23daVinci/CFPB_Complaints huggingface dataset:
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 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. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/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 XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 


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

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including 15 USC 1666b. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, Transunion, XXXX and XXXX XXXX, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates Re : Cease and Desist & Debt Validation Request To Whom It May Concern, I am writing to formally request that Portfolio Recovery Associates cease all communication with me regarding the alleged debt associated with the account referenced in your records. I will not be answering any phone calls from your agency, and I hereby request that all communication be conducted through written correspondence only, as stipulated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Additionally, pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), I am requesting full validation and verification of the alleged debt you claim I owe. Specifically, please provide the following : 1. Documentation proving that Portfolio Recovery Associates has the legal authority to collect this debt.

2. A copy of the original agreement with the creditor that substantiates the alleged debt amount.

3. A complete accounting of the debt, including all fees and interest applied.

4. Documentation showing that the alleged debt has not been paid or resolved in any manner.

As required by the FDCPA, you must cease all collection activities, including reporting to credit bureaus, until you have provided the requested validation of the alleged debt. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your attention to this matter. I look forward to receiving written confirmation of your compliance with these requests. 

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

I checked my email on XX/XX/2023 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report both " Transunion '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed dud to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the XXXX XXXX to Transunion XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. 



( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit card or prepaid card

The account ending in XXXX with Chase was fraudulently opened. It does not belong to me I would like for them to delete it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having problems with XXXX XXXX XXXX XXXX and the credit reporting companies reporting my balance and payment history. Im missing approximately 9 missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021, My fianc, a signer on this account went to make a withdrawal in the drive through from his business debit card. He accidently gave the wrong card to the teller and withdrew the balance on the account unknowingly. Once we recognized the error, we immediately went to the ATM machine and deposited the funds back into the correct account. Due to it being after XXXX, the cash deposited into the ATM did not immediately post causing any transactions that were pending to create fees. When we went to the branch they would only refund {$36.00} instead of the {$140.00} that was taken out. Had the ATM machine posted the cash deposited the same day once the error was found, these fees would not have been incurred. I called customer service to try to resolve this and spoke with XXXX in " General Services ''. He also stated he was unable to refund me even though my account never drops below an average of {$4000.00} ( as you can track with the history of my account ). I am filing a complaint for these corrupt business practices and horrible customer service. I was told at the branch level that regardless of my account being in excellent standing, that I was basically " out of luck ''. This is poor customer service and basically theft.
Product: Debt collection

Fe  dLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount du e, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to the company Lexis Nexis and XXXX XXXX to remove my information permanently to opt out of their system using the following link XXXX XXXX XXXX XXXX XXXX  Please see the attached screen shot as proof of my submittal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reached out to you all last year about some items on my credit I know nothing about There is still one account on my credit that I know nothing about Its from XXXX/XXXX. I XXXX  them and it looks like a student loan place. Please have this removed from my credit so I can help my mom get a car so she can have a better car to take my nephews and nieces to and from school. I have contacted the FTC twice and my local police.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that XXXX, as a credit reporting agency, immediately block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint : XXXX XXXX XXXX  Account Number : XXXX {$1200.00} XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX {$1000.00} XXXX XXXX  Account Number : XXXX {$48000.00} XXXX XXXXXXXX XXXX Account XXXX : XXXX {$6200.00} These accounts, along with associated hard inquiries and collections, are the result of identity theft and fraud. I have attached a copy of my consumer FICO credit report from XXXX, which clearly shows these fraudulent items. Additionally, I have included a list of the fraudulent hard inquiries and a copy of my FTC Identity Theft Complaint # XXXX as evidence. 

I request that you take immediate action to remove this inaccurate and harmful information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX  XXXX XXXX XXXX ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.
Product: Debt collection

Text from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX debt collector for XXXXXXXX XXXX XXXX. View Terms : XXXX XXXX XXXXXXXX To view your account and pay, please use Case/Ticket/Citation # : XXXX and click this link : XXXX XXXX XXXXXXXX or call us at XXXX Reply STOP to stop Text from : XXXX ( XXXX ) XXXX XXXX, XXXX & XXXX is a debt collector for City of LA XXXX You may now receive texts. 
To view your account and pay, use Citation # : XXXX and click this link : XXXX or call XXXX. 

Reply STOP to cancel msg & data rates may apply
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days
Product: Checking or savings account

Hey there, my name is XXXX XXXX and I have been running around for months trying to get my money back. I've talked to my XXXX multiple times and they have provided me with adequate proofwhich shows that they no longer have my funds and that Wells Fargo indeed is responsible for my loss of funds. I received a CPFBnotification stating that my Wells Fargo complaint has been closed and that I will not receive access to my hard-earned money because I there is proof that Wells Fargo sent my funds back to XXXX ( XXXX XXXX ). When I heard this, I was over the moon because I thought was finally the proof that I needed to show XXXX in order to get my money back, but after giving XXXX this information, they informed me that a chargeback had been done with my card issuer ( Wells Fargo ) which means that the seller now currently has my money and there is no way of getting this back. I have submitted a few document to this complaint, included that of XXXX 's which states that I submitted a chargeback with Wells Fargo ( which I clearly didn't as I didn't have access to this closed account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : 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 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 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 Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

