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

Ive called every credit inquiry I dont recognize. They all said to let XXXX  know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXX XXXX taken off as well as all the hard inquiries from the ones I didnt put there I would like them off experian ... XXXX  ... and XXXX. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

This was my 11th complaint already and I only NEED these four items removed from my XXXX and TransUnion credit reports, and that's what I need, the REMOVAL of these items I listed in this complaint. I have listed these items in my previous complaint dated XX/XX/XXXX and XX/XX/XXXX but neither among the items were removed by the Credit Bureaus. This time I am earnestly hopeful that the XXXX and TransUnion Credit Bureaus will remove this items that I know were not mine nor was opened or authorized by me : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to make a XXXX transfer as a deposit for a rental and contract I signed. I entered the information as required and processed the transfer and was provided a message via my email from Truist Bank that there was a hold on the transaction. I have sent money before without a hold and while this is a new transfer I needed this to go through timely. 

In an email from Truist about the hold received the same day it said the following : Recipient : Rich Amount : {$1000.00} Date sent : XXXX XXXX Memo : Deposit for unit XXXX Payment ID : XXXX If you have any questions about this transaction, please call us XXXX at XXXX ( XXXX ) for assistance. 

I called the number referenced above and was put into their automated system, when I attempted to try to speak with an agent at approximately XXXX a recorded message said it as outside of bank hours- although the message in the email said to call with questions XXXX. Also there was no automated option on a transfer. This is not the first issue I've had with Truist and their vey poor service which has now created problems for me trying to access and make a payment for a rental. At this point I do not know when this will be resolved and whether or not I will lose the rental I'm trying to secure because Truist has not processed my request and there is apparently no one to even speak to until Monday.
Product: Debt collection

Myself and several family members received calls about this debt from XXXX on behalf of Cash Central stating they Order of vocation {$1000.00} court cost legal fees XXXX XXXX Threatening to sue me and take me to court and I requested to have a cease and desist for contacting family members and they would not accept it and they continued to threaten and harass me and family numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file, it shows that I only have a credit history of XXXX, which is inaccurate. I have a XXXX XXXX Credit Card that is still active and current and was opened on XX/XX/2003. It is my oldest credit account and has been opened for over a decade. Attached I have is a copy of the account ( circled XXXX the account number and the date it was opened. It's a copy from XXXX, but it shows on all three of my reports.
Product: Credit card

Chase Bank is reporting inaccurate information regarding the date of last payment to XXXX ( Report XXXX, dated XXXX XXXX, 2016 ) and XXXX on XXXX accounts ( XXXX ) and ( XXXX ). The date of last payment is showing as XXXX 2016 ; however, the actual date is XXXX or XXXX 2016, according to my recollection. 
On XXXX XXXX, 2016, I called Chase to discuss the XXXX accounts, at XXXX XXXX XXXX XXXX XXXX, the number on my XXXX report. I spoke with XXXX ( no id number ), who transferred me to ( XXXX XXXX XXXX XXXX. 
I spoke with XXXX XXXX XXXX XXXX regarding this matter. She stated Chase is no longer reporting ; however, I advised that their prior reporting from XXXX is still showing on my credit reports. 
XXXX stated they could send an " update '' asking the credit reporting agencies to check the agencies ' own records to see if they were reporting the date of last payment correct. I advised that would not accomplish anything, as I had disputed this previously directly with the credit bureaus unsuccessfully. 
I asked if Chase could check their own records to see what date of last payment they had in their own statement records of the account, and they refused to do so, stating that the records had been provided to XXXX and I would have to contact XXXX. 
Either Chase has these records, but refuses to confirm the information internally ; or Chase is continuing to report information despite having no documents to support the information. 
I also spoke with XXXX, supervisor, Chase XXXX XXXX XXXX, who reiterated the same information that XXXX had stated. The connection was very bad and he stated he could not hear me. I advised I would file this complaint.
Product: Money transfer, virtual currency, or money service

