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

The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the XXXX XXXX  as well as XXXX and TransUnion were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original do curse and wet signature if you can't provide these items Delete them.
Product: Debt collection

Threatening phone calls and never.. The suppose debt was supposedly writing off by the credit card company, so how did they buy a debt the company was already paid for. They are very persistent and keep calling and the people are very nasty and intimidating on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone applied for a Chase credit Card using my social security number. I NEVER applied for it on XX/XX/2023.
Product: Credit card

Wells fargo has deactivated their flights page for months now. I have a card that gets 50 % off miles using the portal but the portal hasn't worked for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I had someone try to apply a XXXX XXXX credit card under my name and it was put under as a hard inquiry. I talked to XXXX XXXX about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for Exeter Fin which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Unauthorized Hard Inquiries Dear XXXX, I am writing to formally dispute unauthorized hard inquiries on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX. Upon reviewing my credit report, I noticed the following hard inquiries that I do not recognize and did not authorize : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX According to the FCRA, hard inquiries are only permissible with my explicit authorization or in connection with a credit application or transaction initiated by me. I did not authorize these inquiries, nor have I conducted any transactions or submitted applications with these entities that would justify their presence on my credit report. 

I kindly request that you investigate these inquiries and provide documentation of my authorization or remove them from my credit report immediately. Please note that inaccurate or unauthorized hard inquiries can negatively impact my credit score, and their removal is of utmost importance. 

Attached, you will find the following documents to assist with your investigation : A copy of my government-issued photo ID A copy of a utility bill or bank statement to verify my current address A copy of the relevant section of my credit report highlighting the disputed inquiries I appreciate your attention to this matter and request a written confirmation of your findings or the removal of the disputed inquiries within the time frame allowed by the FCRA. If you require additional information, please contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt assistance. 

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

I AM A VICTIM OF IDENTITY THIEF AND THERE IS FRAUDULANT HARD INQUIRIES ON MY CREDIT REPORT THAT EQUIFAX WILL NOT REMOVE. 
I have disputed this issue with them twice already. I have provided the Federal Trade Commission ( FTC ) report with all 5 FRAUD HARD INQUIRIES on it, with a copy of my SSN card, utility bill and military ID. Which more than meets the requirement to remove those fraud inquiries. I have attached to this complaint a copy of my dispute confirmation with Equifax, my FTC report, my ID proof ( utility bill w/SSN card copy ) and military ID card. ALL 5 INQUIRIES ARE FRAUD & NEEDS TO BE IMMEDIATELY REMOVE OFF MY CREDIT FILE. 

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
Product: Debt collection

Subject : Response to Dispute Case Number : XXXX Internal Reference : XXXX Dear XXXX XXXX , I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt associated with XXXX XXXX XXXX 

First and foremost, I must reiterate that you have failed to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA ). According to U.S. Code 1692g ( a ), a debt collector is required to send a written notice to the consumer containing the following information within five days of the initial communication : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed. 

To date, I have not received any such notice. I challenge your assertion that the initial notification was mailed to my address in XX/XX/year>. If you claim this was done, I demand proof of mailing and receipt of this notice at the address provided in this complaint. I understand that certified mail isn't required, but showing proof it was mailed is in court. 

Furthermore, I dispute the validity of this alleged debt. The apartments you are referring to, " XXXX XXXX XXXX, '' do not exist, and as far as I am concerned, this debt does not belong to me. Your companys attempt to collect on a non-existent debt is a clear violation of my rights. 

Given these circumstances, I demand immediately removing this invalid debt from my credit report. Additionally, I request that all further communications from your company cease immediately. This includes reporting. Should you fail to comply with this request, I will have no choice but to pursue legal action against XXXX XXXX XXXX for violations of the FDCPA in federal court. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX is currently collecting a debt for XXXX different original creditors. Santander Consumer USA acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina ( see attached ). 

Neither Santander Consumer USA nor XXXX XXXX is the original creditor as claimed by XXXX XXXX ( see attached ). On XXXX/XXXX/XXXX, I asked XXXX., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, XXXX claimed that Santander Consumer USA was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, XXXX., provided me documentation which did not mention Santander Consumer USA as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Paypal accessed my personal checking account without authorization, in what I believe was retaliation for sharing my personal account of their facilitation of fraud. 

I am complaining about Paypal in the capacity of a consumer using its services.Not as a business. 

On XX/XX/XXXX I received a notice that a transaction made on my paypal account was being disputed. 

I provided evidence that the claim was false and Paypal agreed. 

But Paypal decided to decided to facilitate fraud and pay off the scammer from its own account, stating it would not take the money from my account. ( see attached ) I was not satisfied because Paypal was quite literally supporting fraud on my electronic account and not accurately representing the outcome of the matter. 

I complained publicly in a personal capacity about Paypal facilitating fraud. 

I posted on social media accounts and requested they provide additional details regarding their illegal support of fraud on bank accounts. 

Instead of answering my questions, Paypal retaliated for my public comments and illegally debited my account without any reason or authorization. 

This occurred in the capacity as a consumer. Not a seller. Not a business. As a consumer -- they stole funds from my personal account -- a debit completely unrelated to any open transaction. 

They just stole it. 

At this point, I do not believe Paypal will respond with truth, but I am hopeful the CFPB will look at the pattern of conduct across complaints regarding Paypal 's actions and investigate and audit it to identify how many victims and how many unauthorized debits it has made.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have consistently tried to make a deferred payment to make my account current, paid what I was told to pay by the company ( XXXX XXXX XXXX ) and the company doesnt fix my account. In the beginning the manager kept saying Im sorry we are getting this issue fixed, now the company still hasnt fixed my account resulting in derogatory credit reporting and when I try to call no one picks up the phone. I have made several attempts to contact the supervisor with zero call backs.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. 
It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card

I had a credit card on file with XXXX, and was charged in error for a service I did not receive. The hotel was informed and I disputed the charge of {$100.00} with Capital One, who confirmed the dispute, removed the charge, and resolved my issue from XX/XX/2016. I have found that Capital One has recently reinstated the charge, refused to allow me to dispute the charge, and is harming me financially by charging interest on a balance which was disputed/already removed. I have contacted XXXX representatives in order to notify them of their error. They advised they could not assist, could not read the letter they sent, and advised they were able to confirm the financial harm, the additional charge being applied, but did not see a reason to help. They referred me to a letter which is still in transit, advised I have n't responded to it, even though I am literally talking to them during this conversation, and they still would n't tell me what is required to get them to complete the request again ... I do n't understand why this is legal and would like a federal review to ensure the employees involved are investigated and my case resolved to ensure I am credited the {$100.00}, any interest applicable, and any restitution due under law. I require written confirmation from the CEO of their apology for their errors.
Product: Credit card

I purchased an Apple laptop through Apples online store. To pay for the purchase, I used my Apple Credit card, underwritten by Goldman Sachs. The Apple credit card allowed me to split the purchase into 12 monthly payments, with the first payment of {$85.00} due upon checkout. 

There was also an ongoing promotion for consumers to receive a {$150.00} Apple Store gift card with their purchase ( the cost of which was rolled into the price of the device so that if consumers returned the product, they would not receive a refund for the gift card portion but rather would keep the gift card ). 

I was one of the consumers who ultimately decided to return the device because it was insufficient for my use case. Once the device was returned, the Apple Store refunded the purchase amount equal to the remaining installments balance ; however, the initial payment completed at checkout was not refunded, nor the {$150.00} charge included for the gift card promo. Which normally would have been fine, except for the fact that the gift card I received was voided and no longer available for use. I have asked the Apple store to provide evidence that the gift card is either still active or a record of the gift card being used ; Ive also asked them to provide me the details of the gift card so that I can use it ; however, those requests have gone unanswered, yet the charge remains on the account.
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B. 

ACCOUNTS LISTED ARE : 1.XXXX XXXXXXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. ONE MAIN ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXX XXXX  from XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/2019 I moved back in with my parents. I am sick and on XXXX leave. I called and updated my address with Flagship at that time. Oddly, right after that I quit getting paper statements. 

I REQUIRE a physical paper statement and I do not have access to print anything online. Because of my illness and XXXX a 3rd party helps me with my finances and payments. I simply provide them with my statements and they do the rest. They require the statement to be able to easily assist me. If I don't get a physical bill, it won't get paid. 

I have asked them every time they call and tell me the bill is late to research the reason I am not receiving statements. They always tell me that they do and that it's fixed but in 8 months I haven't received on statement however I do receive their hate mail harassing me and telling me I'm late but they can't for the life of them send me a freaking statement. 

Not only that, but Wed the XXXX I made an arrangement ( it's late again because I didn't get the statement again ) to pay the entire {$660.00} balance and the collection department from XXXX has the nerve to call me again today asking for the same imformation. 

So they harass me by calling every 2 days even with a set arrangement and then send me hate mail. Tell me my car loan is in default but won't send me anything but their hate mail when I beg for the paper statement. 

I've cried on the phone, yelled, nicely asked for a supervisor, cried again, offered to wait for hours to talk to a supervisor and NOTHING. No one wants to solve the issue so my payments can be on time. I'm at the mercy of a company that would rather harass me on the phone every few days than send me the physical paper statement I've asked for. 

I bet, if they listened to all the recorded phone calls they would hear my pleas on EVERY SINGLE CONTACT they have had with me since XXXX. Just the last 5 calls alone is evidence. 

I even got online and updated the account. The main page on my profile advises that my account needs attention but it is on the company side. You can see that in the document I sent as well.
Product: Debt collection

I XXXX XXXX, received a court summons for an aleged debt. I have no knowledge of this aleged debt, and would like validity of said debt. There has been multiple FDCPA violations by this company including but not limited to harassing phone calls. An affidavit sign by a third party, that was not present at the time of the aleged transaction was submitted to the courts. This allegation is suspicious and deceptive, and run the risk of damaging my character. 

Robinson v WELLNESS CARE CREDIT LLC CASE # 0:2022CV60460 ORDER OF DISMISSAL
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX account # XXXX, XXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX, Equifax and XXXX ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.