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

I disputed the XXXX account. 

Dispute reasons : XXXX. Account not mine XXXX. The open date is XX/XX/2017, XXXX months BEFORE the closed date of XX/XX/2017. 

Transunion investigated and verified as accurate. How did the account close before it was opened? 

Per the FCRA, section 605 B companies have 4 days to remove an account when told the account is fraudulent. The company has been notified multiple times and they verify the account that clearly has wrong information, i.e., the opening date was XXXX months after the closing date. 

I am attaching a letter from XXXX, a subsidiary of XXXX, verifying XXXX agrees the account is fraudulent. Also attaching a copy of the Transunion investigation results with the errors on this account circled.
Product: Money transfer, virtual currency, or money service

On   XX/XX/XXXX  I  made an  XXXX  purchase through Paypal. When the item arrived it was not what was advertised in the listing. On   XX/XX/XXXX   I submitted a dispute through Paypal. Paypal did not find in my favor & essentially let an   XXXX   seller perpetrate a scam.     I 've been trying to close my  Paypal account ever since. I keep encountering electronic problems online. I finally called Paypal  o n  XX/XX/XXXX  & w as told by someone in the  XXXX  they could not close my account b/c there was a pending charge. I checked & this was a lie. The charge had already cleared my bank. I called again  on  XX/XX/XXXX  & i nsisted they close my account. Once again they lied & told me they could not close the account b/c there was a pending charge.      Does Paypal th ink I 'll continue to use their service b/c they 've refused to close the account?????
Product: Credit reporting or other personal consumer reports

I am writing to inform the CFPB that I have been a victim of fraud. I did not authorize these inquiries made in my name. ] it was first noticed in XX/XX/XXXX, of XXXX  and XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have called multiple times since the beginning of XX/XX/XXXX regarding a check that was supposed to be issued XXXX  business days after the stated date. They institution keeps giving me the run around regarding that check and i have yet to receive those funds.
Product: Checking or savings account

I received checking and savings account statements from Bank of America on XX/XX/XXXX. Accounts had been opened under my social security number/bday/address and my previous last name ( XXXX XXXX ). My name is XXXX XXXX and I haven't gone by the XXXX name since XXXX. 

I called Bank of America and informed them of the fraud, at which time I found out this person was actively using the accounts. 

I have informed the credit bureaus and am in the process of trying to correct other credit applications through XXXX XXXX. 

The person who opened the accounts used the following information : email - XXXX address - XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX
Product: Mortgage

XX/XX/XXXX : I applied for a mortgage modification. I submitted all requested documents along with a detailed letter explaining my circumstances.

XX/XX/XXXX : I received a past due letter from Bayview. This letter also stated they tried to reach me via phone and I was unavailable. This is not true. I ALWAYS have my phone with me and am available day and night. Ive never received a call from them, missed their call or was left a message to return their call.

XX/XX/XXXX : I received a letter stating my modification was assigned to a specialized team. No individual names and no direct phone number to contact an agent.

XX/XX/XXXX : I received a letter from Bayview stating they needed 2 additional documents. These documents do not exist and I tried calling several times to explain why these documents are unavailable and was put on hold for over an hour each time, only to have the call dropped. I tried going though Customer Service as well but was put on hold and again, after waiting over an hour, the call was dropped. When I was unable to contact anyone by phone, I sent an email on or about XX/XX/XXXX and never received a response.

XX/XX/XXXX : I received a letter disclosing my credit score.

XX/XX/XXXX : I received a valuation report or appraisal prepared for my property.

XX/XX/XXXX : I received two more letters disclosing my credit score.

I tried on or about XX/XX/XXXX to contact Bayview again via phone and was again placed on hold over an hour and the call was again dropped.

XX/XX/XXXX : I received a letter via XXXX stating my modification application was denied due to not providing requested additional documentation.

I tried calling again today, both via Customer Service and through the phone number provided on the denial letter and again was not successful getting through. I believe I deserve to continue with my modification application and should be able to communicate with a human being throughout the application process as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Transunion, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I disputed " membership '' charges as well as credit card charges for two credit card accounts that were fraudulently associated to me. I have no knowledge of the transactions, and can attest to the fact that I did not apply for nor use any credit given to me by Navy Federal Credit Union. 

They have failed to provide me with any proof that I ever opened any accounts with them. They have further failed to provide me any details as to how they came to the erroneous conclusion that I am responsible for the transactions that occurred. 

I have provided them with a police report and multiple dispute letters. 