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

Experian presented 2 separate company reports, 1 auto, 1 overdraft as a single loan and used this forged information to drop my credit score XXXX  points for use of an overdraft account with a {$600.00} limit, attaching it to a totally separate auto loan with a different company to make it seem that I was over using my credit at a rate of 102 % above its capacity when in fact the auto loan is 2/3 paid off. The overdraft bank has nothing to do with the the auto loan and failed to advise me that I would be charged {$2.00} for every {$100.00} of use it advanced me from the overdraft account. So it immediately sent the account over the limit of {$600.00} just for using the account. {$250.00} was paid a week later, and the rest paid off on XX/XX/22. So for using so called credit for less than a month am I not only manipulated out of money but my credit score was dropped XXXX  points almost over night. Beware of XXXX XXXX XXXX XXXX and their so called help.
Product: Checking or savings account

We have a revolut checking account from which we make regular recurring payments. Last month payments stopped working. Over 10 attempts failed. For 23 days we can not make a payment. 36 customer support specialists repeat the same message- they are waiting to hear from IT. The same payment works from another revolut account. We informed them About that but it seems they can not resolve it. We are incurring penalties and other losses due to this. 

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

I WAS VICTIM OF IDENTITY THEFT, SOMEBODY STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help, there are inaccurate items listed on my credit file. I have disputed and nothing has changed. For an example XXXX XXXX XXXX accounts listed that I was taken off of years ago ( authorized user ) and still listed. I don't know what else to do I need some help. These credit agencies don't even acknowledge a dispute from a consumer. They don't even have my name right.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to inform credit bureaus I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any erroneous accounts. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today, XX/XX/2021 about XXXX XXXX  CST the collector sent a text message to my brother. It detailed how much I owe {$2000.00} and it says how much they are willing to take, {$1600.00} which would be payments of {$130.00}. I have attached a screenshot of my brother 's message he forwarded me and the message he received from the collector. The loan was through XXXX  and the debt collection agency that picked up the debt and texted the information to my brother is Capital Link Management
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX tol ; d me that someone use my account number and routing number to make ach payment to american express serveral times ive never have had american express ive cintacted american express they said they need account num`ber whi`ch i dont have so what to do does amrican express get to keep the XXXX dollars that was fraudenly taken out o9f my account my bank cant do bnothing cause transactionb is over year old and if american express is not verifiny account onwership befor withdrawing funds that can be an issue can they please refund my money im on disability have no way of making anymore since my accidet for i have tbi and other medical issuse and that money was to last for the rest of my life
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are the results from your investigation that does not tell the consumer, which is me, the accounts that were removed nor the accounts that were verified. I need to know the actual accounts that were removed. I need to know the actual that were verified. Also on the accounts that were verified, i need to know the source. Its stated that LexisNexis was the source, but LexisNexis is not an employer, or creditor nor due i have a contract with your company. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit card or prepaid card

I have had multiple issue with PayPal Credit. I even slammed them with the XXXX XXXX XXXX  and my Resolve request to PayPal is to close my Account as They stated they would. I have continued to receive fraud e-mails so I called PayPal today XX/XX/2023 and Paypal tells me that PayPal Credit is STILL OPEN! I also requested today XX/XX/2023 for Paypal to close my regular account and this is how I found out about PayPal Credit and regular Paypal refuses to close that account as well. I do have the documents from the XXXX XXXX XXXX and can provide those if requestedat a later time as they are not in reach at this time. I have too many scams coming from Paypal and Paypal continues to lie to me regarding the closing of my accounts. My accounts I found out today are still open. Paypal must be investigated! Just asked the operator to put her supervisor on the line and she just attempted to side - step me. Told her once again to put the Supervisor on the Line and still waiting on hold @ XXXX...
Product: Credit card or prepaid card

Comenity bank ( XXXX XXXX credit card ) calls mine and my husbands phone at least 5 times a day trying to collect the amount owes. I am willing to pay them just have not been able to. I am not working full time right now and am a full time college student. I have told the company I will make a payment when I can but they are relentless and call every single day, multiple times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that a consumer Reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Attempted to claim HSA funds multiple times from company for the amount remaining in account. Claims were all denied stating insufficient funds. Spent over 3 hours on phone with multiple customer service representative without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized these inquiries : XXXX XXXX  XX/XX/XXXX ( Transunion ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XX/XX/XXXX ( XXXX )
Product: Mortgage

I have been attempting to modify my mortgage for over a year. Freedom mortgage was unwilling to assist me. I reached out to a third party, XXXX, and opened a case with them. For over a month we have been working to modify my mortgage. I started to receive notices from multiple attorney 's offices stating that my home was going to be foreclosed on. I reached out to XXXX for guidance and they stated that my home was up for sale on XX/XX/XXXX, and that Freedom Mortgage was reviewing my case and paperwork. A few weeks ago I started receiving mailings about a XX/XX/XXXX Auction with XXXX County Court. I reached out to XXXX again, they stated after speaking with Freedom Mortgage that they were still reviewing my case and the sale date was still XX/XX/XXXX. I still, at this point had no correspondence from Freedom Mortgage. I reached out to a Bankruptcy attorney to clarify my status and they confirmed the XX/XX/XXXX auction. Had I not filed Bankruptcy THIS AFTERNOON, I would have lost my home. The sale date that Freedom Mortgage was giving, was a week later than the actual sale. 
Freedom Mortgage Loan No. XXXX XXXX XXXX ID XXXX Case Manager XXXX XXXX ph.XXXX xXXXX