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

AS OF XX/XX/ I have noticed XXXX XXXX CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now IT HAS BEEN MONTHS NO RESPONSE RESPONSE DISPUTE 15 U.S. C ode 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
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 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against PayPal concerning the unjust restriction of my account and the subsequent freezing of funds.On XX/XX/23, I received an email notification from PayPal stating that my account had been restricted due to alleged violations of their policies. According to their communication, these accusations include Violating terms of agreement. I would like to emphasize that I strongly believe these accusations are false and without merit. 

As a responsible PayPal user for 1 year, I have consistently adhered to their terms and policies, and I have never encountered any previous issues or violations. The sudden and unjust restriction of my account has left me perplexed and distressed. 

Furthermore, the restriction of my account has led to the freezing of {$600.00} dollars, a significant portion of which is vital for my financial well-being. I am currently facing unemployment, and the availability of these funds is crucial for navigating through this challenging period.
Product: Debt collection

Dear Portfolio Recovery Associates , LLC I'm in possession of the papers you sent out and I received them on Monday XX/XX/2022. Account number, ( XXXX ). This information is unresponsive to my demand. I demanded proof that I owe you this debt. This is not proof that I owe you this debt. In fact, these papers have no original signature from you, no original signature from the original creditor, or my original signature. The name spelling is incorrect as well on every single piece of paperwork you sent me, therefore being a false representation according to 15 U.S.C 1692e. Please provide me actual verified proof that I owe you this debt before continuing collection activities, otherwise remove this account from my credit report.

Also, in your response letter you stated you may contact me directly or through an affiliate or third party. That also is in violation of 15 U.S.C 1692-1692p Sec 806.
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report 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 XXXXXX/XX/XXXX The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation
Product: Checking or savings account

On XXXX XXXX I received checks from what I later learned was someone impersonating a person representing a foreign production company. I deposited the checks and because I was wary of them, asked the bank if they checked them. I was told a check was made that it was an account and that there was money. So when I saw the money available in my account I used it at the instructions of the supposed company that had sent it. Then on XX/XX/XXXX, I had suspicions about the company. I went to the police, who said until there was an actual crime they could not do anything. I tried calling Wells Fargo and XXXX XXXX is where I was instructed to send some funds. Neguard to bad checkseither bank had much interest in doing anything about my complaint yet. Then on XX/XX/XXXX the money was taken out of my accounts because the checks were bad. I went to a Wells Fargo branch- I was out of town working- to try and find out what I can do. The branch told me they don't actually check on the checks as they are deposited. So because I have a good account, they show the money in my account knowing they can take it back if it's bad. Using the customer as safeguard.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Consumer Loan

I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this XXXX XXXX XXXX hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.
Product: Debt collection

XX/XX/XXXX, my wife XXXX XXXX XXXX needed money to return to school ( University of XXXX XXXX, XXXX ) in order to complete her study and obtain her degree of XXXX in XXXX with concentration in XXXX. I decided to take a Loan from Cashcall of average {$2600.00} in order to pay for all my wife 's school expenses. 
After receiving our XX/XX/XXXX taxes return, I decided on XXXX/XXXX/XXXX to fully paid off the Cashcall loan that with the amount of {$2700.00}. 

IF Cashcall need furthers information they must contact XXXX XXXX to enquire about that issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, Transunion, XXXX or XXXX. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On XXXX! 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME, NEVER LATE as they should be as I was NEVER Lat
Product: Credit card or prepaid card

This has to do with pay pal and started way back in 2014. While moving from place to place personal information was collected by individuals that were helping out until a place could be found to live. This put private information at mercy of the home owner by means of controlling the US mail and as well communication via the internet. After leaving said residence the homeowner or main occupant still has the mail and keeps for self or does right thing and hands over even after change of address, which can be stopped by homeowner by accessing mail of said victim. With that said the homeowner now has access to bank accounts and debit cards and financial institutions of said victim and all is exposed leaving victim helpless and now bullied harassed and helpless. Any complaints made to banks or credit card companies PayPal XXXX and on and on are pushed away and not addressed because said homeowner has taken over identity. Homeowner is said to be the perp of an XXXXXXXX XXXX XXXX by XXXXXXXX in a different state that has not been convicted due to the reason of running. So this homeowner has been using said victim for many years and taken everything from said victim XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. So many business here and many people involved.
Product: Credit reporting or other personal consumer reports

I recently reviewd a copy of my credit report and noticed i had a fradulent account onmy report. Please remove these maccounts from my report they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I got this credit card about a year ago, and was not educated on credit. I called Bank of America to see if we could work something out but they have just increased how much I owe & shut the card down. Im a student and I cant afford this honestly, and its just tanking my credit. I didnt even know that it was happening until I downloaded XXXX XXXX and it showed on there that my credit was so bad. I owe {$680.00} on it and I dont even think I spent {$500.00}. Its just been interest racking up. I hope you can help!
Product: Prepaid card

I am a member of a RushCard company for the last 10 years and my deposit was set up to go onto my card on XXXX XXXX, 2015 it was never posted I called customer service several times with empty promises of it being on my account never happened I have my XXXX Number as well as the account number from my payroll analyst going into my account and we have also done a trace and it shows it was excepted by Rushcard they are claiming they have never received anything although they have on the same day for the last 10 years from the same company
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello last month I recently submitted a dispute with Transunion regarding a XXXX XXXX account that was fraudulent open in my name. I have contacted XXXX and the debt collector numerous times with this fraud matter and nothing has been resolved. Transunion decision was that the information was accurate and refused to remove this fraud from my credit report. XXXX has removed it but Transunion declined. I want this to be reinvestigated by Transunion moving forward. I have placed fraud alert on both Transunion and XXXX and XXXX since the pandemic began.. So the system has failed me. And now its stuck on my credit report.
Product: Mortgage

In late XX/XX/2017 I applied for a Reverse Mortgage. Everything went smoothly, counseling, in-home Mortgage Review, etc., until the Appraiser took note of the power lines running beside my property. Photo Attached. They wanted a letter from XXXX XXXX XXXX XXXX of the lines stating they were safe and were not a danger. XXXX letter attached. 

I spoke with a different Lender and they provided the actual Underwriting verbiage that pertains to the lines. 

" If the dwelling or related property improvements are located within the XXXX area, the Mortgagee must obtain a certification from the appropriate utility company or local regulatory agency stating that the relationship between the improvements and Local Distribution Lines conforms to local standards and is safe. '' These transmission lines have been here for over 50 years and run thru densely populated areas. I am sure all of the homes were financed. 

After a long silence from the Lender I received a form letter stating insufficient collateral. Copy attached. My home is paid for? 

I have talked with Local, State, and Federal Utility Regulators and no one can understand the reason for denial.
Product: Debt collection

I have paid this debt with XXXX when I had an account with them. I never received an initial contact letter with CCS Collections and when I called them I could not get a hold of anyone to talk to. I disputed the debt on my credit report, but they began credit reporting without my ever having an opportunity to ever dispute the debt or show them that I paid this debt with XXXX. They need to remove the tradeline from my credit report immediately. I can not get a hold of anyone at the company to even explain my situation. I have mailed a dispute letter, but I literally have no way to communicate with them. This is nefarious and completely deceptive. How do you even dispute a debt is invalid if you can't talk to a human being when you call the company?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have 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: Mortgage

Newrez needs to send me a statement showing XXXX as a balance so that I can provide that to CA Mortgage relief.
Product: Debt collection

Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear XXXX Funding, XXXX XXXX XXXX I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in XXXX 

After a thorough investigation and consultation with legal advisors, it has come to my attention that XXXX XXXX, XXXX XXXX has XXXX in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of XXXX Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of XXXX XXXX XXXX ( XXXX ), Chapter 427.104 : {$1000.00} Violation of XXXX  Statue Chapter, 427.105 : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I requested that Experian conduct an investigation into the false reporting being Done by my mortgage holder, XXXX XXXX. XXXX XXXX had been falsely reporting to Experian, that beginning in XXXX of XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If XXXX had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that XXXX had been misapplying the payments to another mortgage account I held. XXXX did not have a proper accounting and servicing system that would and should have prevented XXXX from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time XXXX serviced both loans. 

Instead, Experian simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from XXXX. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused XXXX to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of XXXX, its predecessor. Experian violated its investigatory responsibilities of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Chapter XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and TransUnion ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint on the debt collected XXXX XXXX for trying to collect a debt that was fraud and not my account. I also filed a police report with my police department. I have proof of documents. The account was deleted from my XXXX report but trans union is still reporting. This is not my account.