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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage servicing was switched to SLS loan serving from XXXX on XX/XX/XXXX. It is XX/XX/XXXX and I have requested an inspection for my home loss since they serviced the loan. I was told after almost 4 months they are still trying to find one in my area. In the mean I am sleeping on a couch because my home is not livable. I have a chronic illness that makes me sensitive to all construction type materials. I was in the midst of recovering and I am not out of the woods yet, but they could care less about that. I pay my mortgage before the 1st every month XXXX and I have funded most of this project prior to any draws being submitted to get it done quickly. It will be 5months and no inspection so I can get the money that my insurance company paid me to complete my home of 15 years. Every time they call me I get the run around I am sick at this point and obviously forced to continue to fund my own 6 digit loss. I want to stop them from causing me and anyone else any further anguish. Weve already been displaced and our lives have been turned upside to a loss that we didnt see coming. Why must they continue to take their customers through these type of criminal practices. The bottom line is who ever owns the loans is holding our money for their own interest and XXXX should be ashamed for dealing with these kind of servicers. SLS loan servicing loss draft department are literally criminal and they play with peoples lives. Something has got to be done!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.This inaccurate fraudulent account that's showing on my credit report is XXXX XXXX XXXX that needs to be removed.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been contacting XXXX, Transunion and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULEN ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Payday loan, title loan, or personal loan

I went through the XXXX XXXX XXXX XXXX, financed through CitizensOne, using the retailed XXXX, and I was supposed to receive this item on Thursday, XX/XX/XXXX. I did not receive the items or an email explaining what was happening from CitizensOne, XXXX, or XXXX. 

I then checked my credit limit with CitizensOnes. It went from {$1900.00} available to {$2500.00} available on the 1st. I emailed several times to see what was happening and if XXXX cancelled me order. Again no answer. Now my line of credit took a hard inquiry for this and I can not cancel because XXXX XXXX XXXX  will only do returns. CitizensOne wont cancel because they see no order. 

I am not the only one encountering these issues. See XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX I have received no communication from CitizensOne despite multiple attempts to contact them. I have received not a single update from CitizensOne since the order was placed on XX/XX/XXXX. The Estimated Arrives By date for my order still states XX/XX/2021. Every service I attempt to contact points me to a different service saying they can not assist, and I am incredibly frustrated with all of it. CitizensOne placed a hard inquiry on my credit report that has proven to do nothing for me as I was not even given the product that the hard inquiry was for.
Product: Credit card or prepaid card

To Whom it may concern, This is a complaint against Citibank for failing to properly investigate the disputes on my account ending in XXXX. 
The organization did not properly investigate the issue and made the decision to close my account due to one or more returned payments in the past six months. The payment they were referring to was in the amount of {$3400.00} made on XX/XX/XXXX Pay by phone ACH from a XXXX XXXX XXXX Account. I never made this payment and don't own a XXXX  checking account. O called Citibank numerous times and they failed to take any action- instead I was transferred from one department to another speaking with several agents that were not in the position to assist. This was a fraudulent transaction which was later removed. In XX/XX/XXXX I've sent a letter to dispute their decision and I didn't receive any response. Subsequently, I send an email with the documentation on XX/XX/XXXX to XXXX, ATTN. XXXX XXXX, dispute analyst. 
Please see more details attached.
Product: Credit reporting or other personal consumer reports

The financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$170.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$110.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602A states that 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 written instructions.

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

On XX/XX/2021 at XXXX CA time, I called Transunion and spoke with the first phone rep and advice that I filed a dispute on an collect that has been paid since XX/XX/2021 and that the company said they reported it to then on XX/XX/XXXX XXXX And I filed a dispute on XX/XX/XXXX because it was still showing but when I filed the dispute there system didn't give me an option to up load documents showing proof it was paid and closed. And that I had spoke to another rep that advice to me on XX/XX/XXXX when I filed the dispute that I can still upload and he would transfer me to the department that could help me and then I was transfer and then the system advice that since the wait was long I could get a call back and I opt for that but never got a call back and this is why I was calling today. The rep advice me that I have to mail it in because there is no way that this can be done, I question him because of the last rep advice I could and I have done this before through there website when I file dispute before and he keep advice that I was wrong and that mailing in the proof was the only way. I advice that I would like to speck to a supervisor but eh advice that I didn't need one and that he could help me. I advice he couldn't and I wanted a supervisor he keep telling me no I couldn't have one. In tell after 3 mint if asking he finely gave me one. He cold transfer me and I had to explain and give all my information over again. And this supervisor did what the last one did and said I was wrong and that this is how it is. I asked to speck to his supervisor and he advise that he could help me and that I didn't need one. I explained he couldn't help and I would like a supervisor and finally after this he cold transfer me to anther supervisor. This supervisor advice that she could cancel the dispute and I can refile it and then the system should let me upload the information and if it doesn't then call then back. TransUnion is prohibiting me from filing my dispute and is not letting me give them information to show I paid this off and they are the only credit bureau that is reporting this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

This account was reported as a collection on the following XXXX I lost my wallet which had all my personal information years ago Ive been expieriencing things like this, I have no knowledge of this acct. 
This inaccurate information falsely manipulates the statute of limitations. Therefore has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Paypal online message exchange below indicates the issue : PayPal XXXX XXXX Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. 

If I can't help, I'll transfer your message to an agent. 

XXXX XXXX XXXX  Transfer message to agent PayPal XXXX XXXX Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. 

Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 

XXXX XXXX XXXX Yes PayPal XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 

XXXX XXXX XXXX Do not ever make changes to my account payment or opt me in for " other '' payment services such as XXXX XXXX You points which you did today in an e-mail I received. This is wrong. 

XXXX XXXX Hello! My name is XXXX and welcome to PayPal XXXX! I can see that you are contacting us because you do not want us to make changes in your account. I apologize for the inconvenience. I understand that you receive an email notifying that you can now use your XXXX Thank You points. Rest assure that there will be no changes that will be on your account and we do not do it without your authorization. The message you receive is simply to notify that you can use your XXXX point in making a purchase. 
Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX XXXX XXXX Thank you for your rapid response. I do not agree with it, and request Paypal not link into my account other payment methods. According to a review of my account today, an alternate payment methods on my linked XXXX credit card showed I could make payments with points using that credit card. Since the linked in option showed how many points I had with that credit card that could be used, unauthorized financial information was exchanged between XXXX and Paypal without my agreement. Your reply does not indicate Paypal will stop doing this, so I am taking additional action. Please reconsider what you are doing in this matter.
Product: Credit reporting or other personal consumer reports

The company called XACTUS ran my credit 7 times without my authorization I dont understand what is wrong with this people I dont even know them
Product: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 tems which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.