23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX XXXX was reporting a charged off account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXXXXXX XXXX breached there contract and violated there terms by reporting my non public personal information to third parties, namely XXXX, XXXX and Experian pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. Additionally, XXXXXXXX XXXX was required to provide me with a purchase money loan pursuant to the Truth and Lending Act, 15 USC 1601 and regulation z which they failed to do. And XXXX XXXX is also still currently reporting transaction history which is illegal. Also, being that this account is charged off it is considered a certificate of indebtedness which constitutes income and is not to be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the handling of my credit report by the three major Credit Reporting Agencies ( CRAs ) XXXX, XXXX, and Experian. After reviewing my credit report, I discovered a significant number of inaccuracies, including multiple unauthorized inquiries, which I did not consent to and am unaware of. Upon noticing these errors, I suspected that I may have been a victim of identity theft. 

To address my concerns, I immediately reported these discrepancies to the CRAs, informing them that I believed I was a victim of identity theft. However, I am deeply disappointed to inform you that the CRAs have failed to act in accordance with the law and did not remove the unauthorized information from my credit report, despite my clear communication. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, when an individual notifies a CRA that they have been a victim of identity theft, the CRA is legally obligated to block any information related to the identity theft from the credit report within four business days. The law also requires that they investigate claims of fraud and provide a timely resolution. 

Moreover, under Texas Penal Code Section 32.51 ( Identity Theft ), it is a criminal offense for someone to use another persons identifying information without consent. I am reporting a situation in which my identity appears to have been used fraudulently, and I am being burdened with the fallout of this crime, despite my efforts to resolve the issue. 

Additionally, the Federal Trade Commission ( FTC ), in compliance with the Identity Theft and Assumption Deterrence Act ( ITADA ), mandates that upon being informed of a potential identity theft, CRAs must take immediate and appropriate action. The CRAs must either remove or block any fraudulent information from the report. By not adhering to these guidelines, the CRAs have failed in their statutory duty to protect consumers like myself. 

I am demanding that the CRAs immediately remove all unauthorized inquiries and correct the inaccurate information on my credit report, as required by law. Their failure to do so is leaving me in a precarious situation, where I am being wrongfully treated as the person at fault, while I am, in fact, the victim of a crime. If these matters are not addressed promptly and adequately, I will have no other option but to pursue legal action, including litigation, to protect my rights and restore my credit. 

I respectfully request that you intervene on my behalf to ensure that the CRAs are held accountable for their failure to act in accordance with federal, state, and FCRA laws, as outlined above. It is imperative that I be treated as a victim of identity theft, not as someone at fault for these unauthorized actions. 

I appreciate your attention to this urgent matter and look forward to a timely and thorough resolution. Should you require any additional documentation, please do not hesitate to contact me, I am also attaching my Identity Theft Report and the letters I sent to the CRAs
Product: Credit card or prepaid card

This week I received 2 offers from Capital One saying I was pre-approved for a {$150.00} cash back card after {$500.00} in charges. I applied and was denied both cards despite excellent credit and paying my cards in full every month. I want Capital One to never be allowed to send me a application in the future. They send these pre-approved offers to me regulary and I want it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX   ****XXXX not mine XXXX ****XXXX not mine XXXX ****XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have on multiple ( 4 separate occasions ) Dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; And XX/XX/XXXX sent formal, certified and notarized mailed dispute letters to Experian XXXX XXXX XXXX, XXXX, TX XXXX and as of date I still find the same incorrect and inaccurate unverified negative accounts on my credit report. These are the negative items I still find on my personal credit file with Experian : 1 ) Name of Account : NYS Dept of Soc SVC Child support. Account Number : XXXX. 2 ) Name of account : XXXX XXXX : account # : XXXX. 

As you can see in attached doc. this account is paid and closed and incorrectly/ inaccurately/unverified yet still being listed on my credit report. These account listings are incorrect and also unverified.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX reporting an account ( XXXXXXXX XXXX ) that belongs to my ex-wife on my credit report. Documentation showing the decree from court that my ex-spouse is the owner of the account was also submitted to all XXXX credit bureau yet this account is still left on my credit file. Also, credit enquiries i had no knowledge of disputed all to no avail that were not verified left on my credit report. I contacted the furnishers and was told that they had no record of such and all effort to get this taken of my credit report by XXXX, Equifax and XXXX credit bureau was to no avail. This is really taking a toll on my report and needs to be taken off as soon as possible.
Product: Debt collection

I opened my credit report and found this collection PROFESSIONAL CREDIT ANALYSTS, which I was never notified of, it is an account that is reported without validating and I am being affected in my credit, they can not report an account without notifying me.
Product: Credit reporting or other personal consumer reports

Since XXXX XXXXXXXX continues to report under XXXX XXXX  the name XXXX and credit information and accounts that are not on my reports. This is not reported on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIZENS PAY CREDIT LI 1 LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX  Status XXXX. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Debt collection

Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.
Product: Credit reporting or other personal consumer reports

Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXXXXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Flagstar Bank fails to remediate payment credit allocation issue with funds going to the incorrect accounts creating late payments and other logistic problems. One of my complaints is the website that will not accept payment from business accounts which is a problem for me accountingwise. This forces me to look at their website for th changes every month to be sure that I am current. I tried to remediate three times at a minimum over the last 4 months with their customer service. The reps were professional and assitive. However, when routed to a manager whom I spoke on the XXXX of XXXX. She was XXXX.and XXXX  from the start. When I tried to explain the problem, she continuous interrupted me while speaking crypticaly about what this remediation process was not conducted in the same dept and that I had run out of time to remediate ( 90 days ) and that Flagstar will not redistribute funds to their proper location even after paying differences in payments to correct the books. Flagstar failed to remediate my issue and the manager was provacative to the point of my losing my temper. I am a veteran business owner who feels discriminated by Flagstar as they have put up several procedural obstructive barriers to resolve problem or even contact them. The phone system asks for a full social secutiry number to be punched and my result was to be kicked out of their phone system. I finally reached Flagstar CS through a very frustrating gauntlet of redirection. They are not small business friendly and has put up barriers to service in particular to deal with businesses like mine. I have to do MORE work than a regular consumer by their design. Flagstar was not my first mortgagor for these five accounts and previous mortgagors were small business friendly and CS oriented. I hope there not a great many Flagstar customers have had my customer experince. It truly sucked. It is my hope that they sell my notes to another bank to service these loans. I will take the gamble of whether another mortgagor will service my accounts will be better.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report due to identity theft. I recently discovered fraudulent accounts and inquiries that i did not authorize or open, which have nagatively impacted my credit. The items in question includes inquiries XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX. Accounts XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have highlighted and proof of my identity. I request these items be investigated and removed from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, my name is XXXX and I really hope you can please help me. Begging you can help me fight PayPal credit who is siding with a scammer. This is a follow up to my previous complaint that is NOT resolved XXXX. XXXX will preface what happened. On XX/XX/XXXX I made a purchase using " Goods & Services '' using my PayPal Credit ( line of credit that you can use on purchases ). I spoke with a seller on the website " XXXX '' and this a forum site where there is a group for people who buy and sell collectibles XXXX '' figures called " XXXX XXXX '' ( here is the company official site to showcase what these figures look like so you can understand the quality and pricing XXXX XXXX XXXX ) I speak to a supposed seller and we agree to a price and I pay him. A few days pass and I noticed the tracking number he provided was bogus, nothing was updating despite him saying " he dropped off the XXXX  at the post office ''. I noticed the interaction was fishy - I contact PayPal to open a dispute against the transaction. At this time, the seller isn't quite smart because he admits to scamming me, he attacks me personally and makes comments like " I can tell you've never been broke '' and confirming he indeed scam me. I notify PayPal and they said they need to wait until the package shows up. Well, a package does show up, the box is very small ( mind you, these are XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX figure I supposedly bought ) and I open the box to a case of XXXX  XXXX. I contact PayPal and they put me in a limbo and run around. Eventually they CLOSE the case IN THE SCAMMERS FAVOR. I'm literally DUMBFOUNDED as to HOW this scammer was able to get away with this. This is awful, this person now has deleted their XXXX  account, erased their digital footprint on that site. I've been a customer of PayPal credit for over 10 years and to be treated like the criminal here being OUT {$350.00} is absolutely mind boggling. To make matters worse, whenever you call them, you are speaking to representatives that operate outside the United States so no one truly cares or can understand how XXXX and white this fraud is. I have ALL the messages and pictures. I seek for a full refund please please please I am begging for help. I've attached XXXX pictures of the conversation with the scammer : For explanation - the scammer username is " XXXX '' and MY personal username is " XXXX ''. XXXX XXXX - XXXX contains the conversation and picture XXXX has his confession of scamming me. Picture XXXX and XXXX are of the package he sent to me, which to clarify again, is NOT what I ordered. Lastly picture XXXX - I had messaged the moderator of the XXXX XXXX XXXX and the moderator has a display name of " XXXX '' and he also confirmed that this person has been scamming other members. This makes it worse cause this shows that this individual has other claims made against him and STILL paypal is SIDING with a criminal. I beg you to help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with Equifax and twice with XXXX XXXX XXXX  and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX  credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
Product: Checking or savings account

I deposited cash into my checking account once I noticed my rent had cleared. It was before XXXX AZ time and I was told previously by MidFirst bank representatives that I had to make any cash deposits before their XXXX Central time cut off. I made sure the account was positive when I left the bank after depositing cash. 

Two days later they returned my check and can not explain why? Now I have late rent and fees totaling over {$100.00}. They have offered no help and blame me for the entire situation. I deposited cash the first chance I got the day it went negative.

They refuse to reimburse my apartment fees that they caused by simply not honoring my check when the funds where available in cash the same day before XXXX when the account first went negative. They gave me zero opportunity to deposit cash and allow my check to clear.

This is illegal as I had no idea or notice of such procedures and they have disclosed zero information on check processing to me. No emails or phone calls and management is a joke.
Product: Debt collection

Applied and received XXXX XXXX Credit card held by XXXX XXXX in the amount of {$150.00}. Paid and cancelled card. Collection Agency Portfolio Recovery reported a collection account to credit bureaus in the amount of {$450.00} they have been calling my phone for months, I mean everyday. Spoke with rep twice told them this debt had been paid in full and no more discussion. The date placed to the bureau has been excellerated. ( not true ) .This company calls my phone from multiple cities and uses multiple numbers. They will not send me nothing in writing verifying the validity of this.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. These items must have been misplaced or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on! The allegations that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations.Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about me.Document that you have complied with the reporting requirements, and report without any deviations. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and XXXX XXXX compliance standards, as XXXX states Any deviations from these standards jeopardize data integrityWith that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogether.You have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting.
Product: Credit card

XX/XX/year> Bank of America took {$12000.00} out of my personal checking account and transferred it and used it to pay off my past due business checking account. 

I never received any letters or any warnings that this would be done. On XX/XX/year>, I called them and they said that there was nothing that they could do that this pays off my debt with them. This right of offset made my checking account over drawn and it puts me in a financial hardship as well.