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

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Checking or savings account

I am writing to express my dissatisfaction with XXXX XXXX transactions facilitated by Citigroup in early 2024 that resulted in financial losses due to errors and miscommunication. 

In the first instance, I paid a valet company {$50.00} for my vehicle, which they staged in the parking lot. Unfortunately, the valet personnel mistakenly provided the wrong XXXX number, resulting in the funds being sent to an incorrect recipient. 

In the second instance, I paid {$730.00} to my lawn service provider using XXXX, as I have done on previous occasions. However, the payment went to the wrong person because the lawn company owner changed their phone number without notifying me. 

Both incidents have caused significant financial inconvenience, and I feel these errors highlight the need for more robust safeguards to verify recipient information and prevent such issues. 

I kindly request a full refund of {$780.00} ( {$50.00} + {$730.00} ) for the XXXX unauthorized transactions. I also urge Citigroup to implement stronger verification measures within XXXX to protect customers from similar situations. I have attached all relevant documentation, including transaction details, correspondence with the valet company, and proof of previous payments to the lawn service provider. 

Please respond to my complaint within 10 business days of receiving this letter. I trust that Citigroup will address this matter promptly and help resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid a collections owed to Eastern Account System in full and they are still reporting that I owe {$110.00}. I have a screenshot of payments and the amounts but can't submit it because XXXX doesn't accept those file types. I sent a dispute a few days ago and XXXX said they verified that the debt is correct and that I still owe the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This account is unknown to me and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My father took out a credit loan to buy solar panels for his house using my identity. He forged my signature, and GOODLEAP LLC approved the loan, even though they sent the contract to my father ( not to me ) and never obtained my authorization. They claim the loan is valid, even though my father only had my driver 's license ( not my social security number ) and never received permission from me to use me as a cosigner. He signed all the documents without my consent. 

I have tried for years to get this removed. I have never lived at the address, never consented to the loan, and receive no benefits from itonly headaches and insults from my father and his family. The loan information is as follows : Goodleap LLC Loan # XXXX. 

My father alleges that the seller told him I would only be listed as a financial reference, not a cosigner. In the contract, you can see that the document was signed using my father 's email. It is likely that the IP address will show the signing was done from XXXX, while I was in XXXX at the time. Additionally, he used only my first and last name as initials, but I always include my middle name in my initials. 

I am unsure if it is too late to have this removed from my credit, but I am certain that this company allowed my father to sign on my behalf, knowing I was not there to provide consent. If they allowed this to happen in my case, it is likely they have done so in many others. Please investigate this matter.
Product: Checking or savings account

We were charged overdraft fees for items that we had the funds available. We also had issues with our bills being paid on time do to Wells Fargo not dispersing the funds.
Product: Debt collection

{$30.00} owed to collections, cental state recovery. I already paid my medical bill Friday XX/XX/XXXX paid the amount of {$340.00} recept number XXXX. I did not recive adequate notice of another amount owed to anybody beside the original medical bill, now I have a separate bill in collection. To XXXX XXXX XXXX account number XXXX. They did not provider adequate information before submitting to collections. Aggressive billing and submitting to collections without adequate notifications. Do I have any other form of complaint that I can file? Date of incident is today XX/XX/2022 the amount owed supposedly owed since XX/XX/2022 is {$30.00}, not enough time from bill to collection warning very aggressive and wrong!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required t
o ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : CCFI Date of Inquiry : XX/XX/scrub>/24 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide me with the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not believe that you did a proper investigation of these accounts, before, during or after you sent my account information anywhere else. You should have found these obvious inaccuracies on my credit report. A credit account can not be both open and closed. Tell me how this is and why you continue to damage my credit with these obvious oversights? After my request for a line by line investigation of the accounts listed below you still did not make note of the inaccuracies, which is a violation of my federally protected rights. These accounts are inaccurate and must be deleted : XXXX XXXX XXXX Account # XXXX was deleted from my Transunion and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my Transunion credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.
Product: Credit reporting, credit repair services, 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.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

KeyBank out of the blue restricted my access to then closed three of my checking account and two savings accounts with my funds in them. I was told I need you to come verify my identification and could only verify it in the branch even though I am XXXX, and have a hard time leaving my home. I made an appointment with the branch manager and managed to make it into the branch. I provided all of my identification and at that time I was told them my accounts were frozen by the fraud department. I let the branch manager know that I was a victim of identity theft, and had previously placed fraud alerts on some of my Credit profiles but that should have not been a reason for closing my accounts months after opening them. The branch manager said that he can not see a reason why the fraud department froze my accounts, and he gave them a call right in front of me but the fraud department had no reason on file as to why my accounts were frozen. However, the branch manager short me that he will work on it and let me know the outcome because I had committed no fraud and was actually a victim of identity theft. He also let me know that he could not see any fraud that I had committed either. I stress to him how urgent it was to fix this because I was also waiting on my direct deposit from my taxes. 
I left the brunch that day in hopes that everything will get worked out. Nonetheless KeyBank ended up seizing all the funds in the accounts, closing the accounts, rejecting my tax return and reporting me to XXXX XXXX  and XXXX XXXX XXXX as committing fraud. I can't believe that they actually did this to me and I did nothing wrong at all. I was assured that everything will be taken care of. I had to go without any money because of my bank accounts and the funds was seized. I had to have my income tax rejected and sent back. Now I am on XXXX XXXX XXXX XXXX XXXX XXXX  as committing fraud with KeyBank. XXXX XXXX should never take advantage of a customer this way. I suffered enough damage as it is being a victim of identity. Now I am being accused of fraud after my money was seized from KeyBank, and nothing was ever returned. Consumers have rights that shouldn't be violated by banks. The whole experience has just been horrible..
Product: Money transfer, virtual currency, or money service

I attempted to send {$500.00} as a security deposit to a landlord I signed a rental agreement with. Venmo automatically declined the transaction. I called my bank to be sure and the bank confirmed that the transaction was not even hitting the bank. 

I called Venmo as was told that the transaction was flagged for safety and security reasons and the transaction was not allowed. I requested to know what the safety and security reasons were, and Venmo representative and supervisor stated that they did not have any further information but that I should conduct the transaction on PayPal. 

I feel that if there is a legitimate safety and security reason behind not being able to transact money with another Venmo user then I have a right and a need to know what the security concern is. 

My concern is that there is no legitimate reason and Venmo is discriminating against who I can send money to and who I cant.
Product: Credit card

I used Paypal to purchase an item off of a seller on XXXX and when I returned the item, the seller said they never received it even though it was signed for. This would have been XXXX of XXXX that I opened a dispute with paypal. From here they opened a dispute, refunded my money. I paid credit for an {$1100.00} item and they refunded it to my cash account. A week later, they took it back out making my account negative and requested I pay them back. From here I opened another dispute to which they elevated the request. Again they refunded my money for a week or so and then took it away again. I then elevated that dispute again to which they agreed should be an easy case to resolve seeing all of the evidence shows that I returned the item and it was signed for. At this point they never gave me a good explanation of what was going on and I figured I lost the money at this point. Well, that all took until about XXXX of XXXX. XXXX XXXX I received a letter from debt collectors trying to recover the money to which I explained what happened. This is when I kept getting letters in the mail from paypal about paying off the debt a couple of times a month. I called paypal to ask why and they could only say " because I owe the money ''. They sold my account to another debt collector who added interest of course and was trying to get a hold of me. It'd been 4 years by the time I figured out how to open a dispute to get the debt taken care of, but I believe this is still reflecting on my credit reports and want to make sure I don't have to deal with this anymore. Thank you for your help.
Product: Vehicle loan or lease

I am only XXXX  days late on my payment. I only owe XXXX  payment. I have requested many times that they change my payment to monthly instead of every two weeks, because I have been pate before. I am only late XXXX  payment maybe no more then XXXX  days at the most when I am late. But why I am so upset about is they call me three times a day between XXXX. I have kept records of all the calls and messages. To me it's annoying and consider harassment. I work overnights, sleep during the day they know this, but they continue to call repeatedly. I can understand them calling if I was XXXX payments behind, but I have never been but XXXX behind no more than XXXX  days. Isn't this harassment?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, TX XXXX XX/XX/2024 Subject : Dispute of Multiple Accounts Dear Experian, I am disputing the following g accounts on my credit report and the errors associated with them. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The account is not mine. I am a victim of identity theft and this account does not belong to me. 
I request a FULL investigation and or delete the account from my credit report. Thank you for your prompt attention to this dispute. 

Account Name : XXXX Account Number : XXXX This account contains inaccurate date information including opened date, close date and payment history. The information reported does not align with my records. The opened date is reported completely different on XXXX and is not reported on XXXX at all. The closed date is incomplete and does not align with the other credit reporting agencies. 

I'm requesting a FULL investigation into this discrepancy to ensure the accuracy of the dates and payment history associated with this account or delete it from my credit report. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that appear on my credit reports. I did not authorize these inquiries, and I believe they are the result of fraudulent activity. Additionally, I was a victim of a data breach, which may have led to this unauthorized access to my credit information.

I am requesting that these fraudulent inquiries be investigated and immediately removed from my credit reports. Please advise on the next steps to resolve this matter as soon as possible.

Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Payday loan

I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to properly investigate any of my complaints claiming the personal information I have submitted does NOT match what they have. Please see their attached letters. Equifax has been obstructing my ability to dispute inaccurate information for years with a deliberate scheme by FALSELY claiming the information I have submitted is inaccurate. The information I have submitted DOES match what they have on file. Otherwise I am requesting for Equifax to provide me with the specific information they have on file that does NOT match what I have provided. Is it my address, social security number, date of birth. I am not asking for the information they have just the area of information they claim does NOT match. 
see my latest complaint XXXX Additionally, Equifax CONTRADICTS their own claim by mailing me out an updated credit report. Are you serious-????