While my funds ( XXXX php ) are on hold, Paypal decided to permanently ban my account on XX/XX/2023 because of allegedly selling of XXXX oriented materials or services, which I didn't and I never did my entire life. I am selling my graphic designs, logos, for clients to post on their social media pages and it's so far from their accusations. 
I called them multiple times to resolve this issue, I even spoke with the supervisor but they kept on insisting that there's nothing they can do about it. 
They really made a mistake for banning my account, aside from that, they hold my money that is not supposed to be hold anymore. Please help me with this.
Product: Credit reporting or other personal consumer reports

RE : Account # To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine
Product: Checking or savings account

I opened a Citigold account with Citibank in XX/XX/2018. I opened the account due to the promotional offer of opening up an account, completing certain activities and receiving a {$700.00} cash bonus. The activities as advertised on the advert where complete ( 1 ) {$1000.00} or higher ATM card purchase, complete ( 2 ) bill pays ( 1 ) per month for the first ( 2 ) months. 

I completed the ATM purchase on XX/XX/XXXX for the amount of XXXX. I completed the first bill pay on XX/XX/XXXX for XXXX, and I completed the second bill pay on XX/XX/XXXX for XXXX. 

On XX/XX/XXXX I called Citi in regards to the bonus, and they stated that I had not completed one bill pay. Apparently the bill pay towards my Citi CreditCard did not count. When I opened the account, I was not told that any payment to my Citi Credit Cards from this account would not be valid. 

I proceeded to close my account to the fraudulent advertisement that I received.
Product: Credit card

Initially back on XX/XX/XXXX I went for a consultation for a service so instead of pre approval they charged the entire service to the card. I contacted care credit and advised the service hadnt been rendered and at the time I wasnt sure XXXX continue with the doctor due to time conflicts. Well that portion got worked out but I inquired can I be billed as I go. They never adjusted. I got service XXXX of XXXX. We on a path to get the services all completed but care credit never adjusted the charges. I put in another dispute because the doctor had no back up and will be out the office and I found another dr that will be treating me. So all my services are not complete and they still havent adjust the bill.
Product: Credit card

I have XXXX XXXX  XXXX I been in and out of the hospital with my XXXXXXXX XXXX someone used my credit cards authorize Im a victim of fraud the cards that was used was my Macys card, capital one, Credit one I did not make the charges and would like them removed from my credit report please
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the alleged late payments reported by Discover on my credit report. I demand the immediate removal of these erroneous remarks, as they violate several of my rights under federal consumer protection laws, specifically under 15 U.S.C. 1666b and related provisions.

1. Violation of 15 U.S.C. 1666b Timely Notice Requirement Under 15 U.S.C. 1666b, creditors must provide written notice to the consumer at least 21 days before reporting any alleged delinquency. In this instance, I never received any such notice from Discover prior to them reporting these alleged late payments on my credit report. This failure to provide timely notification directly violates my rights, rendering the reported late payments unlawful and unenforceable. Discovers failure to follow this statutory requirement demonstrates a disregard for federal law and consumer protections, necessitating the immediate removal of these derogatory marks.

2. Failure to Remedy Dispute FCRA Non-Compliance This is not the first time I have raised concerns about these erroneous late payments. Previously, I addressed this issue directly with Discover, and they responded by adding the remark, " Account information disputed by the consumer, meets FCRA requirements, '' to my credit report. This response is both insufficient and evasive. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i obligates Discover to conduct a thorough investigation and correct any inaccurate or incomplete information. By failing to resolve the dispute and instead relying on an insufficient generic statement, Discover remains in violation of the FCRA. This further compels the removal of these inaccurate late payment reports.

3. Verifiability of Information Under FCRA 1681e ( b ), credit reporting agencies and furnishers must ensure that all information reported is accurate and verifiable. The alleged late payments in question remain unverified and unjustified, as Discover has failed to provide any verifiable evidence to support these claims. Their inability to remedy this issue or offer legitimate proof of delinquency calls into question the reliability of this information. I demand that the CFPB enforce Discovers legal obligations to remove these unverifiable and incorrect late payments from my credit report.

