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

I have filed an ftc report on the negative inaccurate inconsistent fraudulent accounts listed in the dispute letters to experian, XXXX, and XXXX and requested them to validate the fraudulent accounts being reported and they keep verifying without doing an investigation.my ex wife XXXX XXXX XXXX used my identity without my permission when i was going threw XXXX in XXXX XXXX.i filed an ftcvreport and wrote an identity theft Affidavit against her.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are violating the fcra and keeping me from buying a home and a new car.i am demanding that they remove these accounts within 4business days of receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl.i am attaching the ftc report and the dispute letters I mailed to the bureaus.they are violating 15 usc1692 ( g ) and 15usc1681i. I haven't given them written permission to report these negative inaccurate inconsistent accounts.i have disputed over10 times and have filed numerous complaints with cfpb and experian XXXX and XX/XX/XXXXkeep reporting inaccurate information on my consumer credit report and is keeping me from buying a home for my children.please help me remove these fraudulent accounts within 4business days. XXXX XXXX XXXX dob XXXXXXXX XXXX XX/XX/XXXX social security number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX attached is my driver 's license and social security number and proof of address
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made an online purchase in the amount of {$180.00} from the website XXXX  using PayPal to process the payment. The website advertised high quality, cotton and linen women 's fashions. When my product arrived from XXXX, I knew I had been scammed. I received cheap replicas made with poor-quality materials that did not match the original product descriptions, constituting knock-off or inferior substitutes. I immediately did a search on the website ( berating myself for not searching before my purchase ). I came up with a number of independent verifications that this was a fraudulent website. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal immediately and disputed the charge, citing the independent sources that verified this was a fraudulent website. PayPal contacted the seller who offered to accept a return and refund me {$170.00} if I returned the product to XXXX at my own cost. The cost for the return shipment was {$120.00}. There was no way I was going to risk any more of my funds and the seller knew it. This is how these sites operate. So, as I received a " product '' and the company offered a refund if I returned it, PayPal settled the dispute in favor of the seller. 

While I understand the concept of " XXXX XXXX '', PayPal is legitimizing these fraudulent sellers by processing payments for them. While XXXXXXXX XXXX  role may not be XXXX, it certainly is XXXX. They do little or nothing to protect consumers who use their payment processing service. I should also note that when I refused to return the product and provide tracking information, PayPal would not permit any further discussion on this dispute. 

I am requesting that PayPal reverse their decision on the dispute and return my {$180.00}. In addition, I am requesting that PayPal review this seller 's account because they are certainly in violation of XXXXXXXX XXXX own policies.
Product: Debt collection

I live in the state of Florida, and have an agency contacting me on a debt in the state of NJ, not incurred by me. I have had a lock on my credit due to identity theft for about 3 years, provided these folks with proof of residence etc. and the last straw was when NCC Business Service, who 's tarnished my perfect credit with a balance of {$1500.00} contacted my place of employment, where I 'm a XXXX with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a Consumer reporting agency Shall block the reporting of any information in the file of the consumer that the Consumer identifies as information that resulted From an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any Consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting or other personal consumer reports

In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. Consequently, I exercise my prerogative to opt out of the disclosure of certain information, as sanctioned by 15 USC 6802. Furthermore, my decision to opt out finds legal foundation in 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974, and 16CFR313.7f, wherein it unequivocally delineates the continuing entitlement to opt out, underscoring the autonomy vested in consumers to exercise this right at any juncture. 

Per the purview of 16CFR313.7g1, the efficacy of my direction to opt out remains steadfast until such time that I formally rescind it in writing, or, upon mutual agreement, electronically. 

It is imperative that ALL HARD & SOFT INQUIRIES be expunged forthwith, given their classification as non-open accounts pursuant to the statutory provisions of 15 USC 6801. In tandem with the invocation of the PRIVACY ACT OF 1974 and 15 USC 1681 ( b ), under the rubric of permissible purposes, I also choose to opt out of the reporting of all soft/hard inquiries in consonance with 16 CFR 313.7 ( f ). Moreover, I assert my entitlement to the " right to deletion. '' The characterization of any charge-off as a Certificate of Indebtedness merits meticulous scrutiny, as such instances are deemed tantamount to income and, by extension, are ineligible for reporting. This assertion is bolstered by the elucidations delineated in IRS publication XXXX, accessible via the following link : [ XXXX XXXX ]. 

In concordance with the mandates enshrined in 15 USC 6801, it is incumbent upon financial institutions to embrace a policy framework that upholds the sanctity of customer privacy, ensuring the safeguarding of non-public information in a secure and confidential milieu. Consequently, I demand the expurgation of all transaction history and inquiries from my credit report, for it is a flagrant transgression to disseminate any such information. In lieu thereof, I assert that all account balances be accurately reflected as " PAID IN FULL '' or " PAID AS AGREED, '' whilst simultaneously insisting on the obliteration of all hard/soft inquiries. 

