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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1400.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX # XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX # XXXX  XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$11000.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$670.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$180.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hi, on XXXX XXXX i received a payment on my PayPal account for an used item i wanted to sell. The transaction code is XXXX and my account is XXXX On XXXX XXXX PayPal permanently limited my account for " suspicious activity '' without even letting me explain the reason of that payment. 
PayPal told me that my funds were locked for 180 days and that i couldn't access them. 

Meanwhile the buyer started asking for the refund that i couldn't provide him due to the limitation that PayPal made on my account. 

The buyer, today, filed a police report against me for fraud. 
It's absurd that PayPal blocks the refunds getting people in trouble. 

I can't go to jail because PayPal doesn't let me refund the buyer. The money are still on my PayPal account balance, please use them to cancel the transaction and refund the buyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via XXXX   to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 my credit report from Trans Union showed the incorrect information that I have a late payment account and a collection account with the amount of {$1300.00} from XXXX XXXX XXXX which is the debt I do not owe. 
I disputed and Trans Union refused to delete the incorrect information on my credit report.
Product: Debt collection

At XXXX AM on XX/XX/22 I received a call from an individual who introduced herself as XXXX from Justice Finance. She initially asked for another individual, I told her that was my husband, and she then called me by a different last name. I corrected her and asked her not to call me anymore. She said ok and hung up. She then called again at XXXX AM and she proceeded to tell me that she was contacting me as I was a reference for an individual and disclosed their name as well as indicated that they are past due and that because their sister did not work there were any longer did not mean she did not have to pay. I replied by telling her that I would relay her message and also asked her if she was aware of the FDCPA and FCRA, she stated she was aware. I then proceeded to tell her she was in violation by providing me with information on the status of the account. She then would talk over me and not listen to me and cut me off. I ended the call. I contacted the individual about the call and she informed me she was under 30 days late and aware that the company 's policy does not warrant calls to references unless they are past due way over 30 days. She also informed the company she would make her payment before the month was over, therefore there was no need to call me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

HRRG contacted me informing me that I had an outstanding debt for emergency room services from XXXX. I contacted the hospital they told me the charge was with and the hospital said I did not have an outstanding debt. I asked HRRG to contact my insurance company to see if they had not paid an invoice of some sort. HRRG informed me that the insurance company never responded. I asked HRRG to send me an invoice for the amount due. I received the invoice from HRRG which clearly states the balance was paid by the insurance company and that my personal amount due is {$0.00}. They have continued to call me from different numbers to harass me, asking for personal information, and not acknowledging that the debt has been paid.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX this is crazy about these accounts. Im not gon na pay these accounts I'm super broke, now or in the future. Thats just how it is. Later,
Product: Credit reporting or other personal consumer reports

I've been disputing negative items that are not 100 % correct on my credit report for some time now. Transunion disregards my dispute and continues to report the item in violation, which is unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXX-Discharged Filed on XX/XX/2017 Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.
Product: Credit reporting

XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete.
Product: Credit reporting or other personal consumer reports

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXXXXXX XXXX XXXX  inquiry date XX/XX/year>XXXX XXXX
Product: Debt collection

Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
Product: Credit reporting or other personal consumer reports

Ive gone through my credit report and noticed some errors in how certain accounts are reported. These inaccuracies are lowering my credit score and could affect important financial decisions Im making.
Product: Debt collection

The original account this claimed to be a collection for has already been settled and was told by XXXX XXXX that this collection would follow shortly therafter, however I keep receiving miscommunications and this account should not be on my report. Ive asked several times to have it removed and they have agreed yet there are no changes, even still.
Product: Checking or savings account

I have had an account with BBT now Truist since they bought out XXXX Bank back in about XXXX. I used the same branch in XXXX XXXX and never had any problems until the merger with Sun Trust which coincided with someone trying to gain access to my account. 

