also been leaked in the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XX/XX/XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law.

Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX XXXX. AC # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

Attached herewith 1. My dispute i sent to this company on XX/XX/XXXX 2. My police
report 3. my FTC report
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is being reported on my Experian, XX/XX/XXXX, and XX/XX/XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Debt collection

turned over to my credit report to XXXX XXXX  2000 judgement called Jefferson capital systems and its not my account
Product: Credit reporting or other personal consumer reports

I am requesting your assistance regarding this misleading account on my credit report. This has caused significant harm to my reputation, and I need your help to address it. Your mishandling of my credit report has greatly impacted me, as this misleading information has destroyed my reputation. It is imperative that you remove this misleading information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Loan Servicing reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with Federal Loan Servicing and XXXX, and XXXX. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type Education Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type Education Loan Status Current, was past due 120 days
Product: Credit card or prepaid card

I have Macy 's store card and I keep incurring late fees, and extra interest. I keep requesting that my due date be moved to the XXXX to line up with my pay and other bills. All I keep getting is excuses, exuberant minimum payments, folks that aren't notating the account to show that requesting was even made and even though I available credit of {$93.00}, my card was declined for 54.54.. I recently made a {$62.00} payment on XX/XX/XXXX to only show {$75.00} due XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized or misleading items, linked to my profile. 
XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing the accounts back in XXXX and I have not heard from the the Credit Companies
Product: Credit card or prepaid card

Care Credit  has been inadvertently charging me a security fee. I thought maybe I signed up and didnt realize, but I have family and friends who say they didnt sign up for it either. When I asked for a refund on the hundreds of dollars paid in since XX/XX/2018, they said some deadline had passed and that I could only get the last payment of {$20.00} back. They cancelled any future purchase but I did not sign up for it in the first place!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years.

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Product: Money transfer, virtual currency, or money service

What happened? 
On XX/XX/year>, the seller, XXXX XXXX XXXX, initiated a {$2300.00} refund for coaching sessions that were never provided. PayPal confirmed the refund via email, and the amount was visible in my PayPal account. However, before I could withdraw the money, the seller retracted the refund, which violates PayPals own policies. 

This fraudulent tacticinitiating a refund, allowing the buyer to see it in their account, then retracting it once a dispute is openedis a known scam method used to manipulate PayPals system. Instead of protecting me, PayPal closed my dispute without reviewing all the evidence, allowing the seller to exploit this loophole. 

Key Issues : Unauthorized refund retraction : PayPals policies explicitly state that once a refund is initiated, it can not be revoked due to an open dispute. The seller ignored this rule, and PayPal allowed it.

Funds were credited to my account but later removed : I received an email confirmation from PayPal that the refund was processed. The amount was visible in my PayPal balance, yet the seller later retracted it, which should not have been possible. 
Dispute closed without proper review : PayPal ignored critical evidence, including their own email confirmation of the refund and screenshots proving the amount was in my account before being reversed.

Failure of consumer protection : This case highlights a serious gap in PayPals fraud prevention measures. The company failed to uphold its Purchase Protection Policy and did not hold the seller accountable. If this practice is allowed to continue, it sets a dangerous precedent for future fraud.

Evidence Provided : Email confirmation from PayPal proving the refund was issued.

Screenshots showing the refund amount in my PayPal balance before it was removed.

Transaction records demonstrating that the refund was later retracted.

Written confirmation from the seller acknowledging the refund before reversing it.

Request for Resolution : 1 Reopen my dispute and conduct a full investigation, reviewing all provided evidence.

2 Force PayPal to honor the {$2300.00} refund that was confirmed and displayed in my account.

3 Ensure PayPal enforces its policies to prevent sellers from retracting refunds after they have been initiated.

4 Investigate why PayPal allowed this fraudulent tactic and take corrective measures to prevent future abuse. 

This is a clear violation of consumer protection rights, and I demand immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable. I will call my lawyer about this. REMOVE THE FRAUD ACCOUNT ASAP!
Product: Debt collection

I am being contacted by a law firm for ocwen threatening foreclosure and to sue me for attorney fees despite XXXX of debt paid into a chapter XXXX and on the advise of counsel converted to a chapter XXXX. I have asked for assistance year over year. It is clear my loan was a part of mortgage fraud and greed. Yet I am left with nothing. Ocwen did not once attempt to call me. Everyone once again trying to get my home and equity to profit of me. My home did not close the sale because ocwen stated I owed a discharged paid debt from XX/XX/2005. The closing fell through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit reports and was shocked to find so many errors and incorrect information on my XXXX, XXXX, and Experian credit reports. There's many errors including incorrect personal information, wrong account dates, wrong account statuses, incorrect balance reporting, and inquiries that don't belong to me. I contacted XXXX over 45 days ago and the incorrect information has not been removed so I'm taking a step further to contact the CFPB to fix this issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS COMPANY TO USE MY CREDIT REPORT AT ALL
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

I refuse to accept your decision to reject my identity theft claim. Who are you to determine whether I have been a victim or not? You lack any authority or legal standing to make such a declaration. If you persist in denying my claim, I will engage my attorney to pursue a legal solution. It's important to note that my identity theft claim is in full compliance with the law. I have submitted an official report to a federal agency, as required by legal procedures. Let 's work together to resolve this matter within the mandated 5-day timeframe. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete this account ASAP.
Product: Mortgage

XX/XX/XXXX my loan went into deferment due to covid and I was not able to make payments at that time. 
XX/XX/XXXX - I filled out the application for a home assistance request to see about modifying the loan. 
I filled out the proper paperwork and forms that they requests. 
Around XX/XX/XXXX I found out that the process was canceled due to missing information, when they had all the forms requests. 
I was able to restart the process and fill out all the applications and forms again. 
XX/XX/XXXX- my application was canceled again and the loan was in foreclosure status. I contacted Wells Fargo and they were able to restart the loan process. 
XX/XX/XXXX - after filling out all the requested documents, they again failed to provide options for me. I was able to restart the process again. 
XX/XX/XXXX- they canceled the process on me with no options to choose from and I had to restart the process over again. 
XXXX XXXX I Have completed all the requests forms and materials. XX/XX/XXXX - I got a letter in the mail stating that I was approved for a short sale. This is not an option that I want to take. I want to live in this house with my family. 
They have not given me any option for refinance, modification or anything. 

I have tried XXXX times filling out all the applications and forms and getting the mortgage company the requested documents only to get denied. 
Covid has put me and my family in a hardship that we are still facing. 
The mortgage company is not helping or willing to work with us. 
We need help. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto finance ran my credit report 2 times at the discretion of XXXX XXXX XXXX in XXXX XXXX, TX. I visited XXXX in XXXX XXXX on XX/XX/2018 to inquire about a XXXX XXXX XXXX. I DID NOT sign an application nor did I authorize to have my credit ran. Upon viewing my credit file, I noticed two hard pulls from Capital One showing on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX