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

My Experian credit report shows increasing charges each month from SYNCB/PPC for delinquent payments for an account which I do not own. I opened an account with Pay Pal back in XXXX but was never able to get it to work. That is the only account I have ever opened with Pay Pal. When I spoke to XXXX, they said this account was opened in XXXX. That was NOT me. It has caused my excellent credit score to plummet. I contacted the number associated with this report and SYNCB/PPC and was told by multiple people that they didn't know what this was because I have a balance of XXXX  . I have filed a fraud alert with XXXX. I also contacted XXXX again yesterday and talked with a lady because now the XXXX report shows the the payment status is Charged off. The XXXX lady said that would also bring my credit score down. I am at my wits end. I have tried everything I know to resolve this issue. I have always maintained a excellent credit score until this mess started. I have also contacted my bank and asked them to check into what I needed to do. She has tried several avenues and has had no luck figuring this out. Please help!!!!!! Another thing that is very interesting about this is that I have never received a bill or a statement or any communications about these charges until it started showing up on my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a firm believer that credit reporting agency is retaliating against me for filing a complaint against them. 

On XX/XX/2022, my credit score was XXXX. As I continued to pay down the debt I owed it was trending upwards. 

On XX/XX/2022, my credit score randomly dropped by a total of XXXX pts. My score went from a XXXX to XXXX. 

On XX/XX/2022, my credit score rose by XXXX. From XXXX to XXXX. 

This made absolutely no sense because I was paying down all my debts to my creditors. My score should have increased dramatically not decreased. On top of that I did not have any new inquires, collections, account creations or an increase in my credit utilization. I looked through my report and there was no plausible reasoning as to why my credit score was decreased. 

As you can see the reporting is extremely broken and needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : $ XXXXIm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C XXXX the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App 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 seek appropriate redress from these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX a company - XXXX XXXX in XXXX, Oklahoma - charged my BOA Visa {$3000.00}. I had made a purchase with that company earlier that year & they kept my card info on file! When I contacted the company they issued a credit on XX/XX/XXXX, but on that same day that amount was charged again! XXXX XXXX said it was a mistake made by my credit card company. They told me it was my problem to deal with ( even though they initiated the problem with the initial false charge ) Over the last 10 months I have made several calls to BOA. The last two reps I spoke with said it was a glitch in the system and the charge would be removed. That hasn't happened. I closed the account, but continue to get billed for the amount plus interest and late fees. It is extremely frustrating as every time I call, I'm always directed to someone new, so I have to begin all over with the history of the problem. They never provide proof of what they tell me regarding the removal of the false charge. I've spent a so much valuable time on this with absolutely no help from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma and XXXX have been found liable to inaccurate information and false approval offers. To which they are still doing and not removing inquiries. I have multiple hard inquiries due to credit Karma & XXXX false approvals lowering my credit rating and increasing my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX  {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXXXXXX Date filed XX/XX/XXXX Identification number : XXXX ; XXXX XXXXXXXX .... Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV 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
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute. 

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Creditor and Account : XXXX XXXX acct # XXXX HAS violated my rights. 

15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.
Product: Money transfer, virtual currency, or money service

I was called by a fake police scammer that threatened to warrant my arrest or I could pay a fine to go through a process to clear my name. I was tricked into sending about XXXX $ to a XXXX XXXX, and the next day they tried to urge me to send them even more money. That's when I hung up the phone and found out from the official police dispatcher that I was being scammed. I contacted my bank to let them know and I also had filed a report to the Police Department. They called me initially on XX/XX/XXXX at around XXXX and they called me again for this issue at XXXX on XX/XX/XXXX. I am affiliated with Bank of America and they said they were gon na open a fraud case for me and have XXXX investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion about a late payment from my XXXX XXXX credit account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 120 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. I sent them letter requesting to reinvestigate several times no response as of yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign up for Experian credit monitoring service. I went online to get my credit report. The box asking me if I would like to sign up for the monitoring service was automatically checked with the application. I unchecked it. I called Experian and I explained to them that I did not sign up for the monitoring service. They refuse to refund me for the fraudulent taking of money out of my account in  XXXX  and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account name IQ DATA INTERNATIONAL Account number XXXX Date opened XX/XX/2023 Status Collection account. 
{$15.00}, XXXX past due as of XX/XX/2023. 

Status updated XX/XX/2023 Balance {$16000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$15000.00} The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G,  all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States XXXX court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States XXXX Court that they do NOT report any items to any credit agency and that XXXXredit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Dated : XX/XX/2021 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX  for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX  complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.
Product: Debt collection

I am filing to dispute all inaccuracies on my credit report with Equifax
Product: Credit reporting

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.