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

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a number of identity theft accounts and addresses that I previously reported to this bureau as not mines, as they are a result of identity theft, the bureau refused to block, dispute and even failed to acknowledge my communication at all. In fact, I never received any communication from them regarding my dispute. I never authorized anyone to use, borrow my information, or pretend to be me. However, my information is being used to the point I am being sued and have had to retain an attorney to not only defend me, but to sue this bureau for its willful failure to comply with the federal rules surrounding identity theft victims and credit reports. 
Further, this particular bureau, deleted some accounts that are identity theft ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX  ) ; and then reinserted them back into the report even though the furnisher of the information advises my attorney that they are no longer reporting it because it is identity theft. 

No other bureau is giving me an issue and is refusing to comply with federal rules. This bureaus has been so defiant and willfully non-compliant that they even initially refused to respond to my previous complainant I filed with the CFPB, by stating it appears to be written by someone else. This is crazy.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX. XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I submitted a complaint about an hour or so today. FTC Complaint # XXXX. The reason that I am adding this one to it, is because I tried to get the information from them about weather or not the Money Orders sent to them was applied to my Account. I spoke with three different people trying to obtain the facts & my money. I was told that they sold my account & frustrating me, I informed them that they got my payments! I informed them that I have spent hours on this! I informed them that Fraud is happening here! I informed them that I had a right to know if they received my two payments & did they apply them to my only ( One ) account! They said I do n't have that right, my account was sold & I have to call XXXX ... ...??? I told them that I was NEVER sent any correspondence via email, U.S. Mail that my account was at this level as I kept in touch with them & kept my arrangements I made with them. It is their duty & responsibility to notify the Collectors of their error. Meantime, I call the Money Order place to inquire if the amoney Orders had been cashed & yes they cashed the money order on XX/XX/2017. I have to call back for the last payment, if it was received & cashed. It is going to cost {$18.00} - {$25.00} to get copies of the cashed money orders. I informed them that I was going to turn their company in for Fraud! I am being Harrassed by a Collection Agency & Cash Central refuses to professionally tell me what is going! They had no right to sell my information! I have already been a targeted victim of Identity Theft! This Company is Shady! I want to sue them because if they are doing this to me, how many more are people ripped off! Please put the Pressure so they do not hurt anyone else! Please Investigate their Practices! I HAVE A RIGHT to know who cashed my Money Orders sent to them! They should not, and must not be allowed to hurt consumers like this! It is Fraudulent to cash my payments, keep my money & turn around & sell my file for the collection Company can come after a bill already PAID IN FULL! Illegal, Fraud, Dishonest in their dealings with the consumers! How many more is out there suffering??? STOP THEM PLEASE! I paid my bill in full, who have my money??? Please light under their treacherous behinds. Thank you. Sue Them on my behalf please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank/Lord and Taylor added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One/Lord and Taylor reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a 90 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my financial advisor and myself conference called Capital One/Lord and Taylor. My wife requested the bank to revoke my signing authority and I requested for them to correct my credit reports. Capitol One/Lord and Taylor said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked them to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am XXXX XXXX and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB,
Product: Credit card or prepaid card

XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX  As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Doctors Business Bureau that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau
Product: Money transfer, virtual currency, or money service

I was trying to buy tickets to a sporting event and the person I was trying to buy from requested payment through XXXX. I was communicating through this person through text, and we first exchanged information through XXXX. The date of the transaction was XX/XX/XXXX. I sent this person {$150.00} in exchange for the event tickets, and after I sent them the money they stopped responding to me, blocked me on XXXX  and text, and I was no longer able to get in contact with them. They had previously sent me pictures of the tickets I was trying to buy. 

The persons name on XXXX  I sent the money to was XXXX XXXX, however this person was then sending the money to a second XXXX user named XXXX XXXX. I have included screenshots of the transactions, as well as other information I was able to find on XXXX  for these people. 