The rectification of all duplicate names and misspellings, alongside the removal of non-mailable addresses, stands imperative. It is incumbent upon all entities concerned to ensure that my nomenclature is articulated in its entirety, encompassing solely the first, middle, and last names, devoid of any aberrations.
Product: Debt collection

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the account referenced above. I would like to clarify that I am not disputing this account. However, I am requesting some specific details for my records. Please provide the following information : 1. The date of the first delinquency on this account.

2. The date of the last payment made on this account.

3. The date the account was officially charged off.

I kindly request that you provide this information at your earliest convenience. Your assistance in this matter is greatly appreciated.

If you require any additional information from me to process this request, please do not hesitate to contact me. I can be reached at XXXX or via email at XXXX Thank you for your time and attention. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed paperwork stating I was on Unemployment and I was approved for unemployment deferment all 3 credit bureaus are showing late payments not the approved deferment. This has critically and negatively tanked my XXXX XXXX which went from XXXX to XXXX. I have been working to get my score in a credit worthy position. 

XXXX XXXX XXXX XXXX... 
{$16000.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$13000.00} XX/XX/year>2025 Late XXXX Account XXXX XXXX XXXX XXXX XXXX... XXXX {$11000.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$8800.00} XX/XX/year>2025 Late XXXX XXXX XXXX XXXX... XXXX {$7400.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$4300.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$4200.00} XX/XX/year>2025 - Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$4200.00} XX/XX/scrub> 2025- XXXX XXXX XXXX XXXX  XXXX... 
{$4200.00} XX/XX/scrub> 2025 Late Sync Account XXXX XXXX XXXX XXXX XXXX... 
{$3300.00} XX/XX/scrub> 2025 Late Sync Account American Education Services XXXX... 
{$2800.00} XX/XX/scrub> 2025 XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer. 
Here are the following inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My original order was shipped to the wrong address. The company promised to resend the gifts to my mother. I made payments on the account but months later I asked my mother about her hat and dress and she informed me that she never received the gifts. I immediately notified the company, demanded a refund of the payments I made, and closure of the account. Until I saw the documents submitted for validation, this is why originally I thought this was a result of unauthorized use. I knew I did not owe a balance because I did not receive any goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Forbearance Plan with LoanCare , LLC on XX/XX/2020, which was extended on XX/XX/2020 through XX/XX/2020. At the time I entered into the Plan, I was current on my mortgage payments and had 100 % on-time payments. The Plan clearly stated that there would be no negative reporting to the Credit Reporting Agencies. During the Plan, I made partial payments of {$300.00}. I then sold my home on XX/XX/2020 and paid the Mortgage Loan in full. I was recently notified by my credit monitoring company that on XX/XX/2020, LoanCare , LLC reported my Mortgage Loan as 90 days past due to XXXX and XXXX. This negative reporting has destroyed by FICO Score by lowering it XXXX points from XXXX to XXXX. I am attaching copies of the Plan confirmation and extension letters received from LoanCare , LLC along with a letter from LoanCare , LLC confirming receipt of the payoff of my loan. Every time I have tried to reach a " live '' person by telephone at LoanCare , LLC, I have been transferred to the Collections Department, who would then transfer me to the Loss Mitigation Department. I have not been able to reach the " Mortgage Resolution Advocate, '' XXXX XXXX, although leaving voice mail messages and emailing him. Please help me resolve this very disturbing matter - I have worked hard for my good credit and this is completely unfair and contrary to the provisions of the Plan.
Product: Credit reporting or other personal consumer reports

I disputed a XXXX  XXXX bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.
Product: Mortgage

HELLO, WE HAVE ASKED VIA OFFICIAL E-MAI AND AT LEAST 5 QWR 'S FOR THE NAME AND CONTACT DETAILS OF THE OWNER OF OUR MORTGAGE. THIS HAS BEEN GOING ON FOR ALMOST THREE YEARS, AND SN SERVICING DOES NOT RESPOND AND HAS STATED THEY ARE THE ONLY POINT OF CONTACT, BUT NOW THEY SAY THEY CAN NOT RESPOND BECAUSE OUR SIGANTURES ON THE SEVERAL QWR 'S DO NOT MATCH THOSE ON FILE. WE HAVE DISPUTED THIS, OVER AND OVER BUT THEY KEEP DELAYING AND WILL NOT PROVIDE CONTACT NAME AND DETAILS OF OWNER OF OUR MORTGAGE. 


