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

I recently checked my credit report and noticed to inaccurate accounts. 

Account under the name of XXXX XXXX XXXX has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name Credit Corp Solutions was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 card or prepaid card

XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.
Product: Credit reporting or other personal consumer reports

I was checking my over my consumer report and saw several inquiries that I do not recognized.
Product: Checking or savings account

I had my account open since XXXX. Ive been getting direct deposits from social security benefits since XX/XX/XXXX I believe until now XX/XX/XXXX my last check. My account was closed without me knowing. No letters sent or emails or any calls. I have called Citibank to fix the problem. I received no help from the phone or in person. I cant access my funds I have left on the account which is XXXX dollars. My next deposit is on XX/XX/XXXX. They said I have to wait for a letter because my account is blocked and being reviewed also they are closing. I need help accessing my funds before it close.
Product: Checking or savings account

This Problem is not with my checking or savings account. This problem is not addressed by the choices given on the previous check boxes. 

XX/XX/2018, I applied to Bank of America for a medallion Signature Guarantee. I supplied copies of the required documents, a stock certificate, a passport ID, and a stock transfer document to be stamped with the guarantee. 

The Transfer document was signed with a digital signature. The digital signature included a cursive signature as part of the digital signature. The Bank refused to guarantee the document solely because the signature was digital. The reasoning offered to me was that they could not verify the digital signature against a signature card on file or the Passport ID. They requested that I submit the signature without the digital indicator. I refused ; referring to 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE as my source indicating that what I had submitted was legally binding. 
Bank of America contact info concerning this info is : XXXX. ph XXXX
Product: Mortgage

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I received the attached correspondence dated XX/XX/2018, from XXXX, XXXX on XX/XX/2018 ( see attachment ) In the correspondence it states that I did not make my mortgage payments that were due on XX/XX/2018 and XX/XX/2018. However, sent my payments via certified mail ( see attachments ). My XXXX payment was made via Money Orders and my XXXX mortgage payment was made via certified check also known as a bank check ( see attachements ). 

XXXX, XXXX, in its correspondence threatens to foreclose on my house even though I made the payments on time and via money orders and a bank check. I am askingfor an investigation into the proceedures and processes of XXXX, XXXX and that any foreclosure proceedings by XXXX, XXXX be stopped. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that there are informations that are erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on their platform, leaving my account exposed and inadequately protected.

Additionally, their dispute resolution process was both unfair and deceptive, as they failed to adhere to the error resolution requirements stipulated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant financial loss and inconvenience. I seek appropriate reparations for these violations and a commitment to improved compliance and customer support to prevent similar issues in the future.
Product: Credit reporting or other personal consumer reports

I

have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a bed at XXXX XXXX XXXX on XX/XX/2017 using their in-store credit card which is managed by TD Bank. The initial amount was {$2500.00}. As I understood it, there was a 0 % interest rate promotion for 12 months. I paid off {$1600.00} over the next 12 months, leaving a balance of {$900.00} at the end of XX/XX/XXXX. In my XX/XX/XXXX statement I was charged {$480.00} in accrued interest. I was not aware that interest was accruing ; this is the first time I have ever seen anything like this ; every other promotional offer I've seen has a zero ( or low ) interest rate for a period of time and then interest starts to be charged once the promotional period ends. Had I known, I would have paid this off in full over the 12 month period. I find this approach very misleading ; now when I go back and look at the statements, I can see in the small print language about deferred interest but as I paid this card online every month, I never saw it. I think either XXXX XXXX  XXXX or TD Bank are taking advantage of customers with finance approaches like this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Pursuant to is 18 USC 8 I owe no Debt this company is violating my CONSUMER RIGHTS TO PRIVACY pursuant to USC 1681 b-2 And no permission to report ANYTHING using my info pursuant to 15USC 1681 15USC1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to l launch re-investigation on my credit report with proof of everything I listed in my letter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$670.00} XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$890.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX is in violation of my consumers rights ( 15 U.S. Code 6802 ) by providing my personal information to who | do not have a contract or debt with EASTERN ACCOUNT SYSTEM, IN, which is considered Identity thief
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for loan turned down by USAA Bank using XXXX as credit reporting agency reason for denial by USAA they said per XXXX : History on Satisfactory Accounts is too short, Length of time since delinquency, Not enough credit information, Delinquent and/or derogatory accounts, credit score XXXX. I obtained my own credit report from XXXX and it demonstrated none of what USAA bank claims what was on my report and had my credit score as XXXX all of this was done on date : XX/XX/2022. USAA bank is fraudulently reporting to certain group of consumers negative results in order to deny consumer products the bank offers. I request a hard manual review of application and credit reporting and was not helped and was told we cant do it Please investigate this matter of USAA Bank to ensure other consumers are not burdened with the issue the bestowed on me Thank you
Product: Mortgage

We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute issues related to my personal information in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 

I have identified unauthorized entries on my credit report concerning the following accounts : XXXX Card - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX I assert that these entries are not authorized by me and do not reflect my credit history or personal conduct. I suspect that my personal information may have been misused, and I am deeply concerned about the potential implications of identity theft.Therefore, I kindly request that you investigate this matter and delete these inquiries from my credit report.

