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

in accordance with the fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with The Fair Credit Reporting Act.
Product: Mortgage

Shellpoint has reported my account 30 days late I made my payment on the XXXX of this month my account is not past due at all
Product: Checking or savings account

I filed a dispute on or around the last week of XXXX.Sent in all the documents that show when my transactions were made and funds taken from my Account.PNC emailed me requesting me call and I did. I received no answer and no return call or email from anyone.This has been going on for over a week and I havent been able to contact anyone from the bank about any other problems i only received communication when they were taking money from my account unauthorized
Product: Money transfer, virtual currency, or money service

I sent a paper check for my monthly mortgage payment of {$2800.00} to my mortgage company. Unfortunately, this check appears to have been intercepted during transit and fraudulently cashed by an unknown individual at XX/XX/XXXXXXXX XXXX. I promptly reported the incident as a fraudulent transaction to Capital One. However, despite more than three months having passed, I have yet to receive any substantive update or resolution regarding my case, XXXX. 

I am deeply concerned about the delay and the potential financial impact this fraudulent activity may have on my mortgage account. I respectfully request an immediate investigation, a detailed update on the status of my claim, and a prompt resolution that includes reimbursement of the lost funds. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report ONEMAIN ( Finance )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand  for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I opened Case XXXX with Paypal to report unauthorized transactions on my Paypal account. All transactions identified in Case XXXX occurred in the past 40 days. It is important to note that I have two Paypal accounts and they have both been compromised. Both of my Paypal accounts show a long history of unauthorized transactions which I have tried to identify and report to Paypal also on XX/XX/2024. Although I opened two other Cases to report the older unauthorized transactions to Paypal, I understand that they are not obligated to investigate unauthorized transactions that appear on statements issued 60 days or more from the date of the reporting.

Paypal claims that all transactions on my accounts have been authorized, the ones that have occurred in the past 40 days and the older transactions. They have not requested any information from me and refuse to budge from their claim.

I have told Paypal multiple times that I have not made the transactions ; that I have not allowed anyone to make them on my behalf ; that I did not give anybody my login information or access to my accounts, and that the transactions must have been done fraudulently.

Paypal has not asked me to provide any information. They closed XXXX XXXX on the same day that I reported the issue and just keep parroting that they have found no evidence of unauthorized use or access of my Paypal account and that the transactions from Case XXXX are consistent with the history of transactions on the same Paypal account. Anytime I bring up the issue of fraud, they completely gloss over it and just repeat the same lines about having found no evidence of unauthorized use or access of my Paypal account.

Paypal clearly does not want to seriously investigate the possibility of fraud. At the same time, they also restricted my accounts after I reported the unauthorized transactions. It has been more than 10 days since I reported the unauthorized transactions to Paypal, they have refused to investigate the fraud on my accounts and they seem to have also refused to refund me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report despite multiple attempts to have them removed. These inaccuracies pose a severe threat to my financial well-being and reputation and must be addressed immediately. 

Despite my repeated efforts to dispute these fraudulent items through various channels, including phone calls, written correspondence, and online dispute forms, they continue to appear on my credit report. These inaccuracies not only undermine my financial credibility but also expose me to potential identity theft and financial losses. 

I have provided supporting documentation to substantiate my claims of fraud. Furthermore, I have diligently followed all prescribed procedures outlined by the relevant credit reporting agencies, yet the fraudulent items persist. 

As the presence of these fraudulent items poses an imminent threat to my financial security, I hereby demand their immediate removal from my credit report. I expect your team to conduct a thorough investigation into the matter and take prompt corrective action to rectify this egregious error. 

Additionally, I urge your organization to implement enhanced security measures to prevent future occurrences of fraud and to provide transparent communication throughout the resolution process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3700.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing
Product: Checking or savings account

I spend six weeks on XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX 
by last or first days on XXXX open d an account.. 
Is about same XXXX # XXXX .last week I got a call from key Bank. ask first r details for the case. 
The first time I ask by email..bank mentioned on SUBJECT..write Case # XXXX These day I were there, a person were there too XXXX XXXX. phone # XXXX who I calld ask remains these days .he does, were agree I should ask for that account. 
any question you can contact him. 
XXXX XXXX
Product: Checking or savings account

Truist XXXX 2023 Small Business Checking Offer was supposed to pay out {$400.00} as a promotion when {$1500.00} worth of deposits were made. 

Truist customer service stated I was eligible and hit the promotion target but then got an automated email that I did not complete the requirements ( I did ). Customer service states there is nothing they can do. 

After walking through the terms with them, gaining alignment, and showing the transcript proof of customer service rep saying I was good to go, they still stated they could not do anything. I have photos of eligibility and proof that I hit the qualification criteria. They stated the terms said balance must be greater than {$0.00} however my terms ( see attached ) just stated the account could not be negative ( which it was not ). They recently added the new terms ( must have XXXX XXXX in the account ) after the fact when checking for completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Debt collection

I have been trying to contact them to offer to settle the debt for a lower offer but i have not gotten a reply
Product: Credit reporting or other personal consumer reports

hope this message finds you well. I am writing to formally request the removal of fraudulent information related to identity theft that continues to appear on my credit report, despite my repeated attempts to have it removed. I have contacted your office multiple times, submitted the necessary documentation, and followed all required procedures, but the fraudulent accounts and inquiries are still present. 
] These accounts were opened as a result of identity theft, and I have already reported them to the relevant authorities, including [ police report number or reference ]. I have also submitted all supporting documentation to your office, including proof of the fraudulent activity and my identity theft report. Despite this, these items have not been removed from my credit report, nor has any further action been taken. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information removed from my credit file. I kindly request that you immediately remove these fraudulent accounts and inquiries from my credit report to ensure the accuracy of my credit file. 

Please confirm receipt of this request and let me know the steps you will be taking to resolve this matter. If any further documentation or information is needed, please dont hesitate to reach out. 

Thank you for your prompt attention to this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, XXXX and Experian. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT
Product: Student loan

As there was no option to supplement a previous complaint, this is a follow-up to the previous complaint that I submitted about American Education Services, a student loan servicer in Pennsylvania. I again spoke with XXXX of their customer service representatives today and was again advised that they can not tell me or do not know who owns my loan. It is utterly irresponsible to allow servicers to call to collect on a loan without any information on who owns it. I have been told by this company that they have no options available to me regarding repayment, that I would need to speak with the loan owner, however they continually fail to provide that information. Private loan originators should be held to the same ( or more stringent ) standards as the XXXX. At a minimum, I should be able to find out who owns my loans, as this type of product is perpetually being sold and resold. This is a serious consumer protection issue when you are told that you must speak to the loan owner, yet restricted from obtaining the identity of such entity.
Product: Debt collection

The collector has not been able to properly identify with me through written communication the validity of this debt. In addition, attempts to collect this are invalid because this was sent over by a school Ive been to that incorrectly billed me instead of the XXXX amount I had. In addition, the creditor refuses to acknowledge any information I have sent to them regarding this matter and will only correspond via email. I have received no letters, mail, or calls from these people.
Product: Mortgage

Jpmorgan and, XXXX XXXX XXXX XXXX, partnership or trustee of XXXX XXXX XXXX XXXX, XXXX XXXX, home loans., XXXX XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX  XXXX ga. Ok jpmorgan Chase bank, did not give out notice on the sale deeds of these address .in XXXX and XXXX. Under XXXX  XXXX group. Mr XXXX XXXX XXXX been old owner of jpmorgan and XXXX XXXX XXXX XXXX, did not give all the heirs too the business a copy of deeds transfer ... also XXXX XXXX assert that he has bought his own property .Mr XXXX XXXX XXXX own and was a heir too these address in XXXX and XXXX. How did XXXX XXXX sell XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. His own property in XXXX. He already own it in XXXX and XXXX. Mr XXXX XXXX. Asserts also that. He is not been or work as the management or trustee Mr XXXX XXXX XXXX made him ether. So I want jpmorgan too get XXXX XXXX on the phone .too sign a letter of afiavdavit, it a pandamic out here and us the heirs too this huge companies are left for dead .not a word from the management or trustee yet .Mr XXXX XXXX XXXX been deceased sense XXXX .not a word from them yet. Need XXXX XXXX too sign this paper say he a be arrested if he is telling ly .he says y'all steel his I'd and he not doing trustee work on none of this and he didn't no he own the house he bought already back in XXXX for XXXX. So who is ly here. Let 's get the proff of who is lying. Here is XXXX XXXX phone number XXXX .leave a message if he don't answer XXXX ... .both his number. Ok ... A tax return want show u property in a trust and it operation agreement. Need a agent for this research ....
Product: Debt collection

XXXX  BALANCE : {$540.00} STATUS : DEROGATORY ACCOUNT # CAPIT-XXXX XXXX XXXX ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) BALANCE : {$540.00} STATUS : DEROGATORY ACCOUNT # XXXX To Whom It May Concern, I am writing to you in reference to the following : Account Name : XXXX/XXXX  Account Number : XXXX XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Account Name : XXXX  XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX/XXXX  Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX  XXXX  ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing the account paramount group for the last three years as fraudulent and to remove from my report XXXX has failed to properly investigate the accounts and each time it comes back as accurate Ive requested verification method And they refuse to disclose how the account is verified. Ive lost housing cars and banks because of the improper reporting of my credit report please delete XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXXXXXX XXXX dated 1XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX Balance : {$1600.00} CXXXX XXXX XXXXXXXX Balance : {$2400.00}