4. Impact of False and Defamatory Information The false reporting of late payments has caused significant damage to my credit score, which can result in financial harm and reputational damage. These actions, especially after I have formally disputed the account, amount to potential defamation, in violation of my rights under FCRA 1681h ( e ), which provides protection against false and inaccurate reporting that could cause harm to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
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 these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) CONSUMER ADJUSTMENT CO ( XXXX XXXX XXXX ) SEE  ATTACHMENT 3 ) XXXX XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV
form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a very hard time to get access to a dispute specialist over the phone. I had tried many calls to them over the course of 3 days to reach someone. FInally after selecting the credit report prompt I was able to follow to prompt to a specialist.

Once on the line with the specialist I was constantly asked the same question that I was disputing information regarding.

The specialist did not appear to want to help me the consumer but more so protect the company. The inaccurate reporting I informed the specialists I had documentation regarding she continued to ask the same question after I stated it was not correct. Finally I was given a separate link to use which also did not accept the upload of the supporting docs. 

There is an account for XXXX  XXXX XXXX that I do not have a contract of service for. This account has been placed by 2 other agencies and is now with a third and has been removed twice before. This account should have been removed and checked before placing. I should not have to work hard after the placing of the account as a specialist should have seen this account was deleted twice before and now it is being placed again now that it has been sold. 

There is a Bankruptcy reporting which has to be verified via the source and the US Bankruptcy court has noticing on the website which states they do not report to any CRA. Since all reporting has to come from the source this account is also not reported accurately as XXXX XXXX is not the source and PACER is not a source so therefor the Bankruptcy should be removed due to the account can not be verified via the Federal Court reporting the record.
Product: Credit reporting

Transunion is reporting wrong information in my credit report they are reporting and account that does not belong to me is from a collection company that is probably braking tha law also by reporting wrong information on people 's files to see if they can damage their credit without actually investigating if the account belongs to that particular consumer. 
The name of this collection company That I have never hear of is MONTEREY collection svc.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts : 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 XXXXXX/XX/XXXX To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy.

If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Equifax security breach my score went down by 55 points.
Product: Debt collection

XX/XX/2024, I received a notification that a derogatory mark was placed on my credit report. Prior to XX/XX/XXXX, I had no knowledge of this debt. Ive never received an email, voicemail or mail communication to my current address and/or telephone number. 
During my search for the origin of this debt, I was told that this bill was from a XXXX  I had a year  ago at the XXXX XXXX and XXXX XXXX XXXX XXXX. I, then, proceeded to call my medical insurance company, XXXX XXXX XXXX XXXX, to verify this unpaid claim with their medical claims department. The representative at XXXX relied to me that this claim was never filed with them. She stated that my insurance was valid at the time of my XXXX  and that all my insurance claims for my XXXX  were paid at 100 %. There is no history documented for this bill. I offered telephone numbers of the XXXX XXXX and XXXX XXXX XXXX XXXX to the XXXX representative to find a solution between the medical team and my insurer. The XXXX representative called all numbers and left voicemails. Theres been no response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am left with no resolution. I am being punished for a debt I had no knowledge of and my credit report has been negatively impacted. I pride myself highly on maintaining exceptional credit, and Ive done so for over 30 years. This derogatory mark has since dropped my credit score over XXXX points.
Product: Debt collection

I get calls about three times per day. Sometimes will pick up. I have once told them to stop calling. The company will call from different numbers and let me know the call is being recorded but will not let me know who is calling. I let them know to stop contacting me a couple times in the early stages of the collection process because I have not received any information verifying the debt or anything but they refuse to take me off their list. Even if I answer the phone they will call later on in the evening usually to try again. I have screenshots of every time and day they call and have blocked several of their numbers to stop the annoyance but it continues.
Product: Mortgage

My wife and I Bought a condo in XXXX and the mortgage was sold to Wells Fargo. In XXXX we tried to refinance and or take off the PMI. Wells Fargo under value the appraisal and would not removed the PMI. Further, they refused to offer us a lower interest rate. We ended up selling the condo in XXXX at a lost.