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

FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S.

Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EXPERIAN credit report : FRAUDULENT ACCOUNT : XXXX XXXX  ; XXXX, {$2900.00}, this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights by BEING REMOVED AND PUT BACK ON MY CREDIT REPORT under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above.

According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has accounts listed
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding fraudulent activity that occurred within my PayPal account, which has led to an unwarranted delinquency and collections issue. 

A scammer gained unauthorized access to my PayPal account and transferred funds from my business accounts into their own, using their own banking information within my account. Once I became aware of this fraudulent activity, I promptly took action to stop it. However, despite my intervention, PayPal has now placed my account into delinquency for over {$400.00} due to the scammer 's dealings and has referred my account to collections. 

This situation is not the result of my actions but rather of a scammer who infiltrated my account. I am seeking assistance to have the delinquency and collections issue removed from my record and for PayPal to correct this error. 

Now they have locked me out of my account. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XXXX/XXXX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which it was due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I have a credit freeze on my account and when I did pull it off the creditors pulled XXXX instead of TransUnion. These XXXX items I never applied for and the XXXX XXXX and XXXX was removed and reinserted. Even on my XXXX XXXX my credit is important to me. 
1.XXXX XXXX-XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX 6XXXX XXXX XXXX 7.XXXX XXXX
Product: Credit card or prepaid card

This has been going on for almost a month now, I have been dealing with my vanilla they froze my account in XXXX and will not release my funds back to me, I sent the verification email to XXXX 3 days ago and still they say they have not gotten it, this was on XX/XX/2020 and I need my funds loaded back to my card immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, XXXX  and Experian credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Product: Credit card

Back in 2005 I was given an XXXX credit card. The total amount available on the card was about {$500.00}, if I 'm not mistaken. Anyway ... after the housing market crash I had been paying my credit card bills on time but evidently the bank decided to close out my account and left me hanging there with about five hundred owed. For years I would get calls from collection companies trying to settle the debt. It never got paid and now I 'm XXXX years old, no job and only have social security as my income. I have no property, no big bank accounts and nothing anyone can slap a lien on. Portfolio has been the main company trying to collect from me for many years now. About two years ago I told them just what I told you folks about my financial situation. They refused to stop contacting me. For many years they have called me almost every single day and sometimes twice a day to the point that I just do n't answer their phone calls any more. At this point I want them to stop contacting me. Enough is enough. Can anyone from CFPB report these folks and their unfair business practices?
Product: Debt collection

RECIEVED PHOHE CALL XXXX XX/XX/2019 XXXX  SPEAKING CALLED BACK COLLECTION NUMBER CANT GET THROUGH LOOKED NUMBER UP XXXX COLLECTION SEQUOIA FINANCIAL SVCS. I DONT OWE THEM ANYTHING I BELIEVE THIS TO BE FRAUD.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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/updated. 

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.

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!
Product: Credit reporting or other personal consumer reports

I do not recognize any of the reporting charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute with Experian to correct information on my credit report. Those items are included in a screen shot I took of my Experian account. 

For starters, the dispute results were complete at XXXX, when Experian isn't open, which clearly means my dispute was sent overseas and not actually looked into. It was reduced to a code, sent through e-OSCAR, and returned from some source without actually being fairly adjudicated. 

Secondly, the bankruptcy came back as " verified with the source who provided the information ''. This is untrue as the U.S. Bankruptcy court DOES NOT supply or verify information with credit bureaus ; this is clear written on their website and was verified when I called my local Bankruptcy court in Indianapolis. As the U.S. Bankruptcy court has been placed on my report, they would need to verify my identity ; since they do not furnish data, they could not have verified the credit item. Therefore, it must be deleted. 

Finally, instead of deleting my XXXX XXXX Account, XXXX, they reclassified the account as a " personal loan '', which XXXX XXXX is an online store and not a lending institution.
Product: Mortgage

I have requested to have the PMI insirance taken off my mortgage several times based on current property values in my area. Wells Fargo has been no help and XXXX XXXX has been no help. They want to charge me a large fee of {$550.00} to even consider this. That is nit right I know the value of properties in the area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a late on XX/XX/20 and it is inaccurate. I recently checked my credit file and noticed that this late was reporting. I had set up skip a payment with Bank of America and they said that no late would report. However, I assume the representative didn't set it up correctly and it reported a late. I was never late, this is not my error. Please remove the late notation from my credit file.
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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX 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

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

15USC 1681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.

15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15USC 1666 B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two rounds of dispute letters to XXXX, XXXX, and Equifax on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that XXXX remove inquiries from Bank XXXX XXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.
Product: Prepaid card

I have an account with rush card prepaid, my payroll check goes direct deposit to my rush card, I was suppose to get my money today XXXX/XXXX/15, and come to find out that rush card company has been holding their customers money, due to a glitch in their system that has been ongoing now for 12 days and we are in hardship right now due to this issue. I have been calling their customer service number and they hang up, I am so frustrated, they do n't answer to give us any information on when I am able to get my money, please help me, I am so desperate I have XXXX children, and I have no food and my light is about to be turned off because I cant pay because rush card is holding my money.
Product: Credit card or prepaid card

As of XX/XX/XXXX, Had balance of {$110.00} with TD Bank. My husband had XXXX and opened account in my name over the phone without my knowledge. They added late charges and the total is now {$210.00}. In XX/XX/XXXX, I spoke to bank and told them they should not be opening accounts over the phone. They stated my name was on the account and I had to pay it. My husband XXXX XXXX in XX/XX/XXXX and I feel I am not responsible for this debt. They call me three times every day, sent me four letter demanding payment.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i have inquiries from these company, these inquiries not is mine, not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  de XXXX XXXX
Product: Credit card

This reporting is FRAUDULENT I have NEVER paid this account late. Payments have always been on time yet they reported that it was paid late which has negatively affected my credit. 
I was in the process of qualifying to purchase a home and my score dropped over XXXX points because Capital One reported that I was 90 days late. I paid this account off in full XX/XX/XXXX. The statement closes on XX/XX/XXXX so on the statement date there was a XXXX balance. However XXXX I was billed XXXX for interest charges that I was not aware of on a closed account. Capital one continued to bill my account late fees and other fees which they are asserting I owe which I did not agree to nor was made aware of. I do not owe Capital one any money on this account which was closed by them. They are keeping this account open for their own predatory benefit. I have disputed these late payments SEVERAL times and each time nothing has been done. I am officially fed up and will pursue legal action if not rectified and corrected immediately. I demand for this matter to be addressed to the fullest and late payments UPDATED to current and never late as well as the balance zero out as it should have been when final payment was made in XXXX. I have attached all statements showing proof of payments and their date. 

The following dates are reported erroneously as late when they were in fact paid on time : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current status is erroneously reported as XXXX days late-NEVER PAID LATE Current balance is erroneously reported as $ XXXX BALANCE PAID ON XX/XX/XXXX Based on their own website if a balance is paid in full every month interest would not be charged. XXXX XXXX XXXX Last person I spoke to was Collections Supervisor : XXXX XXXXXXXX XXXX XXXX, located in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXXXXXXXXXX XXXX - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account # XXXX, Dept of Ed/XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Ed/XXXX  account # XXXX XXXX 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 a account without written instructions.
Product: Credit card or prepaid card

For as Long as I have had this card, we have paid the payment into payments, one for the minimum and the other for the balance. They are paid within 24 hours of each other and for each month we have had no issues with interest charge in XXXX and XXXX the interest charge was charged to the account because the second payment for whatever reason on their side was delayed and we accrued close to {$300.00} of interest. I called Wells Fargo and they said that they could only reimburse {$50.00} of the interest because thats all their system would let them reimburse but they acknowledged that the problem. Was recent and that it shouldnt have occurred I would like to have the full interest for the XXXX and XXXX payment be reimbursed when I talk to Wells Fargo on the phone I escalated to it to their next level and they also said thats all they could do is chart is reimburse only {$50.00} of the amount. now knowing there is a lag in the second payment, I have taken care of it on my side but I would like for them to reimburse all the interest that was accrued in the XXXX and XXXX payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent unauthorized inquiries that are reported on my credit report.
Product: Money transfer, virtual currency, or money service

I purchased items from XXXX using Afterpay as my payment method. I returned the merchandise over a month ago and Afterpay is still holding on to my money.
Product: Debt collection

i recently sent a letter to the LVNV FUNDING LLC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX  XXXXXXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 17 closed accounts with XXXX XXXX that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.