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

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. 

I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history.

Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security.

I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX 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
Product: Debt collection

I recently reviewed my credit report and noticed a medical collection from Credit Management Company, which has negatively impacted my credit score. However, I did not receive any formal notification via mail regarding this debt. On XX/XX/year>, I sent a Debt Validation letter ( see attached ) requesting more information about this debt. On XX/XX/year>, I received a response ( see attached ) with a printout from XXXX XXXX XXXX, XXXX regarding the alleged debt. However, the letter I received refers to a " debt verification '' rather than the validation I requested. 

In my original letter, I clearly stated : " ... a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for 'verification ' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. '' I have no affiliation with either Credit Management Company or XXXX XXXX XXXX, XXXX. Please be aware that I requested " validation, '' not verification, of the debt reported to XXXX, XXXX, and XXXX by the original creditor and collection agency. The response I received is a clear violation of my rights under XXXX. 

Collection Management and XXXX XXXX XXXX, XXXX did not provide me with a XXXX release form that would permit them to access or disclose my medical information. By sharing such information without my consent, they have violated my XXXX rights. I am now prepared to take legal action against the original creditor and collection agency if this item is not deleted from my credit report within the legally required timeframe. I will pursue all available legal remedies, including filing a lawsuit against the credit bureau responsible for reporting this violation. 

Please take this matter seriously, as I have documented the situation thoroughly. I expect a prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

2 ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

3 ) XXXX is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

4 ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.
Product: Student loan

i am a victim of Identity theft and Federal Loan Servicing XXXX Address XXXX XXXX XXXX, XXXX, XXXX XXXX keeps reporting on all ( XXXX ) credit reporting agencies as negative even though I contacted them directly, with documents showing a suspect was arrested using my personal information to get loans, credit and medical., I also filed a complaint with the XXXX which told me to contact XXXX XXXX XXXX United States XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and or XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I will send a copy of all attached documents with this complaint.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report, and upon reviewing it, I discovered an array of errors and unapproved accounts/information. These comments have negatively impacted both my life and credit history.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act(FCRA), Privacy Act of 1974, and Equal Credit Opportunity Act(ECOA), XXXX XXXX is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), XXXX is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of XXXX  in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of XXXX  This rule requires directors and Section 16 o
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit monitoring alert came that TransUnion reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at XXXX  XXXX XXXX on XX/XX/2022. I immediately called XXXX XXXXXXXX XXXX, reported it was FRAUD, spoke with XXXX in Security at XXXX XXXXXXXX XXXX. I then called TransUnion to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL Detective XXXX. I'm waiting for written copy of police report to place extended credit freeze.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant. 
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this. 
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once. 
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints. 
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription. 
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner? 
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to notify them that Bankruptcy XXXX needs to be investigated for verification and deleted because it is erroneously being reported on my credit report. Equifax responded to my request for verification with a response. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Equifax and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Equifax responded by sending me a letter requesting information for identify verification ( Something I have sent over 100 times the were playing games to stall ). I have sent Equifax letter from XXXX XXXX stating that the account could not be verified ( the source sited on the Equifax report as verifying the Bankruptcy ) Equifax is willfully reporting erroneous, damaging, and unverified information on my XXXX  report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis. 15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v. Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and there are inquires on my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Trans Union are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX company was suppsoed to pay this amount but have n't payed this is incorrect information
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything please remove the following items from my credit report, immediately 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: Debt collection

I dont owe this place take it off its messing up my credit score its was not me
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well, When I pulled my credit report, I was shocked to find that there are numerous entries on my report that have not been validated or verified. I request the XXXX Credit Bureaus to please correct the account from my credit report. Given that I'm in the process of buying a home for my family, this situation is causing significant harm. I kindly request the immediate correction of this account from my credit report : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ), Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit reportXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe any amount of money to any entity, business, corporation, or individual. I continuously and repeatedly receive phone calls from XXXX XXXX XXXX. I have no relationship of any kind with the entity using XXXX XXXX XXXX. This entity is described as a debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning After recent checking my XXXX  credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquirieXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Non-Medical ) - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Mortgage

On XX/XX/XXXX18 @ XXXX, pre foreclosure actions were taken after speaking with Loss Mitigation Specialist, XXXX . 
Also, In XX/XX/2018, a cheque in the amount of {$1000.00} was mailed to me. The letter stated that I requested or someone requested on my behalf made the request for the amount of {$1000.00}. I did not make a request for this to be returned to me. Mr. Cooper personnel ( s ) made the decision to return cheque of {$1000.00}, placing me in preforclosure. 
In XX/XX/2018, a wire transfer of $ 5,000+ was made to Mr. Cooper XXXX My mortgage account was made current with this wire transfer and I resumed monthly mortgage payments. 

On XX/XX/XXXX2018, I called Mr. Cooper. I spoke with XXXX and I requested to make a partial payment of {$350.00}. I told XXXX that I would call the following week to pay the balance due. XXXX stated that this would be placed in system as unapplied fund. Confirmation # for this transaction:XXXX. 
On XX/XX/XXXX18, I called Mr. Cooper. I spoke with XXXX. I made payment of {$350.00}. I informed her that the balance of {$8.00} to be applied to the principal as the balance for the mortgage payment was {$340.00}. XXXX verbalized understanding. Confirmation # for this transaction : XXXX. 
Today, I received mortgage loan statement date XX/XX/XXXX2018. I noted that {$8.00} was applied as legal fees and adj-forbearance suspense. This is incorrect as the total monthly payment was made during the Grace period.
Product: Debt collection

On XX/XX/2018 I received a derogatory mark on my credit report from Collection Company Waypoint on the behalf of XXXX XXXX XXXX. 

After making multiple attempts to contact XXXX. I finally received an answer that the derogatory mark was due to an account that has not been paid, totaling {$140.00}. The account was transferred to the owner of the home XXXX XXXX without my permission and I was unable to access the account. 

I do recall calling XXXX and them denying me to access the account to make payments or transfer account. 

A XXXX representative stated they have no records of the account other then a debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XX/XX/XXXX have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX