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  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 : Also states a consumer reporting agency can not furnish an account without my 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

In early 2024, I discovered an account from XXXXXXXX XXXX on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted XXXX XXXX to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights. 

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.
Product: Credit reporting or other personal consumer reports

I was completely blindsided this morning when I saw incorrect accounts listed on my credit report, with no explanation for how they appeared. I always keep an eye on my report, but today, things were wrong out of the blue. I thought maybe it was just a browser issue, but refreshing didnt fix anything. Im urging you to review the documents Ive sent, so this never happens again.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I got a negative {$990.00} dollars in my PayPal money wallet without any explanations and I called about it. They told me that it was a charge-back made by PayPal MasterCard. I gave them a copy of their logged activity from XX/XX/XXXX through XX/XX/XXXX and the next day in XX/XX/XXXX I was again given another charge-back of the same amount in my money wallet. 

The charge-backs in question had to do about two charges that I requested a refund and was honored to received them from the merchant. I thought this case was closed and I contacted PayPal Mastercard ( XXXX ) and made a complaint with CFPB about it under case XXXX in XX/XX/XXXX. They showed me that indeed they gave me an additional credit and therefore I agreed to pay them for the additional credit given to me in XX/XX/XXXX and that was paid in XX/XX/XXXX. Please referred to the letter sent by XXXX and the statements I submitted in this complaint. 

This should have resolved this issue but PayPal did not remove the second negative amount from my money wallet. I called PayPal about it and was told by their agent XXXX in XX/XX/XXXX that she was going send a request to remove the second negative {$990.00} from my money wallet because it was made in error and she gave me Ticket # XXXX as a reference. 

I waited for a week to passed and found my money wallet still with a negative amount. I must emphasize that I had {$33.00} before they issue two charge-backs into my money wallet. The negative amount that is in my money wallet is still {$960.00}. 

After calling many times they finally paid me {$990.00} in XX/XX/XXXX but they did not put into my money wallet. I can see it recorded in the Activity Log. 

I am formally requesting that they reverse this negative {$990.00} from my money wallet that was made in error by explaining correctly what happened in detail because what they have and tried to correct still confuses them. I will submit two screen shots of prove that they are erroneously trying to fix this accountability that is plainly explained by XXXX XXXX  and the statements I provided. 

I am attaching XXXX XXXX  'XXXX  letter and the statements that recorded the transaction in questions. 

Also, I must add that I have contacted the merchant to help me by providing me proof that he did made the refunds because in the statements it will show that the credits given to me did not have the name of the merchant but PayPal instead. He has not responded and told me that to bother him. This will make me believe that PayPal inadvertently did not let the merchant pay the refund because they found out that I contacted XXXX about it and that they gave me credit and therefore the merchant did not pay any refund and now PayPal is trying to force it out of me. This can not be tolerated. 

You must contact the merchant. His contact information is : XXXX XXXX XXXX XXXX XXXX   XXXX http : /XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Based on online posting and Venmo 's Purchase Protection program guarantee, I made a purchase for US {$62.00} from a Venmo account associated with XXXX XXXX. The Venmo ID for the account is @ XXXX. However, the goods were not delivered. The contact number for the person is XXXX ( XXXX ) XXXX. The person initially communicated but ghosted after the amount was transferred and payment was confirmed. 

A dispute ticket was raised with Venmo.
Product: Mortgage

I bought a house in XX/XX/XXXX and I did an XX/XX/XXXX loan. I stopped paying XXXX XXXX XXXX in XXXX. In XXXX I signed a loan modification to modify my mortgages with XXXX XXXX XXXX. At least that is what I was told by XXXX XXXX XXXX, that both mortgages were rolled into one. The law firm that facilitated this modification was XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX p # XXXX, XXXX -- XXXX. 

Move to XXXX. I received a settlement check from XXXX from the Fund 1 Independent Foreclosure Review Payment QSF. I figure it was because of their deficient practices. Looking back now and with I'm dealing with today, I see why. I just didn't think I was a victim as well. 

Now in XXXX. I received a settlement check from Real Time Resloutions. At that time, I did not know why. Until XXXX, I had never heard of RTR. 

Move forward to XXXX. I tried to refinance my home, and I was told by the title company that there was another deed/lien on my property. Again, after the modification in XXXX, there should have only been one. The title company could not find who owned the " second ''. Since XXXX I have been paying my modified mortgage payment, currently to XXXX XXXX. XXXX XXXX assured me that they only had one loan and deed on my property. 

