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

In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of Toyota financial services and explained my problem. They referred me to the credit bureau, who referred me back to Toyota financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XXXX XXXX, 2021 I found out my Wells Fargo Business Savings was debit {$1700.00} for a XXXX payment with a name XXXX XXXX. I check my Wells Fargo Business Checking account online regularly. Since I don't use the Business Savings Account I did not pay attention to its transaction activity as often as my Business Checking account. I do not recognize this large withdrawal and I don't know this personal either ; so I called Wells Fargo customer services service line right away. At first a Rep. told me it takes about 10 days for them to do the investigation. After 18 days I called again customer service rep. told me my dispute denied because I have to report the unauthorized transaction with 3 days and I need to contact XXXX credit card directly. I scheduled an in-person appointment at Wells Fargo XXXX XXXX office . The banker at that location told me I have to report the dispute within 24 hours after the transaction debited my account and she was not able to help me at all. I called the bank customer service line again finally I got a processing number for this payment. I called XXXX Credit Card but they told me my bank has to contact them for this kind of fraud issue. I had to ask for a supervisor in order for me to get some help. XXXX is the supervisor at XXXX Credit Card Dept. he didn't believe me when I said Wells Fargo could not help me at all. We did a three-way calling with Wells Fargo ; after the call he understood the frustration I had to go through and promised me he will try to help me. So far I still have not heard anything from anyone. I don't have a XXXX credit card.
Product: Mortgage

- Contacted PennyMac in XX/XX/XXXX to have our Homeowners insurance paid direct from us instead of from our escrow account - Contacted PennyMac multiple times ( XXXX through XX/XX/XXXX ) because PennyMac would not change responsible party for Homeowners insurance from mortgage company to borrowers behalf - Set-up a payment plan with XXXX  for direct billing to us for our Homeowners insurance in XX/XX/XXXX - Sent PennyMac a XXXX Insurance Contract showing Homeowners insurance coverage through XX/XX/XXXX - Received our first monthly bill from XXXX  for a XX/XX/XXXX payment - Contacted PennyMac on XX/XX/XXXX with a resend of notification to the escrow department to adjust our escrow because we were being direct billed for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX with a resend to change responsible party from mortgage company to borrower for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX that we would notify CFPB if changes were not made - On XX/XX/XXXX, PennyMac sent a full annual payment from our escrow account to XXXX without our permission and ignoring all items listed above - Contacted XXXX on XX/XX/XXXX and XXXX attempted to void the payment, but apologized because they could not. 
- Logged into our PennyMac account on XX/XX/XXXX to capture all message information and all message information on our account ( ALL history of communication between we the borrowers and PennyMac has been deleted ). We will include files we have saved in this complaint.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my rights.
Product: Debt collection

I received a " final notice '' from a collection company on a credit card that was paid in full in XX/XX/2007. When I called to advise them to send me supporting documents, I was met with threats of lawsuits, wage garnishment and liens. I do not owe the money. My credit report confirms this is a paid account.
Product: Credit reporting or other personal consumer reports

Experian used my personal information and information on my credit report without my consent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts. I have sent them letters and TransUnion has not taken action to report to me the consumer in the time frame as agreed according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan ( within the last month ) and my credit score came back lower than I anticipated. My wife did some research and indicated it was due to an outstanding balance of {$24.00} to a company called Kikoff. 

I have never heard of Kikoff or signed up for any services from this company. On Friday, XX/XX/XXXX I attempted to log in using all of my email addresses and discovered none of them were listed as valid. I then went through the forgot email flow and the email associated with my account is : XXXX This is not my email or anyone in my familys email. I believe this account has been fraudulently/maliciously opened on my behalf and that Kikoff has been incorrectly influencing my credit score. 

I contacted the company on XX/XX/XXXX and indicated : 1 ) I would like the issue resolved immediately 2 ) I would like the account closed 3 ) I would like the {$24.00} balance erased 4 ) I would like any adverse reports to any/all credit rating agencies related to this account and balanced reversed I provide my email and mobile number as contacts. I received a response email from an email address XXXX on XX/XX/26 indicating they were escalating to their internal fraud team for review. They asked that if I had completed an FTC report or filed a local police claim that I should attach it to the email for their review, thus my opening of a complaint with CFPB. 