XXXX XXXX WROTE THAT WE WERE NOT ALLOWED TO CONTACT OWNER ONLY HER AS SERVICER. 

WE HAVE REPEATEDLY WRITTEN TO SN SERVICING THAT " The servicer has an obligation to provide us the name, address, and telephone number of who owns your loan '' We are very upset and worried as they have been dodging and avoiding giving us the information for so many years. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

This company told me that they would do a soft pull to do a pre approval on an Auto Loan. They lied. They hard pulled my credit and then lied about it again when i called to get clarification. Only after i talked to a manager did they admit to hard pulling my credit report. They lied and negatively affected my credit score because of it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account number : XXXX ; ( listed twice on reports ) XXXX XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number : XXXX ( listed twice on reports ) ; XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX ; XXXX XXXX, account number : XXXX ; XXXX XXXX, account XXXX XXXX XXXX ; XXXXT, account number : XXXX ; and US DIST CT Bankruptcy dismissed : XXXX, no account number provided, Filed XX/XX/2021 has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I called into Equifax and requested a free credit report by phone and never received it this was requested on XX/XX/scrub>XX/XX/2024
Product: Credit card or prepaid card

Unauthorized : Discover Payment Protection Identity Theft Over the course of the last 11 years our discover credit card has been charged monthly for the above services that we did not authorize. Contact was made and we were advised they can only refund 6 months of unauthorized charges to the account. They also were unable to locate or provide documents showing these services were agreed to. We were advised the only possible way of obtaining these documents is by filing paper work through a lawsuit. I do not wish to do this but I feel this will be my last option.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect and not associated with my name or social sec # Incorrect : XXXX XXXX XXXX XXXX XXXX - NOT LISTED ON AUTH FORM Correct : XXXX XXXX XXXX Zip- XXXX - IS LISTED ON AUTH FORM Incorrect Criminal Background : SELF-REPORTED CONVICTION XXXX  XXXX  Correct Criminal Background : NO CRIMINAL CONVICTIONS I never reported a conviction- First Advantage Placed a comment in my report that was furnished to XXXX which resulted in my not getting 2 different jobs. I contacted First Advantage - XXXX & XXXX XXXX to report several inaccuracies and each one told me there is nothing they can do, the report was already completed and can not be changed or updated regardless if the info contained is incorrect. 

Neither has provided me an option to correct the inaccuracies and neither is willing to investigate. Since XX/XX/XXXX I have been contacted by XXXX 5 times and have accepted 2 job offers, both which were rescinded for failing the background check, since the report contains a " XXXX XXXX ''. 

First Advantage has stated their criminal check came back CLEAN but since I self reported pending charges they have the obligation to place that on my report as a CONVICTION, regardless if they can verify that or not. Which they stated it was verified that I have no criminal convictions. But, someone at First Advantage or XXXX placed a comment on my report that states " SELF REPORTED CONVICTION '' and that is incorrect. 

I Have called several times since XX/XX/17 and most recently XX/XX/17 and both keep passing the blame and transwet the call back between one another. 

The background report asked me the following shown below. The report even has a note state the type of information that should be placed on the final report which is contradictory and the questions asked are confusing to a consumer. I am told not to report anything but a conviction, but then ask if I have pending charges and then goes on to state if I dont report something I wont get the job. 

I DO NOT have any criminal convictions and now I cant get a job because of this. 


Q & A from consent form : HAVE YOU EVER BEEN CONVICTED OF A CRIME : NO ANY CHARGES PENDING AGAINST YOU IN ANY COURT : YES TYPE : XXXX  YOU DO NOT HAVE TO IDENTIFY ANY RECORD OF ANY ADULT ARREST. 
ASSOCIATE BACKGROUND SCREENING SYSTEM INSTRUCTIONS : for ALL states do not include a record or any adult arrest ... ..sealed or expunged records. 
IF YOU DID NOT PROVIDE INFORMATION OF PENDING CHARGES EXPLAIN WHY :
Product: Bank account or service

I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance {$170.00} XXXX XXXX Balance {$2000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

Remove all the claims for Bank of American because I worry my life in danger. After filing complaints my headache gets worse and worse, they control all the government law enforcement, I decide to foreclose my   XXXX   houses due to the forbidden me getting into their banking center paying my mortgages and my credit card, I definitely pay my credit card after going to collection company then I can access my account to pay my credit card. All the government police department and cfpb, justice department and insurance support Bank of America forbidding me work for any business and forbidden me access their bank property to pay my mortgages and credit cards. I tried so hard to make it correct the issue, they use two governments torture me worse and worse. I give up complaints of Bank of America I need to survive, please give me a chance to say I am wrong I should not ask justice by regulations. I should quite to be killed by two governments.
  XXXX   XXXX   Sent from my iPhone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.