Under 15 USC 1681b, I am entitled to receive a copy of any report or information that has been provided to you by a consumer reporting agency regarding these entries. I request that you provide all relevant information concerning this matter, including any documentation that supports your findings. 

Additionally, under 18 USC 1028a, I wish to emphasize that the unauthorized use of my identification is a serious offense. If this issue is not resolved promptly, I may be compelled to take further action to protect my rights. 

Please investigate this matter and provide me with a written response within 30 days. I appreciate your attention to this urgent issue and look forward to your prompt reply. 

Thank you for your cooperation.
Product: Credit card or prepaid card

Synchrony Bank via Pay Pal Credit Card allowed a fraudster to open an account in my name using a fake e-mail address and an old home address that I had not lived in for almost 6 years. 

This was identified by me being denied a legitimate card request through XXXX XXXX via Synchrony bank. This process started in XXXX, first fraud reveiw was filed in XXXX, XXXX was in XXXX XXXX, and now the 3rd one just started on XX/XX/XXXX. The Fraud department denied the first filing because they said I RECIEVED BENEFIT and MADE PAYMENT which I did none of. The 2nd Filing was denied because they said that they could not get ahold of me to verify that I did not start the account???? Now the 3rd time they advise that it will be reviewed and corected by XX/XX/XXXX. 

Each time I have had to update my credit reports that the account is fraudulent, I have had to lock down my credit completely, my credit score has dropped 40 points, and I have been denied a car loan and the obvious credit card. Forcing me to use invested savings in a down market.
Product: Consumer Loan

VW CREDIT INC ( Volkswagen Credit Inc ) includes a " 60-day late '' on all three of my credit reports. This " 60 day late '' happened on XX/XX/2012 and XX/XX/2012. However, I never owned, leased or financed a Volkswagen for myself or anyone in my household or family, and never paid or sent any checks/wires/payments. I have previously disputed this " 60 day late '' with all 3 credit agencies, who have duly noted that I dispute it and disagree with VW Credit Inc. I have also disputed this directly with VW Credit Inc. Unfortunately, they refuse to remove it or conduct a serious investigation.
Product: Debt collection

On Friday, XX/XX/2018, XXXX XXXX called my place of employment ( XXXX XXXX  ) and demanded to speak to me. Our receptionist told XXXX that I was teaching and could not leave my class to answer the call. Our receptionist said that XXXX went " crazy '' on him because she didn't like his answer. Our receptionist said that XXXX was rude, unprofessional and would not stop yelling at him. XXXX told our receptionist that she was on her way to serve me papers, and that everyone should be prepared. Our receptionist gave me the following contact information : XXXX XXXX, ( XXXX ) XXXX, and my case number. Note : XXXX would not release the name of her company. 

XXXX called back a few minutes later and got the second receptionist at the school office. Yelling again, XXXX told the receptionist that she needed to make sure that someone was there because she was coming to serve me papers that afternoon. In fear, this receptionist transferred the call to my supervisor ( school principal ). The principal told XXXX that she would take a message. 

Given XXXX 's aggressive nature and potential hostile situation, the Principal summoned the city police to the school office!!! 

When I was called to the Principal 's office, I was met with the school principal, our Superintendent, and the city police - not to mention a few other building teachers who walked in to see what was going on. 

XXXX 's unlawful behavior caused me a great deal of humiliation and scarred my reputation that I have established in the past 22 years at the school. 

Please help me close down this unlawful company so they can not continue to ruin one 's employment, character and livelihood!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 card or prepaid card

PayPal keeps withholding my funds without a valid reason, they have made me spend extra money in the past for their XXXX 3rd world Representatives I sold shirts from my website and PayPal withheld my money for no reason. They are trying to retaliate against me for filing a complaint against them, they have stolen money from me in the past by making me / forcing me to perform financial acts that are unreasonable and then thinking and apology later will suffice. This is unjust Account ID : XXXX XXXX