Please advise on how you can assist me. Thank you.
Product: Debt collection

I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Product: Money transfer, virtual currency, or money service

I do not have a checking account. However because of XXXX I cant make any finance transactions at XXXX. Such as pick up money send money or cash a simple money order. Why is this happening when I never cash checks. My own father sent me a money order because XXXX wouldn't let me use money gram but when I try to cash this money order they refused to complete this transaction. They said XXXX declined my transaction and it is a permenant decision. But they are unable to tell me why XXXX made this decision about me. I need this correction on my name its degrading because I am not a criminal. I feel very violated
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 th
e 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.
Product: Credit card or prepaid card

The representatives of Citibank tried to gather personal information from me to get into my account to commit fraud. As a credit cardholder for over five-plus years, Citibank representatives stated to me that they pull my credit report and cut the credit limit of my credit cards and insist that I called the XXXX  credit reporting agency. I refused and instantly paid off the account and put a block of the cards. When I went on the street to make purchases at XXXX, I had individuals harassing me of how much money I have. I told them, " go take it if it's yours. '' I went home and started removing all my money from savings in my Citibank accounts. 
XXXX XXXX XXXX
Product: Debt collection

I received notification that my wages were being garnished because of medical debt, the situation is complicated, but I was advised to settle with the law firm -- XXXXonnek and Goldblatt. I have the terms of our agreement in writing, and made the payment to settle the debt as in our description. The payment was made on XX/XX/27. My wages were still garnished for the pay date of XXXX, and the firm claims that the money will be 'returned ' but can't give me a timeline as to when, or alternative options if my wages continue to be garnished.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX original XXXX XXXX XXXX XXXXXXXX {$7100.00} XXXX. XXXX XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$6800.00} XXXX. XXXX XXXX {$2700.00} 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 discovered unauthorized inquiries on my credit report this morning and have no idea why. I checked my report as usual, but this time there were strange discrepancies. I even refreshed the browser thinking it might be a glitch, but the inquiries remained. Im really frustrated and I need the documents I sent to be reviewed carefully, so I dont have to worry about this anymore.
Product: Debt collection

I had a previous ( incorrect ) debt collection with XXXX of {$160.00} that was resolved ( with documentation ) in XXXX of 2023. Upon viewing my credit report last week, I discovered that another debt collection agency had been engaged by XXXX, again for {$160.00} and I have received no notification from XXXX  or the debt collection service ( AmSher Collections based in XXXX, AL ) . So not only am I fraudulently being pursued for a non-existent debt, but no correspondence was ever provided to me and my credit rating has been impacted due to these fraudulent activities.
Product: Credit card

I XXXX XXXX contact credit card company this month requested a credit line increase since I had payment XXXX  months of excellent payment history. 

I have {$1700.00} available credit at that time and company ran my credit inquiry and my score dropped because of that credit Inquiry and removed my available credit. 

I did not authorized had no knowledge that my credit was been pulled and my credit score dropped I contacted the credit card company and was told customer credit are ran often. 

I was discriminated against for retaliation from previous complaint filed and company ruined my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX Equifax and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor Equifax, XXXX or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Product: Credit card

My First National Bank XXXX card was lost or stolen on or about XX/XX/2023. I reported this the following day to the company & later identified XXXX transactions charged to my credit card account that I did not make. However, the company has removed only XXXX of these charges & has failed to provide me an explanation as to why the others have not been removed from my account. Moreover, the company 's fraud investigator in a letter to me dated XX/XX/XXXX concurred with me that all XXXX charges were fraudulent & stated to me over the phone that the company management had decided not to remove the other fraudulent charges from my account, The basis for this decision has not been shared with me. I do not understand why this company is trying to make me pay for these fraudulent charges.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, 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 XXXX  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 help those who are victims of identity-theft. I request that an extended 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.
Product: Vehicle loan or lease

The original loan for my vehicle was financed through Truist in XXXX of XXXX. In XXXX of XXXX I refinaced through my bank XXXX and cancelled my XXXX insurance. During this time XXXX cut a check payable to Truist, who cashed the check. Truist was to cut me a check and send it to me. I started reaching out to them in XXXX I have spoken too so many people to locate this refund check. Nobody seems to know whats going on. Calls have been disconnected after me waiting for countless hours ( literally )... just to end up still with no answers. I am exhausted dealing with these ppl. So here I am.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft that has impacted my personal financial information. As such I request that you block and delete all accounts mentioned pursuant to FCRA 15 U.S.C 1681c-2 ( a ) 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

XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the better business bureau and identity theft gov and I demand this account be removed immediately from my Experian, XXXX, and XXXX credit report or I will pursue legal action.
Product: Debt collection

Received " robo call '' stating to call " DITECH, A DEBIT COLLECTION AGENCY '' gave me a # to call ... called the # given, " non-working # '' Called # on my caller ID. Phone answered, I asked whom I was speaking w/ & the name of the company. Female on line said " I will not give you any information ... We are trying to contact XXXX or XXXX '', I stated that I was neither of those XXXX. told '' I would be removed from system '' have had similar calls in past stating that I would be removed, only not to be removed. Call I received call from was XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX ...., XXXX XXXX ...., XXXX XXXX ....