In XX/XX/XXXX, I reached out to Real Time Resolutions and talked to XXXX XXXX at XXXXXXXX I explained to them that this loan was modified in XXXX and that their debt was not valid. She replied that it was but had no documentation to support the validity besides the old deed recorded in XXXX. 

It is now going on 16 years since I have paid on the deed in question and 13 years paying on my modified loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in 2019 and i need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit inquiries through XXXX and Equifax. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX-Account # : XXXX XXXX. XXXX-Account # 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 CREDIT BUREAU 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received an email indicating that my phone # was deleted for XXXX and to contact Bank of America if done in error. I call and eventually get sent to the account closure department where I was told that the bank had made a business decision to close all 4 of my accounts ( 1 checking and 3 savings accounts with a combined balance of over XXXX ). I was told the decision was final and that the process had just begun that day. He refused to provide any reason for this action. Constantly referring to the agreement when I opened the accounts. He did say the process usually takes 10 business days. He told me to call back the next day for better dates. I called the next day ( XX/XX/XXXX ) where I was basically told the same thing. When I called the next Tuesday XX/XX/XXXX I was told that the accounts appeared to be scheduled for closure the next day and that I should call back on XX/XX/XXXX to learn when to expect the check. When I called on the XXXX I was told that the accounts were not expected to be closed until XX/XX/XXXX and that no money could come in or out of the accounts. I questioned him about the 3 previous people telling me that it should take 10 days. He said that it takes 30 to 45 days and had no idea why they would say otherwise. I then spoke with a supervisor by the name XXXX. She seemed to understand the issue but would only release the funds from my checking account and a savings account with minimal funds. Total funds released {$1700.00}. After reading the agreement which indicated that either party can close the account at any time without notice except upon withdrawal of funds they can require 7 days notice. I mailed a written demand/request to close the accounts and receive funds in 7 days. I have not had a response. I submitted a complaint with Bank of America and was told they would request the closure department expedite the process however they told me I would have an answer within 72 hours and it has been 5 days. Any help in getting the funds released would be appreciated. Again they are claiming non wrong doing on my part but are being punitive in nature by holding my funds longer than necessary as can be proved by their policy of 7 days when closed by me.
Product: Debt collection

I made contact with Collins Asset group regarding a collection on my credit report for a car the was voluntarily repossessed. I made a payment arraignment with this agency to pay down my debt, {$100.00} a month, with the understanding that they report my account is in repayment. The company continually reported the account in collections. I had filed a dispute against the report. I sent emails at the latest on XX/XX/XXXX no longer disputing this account. The company still reported that I am disputing the account. I have spoken to all three credit bureaus and they do not have a dispute on file, except when Collins reports the dispute, it triggers a dispute with the credit bureaus. Collins refuses to change the account to a repayment status, remove the dispute, or report it in adherence to the FCRA. I have spoken to XXXX the Operations Manager at Collins and was told flat out they would not put the account in repayment and nor remove any of the dispute wording being erroneously reported to the credit bureaus. I have emailed this company many times for documentation and have received no correspondence.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect

to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with m
y Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : 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  Account Number XXXX Open Date XX/XX/2021 Balance : {$330.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/2021 Balance : {$0.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/2021 Balance : {$17.00} Late/Open XXXX XXXX Account Number XXXX Open Date XX/XX/2021 Balance : {$5.00} Late/Open
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries on my report from XXXX XXXX
Product: Credit reporting or other personal consumer reports

My SSN has been used as a personal gain. 
have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX- $ XXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX. XXXX : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$4700.00} : XXXX? 

Unauthorized Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.
Product: Credit card or prepaid card

This is the XXXX of XXXX XXXX XXXX. 
We recently received a credit card bill from XXXX 's which we never applied. The account number is XXXX. XXXX {$15000.00} purchase at XX/XX/2023, INVOICE # XXXX. I've called XXXX 's about the issue and they told me that we actually don't have to do anything.
Product: Credit reporting

Regarding XXXX Credit Card accounts with XXXX. XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My XXXX also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES to the IRS and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously.

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone used my identity and opened up a macys American Express credit card. After Macys investigations. They kept saying I am fully responsible for the balance. The balance is {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXXI have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a period of a year and a half up to 10 inquires were added to our Equifax reports for the one loan we were seeking approval for. Starting in XX/XX/2017 up to the present the inquires on our Equifax report were for one loan and that should be noted. One or two inquires have dropped off our reports but there are still up to 8 still listed. Our view is one loan, one inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX data breach and I suspect this contributed to inaccurate items on my report.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, I noticed inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) and lastly XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act XXXX XXXX XXXX  c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If they can not provide me with proof that I authorized them to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from their records. Failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of these companies ' willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my Experian report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with Experian asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : 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