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

TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

These accounts and inquiries are not done by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Best Service Company and XXXX XXXX XXXX is incorrectly and incompletely reporting on my XXXX, XXXX and XXXX XXXX report. I have never received any Dunning letters from either company outlining any of my rights as far as disputing the debt as a CA resident. I have already disputed these accounts that are reporting incorrectly and have received no response from my letter dated XX/XX/XXXX and XX/XX/XXXX from either company and the accounts are still there. I request that The Best Service Company and XXXX XXXX XXXX provide me with validation of the debt according the the FCRA. I am also requesting account level documentation proving that this accounts are mine and the method and procedure that you used to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX All have done Avery poor job updating accounts that either do not belong, not updating my score when balances are paid down or paid off. This has affected my chances of borrowing or getting a bank loan. Im tired and frustrated by the harm these agencies have caused.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. 

I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. 

I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. 

I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. 

In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud letter that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are in violation of FCRA because they didn't do a proper investigation. I sent them a letter telling them that they are in violation of USC1681B and they need to remove the accounts. I asked for a contract between me and Equifax showing that I gave them access to furnish the listed accounts on my letter to my consumer report. They failed to do so, so I need the accounts I listed on my letter removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the accounts listed below are reporting erroneously & are inaccurate.The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has reported to the credit bureaus false and inaccurate infortion that is damaging my credit and making me suffer along with im getting denied by landlords does not want to rent to me. This company is also violationf FCRA laws and trying to collect a debt they copies bill over a letter head paper 8 X11. I have proof that this company is not registered and does not does business in the state that there trying to collected a debt in which is another violation of my consumer rights. I have asked this company and the credit bureaus to show me proof of validation that i owe this debt to this company which continues to tell the credit bureaus they verified the debt but i never signed nor done business with this company nor have i gave them consent to do anything. 

I state below that i have proof to show my statement im writing is true. I also have and FTC reoport to show that this company stole my identity and trying to collect a debt from me which is another violation.
Product: Debt collection

The hacker attacked my PayPal account on XX/XX/2020 and they got all my credit cards and bank account ( checking and saving ) information that was linked to my PayPal account. 

I called PayPal right away when I realized that multiple unauthorized transactions happening on my credits cards, bank accounts ( wire transfer ), and purchases on my Paypal that were no processed by me. 

The amounts of money involved with this hacker attack was {$45000.00} wire transfer from my bank account, {$3600.00} and {$3400.00} of the transfers to another PayPal account, and several credit card charges. 

Paypal denied my claim ( dispute ) even though it was clearly unauthorized transactions.I appealed the case, and a couple hours later, I received the message that my claim was denied again. 

I phoned PayPal and they told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police, which I did already that these unauthorized activity happened on XX/XX/2020 Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that " Based on our review, we found this transaction is consistent with your PayPal payment history. '' I do not believe PayPal really investigated my claim. 

On the same day, I called all my banks that were linked to my PayPal account and told them to stop any payment from PayPal and also explained issues with PayPal. 

The banks actually did the investigations and I could get {$45000.00} back to my account, and the disputes on my credit card charges were also accepted and refunded me already. 

Now PayPal is sending me the message that I have the negative balance of {$3600.00}, which was one of the unauthorized transaction. The transaction looks like that I ordered laptop computer, which I never did and the XXXX tracking number on the transaction also shows it was delivered to my address. 

I called XXXX to find out why the tracking number seemed to be delivered and signed by me, and XXXX told me that the tracking number shows it was delivered to the same city I live, but it was not actually my address ( XXXX could not tell me the exact address it was delivered because it is personal information. ) After talking to XXXX, I called PayPal and explained the unauthorized transaction and the tracking number is also fake/fraud tracking number, and PayPal still told me they can not help anything about the negative balance and the case is closed, and I have to pay for the negative balance of {$3600.00} I have all the documents to prove the fraud and police report numbers. 

