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

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, has violated my rights. 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
Product: Credit reporting or other personal consumer reports

On XXXX I walked into XXXX XXXX  to purchase a washer and dryer, up on speaking to an employee ( XXXX ) working in the appliance department I was offered a deal for a revolving credit card account with a soft inquiry by him. I proceeded with said offer as he is sitting behind a desk and computer asking for my information to process a revolving credit card account that he said is an soft inquiry as a credit pull. As I completed giving him my information I received notification that a hard inquiry has been made on my Equifax credit report. I was even told after the account was approved and a temporary shopping pass was issued by one of the managers ( XXXX ) for immediate use. The pass did not work the manager did not come up to check the situation leaving an employee to try and figure out what went wrong to no resolve. Over the next few days of visiting the XXXX XXXX and not being able to use the product I finally find out from manager ( XXXX ) that employee XXXX has incorrectly submitted my information for a different type of account than what I was applying for. Manager ( XXXX ) told us sorry and he would have Regional Manager ( XXXX ) Who dealt with XXXX XXXX XXXX XXXX XXXX XXXX issuers reach out and get the issue resolved, which to date has not happened. I ultimately had to spend hours at XXXX XXXX and on the phone with XXXX XXXX trying to figure out who handles these kinds of issues with no one had answers. I reached out to Equifax via dispute in which this inquiry remains on my profile.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of an unauthorized inquiry on my credit report. 
As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the removal of all fraudulent items.

Unauthorized Inquiry : XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 i had XXXX in my account that was stolen somehow and sent to a email i do not know. Someone had to access my account online and transferred that money to an email. I reported the issue with my bank XXXX American express bluebird ). They had told me it would take 7-10 business days to resolve this. I called the police and filed a report. On XX/XX/XXXX they responded through email saying that my request for refund was denied. They wont tell me why it was denied or any information only that i can write them and they will let me know why it was denied. I work very hard for my money and deserve to have all my money refunded. I am in so much shock that i was a victim of theft and they will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my transunion or XXXX. I have been getting the run around without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX BXXXX  XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the U.S. Code that establishes the purpose and findings of the Fair Credit Reporting Act ( FCRA ). The FCRA is a law that protects consumers ' privacy and ensures the accuracy and fairness of credit reporting.
Product: Credit reporting, credit repair services, 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference
Product: Checking or savings account

I have acount with Navy federal an I had overdrafts fee. I had XXXX payment an the money was not in the account
Product: Credit card

First of all, B of A processed two successive fraudulent applications in successive weeks that were submitted using my PII for a XXXX XXXX XXXX credit card. The bank queried my credit but did not receive a response from the credit bureau because I have my credit locked. The bank then emailed me a request to unlock my credit file so they can process the accounts which prompted me to report both attempts to B of A as fraud. If B of A is aware that someone is fraudulently attempting to open accounts in my name multiple times, why do they continue to process them? Poor controls?
Product: Credit reporting

The State of Colorado has no legal authority to put to a foreign case on my credit report. It has to be done by the country with whom the legal issue revolves around. 
XXXX has not responded, they just keep messing up my credit report. I have 30-31 days to make a car payment, and they keep saying I am 30 days late, I have never been 30 days late. I make XXXX payments per month in the month. I also have a 3 month payment deferment which they seem to of forgotten all about last year. 
XXXX XXXX has turned my debt over to a collections agency now both are showing the same debt. I returned the Items but I get no response from them or the XXXX credit agency 's. 

THE credit monitoring and reporting is a real SCAM!!! The system is so inaccurate and when you try to correct it nothing happens except they want and take your money which it should not coast anything to keep track of your life history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with National Credit System, they did not provide me with the original contract as I requested. 

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 an account without my written instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

Department of Education has transferred the account over to XXXX, but still reporting on my credit report.
Product: Mortgage

XXXX XXXX Mortgage Loan Officer Assistant Vice President NMLS ID : XXXX Office : XXXX Mobile : XXXX Email Me Main Office XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX completely dropped the ball on the refinancing of XXXX XXXX property in XXXX XXXX XXXX, XXXX After 4 months the refi is not completed because he never completed or submitted the paperwork. Never returned phone calls or e-mails. Complaint was filed with Truist by XXXX XXXX. The bank is now starting to complete the refi. 4 months later. The bank is slowly trying to fix the work that was done by XXXX XXXX. XXXX XXXX has not suffer any consequences for avoiding doing the paperwork for XXXX XXXX for 4 months.
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a 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 IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit card or prepaid card

I made payments on this card in XX/XX/XXXX & XX/XX/XXXX without realizing I have never use the card or should I say, had the opportunity to use the card. 

Any charges on this card are UNAUTHORIZED!!
Product: Checking or savings account

XX/XX/year>, US bank allowed a known person who had fraud on there account give a Treasury check with my name keep my check after they would not cash my check. After I found out this person had fraud on his account, I reported it. US bank allowed that person to keep my treasury check after US bank admitted to me that they would not cash the check because that person had fraud on there account. This was done because 1month ago I closed my account with them because I reported to outside Agencies that US Bank Discrimination because I'm XXXX, XXXX, and my Civil Rights are being Violated by US Bank and Staff,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of three accounts listed on my Experian credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which are marked as " Charge Off. '' These accounts should not be on my credit report, as the information is incorrect, and I am requesting their complete removal. 

