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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXK XXXX  XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple phone calls with equifax because they tell me there is no credit history for me. This is untrue as I have multiple credit accounts with various credit companies as well as student loans. At first they blamed it on the companies I have credit with and said they arent reporting. So I called them both and they said that they have been reporting since the opening of the account. So I called equifax back and they asked me to mail in a letter explaining the situation as well as proof of my identity, which I did months ago. The issue still exists where I have no credit report or score with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX NA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NA # XXXX, XXXX XXXX XXXX  NA # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an open account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX XXXX Fair Credit Reporting Act 15 USC 1681 section 602
Product: Debt collection

I have disputed my debt collection with the credit bureaus several times and the information continues to come back verified. I do not believe that they are completing a full investigation on my accounts. I do not have any knowledge of this debt. The negative item does not meet the FCRA reporting requirements. I do not recognize how and why this information is reporting and must be deleted immediately. This is in violation of FCRA laws ( 15 USC 1681b ), ( 18 USC 894 ), and ( 18 USC 1028A ). Please verify and provide that I have an agreement contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please provide information for the process that you used to complete an investigation regarding my previous dispute.
Product: Checking or savings account

I had initially called Citibank on XX/XX/XXXX to obtain my account number and routing number in order to make my car payment through a different bank. After the representative gave me the information, I called the other bank to make my payment. Thirty days later, I received a notice that my payment did not go through, so I called the other bank again to make the payment for the past two months ( the current month and the one from the previous month ). Thirty days later, I received an email from the credit union that my credit score had dropped XXXX points. I immediately called the other bank, and they told me that the account or routing number I have previously provided was incorrect, and that in order to repair my credit, Id need to send a letter from Citibank, stating that I was provided with incorrect information. I called Citibank, and they provided me with the correct number, so I knew the representative who I previously spoke to gave me the wrong account number. I spoke to supervisor, XXXX, and was on the line for 45 minutes. She got all of the information she needed from me, and told me that it was approved for the letter to be overnighted to me, and Id be receiving it the next day. The letter never arrived. I called back and spoke to another supervisor, and he told me that I was provided with misinformation, and the letter was rejected by another department and to try calling my local branch to have it sent. I called my local branch and the branch manager said that since the issue was through customer service, it had to be done through them. The supervisor at Citibank was passing the baton. I have called Citibank at least five times after that, and was told that a manager would follow up with me, but I never received any update. I was told they needed to review calls, but nothing was done. The final time I called, I was told to wait until today ( XX/XX/XXXX ), and theyd have an update for me. I called for the last time, and apparently, there were no notes on my account from any of my previous calls. Citibank supervisors are no doing as they say they are, as so many promises were made, but none of those promises were kept. They are liars, and need to be reported. It is a shame that they treat long time clients this way. Because of them, my credit is ruined, and they did absolutely nothing to help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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 had a problem with XXXX XXXX for denying me for getting a second pledge loan in my name. Now my credit score dropped for inaccurate credit reporting.
Product: Credit card or prepaid card

Incorrect Information, Dates, Amounts, and Address, Payments
Product: Money transfer, virtual currency, or money service

This is a recurring issue where Paypal freezes the funds of a seller on XXXX  months after a sale and shipment. They claim the buyer has opened an unauthorized transaction complaint. Such a complaint is solely between the buyer and Paypal around the security of the Paypal account. It does not involve the seller as the seller ships an item when Paypal instructs them to. Paypal should not involve the seller when a completed shipment is evident. The seller should not lose money or have it frozen. 

Paypal engages in aiding and abetting its customers in perpetrating fraudulent transactions against sellers of goods on XXXX  and illegally seizing funds from sellers. 

I sold an item to XXXX XXXX of XXXX FL on XXXX  in late XXXX. They made their payment to me via Paypal. On XX/XX/XXXX, Paypal sent me an email saying the buyer claims the item purchase was not authorized by them. Paypal wanted me to provide them tracking information of the item, even though they have always possessed this information since the time of shipment, and i can see it on their site. Additionally the buyer should have made such a claim through ebay if their claim is legitimate, which is what paypal 's own process says to do for ebay purchases. But Paypal allows its customers to not follow the documented process. And they ask the seller for data they already possess and display. If the seller fails to respond, they lose the money automatically, even if they believe the issue is already addressed by the fact paypal already has the data. 

Paypal has seized my funds even though the item is shown as being delivered, and Paypal and ebay both originally advised me of the sale and where and to whom I was to ship to, which means it was authorized. Paypal already has all the info they request from me and can remove me from the matter, though I never should have been a party in the " dispute ''. However, they have a process in place where i would lose the money if I had failed to " respond ''. Government needs to stop this process which has many sellers have money stolen from them by paypal in conjunction with buyers committing fraud. 

I have a lot more to add to this complaint, but the form to submit only allows so many characters. Please reach out to me for more information, as this is absolutely a process that Paypal uses to assist buyers in defrauding sellers, and has refused to change their process. I have had this happen before with paypal. 

Paypal Case ID XXXX Original transaction ID XXXX
Product: Debt collection

Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.
Product: Debt collection

XXXX has been my carrier for over 7 years this is not my account and seems XXXX has falsely account in my name.
Product: Debt collection

Mercantile Adjustment Bureau has reported a {$680.00} debt on my credit report that I do not owe to them.

I have never had any business dealings with Mercantile Adjustment Bureau. 

