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

Portfolio Recovery Associates is reflecting on my credit report with 2 different account numbers. I have not signed a contract or created debt with their company. I have disputed the accounts several times with the company and with the 3 credit bureaus. The company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously disputed the fact that all 3 bureaus are reflecting differently and asked that the account be removed due to inaccuracies however all they do is verify that it is accurate. Its also reflecting a past due balance? How?
Product: Money transfer, virtual currency, or money service

I sent on Cashapp XXXX to the wrong person. I realized it in mins I then requested the funds back. Shortly after I didn't get a reply I asked cashapp to help me get my funds back. They replies hours later. When they did get back to me all I could get them to tell me was they are sorry that I should double check from now on who I'm sending my mo ey too. This was days ago I just got to speak to someone over the pho e they all tell me the same thing. I contacted them befor the money was accepted and there for gone by the person that stole it but they took hours to get back to me so I couldn't do anything they say it was final I asked repeatedly could cashapp let the other person know that it would be in there best Intrest to refund my account. I was told no they couldn't do anything. Now I'm setting here 3 days from XXXX with no dinner for my family. It's a sham they can't even request my own money back on my behalf I'm told sorry they can do nothing.
Product: Debt collection

THIS IS NOT MY DEBT.. I DONT KNOW ANYTHING ABOUT THIS LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to experian and they deleted some inquiries but not all. They don't understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these fraudulent inquiries be removed please.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Credit reporting or other personal consumer reports

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Product: Credit card or prepaid card

I have a credit card with Citibank, I raised Dispute for {$1100.00} XXXX but withdrawn it XX/XX/XXXX => and tried to reopen it but unable to do so. below is the history of this entire transaction. 

Date XX/XX/XXXX => I used for making payment for one of the airline ticket I was trying to purchase from XXXX XXXX XXXX XXXX XXXX but somehow that transaction didnt went through so Date XX/XX/XXXX => I filed a dispute request with Citibank on the same day, => Citibank applied a conditional credit to my Credit Card. 

Date XX/XX/XXXX => However later I got confirmation from XXXX XXXX that my ticket is confirmed. So I Withdrawn my dispute XXXX Citibank reversed the charges on my credit card of {$1100.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX booking ( Ref XXXX ) saying I disputed the amount. 

Date XX/XX/XXXX => I asked XXXX XXXX XXXX provide an XXXX so that I can back track the transaction with the help of my bank but i didnot receive any response from them. 

=> CitiBank Customer Support helped me to file reopen the case again but XXXX master card denined that they can't reopen the dispute since it was withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of treasury took my income tax f or 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
Product: Checking or savings account

I am not able to open up a bank account due to someone using my information for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has Minipulated the system I use to be able to call in and speak to a rep HOWEVER when I type in my social security number I loose the options as well Experian has failed in there procedures and responses to me going on 5 months now I filed a criminal complaint as well they fail to update me email to XXXXXXXX XXXX XXXX XXXX  EXperian has received demands for removal of all errors regestered mail there blunt disreguard of the law has caused a criminal complaint against XXXX and as well fraudulently keeping cases etc pending damaging my credit worthy XXXX
Product: Credit reporting or other personal consumer reports

SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
Product: Checking or savings account

On approximately XX/XX/2019, i used my suntrust account to make a purchase on ebay for the amount of {$140.00} to a seller to have my ignition switch repaired, that seller never repaired my ignition switch and stop responding to emails. so i contacted XXXX with no help. 
So i contacted suntrust several times on different occasions and spoke with 4 different people with no help, the employees of suntrust claimed to have sent me an affidavit but i received nothing, today i spoke with someone named XXXX at approximately XXXX and was told they cant issue you a refund even though i didn't receive what i paid for, so i asked to speak to a supervisor, her name is XXXX and she told me we cant issue you a refund unless you respond back to an affidavit, i told her i never received one and each time suntrust claim they sent it to me by email i didn't receive anything, which i believe is intentional so that i cant dispute the transaction and delay the time so that transaction can expire.
Product: Debt collection

I enter into a payment plan but it was impossible to pay thru there website as i was leaving out of the country and there was no other way to contact them or send payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removed from my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX : # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX : # XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX Account name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 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.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).
Product: Debt collection

Account Type : Individual Credit Card Account Status : Charge off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$1800.00} Balance : {$2300.00} Past Due XXXX : {$2300.00} Original Charge Off XXXX : {$2300.00} Last Payment : XX/XX/XXXX This was for a synchrony tjMaxx credit card opened under my name that I did not authorized or know of. However, I realized this too late because I was young and didn't know how or where to go to monitor my credit or personal information. It was opened in XXXX which I had no knowledge of until a couple years ago I checked my credit report and it stated that I owe this credit company x amount of money, I tried disputing it since through third-parties like XXXX XXXX and all three credit reporting agencies but to no avail it all came back as " accurate ''. There are several other inconsistencies and inaccuracies that I found that was reported to the credit bureaus through this creditor. There have been XXXX addresses added to my name that I have never lived at, either that or very similar address with a number or XXXX off to my real address that have been added underneath this creditor. Furthermore, my " birthdate '' is incorrect under this creditor which has reported wrong " personal information '' to other parties. I have disputed the different addresses to XXXX, XXXX, and XXXX and they were not too helpful. Even when XXXX reporting agencies would remove the false address it would still show up in other reporting agencies which was really frustrating. My credit has suffered due to this inconsistency and it constantly shows up as " delinquency '' or " derogatory '' on my credit reports. I don't have documents or " bills '' from this company since I have never received any bills to my correct address.
Product: Credit reporting or other personal consumer reports

Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> Transunion, XXXX, XXXX Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information. 

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I got a letter from debt collector. The debt collector wanted respond within 30 days.I call the debt collecto for negotiate payment. 
Debt collector want me pay {$120.00} a month, but i have a very heavy finance difficulty problem. I had asked to debt collector to pay {$50.00} a month.The debt collector refused my negotiate, and The debt collector keep continued law suit eventhough i pay {$50.00} a month. I used paid about {$70.00} a month to credit co.The debt collector rapidly raised up monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Product: Checking or savings account

Bank of america Texas, I had sent a, wire that failed for an unknown reason and they immediately shut my accounts down and were holding my funds they didn't need ... I old then they can hold the pending but the others I nee ti pay bills and keep my business running and they still refused I keep getting the run around from several different people and just need to pay the bills owe since the wire failed on their end
Product: Credit reporting, credit repair services, or other personal consumer reports

I formerly had a savings account with  Wells Fargo, that has since been closed. I just checked my credit report and saw that Wells Fargo  initiated a hard inquiry on my credit in  XXXX    XXXX   ( indicating that I applied for a line of credit from the m ). I never applied for or received a line of credit from Wells Fargo. I just contacted WF regarding this and they essentially said th ey could not give me any info and just gave me a fax # for a credit dispute.
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. 

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

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

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

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

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

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

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 card

I was robbed and assaulted which I have a police report for. When I finally recovered I noticed the thieves order the credit card on my account and other things. I called the bank I tried to speak with them about this matter but they were not understanding. I Have files and proof for this incident.
Product: Mortgage

XXXX XXXX : WELLS FARGO LOAN ( XXXX ) ~XX/XX/XXXX LOAN ( XXXX XXXX XXXX : FRAUDULENT WELLS FARGO/HSBC INVESTORS/SPECIALIZED LOAN SERVICING INVESTORS HOME RETENTION GUIDELINES I contracted a 30 year mortgage loan of {$540000.00} with Wells Fargo in XXXX guaranteed by the United States Government agency XXXX XXXX XXXX XXXX to purchase a house in New XXXX XXXX NY XXXX. 
In XXXX, Wells Fargo secretly sold my mortgage to a private Investors, XXXX without informing me ; until XXXX when I came to find out from Court Documents from Wells Fargo. 
I protested then, and was informed by Wells Fargo that it would not affect me adversely and was the usual practice in the industry. Wells Fargo elected to keep the role of Loan Servicer, after selling my loan to XXXX Investors. 
The borrower discovered recently that Wells Fargo unilaterally sold my loan to XXXX Investors so as to remove the XXXX Government agency, XXXX XXXX XXXX guarantee that protect me against hostile predatory practices, without informing the borrower, and benefit from the CARES ACT and other provisions to alleviate the sufferings of Americans due to the Pandemic. 
The borrower would have elected to refinance the loan from another lender with the cover of the US government guarantee through XXXX XXXX XXXX and benefit from the CARES Act XXXX para. XXXX of Exhibit ) In XX/XX/XXXX, Wells Fargo transferred the loan servicing, to XXXX XXXXXX/XX/XXXX( SLS ). Wells Fargo also transferred my application for loan modification to SLS. 
XX/XX/XXXX approved a strange retention program, which added a new balloon loan of {$380000.00} to the existing mortgage ( bringing the total loan to {>= $1,000,000} compared to the original loan of {$540000.00} ; and recall {$520000.00} had already been paid by the borrower towards the repayment of the mortgage ) as a condition for signing and extending the loan repayment from 30 years to 40 years. 
The borrower could not sign the so called approved retention program ; without the removal of the additional loan of {$380000.00}. 
In view of this anomaly, the borrower raised a petition to CFPB in XXXX, XXXX. 
In the response to CFPB dated XXXX XXXX, XXXX XXXX see Exhibit attached ), paragraph 7, XXXX stated that : 1 ) The Cares Act and other applicable United States Acts to protect consumers are not applicable to this loan, because it is no longer owned or guaranteed by a government entity- XXXX XXXX XXXX XXXX It is now governed by the Investors Guidelines-XX/XX/XXXX XXXX, XXXX XXXX, as Trustee for XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, Series XXXX. 

2 ) The XXXX Investors guidelines have their tailor made modification that does not consider income or expenses in the review process unknown to the borrower. Meanwhile the borrower was made to submit their documentation on income and expenses in the loan modification application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX report showed a drop in my credit score due to closing an account with XXXX, and some bank associated with XXXX. I never had or ever applied for this account. I had no idea an account was made in my name and had never contacted them to open any account. I responded to XXXX and asked for it to be corrected but was told that their internal investigation found no wrong doing on their part. When I first contacted them they couldn't even find an account in my name but then determine that it was a real account. How does that even happen, they have no record of me signing anything because I didn't. I appealed to transunion for help and they said they wouldn't remove it either. What else can I do it dropped my credit score by 39 points when they closed this account that I had never opened. Im so upset and I need help, please someone help me.