I have previously contacted Experian and the respective creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit. 

I request that the Consumer Financial Protection Bureau intervene to have these accounts completely removed from my credit report. 

Here are the details of the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7400.00} To verify the accuracy of this information, I am requesting the following documentation from each creditor : XXXX. The original signed contract or agreement for the respective account. 
XXXX. Full payment history, including dates and amounts of all payments made. 
XXXX. Documentation of the charge-off, including the date and reason for the charge-off. 
XXXX. Proof of notification that I was informed about the charge-off. 

If the creditors can not provide this documentation, I request that the CFPB instruct Experian to remove these accounts from my credit report entirely. 

Thank you for your assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was trying to purchase a digital product key from another PayPal user. They charged my {$250.00} and never responded to me again when I complained I hadn't received the service product. Once I realized I wasn't getting my item I wrote it off and resolved to begin discussing it with PayPal the next day. I happened to have been staying in a hotel that night, and I explained to PayPal that I did not enter all the information needed to initiate that transaction nor would I have because I was already certain I was being targeted for a scam. Secondly, I could not possibly have initiated the transaction or finalized it because I didn't know any of the information belonging to the recipient. ( Thief / Thieves ) I explained to PayPal that once I saw the purchase going south, I went to my room and went to sleep. The next morning was another issue as someone had clearly accessed my room and looked through my things eventually finding my phone and I deduce that had to be when their opportunity was taken to perform the transaction themselves, My phone uses my fingerprint as verification for everything, So once I saw this money had been sent, I saw the time and knew it was done while I'd slept. A thief would only have to press the fingerprint scanner to my finger, and for initially unlocking it they could have simply turned the screen on and held the front facing camera to my face. I did also mention to the PayPal team that after I spoke with the supposed merchant another person showed up to the hotel and seemed as if they were aware of something and waiting on it, the next day I put two and two together, Transaction ID XXXX Case ID : XXXX Receiver info : XXXX XXXX XXXX Again I never received the merchandise, and I reported this all thoroughly to PayPal twice who also did nothing . They just let someone run off with my money through what was exactly the definition of an unauthorized use. And the " XXXX XXXX '' never responded to my attempts to contact them after. And since then PayPal has refused to reopen the ticket or anything whatsoever to help me. The XXXX address of the XXXX XXXX is a very suspicious one and they paid it no attention either. I half blame their negligence as having been a facilitator of the end result becoming that someone simply was allowed to steal from me, using their product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Product: Credit card or prepaid card

I have repeatedly ask this company to close this account and they refuse to close it. Theyre reporting that Im late on my charges and I dont have any charges. Theyre adding on exuberant charges for late fees and all other kinds of fees. It went from a {$250.00} charge card to a almost {$800.00} due to fees and other late charges. Theyre one of the companies ruining my credit, these companies give you a card and all of a sudden ask these hidden fees come into effect. I need help, this pandemic is not going away and I dont have any money to pay extra for fees and late fees I never incurred. How can they say I owe them and I have available credit of {$68.00} per their website. Hows that possible.
Product: Credit reporting or other personal consumer reports

EQUIFAX is VIOLATING FCRA 605B AND 15 USC 1681C-2. I have submitted the required supporting documents which were police report and theft affidavit and they are STILL REPORTING ONE FRAUDULENT ACCOUNT ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

The itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX are inaccurate . To my knowledge I have not signed any documents authorizing the companies in question to view my credit report. I did not consent to anyone pulling my credit score on XX/XX/year>. The listed inquiries above were without authorization and for no legitimate business purposes. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity. If YOU FIND THAT I DID NOT AUTHORIZE THESE INQUIRIES I ASKED THAT IT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE.

Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. I hope I can receive a response back or any information from you guys as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?
Product: Debt collection

I. Javitch Block and XXXX XXXX sent me a letter XXXX/XXXX/XXXX that they had been retained by XXXX XXXX XXXX XXXX XXXX. 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. II. I responded on XXXX/XXXX/XXXX. In the letter, I asked Javitch Block LLC and XXXX XXXX to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Javitch Block LLC on XXXX/XXXX/XXXX. III. I also pulled down my credit report and saw that this debt had been charged off. IV. I was served a lawsuit on XXXX/XXXX/XXXX by Javitch Block LLC and XXXX XXXX regarding this matter. This firm stated they were retained by XXXX XXXX XXXX XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX XXXX XXXX XXXX was still pursuing this debt, it would not be at this status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as a third party debt collector. The statements made by Javitch Block LLC and XXXX XXXX in the letter are fraudulent and misleading and intended to intimidate. Further, Javith Block LLC nd XXXX XXXX has extended this fraud into court.
Product: Debt collection

Dear Discover ; I have never had any relationship with this company nor i never received XXXX from this company once it was report as " charge-off ''. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. 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 : XXXX. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.