23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I paid money to PayPal for a purchase from XXXX ... .I paid from my XXXX  on line account ... I did this on XX/XX/XXXX ... .PayPal sent me an email that I did not pay and that it was due ... .so I sent another payment to them on XX/XX/XXXX for the same amount ... both amounts were deducted from my account ... .I have requested the over payment to be sent back to me ... and I get the run around and lies and automated results that absolutely do not help ... I have talked to supervisors who promise to call me back ... but nothing happens ... for some reason one of the payments went to PayPal credit where I do NOT have an account and they do not help me either ... .I sent copies of the problem written down by me ... .copies of my bank statements ... copies of their emails telling me they have my two payments ... but I get no help getting my extra payment back ... I realise the amount which is {$41.00} May not he much to some people but we live on our social security and they have been horrible to deal with ... some how XXXX Back is involved with this issue too as they hold PayPal Credit services ... I need help ... .
Product: Credit reporting, credit repair services, or other personal consumer reports

Central Portfolio Control is reporting an erroneous item on my XXXX credit report for a collection of {$2600.00}. I have no knowledge of this item and I have never heard of this entity, or received any communications from them. No other CRB reports this item.
Product: Credit reporting or other personal consumer reports

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XX/XX/XXXX ), they may be liable for false reporting.

I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a checking and savings account at XXXX XXXX, without my consent this company did a HARD CREDIT PULL on my Equifax. 

Contacted XXXX financial around XX/XX/XXXX via phone, the agent stated a request was submitted to the correct department and that I would hear back within 3 business days. I never received a call back, email or any communication. 

A second contact attempt was made on XX/XX/2021 via online banking and although there was a response it was not helpful. 

This complaint is about the fact that when applying for a checking account there was no clear request for approval to pull my credit. Most banking institutions do CHEXSYSTEMS for deposit accounts ... a consumer NOT APPLYING FOR CREDIT should not be impacted by opening savings/checking accounts. Never in my 15 years banking have I experienced this by an institution. 

I already submitted a complaint to EQUIFAX and it was not resolved by them. Only XXXX may make the necessary corrections.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of fraudulent information from my credit report. Upon reviewing my credit report, I discovered several accounts and addresses associated with fraudulent activity under the name XXXX XXXX. This fraudulent information has severely impacted my creditworthiness and financial stability. 

XXXX Accounts : XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX SPRUCE XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX I hereby demand that you remove all fraudulent information associated with XXXX XXXX from my credit report within 14 business days. Failure to comply with this demand will leave me with no choice but to initiate the pre-arbitration process to resolve this matter. Furthermore, I will seek compensation for any damages incurred as a result of your failure to rectify this issue in a timely manner. 

I expect prompt action and confirmation of the removal of the fraudulent information once it has been completed. Please provide written confirmation to me at the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 - XXXX with Alliant
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report with Transunion only for about 3 months. I had an identity theft a few years ago and it was never resolved. I was forced into a bankruptcy in 2015. I have been working very hard to get my credit repaired, but Transunion seems to be very careless about what they put on a person 's report. They have multiple inaccuracies, first, I have an auto loan with XXXX XXXX XXXX. I am showing as about 6 months late payments. This loan is in litigation with the XXXX XXXX XXXX for harassing collection calls made to me when my payments were not late. Since the attorney took this case, XXXX has mailed me back every payment I have sent them. They will not talk to me at all about the account, saying that everything is on hold pending the resolution of this. They will not make this known to Transunion. 
Also, I have disputed several times collection accounts that have appeared on the report. These are not my accounts. They will not remove them. I also have some medical collections which should not be there, as to my knowledge, my insurance covered. I was told by the doctor that I have no copay and did not owe anything, yet these remain. 
Today I received a notice that a new collection went on, but I can not find it. It took 80 points from my score. 
The only item new is the report showing that I used my credit card. 
The other issue is that I want an explanation as to why a credit score determines what you have to pay for Car Insurance, House Insurance, Life Insurance, and whether you can have a bank account. This is OUTRAGEOUS! There is NO VALID reason why this should be as it is. 
These Credit Reporting Bureaus should be ABOLISHED!! They are causing untold destruction to people who have had things happen that are NOT in their CONTROL!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Product: Credit card or prepaid card