I have never purchased any goods or service, whether on cash or credit from Merchantile Adjustment Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax 's website, my information, including SSN, DoB, Address, etc., were stolen from the data breach.
Product: Credit reporting or other personal consumer reports

In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / XXXX accounts Closed on XX/XX/XXXX  has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts
Product: Mortgage

My mortgage company ( The Money Source ) did not pay my  homeowners insurance to XXXX ( insurance company ). I spoke to someone in the insurance department of The Money Source who assured me the mistake was resolved. My insurance company, XXXX shows no record of ever receiving payment. 

Loan number- XXXX Homeowners policy number- XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE IS OPENING ACCOUNTS IN MY NAME IN A FRAUDULENT MANNER
Product: Debt collection

In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its role in reporting a collection account attributed to XXXX XXXX XXXX on my credit report. This action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC Code 1692b, which regulates the acquisition of location information. 

I vehemently deny providing any authorization for XXXX XXXX XXXX or any other entity to obtain my location information from third parties. Therefore, the appearance of this collection account on my credit report is not only erroneous but also a clear violation of my rights under federal law. 

Experian 's negligence in ensuring the accuracy of the information it reports has severely impacted my financial standing and caused undue distress.
Product: Checking or savings account

I got an app on XXXX XXXX  called XXXX on XX/XX/20. XXXX  disputes ( in my behalf ) unnecessary charges from your bank {$850.00} with Chase bank in one year. XXXX  filed reversals thru my bank of bills that were paid this month {$340.00} roughly. I've tried to get thru to Chase '' s dispute dept to no avail. Waited on hold 2 hrs got hung up on ( one occasion ) I've tried to get thru many times. My credit score dropped 41 pts in 24 hours. Please help idk what to do.I have gotten threatening phone calls and texts from XXXX. XXXX
Product: Debt collection

I have received numerous calls from Spring Oaks Capital over the past two years for a debt they have reported to my credit. In an attempt to get the credit reporting removed, I have made several attempts to settle this matter. Spring Oaks has repeatedly offered one settlement amount and when I attempt to pay they increase the amount due by {$700.00} or more. These tactics are not legal. I have already paid over {$1500.00} to Spring Oaks and I am taking steps to get this illegal reporting removed and do not and have never given Spring Oaks permission to access my personal information.
Product: Checking or savings account

2 fraudulent accounts were opened under my name at BB & T Bank in XXXX. 2021 ... I called them & told them that it was not me and to close the accounts...... i have been told on many occasions that they will do it ... ... 10 months later & still getting statements... ..2 months ago they opened a business account...... now they opened a savings account and that they will now be called TRUIST bank ... ... it is almost impossible to talk to a live person ... ... ... .this am i was on hold for 1.5 hours
Product: Checking or savings account

Today we noticed a charge on our XXXX XXXX  XXXX checking account dated XX/XX/19 to Paypal Inst Xfer Web for {$24.00} with no further explanation. I have contacted Paypal where for an additional charge of {$42.00} they said they may be able to help!! 
We do not have a Paypal account and have refused all their efforts to open one. For online purchases we use XXXX and Visa only. 
How did Paypal get our check account number? 
This is a fraudulent charge which we have not authorized and dont even know what its for. 
Please help us reverse the charge and stop it happening again. 
Thanks, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter stating to update my name with the Experian credit reporting bureau and they still got it wrong my name is still spelled incorrectly, I requested that all old address that are not deliverable to me to be removed as well and they failed to do so, I sent over proper supporting documents as well such as Id Ssn card etc
Product: Credit card or prepaid card

In XXXX, I couldn't get into my account ( venmo ) the phone number had been changed. When getting ahold of an agent, I tried to change my number explained I didn't recognize the number but I could not, I only had a voip number. After about 2 weeks and a couple other numbers I still wasn't able to change it. I noticed a few instantant transfers, to a card I don't recognize. Made a dispute explained how they left my account compromised due to someone's number being on my account. I won the dispute, they asked me to verify my info, remove remembered devices which there were several, change password, send in ID with selfie, and my account would be restored next day. The next day I get a email saying my account has been deactivated, and frozen 180 days. After winning the dispute and telling me it would be available the next day.
Product: Debt collection

I have disputed this debt several Times with XXXX  but the company still has not provided accurate proof of debt to me. This is over 10 years old and she be off my credit. They keep adding it to my credit as if its new.
Product: Credit reporting or other personal consumer reports

I need for Equifax to delete the following accounts for inaccuracy because the Date Last Active is Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax has XXXX XXXX, and XXXX has XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not have this account on my credit report. Equifax has XX/XX/2021, XXXX does not have this account on my credit report. Please delete these accounts and mail me a corrected copy of my credit report.
Product: Debt collection

I'm XXXX XXXX, please help with the following concern. 
I have received a letter from ARSTRAT, it says that it is a debt collector for debt to XXXX XXXX of XX/XX/2021 : it is wrong and does not belong to me. The XXXX XXXX company has never sent me notification by email or mail. However, upon receiving this letter, as an immediate response, I have reviewed my health plan account along with the XXXX XXXX account and everything is in order even the 2021 bills for that certain date. 
Information inside letter From XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX  Reference XXXX Letter XXXX Creditor acciunt number XXXX As of XX/XX/2021 Total amount of the debt : {$21.00}
Product: Bank account or service

I have been a customer of Wells Fargo for over 15 years. Wells Fargo has consistently approved debit card transactions and transfers on my account and then charged me overdraft fees after the fact. This is not a one or two-time occurrence ; it happens consistently. They will make sure to process transactions in an order that assures that you will get charged as many overdraft fees as possible.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge. 

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX