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

Unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error!
Product: Bank account or service

On XX/XX/XXXX I noticed on my bank statement that from XX/XX/XXXX - XX/XX/XXXX there had been multiple fraudulent charges from Paypal taken out of my bank account. I spent the next month trying time and time again to get Paypal to 1 ) close my Paypal account and 2 ) credit me back the more than {$1200.00} they had transferred out of my bank account. Paypal also opened up a line of credit that I DID NOT AUTHORIZE. I can only assume someone hacked into my Paypal account fraudulently ; but how did they get a line of Paypal credit open in my name without my authorization! I have spoken to at least 10 Paypal customer representatives and supervisors and got different stories from all of them. I even got an email from them saying they were taking MORE money out of my account (??!! ) and that email was dated - get this - XXXX. Yes, I am not kidding. What a screwed up company. So far, they have only put a credit of {$600.00} in my account and they owe me the entire {$1200.00} that was transferred out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX BA XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Saw negative amount of deposit last night in account. 
Something was going on with my deposits from another bank and they were all being returned. My balance was negative, but the federal SOCIAL SECURITY XXXX payment of XXXX took care of it and brought my balance positive to XXXX or so. I had bills to pay so I went to withdraw funds, and it denied access. I called and explained what happened and they transferred me to fraud department. They are going to hold my direct deposit for XXXXne week due to them being suspicious of account, and they closed account. They told me to check back n one week on status of account. I read that since the money is federal SOCIAL SECURITY they can not hold this!!! I need to pay bills and to eat, pay rent, etc..the payment I made is going to be returned and I will have a fine!!!
Product: Credit reporting or other personal consumer reports

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

XXXX : XXXX XXXX account:XXXX  Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX XXXX : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX Transunion : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the three reports. I am aware all reporting has to correct and accurate at all times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year>XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : [ Account XXXX ] XXXX XXXXXXXX [ Account XXXX ] XXXX XXXXXXXX [ Account XXXX XXXX XXXX XXXX XXXX These accounts have accessed my XXXX XXXX without my XXXX XXXX, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my XXXX XXXX as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a XXXX XXXX XXXX can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no XXXX XXXX XXXX may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Multiple times they hit me with over drafts fees and other fees that matchup to my funds or usage. Never gave a straight answer to the fees and closed my accounts and added some savings account without my knowledge.
Product: Mortgage

I paid off my mortgage with Newrez since XX/XX/2022. 
I have since made two requests without any answer for Newrez to refund me excess amount ( more than {$6000.00} ) that was held in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows collection account from Midwest Recovery Systems opened on XXXX XXXX, 2017 for XXXX, XXXX, and XXXX. I have not had any recent payday loans in the past 5 years or more and do not recall a payday loan with this company. I have not received any type of debt validation notification or collection notices from XXXX XXXX XXXX prior to this debt reporting. I 've done some research about this company and from what I 've read, they are not licensed to provide or collect payday loans in the United States. It 's a tribal loan XXXX XXXX XXXX company.
Product: Credit card or prepaid card

On XX/XX/2021, I placed an online order that I did not receive. I informed chime bank via an online dispute on XX/XX/2021. They ( the bank and merchant ) denied my request after sending proof my package was never received and not at my fault. They will no to send my refund. The bank refers me to the merchant and the merchant refers me to the bank. Please help as this appears to be shady business practice on both entities ( chime bank and merchant-XXXX  XXXX ) .
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/2021 XXXX ( Retailer ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 2021
Product: Credit reporting

Hello my name is XXXX XXXX, I 've been apply for a personal loan in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and they denied my application because they said in my credit report shows somebodyelse information what is not accurate because is check my credit report trough creditkarma and it 's not showing anything else then my personal information
Product: Mortgage

We were scheduled to close on a new home on Tuesday, XX/XX/XXXX. We we also scheduled to close on the sale of our home that same morning. Monday evening Quicken Loans contacted us and told us we needed an earthquake appraisal before we could sign. Our realtor, title company, and our home inspector had never heard of such a thing. Our movers had to be cancelled which cost us a fee. We also had a hot tub mover that we had to cancel and incurred an additional fee. We have to be out of our home by Friday morning, and we have nowhere to go and no place to store our items. We have yet to hear back from this earthquake appraisal person. Quicken Loans did not accept our 63 page inspection report, then they said the earthquake appraisal was simply a drive by appraisal. This sudden appraisal request was because of an earthquake 40 miles away that happened in XXXX!? Ten hours before we were closing, they hit us with this ridiculous requirement. The worse part is they are in no hurry to get this completed. They send emails, but refuse to place a phone call to get this done. Meanwhile, the owners of the house were buying can not close on their home XXXX miles away because we havent purchased their home because of this appraisal baloney. Its going to cost us thousands of dollars due to this drive by appraisal where someone drives by and sees that the house is still standing. Quicken Loans puts everyday citizens in their queue. Were just a number to this massive organization and that saddens us. Were officially XXXX, and well have to store things somewhere, find someone else to move a hot tub, and obtain some hotel rooms because we dont know when well hear from this earthquake appraisal person. Unbelievable experience on my wifes birthday no less.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : 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

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 # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 the information. Any other adverse items 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 card

Discover credit card closed my account stating that I had failed to respond to a request to verify personal identification. Personal identification was verified when I opened the account over 2 years ago, but this is a new request that was sent out. The only request that I knowingly received was over the phone which I thought was a scammer due to the holidays so I did not provide any personal information. My credit report was drastically hit because of the closed account, even though I've made my payments on time and have paid off the credit card. I feel as though I've been wronged by discover credit and at a minimum would like for my credit report to not reflect any negative impacts from this company. I spoke to discover credit in which they've told me that they will get back to me within 3 to 5 business days but could not tell me other than not verifying my personal identity as to why my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

Ok, twice I got time out ... very upset ... your system does not offer to save a partially finished file ; I suggest you do this immediately ... 

I am blocked from a new account at US bank, XXXX XXXX, and XXXX XXXX both in XXXX XXXX, Ca ; the first at XXXX on XXXX XXXX, and the other 2 blocks down XXXX XXXX. 

They lied and said they could not pull up my account ; they refused to let me withdraw ; or show me the screen. 

I have 24 accounts under XXXX ; and several relatives that are XXXX ; XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ; there are other names for XXXX   relatives ; in all $ XXXX ; so I need the branch to order XXXX certificates asap ; I am willing to sign a release for DMV, DOL, plus I had an old mrtg loan in XXXX to verify my signature. 

I showed my id, and tried to get them to help me, and I believe they are committing these crimes ; identity theft, with fake id, tax evasion, racketeering, and XXXX, XXXX from XXXX to be deported ; and in the other branch ; XXXX from XXXX, and other XXXX XXXX back on the boat to XXXX!!! Deportation, Work Violations with immigration!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me out here i have been trying everythng under the sun to get this stuff fixed on my credit report. This is really causing me a lot of pain and XXXX  bc nobody seems to be folling the fair credit reporting act and still reporting false information with out even verifying things with me. They aren't updating me on things and its been over 70 days. 15 united states code 1681 ( i ) clearly says that they have 30 days and it has been 75 days and these issues are still hurting my credit. Even with covid these high interest rates are making it hard to survive. I need somone to help the credit agencies take me serious because they are stalling and just giving me the run around. They are violating my privacy rights and my rights as a consumer. My info has also been compromised in the equifax and XXXX data breaches to make things even worse. Please i need this incorrect items off of my report ASAP
Product: Credit card or prepaid card

On XX/XX/2022 I received a bill from XXXX in my name in the amount of {$81.00}. I do not have or applied for an account with XXXX. When I called to inquire about this bill a recording asked for my account number which I do not have. I was then asked for my social security number and I hung up without providing my SS #. On XX/XX/2022 I received another bill in my name with late charges. I have been receiving telephone calls that I not answered from Comenity Capital Bank who is affiliated with XXXX.
Product: Checking or savings account

Yes Wells Fargo owes me on two credit card accounts I have called and demanded a refund to my checking they also mischarged a XXXX  fee on my platinum savings after j requested it to be closed. I demand my savings be closed and refunded XXXX dollars and all my credit from my credit cards be sent out a check or deposit it into my checking account also there practices of horrible customer services with XXXXXXXX XXXX XXXX  needs to improve you dont yell at your customers
Product: Debt collection

XX/XX/2023 and I recently contacted XXXX XXXX XXXX XXXX XXXX after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX  XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.