On XX/XX/20 two unauthorized transactions occurred on my Bank of America EDD Debit card. The first transaction shows as {$0.00} and the next transaction, the thief stole {$220.00} from my account at a Bank of America ATM. I contacted and filed a claim with BoA and received a letter that my claim was closed and was issued a new card. However, they froze my account and the card that was issued to me does not work as well. I have called BoA consistently for over a month now and have received different answers/been transferred to different departments from each BoA representative. BoA told me that EDD froze my account and that they have done everything on their end and are waiting on a reply from EDD. However, when I contacted EDD, they said my account is fine and is open and that i need to contact BoA. I have asked the BoA representatives for a literal script of what I should say to help resolve this problem and was told to say " Can you please send confirmation to BoA that my account is in good standing? '' and the EDD representative responded, " we don't do that. You need to contact BoA. '' So I have been going back and forth with EDD and BoA because they are both saying it is the other company 's issue and tell me that they can not help me with my situation. 
All I want is someone to help refund my {$220.00} and unfreeze my BoA account so that I may receive my EDD funds again.

Due to the pandemic, I have not been able to work and am financially dependent on the money provided by EDD so this issue has really strained my resources and my mental health.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the XXXX XXXX XXXX  account XXXX i am asking you to verify as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint addressed to the Credit Reporting Agencies to request to the Credit Bureaus to remove the disputed Accounts and Information from my Credit File. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous CFPB complaint I submitted on XX/XX/XXXX and I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, I need you to please remove the following items completely from my Credit File : 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 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. This CFPB Complaint is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Loan Depot after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my XXXX  Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted XXXX, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I tried to make a payment from my account using my Skrill debit card via XXXX on XX/XX/XXXX. The payment was blocked by Skrill and my account has been locked ever since. I submitted a help request online ( twice ). I have called 3 times. The last time I called on XX/XX/XXXX, I told the rep that if they could not unlocked my account that day then to please close it and issue me a check for the amount in my account ( {$1000.00} ). She said she would process the closure request and that I would receive an email on XX/XX/XXXX regarding the closure process. I did not receive an email.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXX XXXX  XXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX  XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( TransUnion ), National Credit Card Companies XXXX XXXX XXXX Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( TransUnion ), Closed due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opened XX/XX/2020 account number XXXX XXXX this account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did. Recently I submitted a complaint with CFPB and the account came back as verified with Experian and XXXX but XXXX came as not verified and was removed from report
Product: Credit reporting or other personal consumer reports

Hi, please hear me out, this has been going on for months trying to correct errors you made on your end and I am absolutely frustrated as my requests are ignored/disregarded. 

The information you are reporting on my credit is false, inaccurate and contains a lot of errors, this has been already removed by both XXXX and XXXX and have been blocked from reporting yet you continue to put this information on my report which violates my rights as a consumer. This is unjust and causing me tremendous anxiety, furtherly harming my life and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, equifax, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report
Product: Checking or savings account

my business cheking account with XXXX XXXX one day i had stolen checks and cashed from my account total 3 checks i contact my XXXX XXXX its been a long time dealing with my problem after that i was inform that the cashing bank was comerica bank i talk to there fraud team but they never try to help me with my stolen checks i demand my money to be paid cus my money was stolen and abvously there custome did this the name on the check i dont know the wrighting is not mine ans signature is not my signature also pls help me with this thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

These people do not respect hours or days, holidays or weekends, same call 20 times a day.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to update my balance on my loans since XX/XX/2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in XXXX I called again and even filed a dispute as XXXX had advised. XXXX told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now I cant even contact them due to long hold times and XXXX not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from XXXX 's own website.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of specific information from my credit report, in accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking, specifically debt bondage, which is clearly recognized under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

Enclosed is a letter from an advocacy group assisting me in my recovery. Given the severity of my situation, I insist that you block and delete the following accounts from my credit reports with XXXX, Experian, and XXXX within XXXX business days : XXXX. XXXX XXXX XXXX XXXX ( XXXX : {$6000.00} ) XXXX. XXXX XXXX " XXXX '' ( XXXX : {$3400.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX : {$9900.00} ) Failure to comply with this request promptly will result in further legal action.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX