23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding fraudulent inquiries on my Transunion credit report. Upon reviewing my credit report, I discovered unauthorized inquiries that have negatively impacted my credit score and financial standing. These inquiries are clearly fraudulent and were not initiated by me. 

I have taken immediate action to protect my identity and mitigate any further damage by filing a complaint with the Federal Trade Commission ( FTC ) and initiating a fraud alert with the major credit bureaus. However, I believe it is crucial to bring this matter to your attention to ensure that appropriate measures are taken to address and rectify this situation. 

The unauthorized inquiries on my credit report not only undermine my financial stability but also raise serious concerns about the security of my personal information. I am deeply troubled by the implications of identity theft and the potential ramifications it may have on my future financial transactions and credibility. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to remove the fraudulent inquiries from my credit report. Additionally, I urge you to work closely with the relevant authorities to hold the responsible parties accountable and prevent similar incidents from occurring in the future. 

Please find enclosed copies of the documentation related to the fraudulent inquiries, including any correspondence with the credit bureaus and the FTC. Your prompt attention to this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Ive also emailed multiple PayPal employees and executives about me plaining to file a report of not being able too cash out my funds that I sent to PayPal from my on account. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. IT IS VERY CLEAR TO ME. THAT MY IDENTITY HAS BEEN STOLEN FOR THESE FRAUDULENT ACTIVITIES TO HAVE OCCURRED. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS TO MY CREDIT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE,
Product: Debt collection

After receiving medical care that shouldve been covered by my insurance at the time, I received multiple calls a day from a automated system claiming to be a collection agency other than XXXX XXXX. I have recieved bills in the mail from a 3rd party company. I dont think this is a legit bill and that my information is being used by a different company. I fear that my personal information has been shared and my HIPPA rights have been violated.
Product: Debt collection

Received a phone call that a debt was going to collections. I called and the lady told me I had a debt for a cash loan through XXXX  XXXX XXXX XXXX for {$500.00}, and if I solve it I would only owe {$600.00}. If I don't solve it I will owe {$2000.00} as they will send it back to the lawyer. If I if I pay by XX/XX/XXXX at XXXX XXXX. I can pay {$300.00} and solve my debt. I have never taken a loan and I called the places that do loans nobody has my information ever in their system. The main company XXXX  XXXX XXXX, they are located in XXXX. she then told me that it was an online vendor And gave me an IP address. The name of her company was XXXX XXXX  or a bunch of other names. When asked she said they just do. I called asking for the address and she told me she wasn't able to give that due to business and banking information on files there. She gave me a website which does not look legit. XXXX She claims I can't find the businesses online because they're only at that website and by phone. Her name is XXXX her phone is XXXX XXXX but they don't have an option for an extension and only 2 people ive spoken to when calling 8 times for more information. 
When explaining to XXXX that I have never taken out a loan they continue to tell me that I was responsible for it and after I paid then I could receive documents regarding my loan and regarding the collection but they could not send me any paperwork until I made the payment to them. Upon looking up everything else to try to find out legitimacy regarding this because I know I have never had a loan taken out I have decided that I will not be making any payment to them and if it goes to my credit I will then reach out to the company and figure it out on how to report fraud in that way. 
XXXX had my previous name, my new last name, my social security number, my birthday and my previous addresses as well as my current. I am worried because they have this information as to what can happen next. so far they have not proven to me that there was ever a loan taken on my name you're under my social because nobody has any information on me taking a loan ever so I can find. And I know I personally have never taken a loan. 
I believe the fraud is them having my personal and private information and I am not ok with this!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX  Opened XXXX. {$920.00} Arent medical bills illegal? I thought they werent supposed to report on your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Credit Card is not on my Trans Union credit report. In the past it was.
Product: Checking or savings account

i opened paypal us by mistake and now i cant withdraw the amount deposited in my account since i can not provide ssn number they are asking since im not living in us.
Product: Credit card

I received a letter from Citi AAdvantage in response to my below email. Letter stated that I was enrolled through a two-part promotional offer. I was enrolled with an opportunity to earn both XXXX bonus miles by spending {$2000.00} in the first XXXX months and up to a {$200.00} credit for XXXX XXXX purchases made in the first XXXX months. We are not able to change your offer at this time. We consider this matter resolved. 

I do not accept the response! 

I sent the following email numerous times to XXXX : Please respond to the offer I included in the attached that shows offer I applied to during my application in XX/XX/year>. Offer clearly states, after {$3500.00} in purchases within the first XXXX months of the accounts opening, I will earn {$75000.00} in XXXX XXXX bonus miles. 

Either the offer was fraudulent, or a mistake was made by Citibank or XXXX XXXX. I await your response. I am also sending a letter to the Consumer Financial Protection Bureau and the New Jersey State Attorney General. 

From : XXXX XXXX Sent : Monday, XX/XX/year> XXXX AM To : XXXX Subject : RE : XXXX Offer Please see below the credit card offer applied to and the offer, XXXX miles awarded after {$3500.00} in purchases during the first XXXX months of card issuance. 

I have made purchases of $ XXXX on my credit card. Credit card # ending in : XXXX. I have not received the XXXX bonus. When will the XXXX miles be credited to my account? 

Citibank awarded me XXXX miles. However, that was not the agreement I made. I applied for the below card and spent {$3500.00} within the first 30 days of card issuance. I satisfied my obligations under the terms of the agreement.
Product: Credit card

The following was sent via email To AMEX as well as A recorded phone conversation with an agent in the applications department. 

Good day I applied for A credit card on XXXX XXXX and was denied. Regardless of the reason for being denied, I have the right to credit withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act as well as the consumer credit protection act since you are denying me my credit, please retract my application.

I was informed by their agent that they would not be retracting my application and it would not affect my credit score however I received an adverse action by way of a hard inquiry which dropped my score. 



XXXX, XXXX XXXX Attorney in fact for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found inquiries on my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX  Account Number : XXXX under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and transunion. are negativley reporting XXXX  loans. Have been a XXXX  ongoing since XXXX. Payments should not show negative as XXXX has corrected this ans sent correpondence to bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX  because of a 30 day late on a XXXX  Card underwritten by notorious liar XXXX  XXXX XXXX/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance chargeXXXX 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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Have been trying to work with my lending company for several months to try resolve my outstanding 2nd mortgage loan. After several calls to the manager in the point of contact office for an accurate payoff amount and not getting any response back for several weeks, I then received a notice of a foreclosure for XXXX XXXX, 2016. I have since called the lending to ask for a postponement where I have a signed purchase and sales agreement in hand with a closing date of XXXX XXXX, 2016. My 2nd mortgage lender is telling me that it is too late and that the foreclosure can not be stopped at this time. All I 'm looking for is a XXXX60 day postponement and the XXXX and 2nd mortgage company will be paid out in full. I feel it is unfair and unreasonable for the 2nd mortgage company not to allow me this time.
Product: Mortgage

I have a PMI on my fixed Santander Mortgage. I asked Santander to please send me the parameters for PMI removal. I have enclosed that letter ( PMIRemovalLetter ). Also copies of the appraisal ( Co-opAppraisal ) and the PMI removal request letter ( PMILetter ) all of which satisfied the PMI removal criteria as stated in the Santander PMI removal letter. In addition I am enclosing their denial letter ( PMIRemovalLetter ) and the page of Santander approved appraiser list showing the company that issued the appraisal. 
They gave XXXX reasons for the denial : none of these issues were points in the original letter and also do not affect the appraisal value. I understand the clerical error stated in point XXXX and I will address that issue if necessary. But, the only difference in a new appraisal by the same exact appraiser that I can see is to generate a fee for Santander. 
I have fulfilled the conditions as requested by Santander Bank, N.A. and I am asking that they honor their written word and terminate the PMI if not from the original date of receipt ( XXXX/XXXX/16 ), then as soon as possible. 
Thank you in advance for your kind assistance in this matter. Please let me know if I can offer any further clarification and/or information to facilitate this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$3800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you'll find the identity theft report I filled out with XXXX XXXX You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXXXXXX XXXX  {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXXXXXX XXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX  {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX