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

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
Product: Credit card or prepaid card

I had two charges with a XXXX XXXX credit card that have been closed wherein I did not receive the product. In both instances, there were XXXX clients, one a client from paypal where I paid paypal with the XXXX XXXX card and the other a direct charge to XXXX XXXX credit card I have. The two amounts total XXXX which added to my balance also put me in collections due to the rebill of the disputed charge. I did not receive the product I ordered in both instances and requested a valid refund. 
On the first instance, a client of Paypal, XXXX XXXX XXXX, ( email ( provided by paypal through dispute resolution center ), he provided a XXXX  delivery information that they shipped to my mailbox. However, no furnutre was left on the curbside, post office station and it could not have fit inside the mailbox. I never got an invoice for my patio furniture and when I clicked to cart on their website XXXX, it took my information and then it went blank. I did not receive anyting so I filed a claim with paypal and XXXX. Paypal sent me XXXX  of delivery of goods. However no furiture arrived. after looking for the email online XXXX  I found several people in my positon. They said they ordered several things from kitchen goods to furniture to other items and instead they got mailed masks that they did not order. He is listed as a scammer thorugh paypal. Paypal has not been responsive and XXXX  has rebilled the XXXX dollars to me, putting me over my limit and in collections. This is afffecting my credit and putting me in a situation to jeopardize the buying of my home. I have a family and I kept this card and paid on time for years until this XXXX scammer got into the picture who does run his business to scam people with thehelp of paypal. Paypal knows how to contact him but choses to loook the other way. 
The other instance is when I did buy masks from XXXX. They told me that they can not send me masks I ordered because I ordered through a outlet in XXXX and XXXX shipments are stoped by the use back in may. I asked for a refund and did not get it, after a couple months they told me I can use the XXXX bucks to buy other of their goods that I have no use for I want a refund, and also contacted XXXX for a refund. Idid not get the product, why should the seller keep my money. I want a refund for both the charges and also for XXXX XXXX not to punish my credit or cut my car d or close it as it will irrreparably damage my credit. 
Now if capital one is going to close my account for making this complaint, then I will lose the XXXX dollars in order to keep the card open so that I can buy my house. I need to keep my credit good and closing my only card will jeopardize my ability to buy a house for my family, in that case I will consider the mney scammed by this XXXX people as a closing cost but I should not have to pay more for closing a home.
Product: Bank account or service

Wells Fargo has retaliated against me for past complaints to the CFPB and other oversight entities, by continuing to engage in their pattern of abuse ; fraud and unfair banking practices. Recently, I was charged XXXX ( XXXX ) {$35.00} overdraft fees unjustly and on the XXXX XXXX, they placed a CASH IN BRANCH DEPOSIT ON HOLD UNTIL XXXX XXXX, claiming that I have had excessive NSF on the related account yet, it was their proven PATTERN OF FRAUD that accounted for any alleged NSF 's. As it stands now, WELLS FARGO IS HOLDING A CASH IN PERSON DEPOSIT UNTIL XXXX XXXX for no legitimate reason and INTENTIONALLY MAKING SAID ACCOUNT REMAIN IN A NEGATIVE BALANCE SO THAT THEY CAN FRAUDULENTLY COLLECT MORE NSF FEES. Wells Fargo contuinues to act corruptly in violation of State and Federal banking laws.
Product: Debt collection

On XX/XX/year> i reached out to National Credit Systems at XXXX to get information in regards to a debt that i owe. This company sent me a letter stating you may satisfy your debt in full at a 50 % discount if you pay before XX/XX/year>. When i spoke with the agent he confirmed that if the debt was paid it would be removed from my credit within 30 days. Now this company is trying to tell me that i still have a balance that is owed.
Product: Credit reporting or other personal consumer reports

upon looking over my consumer report i notice there where multiple unauthorized credit inquiries that i did not authorize or initiate. these unauthorized inquiries have raised concernd about the security of my personal credit information. to provide more context the unauthorized inquiries appear as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( EQUIFAX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name/Account Number XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


-XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

I had called about a loan deferral on XX/XX/XXXX. I was current in XXXX and was requesting a 2 month deferral. That would be XXXX and XXXX being deferred. The deferral was rejected when I paid XXXX mortgage. This is unfair as the customer service representative on a prior dispute admitted we were discussing a 2 month deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Overdraft fees from delay of pending charges since the opening of account with navy federal credit union in 2013.
Product: Checking or savings account

On XX/XX/year>, I visited XXXX XXXX and withdrew {$1000.00} from the ATM, which totaled {$1000.00} after a {$5.00} fee. A few hours later, I attempted to withdraw an additional {$1000.00}, but my transaction was declined due to the withdrawal limit. At this point, I was tired and accidentally left my card in the ATM. I noticed a group of men standing behind me, which made me feel uncomfortable, so I left quickly and began the XXXXhour drive back home. 

Later that night, I received a text message from SoFi asking if I had made a {$510.00} charge at XXXX XXXX. I replied NO to this message, indicating that I had not authorized the charge. Despite this, SoFi allowed the charge to proceed, and upon checking my app, I saw XXXX separate {$510.00} charges totaling {$1500.00}. This sum was stolen from my account. 

I have several concerns regarding SoFis handling of this situation : 1. Unapproved Transactions : SoFi processed XXXX unauthorized transactions totaling {$1500.00} after I explicitly responded NO to their fraud alert text. 
2. Inconsistent Security Measures : I was denied a second ATM withdrawal due to a limit but discovered the fraudulent charges listed as debit transactions on my statement. This raises questions about why these transactions were allowed to proceed even though I had already reached my ATM limit and why they bypassed any security protocols.

3. Customer Service Roadblocks : SoFis response suggested that the transactions had to be mine, citing no transaction denials and that my PIN was entered correctly. However, I clearly experienced a declined transaction, and I noted that these individuals were observing me, possibly seeing my PIN. SoFi has restricted my ability to speak directly with the dispute team, preventing me from explaining the situation fully. 

The total amount stolen from my account is {$1500.00}, which represents a substantial financial loss for me. I urge CFPB to assist in ensuring that SoFi investigates this situation thoroughly, including reviewing why my NO response to the fraud alert was disregarded and why I am unable to speak with someone who can resolve this miscommunication. 

This has caused me significant financial hardship, and I am requesting a full refund of the stolen amount.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I didnt authorize anything on my credit I need everything removed and I literally means everything
Product: Debt collection

CFPB closed my complaint because the debt collection agencies claimed they verified that the debt belonged to me. They indeed did not VALIDATE the debt. I need to see a physical contract with my signature that proves that I owe them that said debt. LVNV Funding is removed from my XXXX credit report and I am demanding it to be removed from my XXXX report as well. I will escalate this complain if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The following credit inquiries were made without my knowledge or authorization, I will also list the dates which they were made : XXXX 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/year> Who are these companies? I have no idea, I never consented or authorized them to pull my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  snd Experian are NOT XXXX  XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of XXXX XXXXXXXX Senior Vice President, XXXX XXXX who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached Experian credit report dated XX/XX/XXXX which clearly documents that my XXXX account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The XXXX  Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, XXXX snd Experian have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the XXXX CEO can!
Product: Debt collection

I received a letter in the mail for a debt that I have already paid on XX/XX/2019 from Paragon Revenue Group. The account number is XXXX when I called I got XXXX on the phone very rude and I told her that I have already paid this and to send this back to the original creditor and to cease all debt communications she then hung up on me. I called back spoke to XXXX and told him the same thing he then stated that he would ruin my credit if I did not pay him and I told him I am disputing the debt and to send it back to the original creditor that my XXXX XXXX account shows a XXXX balance and he said if you dont pay me I will put it on your credit right now and I said I have right under the FTC and FDCPA and he hung up on me. I then called back to ask for a manager and he told me I could not speak to one. They threatened to ruin my credit on a bill that is paid and I have a XXXX balance. They are a fraudulent company. XXXX XXXX is my name
Product: Checking or savings account

On XX/XX/XXXX of 2023 there were 2 withdraws of {$180.00} and {$200.00} on my fith third checking account I disputed this and they said it would take up to 8 bisness days to resolve this disputed amount I waited the 8 days and recieved a temporary credit today as of XXXX  XX/XX/XXXX I called to check the status of the ongoing fraud case and when they checked the lady told me the case was closed and if I wanted more information on the fraudster that may have done this I was to contact my local police department when I did they told me that it would be under a police report but the thing is I didn't make one the bank was the one that handled my dispute case I'm trying to gather more information on who to contact and if the bank will press charges on the Fraudster that did this I would like to know how or what they did to handle this fraud that occurred on my account and who I can contact regarding this issue!
Product: Credit reporting or other personal consumer reports

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 I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach. 

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received a statement from XXXX XXXX sent to my P.O Box over 6 months ago. It was for a order that was made for items that I did not order or recievc. I contacted the merchant and they informed me of this problem and I explained to them I had not ordered anything and that I have not received any merchandise. They stated I had to sign a statement indicating that it was not anything I had ordered or received.They sent me this affidavit which I filled out and returned. I just received a duplicate statement indicating that I still owe this money and they have now threatened me and reported falso information to the credit bureaus
Product: Credit reporting or other personal consumer reports

The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
XXXXXXXX XXXX XXXX XXXX  Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I'm being charged for a credit account that was not opened or authorized by myself
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company is Transunion : I filed a dispute about an collection agency, XXXX XXXX, on XX/XX/21. This company violated my consumer rights by not contacting me to let me know about the debt in order to follow the proper steps to dispute the debt with them because I do not owe XXXX anything. They just simply filed on my credit. I have read reviews on the company and they practice unethically. 

I also filed a dispute about a late payment from XXXX XXXX as well. The company was merging at the time with XXXX XXXX XXXX. Due to them not sending me up to date information to where I would send my payment, I was not able to send it in and they told me that they would reverse the late payment. 

It appears that Transunion did not do any research into my claims.
Product: Debt collection

Respected Director Im a XXXX  and this company is keep on harassing and not taking off this inappropriate debt of XXXX $ or something as originally they say it is XXXX $ and this is resulting due to identity theft and my car and documents got stolen back in 2019 of summer and I am not sure about these devices or anything. I already had a prepaid number and now Im overseas as since a year my number is cancelled and please I dont know why XXXX and Jefferson capital system is using such tactics. Please remove this false accusation from my credit thanks