I appreciate any assistance you can provide with this matter. 

Many thanks in advance- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed bankruptcies on my credit report with XXXX, Equifax and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, Equifax and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/2020 we completed a bill pay via XXXX for {$100000.00} to PenFed Credit Union. Our bank XXXX confirmed that the money was accepted by PenFed on XX/XX/2020. However, despite numerous follow ups and providing proof of payment from XXXX, PenFed claims they can't locate the transaction. We also provided proof of the prior payment via the same method of {$2100.00} on XX/XX/2020 that was posted to my account on XX/XX/2020. 

It is nearly impossible to get through when we try to call, on average we had to wait at least 1.5 hrs for someone to answer. We even sent at least 2 communications to the Office of the Chairman of the Board XXXX XXXX XXXX and still no respond from anyone. Sounds like PenFed had some kind of system upgrade and they are not able to account for money that they are getting from their customers. We've lost countless hours on this, plus the anxiety and stress this is causing me and my wife. We are looking for immediate respond from PenFed on where about of our money that they received. Since it is an electronic payment that was accepted, my bank XXXX can't recall the money.
Product: Debt collection

XX/XX/year> was the date on the credit report and I never heard from these people. my father told me to check my credit for the school loan payment amount and this is when we noticed this collection. i sent request to show proof of my signature or other docs no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to XXXX, I wrote to Equifax on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX XXXX   informed me that the information I disputed had been updated. And EQUIFAX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX, EQUIFAX, AND XXXX THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Product: Money transfer, virtual currency, or money service

My account was permanently limited for some reason and Paypal advised me that my funds would be available for withdrawal after 180 days On the XXXX of this month they sent me a mail that my funds were eligible for withdrawal. However when I try to withdraw the money the transaction of XXXX XXXX keeps getting declined. I contacted them about this and they kept sending me automatic replies that didn't address the problem. I further quizzed them on why I was not getting an answer and they replied that funds would be eligible for withdrawal after 180 days. It's like they don't even keep track of their own records. 

I asked for assistance on this issue again and again now they're not even responding.Hope you people can help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX late payments. There are fraudulent employers XXXX XXXX XXXX, and XXXX XXXX. There are also inquiries, and addresses that are reported on my consumer report. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX XXXX || Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX || Date of inquiry:XXXX XXXX XXXX XXXX XXXX || Date of inquiry : XX/XX/2022
Product: Credit card or prepaid card

On XX/XX/XXXX, I received notice of declined card activity on my Chase XXXX card. I looked online at my card 's activity and saw fraudulent purchases for {$110.00} at a XXXX XXXX XXXX XXXX, MD, and {$4400.00} at the XXXX XXXX in the same mall in XXXX. I called the fraud department at Chase XXXX, and the representative said they would take care of it. However, in early XXXX Chase sent me a letter saying that they were holding me responsible for the entirety of the charges because I had " received benefit. '' When I followed up with the Fraud Recovery department, I learned that they had not contacted the XXXX XXXX XXXX MD XXXX Police Department, XXXX XXXX, or the XXXX XXXX to find out who was responsible for the fraudulent purposes. When I asked XXXXXX/XX/XXXX XXXX from XXXX XXXX why Chase had not taken any steps, he couldn't give me an answer. When I asked him why the initial representative that I spoke to on XX/XX/XXXX didn't advise me to call the police, he said that such a recommendation would sound " accusatory. '' In my opinion, this failure of Chase XXXX 's to make any attempt to alert the police or the involved merchants of fraud, and Chase 's failure to advise me to call the police, is enabling criminals to operate with relative impunity. If I thought for a moment that Chase would take zero action to help the police protect us from criminals, I would have called immediately. They are a huge corporation with access to all kinds of information and businesses world-wide. Why do they think they have no obligation to use their resources to protect customers and businesses?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

The unfavorable rating on my account is a source of serious alarm. I'm gravely concerned about its impact on my creditworthiness. This negative mark has already resulted in the rejection of a recent loan application and higher interest rates on my existing credit accounts. The financial strain and emotional burden this adverse rating has imposed, and will continue to inflict until resolved, are substantial.