I reached out to XXXX and XXXX to report this scam, as the person had other listings on XXXX as well as other transaction history on XXXX for sporting event tickets. Neither XXXX  nor XXXX helped me resolve the issue, would not provide any updates or information on making sure this person could not do this in the future, nor would either service help me refund the money that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account listers under XXXX XXXX that is incorrectly report and has been for over a year. I have sent letters to fix this issue and I have received to reply. This account is closed, the balance is incorrect and has not properly updated at all. Equifax is the only bureau reporting this account. It needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXXXXXX XXXX with the following credit bureaus Experian, XXXX, and XXXX. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent XXXX a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.
Product: Debt collection

I reached out to the collection Comapny several times and explained that the amount reported was incorrect. I even requested a debt verification letter which I never received. I explain to them that I have proof that I only owe XXXX and XXXX dollars which they refuse to accept as proof. They have reported 16 times the amount owed ( XXXX ) which had damaged my credit and ability to get credit. These tactics are unfair and unethical and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX PERSONAL INFORMATION : Account Number : Former : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : Employers : XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AR XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XX/XX/XXXX Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX COLLECTION/CHARGE OFF : XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I live in nys, I did n't know that payday loans were illegal here until today, a few years ago I took out payday loans to help me with bills and have had a lot of financial issues since then anyway I get a phone call today and was left a message about I need to call American credit financial back in 48 hours there are XXXX fraudulent checks in my name, I call back and its about a payday loan then this man proceeded to tell me someone is coming to my home on Friday XXXX XXXX 2016 to give me a letter that I owe XXXX and if I do n't respond then the sheriff in my county will serve me the papers and then I will have to go to court and judgement will automatically be XXXX dollars and he was from legal dept I told him I would call him back tomorrow he said his name was XXXX XXXX and he said the call I got was from XXXX XXXX a courier if I do n't call him something else will happen I do n't remember what he also said the conversation was being recorded, now mind you I tried to contact this lend me now payday company a couple of years ago number was out of order and like I said I did n't know that these payday loans were illegal in nys what can I do now
Product: Credit reporting or other personal consumer reports

New Ftc Complaint THIS IS NOT A DUPLICATE TO : Experian IT'S IMPOSSIBLE TO VERIFY THESE ACCOUNTS AS MINE, BECAUSE TGEYVE BEEN OPENED FRAUDULENTLY. 

Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX XXXX writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXXXXXX 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 These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

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

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Previously I submitted complaint number XXXX. 
After this complaint I got a letter from " XXXX '' saying she will be taking care of this personally and I can call her with any questions issues concerns etc. I was initially starting to look up at this situation, until I tried to call her. I have been unable to contact XXXX although I've called and left multiple messages ( 4 ) across multiple days. I received a release of lien in the mail shortly after submitting the complaint, and a XXXX message from a stranger .... Telling me that they ( on the other side of the country ) received mail addressed to a " XXXX XXXX '' containing my title and all of my personal information. So now, My title is on the other side of the country, in the hands of a stranger, and I am unable to contact ANYONE at ally about it. This seems like a major breach of personal information and on top of it a further example of the horrendous, unprofessional and inappropriate actions of Ally Financial and Ally Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA XXXX, Experian, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.
Product: Credit card

Phone call at XXXX EST time from a robocall, telling me that there is a suspected fraud on the credit card account, and that I need to call in immediately. After 10 minutes of voice mail jail with Fidelity / Elan robots, it becomes clear that the " Red Flags '' for fraud include multiple transactions from XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX vendors that we pay dozens of invoices to EACH AND EVERY month ( see attached statement ). 

Specifically, the " fraud alert '' for today 's charges is based on XXXX transactions in a single day. Except that for each of the last 12 months, there have been DOZENS of days where we make XXXX or more purchases from the same " Red Flag '' / suspicious vendors. Why is this suspicious? 
Why are these " Red Flag '' tests so primitive? Why are calls not made during business hours?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}