On XX/XX/XXXX someone tried to cash a check for {$1800.00} against my checking account at a branch in XXXX Fl. I got a phone call from the teller, XXXX, who immediately suspected fraud and denied the transaction. XXXX also closed my checking account which held about {$8100.00} but left the savings account untouched - that contained about {$10.00}, XXXX. 

I called a branch that was open the next day, Saturday, and they told me they were busy with customers and couldn't advise me as to whether my SS direct deposit would be permitted now that the account was closed and promptly hung-up on me. 

On Monday, XX/XX/XXXX I went to the XXXX, Fl branch and I specifically asked the officer, " If I open another checking account with Truist will it have the same features as my account that was just closed, free checking and free paper statements? '' She assured me that it would be the same except they no longer call it " Senior Checking, '' and that I would not be charged for this account in anyway shape or form. 

Well, that was a lie. They are now charging me {$3.00} per month for paper statements and they are charging me {$10.00} for the old checking account that contained {$140.00}. I had to leave that account open for any outstanding checks and for direct deposit to be activated with the new account at Truist. 

I also inquired as to how someone got my bank account information and they played dumb. But I found out that BBT was hacked on XX/XX/XXXX. The hackers gained access to XXXX checking accounts and XXXX savings account and customer data and were selling the info online for 40-50 % of the account value!!!. 

While I was deleting my bank account password from my phone as recommended by the police officer who took my fraud complaint, I noticed apple had a warning that there was a data breach with BBT and that my password was compromised. 
BBT knew this and never told us. 

On XX/XX/XXXX, I went into the bank to inquire about the $ 3 monthly paper statement fee and was told there is no account without fees and the best they could do for me was a one-time refund. He asked me if I was going to keep my original checking account open and I said yes, for another month to make sure all my checks had cleared. He never told me that the day prior they began charging me a $ XXXX maintenance fee on that account, my original account which never had any fees associated with it. 

I also asked about the data breach at BBT and he said there was no data breach. But XXXX XXXX and XXXX XXXX both confirmed there was. 

Truist lied to me to lure me into a more expensive account and has caused a big inconvenience because now I have to change direct deposit for SS and my life insurance policy monthly premium automatic withdrawal a second time in one month.
Product: Credit reporting or other personal consumer reports

I have sent several letters to equifax to verify some incorrect accounts on my credit reports and I have still yet to receive a response or updates
Product: Vehicle loan or lease

On or about XX/XX/XXXX I attempted to purchase a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. on line. I did a credit check and was approved for financing from Westlake Financial Services. at no point did I ever take possession of the vehicle in question. VIN # XXXX. Approximately one week later I found out that the vehicle was rebuild and I contacted the dealership and West lake Financial Services and advised them both that I had no intention of going forward with the purchase due to the fact that the vehicle is a rebuild vehicle. Prior to completing the purchase of the vehicle in question, I put a down payment of {$8500.00}. I contacted the dealership and requested that I get a full refund due to the fact that I did not take possession of the vehicle and the vehicle was being sold under false pretense. The dealership advised me to contact the finance company and they would give me a full refund, however I did not get my money refunded back to me. Whereafter, Westlake Financial Service, have been reporting said vehicle as charged off, knowing that I at no point took possession of the vehicle non question. Furthermore, at no point did I ever sign the buyers order and or contract. Wherefore my rights have been violated. 
1 ) 15 USC 1681 - The fair credit reporting Act.

2 ) 15 USC 1692 - The Fair Debt Collection Practice Act.

3 ) 15 USC 1601 - The Truth and Lending Act.

4 ) 15 USC 1691- Equal Credit Opportunity Act.

5 ) 15 USC 6801- Gramm Leach Bliley Act.

6 ) 15 USC 1662 - Advertising of Down Payment
Product: Credit reporting or other personal consumer reports

I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over XXXX days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date, last active and is unverifiable. XXXXExperian failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious matter of identity theft and the subsequent fraudulent actions taken by unknown individuals using my personal information. I am a victim of this crime, and I request your assistance in resolving the issue promptly. 

