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

I have attempted on several occasions to have a credit freeze lifted by Equifax. I do not recall placing a freeze, but apparently there is one, which I was informed of by a mortgage company. I have made several attempts online, as well as calling customer service to lift the freeze. Due to the huge data breach Equifax suffered and caused harm to so many, I do not trust them. I have been told by three separate representatives that I would need to fax a copy of the front and back of my license as well as my social security card in order for the freeze to be lifted. I do not trust to send this information considering when I call it seems I am reaching someone in another country and Equifax has proven they can not be trusted. I do not know what other avenues to take in regards to this matter. I have already verified all of my personal information over the phone several times with no avail. I am unsure where to turn and I don't think Equifax should be in a position to ask you to send such sensitive information to someone that honestly I don't know who is getting it and they have proven they are not to be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX Account # XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to XXXX XXXX. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. i request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 
ACCOUNT XXXX. XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received statements from The Swiss Colony company for the amount of {$60.00}. 
I never made a request to purchase ANYTHING from The Swiss Company. On Saturday XX/XX/2021 I called the company and explained. The Customer Service Rep told me he was going to close the account at my request and will waive any debt, because it was fraudulent. Today, I call to speak to a Supervisor because I received a threatening letter that stays the account will be send to collections. The Customer Service told me the account was still open and no credit was issued. This company is fraudulent and with this tactics they are threatening my livelihood and credit. 

The account was opened under " XXXX XXXX '' which is not my legal name. 

I demand they close the account immediately and waive all fees because I never ordered anything from their catalogue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

**Subject : ** Request for Removal of Inaccurate Collection Entry Dear Equifax I am writing to formally dispute the reporting of a collection account on my credit report, as it contains inaccurate information. The collection account in question, reported by [ Debt Collector Name ], is associated with [ Original Creditor Name ] and is listed under account number [ Account Number ].

This debt was fully paid directly to the original creditor on [ Date of Payment ], as evidenced by the attached documentation, which includes [ e.g., proof of payment, receipt, or statement from the original creditor ]. Despite the settlement of this debt, [ Debt Collector Name ] continues to report the account inaccurately to your bureau. This action violates several consumer protection laws : 1. **Fair Credit Reporting Act ( FCRA ) ** : Under the FCRA ( 15 U.S. Code 1681 ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting a collection account as unpaid when it has been satisfied with the original creditor is inaccurate and misleading. 

2. **Fair Debt Collection Practices Act ( FDCPA ) ** : The FDCPA ( 15 U.S. Code 1692e ) prohibits debt collectors from engaging in deceptive or misleading practices. Continuing to verify or report a debt that has already been paid to the original creditor violates these provisions.

I request that your bureau conduct a prompt investigation under your obligations outlined in the FCRA ( 15 U.S. Code 1681i ) and remove this erroneous collection entry from my credit report. 

Please find the following enclosed for your reference : - Proof of payment made to the original creditor. 
- A copy of my credit report highlighting the inaccurate collection entry. 

If this collection is not removed, I will be left with no choice but to escalate this matter. I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies to enforce my rights under federal law.

Please provide me with written confirmation once this matter has been resolved and the inaccurate entry has been removed.

Thank you for your immediate attention to this matter.

Sincerely, [ Your Name ] **Enclosures** : - Proof of Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I previously had, has been charged off. By XXXX The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CASTLE CREDIT, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!
Product: Credit reporting or other personal consumer reports

Company violated U.S.C 15 usc 1681 c-2.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed on my account by mistake and I would like to appeal this decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always adhered to the terms and conditions set forth by PayPal and have conducted my transactions in a lawful and ethical manner. Therefore, I am confident that there has been an error in the assessment of my account. 

I kindly request PayPal to re-investigate my case thoroughly and consider lifting the permanent limitation on my account. I believe that a careful review of my account activity will reveal that I have been a responsible and compliant user. 

For your reference, the email address associated with my PayPal account is XXXX. I would greatly appreciate it if you could provide updates on the progress of the investigation and any actions taken. 

I trust that PayPal will take my appeal seriously and give it the attention it deserves. I hope that you will reach a fair and just conclusion, recognizing that I have not violated any PayPal policies. Restoring my account would greatly alleviate the inconvenience and distress caused by this limitation. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and the reinstatement of my PayPal account. 

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

My account with ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXF ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts above listed has violated my rights. 
XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Accounts above listed 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late remarks are not consistent among the reporting bureaus. Also the date of last active is not consistent too.
Product: Credit reporting

I was working with a mortgage lender to apply for a home loan. When my credit was pulled it showed another social security number that does not belong to me. I have asked the credit bureaus to remove the SSN from my credit report but they keep asking for the same documentation. I am unable to provide a social security number I have provided them my Individual Taxpayer Identification Number along with my tax returns, utility bills and my translated birth certificate. I would greatly appreciate your assistance to help me resolve this issue. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was scammed by a person from XXXX for a digital asset. Upon paying the user, she stated that the payment was pending which isnt true because it left my bank account. Upon requesting my {$100.00} back, she blocked me on the platform making me unable to obtain the assets that I paid for. 

The platform the conversation is on is XXXX XXXX XXXX XXXX XXXX XXXX and the money was sent via Paypal ( Transaction ID : ) I reached out to paypal, and they stated that they were unable to open a dispute because she forced me to send it friends and family.
Product: Money transfer, virtual currency, or money service

I'm using cash app to send out and receive money and I'm also using these the XXXX also, been using cash app for awhile for some reason they closed my accounts recently at the end of XXXX or the begining of XXXX of XXXX. I keep writing and writing and called them like once or twice to find out why was my account close and they seem like they have no answer, on the phone they said there was no explanation to the closure of my accounts and I personally wan na know why. they keep giving the same old answer. can someone help on this issue. I've been having problems or trouble with cash app from the beginning of this year. I honestly don't understand what I did wrong when i all I was doing was receiving payment sending payments and using the XXXX  on cashapp. thank you.
Product: Student loan

I have been placed on REPAY, and was informed that when I made a good faith payment that it had taken care of my payment in order to get my loans in a better payment option. I have been informed by Fedloan ( PHEAA ) now that I have to make another payment of the same amount because my " good faith '' payment that was already made was satisfying the month previous to the payment, even though I was on a forbearance. This is not the first time that FedLoan has mistakenly informed me of regulations in regards to my loan repayment options. I am not sure that I will actually be forgiven at the end of the PSLF because it seems that they are n't sure of what their supposed to be doing.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX my identity was stolen. Pulled credit reports on XX/XX/XXXX and saw Ace Cash Express had done inquiry and after reviewing my XXXX XXXX report saw actual payday loan was opened for {$330.00}. My credit reports had incorrect information including telephone numbers and employer. Filed reports with FTC and law enforcement. Contacted ACE and they would not discuss with me because I said it was a fraudulent account. On XXXX provided them with report from law enforcement, FTC report, proof of employer, and documentation that checking account funds were deposited in was fraudulent and closed by XXXX XXXX. Information was sent via internet several times ( as instructed to XXXX and USPS certified mail. Also provided email address and telephone numbers that were used to open XXXX XXXX accounts, which are also not mine. 

Made several attempts to find out if information received or other information needed. When I call I'm told to send email, send email told to call. At no did I or do I have a business relationship with Ace Cash Express. Further details can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a few accounts on my Experian credit report that were not reporting accurate information. I sent two letters ( one on XXXX and another on XXXX ) asking for verification and the method of verification used as the information that was reported was not correct. They have not sent any validation other than telling me that my information has been " updated ''.
Product: Debt collection

I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated XXXX XXXX, XXXX