On XX/XX/XXXX, I discovered that my personal information, including my name and Social Security number, had been unlawfully used to open an account with XXXX XXXX XXXX without my knowledge or consent. The initial charge associated with this account was {$5000.00}, and it was opened in XX/XX/XXXX. I have taken the necessary steps to address this situation by filing a complaint with my local police station, and they have generated a police report that serves as evidence of the identity theft. 

Additionally, I have reported the incident to the Federal Trade Commission ( FTC ), which has initiated an investigation into the matter. I have attached copies of the police report and FTC complaint for your reference, which was sent to the FTC via certified mail with return receipts. I expect that these documents will aid in expediting the resolution of this matter. 

To compound the issue, the account with XXXX XXXX XXXX was subsequently sold to XXXX, a debt collection company, without my consent or prior knowledge. The current outstanding balance on this account is {$5200.00} as of XX/XX/XXXX. I request that you take immediate action to rectify this situation by removing this fraudulent account from my credit report. 

Furthermore, I have recently discovered another fraudulent account on my credit profile, opened with First Access XXXX XXXX XXXX in XX/XX/XXXX. This unauthorized account carries a negative impact on my credit score, with an associated amount of {$440.00}. I request that this account be promptly removed from my credit report as well. 

Despite having provided all relevant documentation and information to support my claims, I am disheartened to observe that over two weeks have passed, and these fraudulent accounts have not yet been removed from my credit report. This delay has severely affected my ability to obtain new credit, secure a vehicle, and even find suitable housing. 

I kindly request that you take immediate action to investigate this matter thoroughly and ensure the removal of the fraudulent accounts from my credit report. Additionally, I would appreciate your assistance in notifying all relevant parties involved, including XXXX XXXX XXXX, XXXX, and First Access XXXX XXXX XXXX, about the fraudulent nature of these accounts and the necessity for their immediate closure. 

Please find attached the certified mail receipts, police report, and FTC complaint for your perusal. I trust that you will treat this matter with utmost urgency and resolve it promptly. I eagerly await your response and appreciate your cooperation in rectifying this distressing situation. 

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

Please see my attached credit report and update the account you are reporting a late payment for in XX/XX/2021. This medical account was deferred due to a natural disaster which is noted in the comment section so I am confused as to why you are reporting this as late. I reached out to the creditor and they confirmed that the account should not be reporting late and that no one from XXXX reached out to do an investigation. I am demanding that this late payment is removed within 15 days. Please see my ID and credit report attached.
Product: Debt collection

I obtained a copy of my credit reports and discovered an account under Monterey Collections pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within XXXX days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]  Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Checking or savings account

My wallet was stolen on XX/XX/22 - XX/XX/22 my debt cards and identification cards were in there.That week my debt cards showed withdrawals of XXXX $ and also there was a fraudulent check being deposited in to my bank for XXXX $ from a branch from some random name I didnt recognize, with transactions from a gas station. I reported this to my bank and made a police report. One of my banks approved ( XXXX XXXX bank ) and the other bank ( Wells Fargo ) declined me for around XXXX $ for the reason of unpressurized information?. Which also charged me the fees. I called back and they explained that this were separate claims and can not be in the same claim so it would not allow me to have a successful claim. Police
Product: Credit reporting or other personal consumer reports

There are XXXX debts on my credit report, XXXX show up on XXXX, all XXXX show up on XXXX. These are medical debt that should no longer be in my credit or impacting my scores. I have disputed the debt through XXXX XXXX for XXXX and directly through XXXX numerous times since mid/late XXXX. I recently disputed these as well, each time my dispute is denied and the medical debt is never removed from my credit. All three of these debts belong to Elevate Recoveries LLC XXXX XXXX XXXX XXXX ). I have contacted them directly and they refuse to remove anything from my credit report.