Also, I have 3 PayPal accounts and the hacker also moved around the money between the accounts, which made it more complicated to find out what's going on and where the money went when all the unauthorized transactions happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX  XXXX XXXX Balance : {$2800.00}.
Product: Money transfer, virtual currency, or money service

I am filling 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX/DOFED : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance is incorrect, this company has been adding illegal fees without proper notification, the date of late payment is inaccurate and the company failed to provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022, XXXX XXXX XXXX  falsely reported a collection/chargeoff on my credit. This account was fraudulently obtained. XXXX XXXX XXXX  is aware and a police report was created because my identity was stolen. The account since has not been removed.
Product: Credit card or prepaid card

Reference Capitol Account Statement XX/XX/2019 to XX/XX/2019 Capital One Acct XXXX XXXX XXXX XXXX charge XX/XX/2019 XXXX XXXX {$93.00} Capital One Acct XXXX XXXX XXXX XXXX charge XX/XX/2019 XXXX. XXXX charge XX/XX/2019 XXXX. XXXX charge XX/XX/2019 XXXX  XXXX. XXXX charge XX/XX/2019 XXXX. XXXX charge XX/XX/2019 XXXX XXXX. XXXX These appear to be cosmetic products. Perhaps for females. There is no prior history of any cosmetic products charged to my Capitol One Business account in the 5 years since the account has been opened. Nor have cosmetic products ever been ordered in any of my other credit card accounts. 

Upon receipt of this Capital One statement I phoned Capital One and stated the above charges were fraudulent. I have no knowledge of these products and have never done any transactions with these firms under any circumstances. There is no prior history of any cosmetic products from any source ever being purchased on my Capital One account. 

Since XX/XX/2019 I have made 4 or 5 telephone calls to Capital One totaling all together several hours. Attendants always promise to call back but never return calls. Capitol One continues to insist some of these charges were valid but consistently refuses to provide any evidence that they were either ordered or received at my address. Capitol One claims the provider told them packages were mailed to our address but have supplied no documentation that they were received. Capitol One claims the provider has access to my e-mail account. But many hundreds of firms and individual have such access. 

Today I spoke with a Manager who refused to give his name. He was insistent that since the provider said that they mailed out a package that in and of itself is proof of delivery. 
He admitted he had no evidence of any package actually being received at my address. 
He said he took the providers statement as factual that they actually mailed the package. 
So we are being charged for material not ordered and not received. 

Capitol One continues to send statements demanding payment for fraud charges. 
Last one received shows a balance of {$130.00} based on their refusing to recognize the XX/XX/XXXX XXXX XXXX  charge of XXXX as fraudulent plus late fees and interest payments. 

On XX/XX/2019 Capitol One sent A Recap of Your Recent Fraud Case stating that I was not responsibility for the XXXX XXXX XXXX charge of {$93.00}. And claimed they were crediting my account. Then they re-billed me. 

Capitol One said they will continue indefinitely billing me for these charges with escalating late and interest fees. Even though the account was closed several months ago when fraud charges first surfaced. No additional legitimate charges have been posted to the account since my fraud notice to Capitol One. 

The arrogance of Capitol One representatives handling this matter is frankly astonishing. In over 50 years experience dealing with major credit card companies I have never encountered anything remotely resembling such arrogance and indifference.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and it was items on there that didnt belong to me so I contacted my bank and had them to freeze all my accounts until further notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not let me login in to change email address on a Credit Freeze. The other two credit bureaus no problem
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A debt collector back on XX/XX/XXXX know as XXXX XXXX and I did not purchase so I contact the local company in XXXX and I contact XXXX XXXX and she stated the individual name was XXXX XXXX out of XXXX Tx. So this was not me at all .This is a constant back in fourth with Equifax and Formally known as XXXX XXXX. Old debt XX/XX/XXXX also they falsely claimed last payment XXXX and thats not true. I do not even drive lol ( due to XXXX  ) They did not have my address and this individual was in XXXX Tx. I have send police case number several time 's for the past 7 years. This is mental health draining. This has cause mental health issues now Im on medication due to this. They constantly post falsifying information. This collection did not even have the right name. That contract had XXXX. / information from XXXX Tx. Equifax has also failed to follow protocol on investigation. This has harm my credit tremendously. Also the hard inquiries I did not get permission to look or run my credit report. 120 points down SINCE XX/XX/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 I did not authorize my credit to pulled for no automobile. ( Due to XXXX ) When you Call Equifax you go through all different types of commotion to get someone on line. I have send mail over the years for these items to be deleted off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries Equifax ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the disputed inquiries on my credit report. Despite clearly stating in my initial complaint that this inquiry is unverified and unauthorized, I am disappointed to note that it still persists on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My

initial communication to LexisNexis was a written dispute of a Bankruptcy listed in my credit file. This entry is inaccurate and I requested procedure ( s ) used to verify this information as well as disclosure of who and where this information was obtained. I haven't received a response ( 30 days ), so I mailed a follow up letter via certified return receipt mail requesting a response as well as requesting the deletion of inaccurate names and addresses I found listed on my LexisNexis credit report. Initial and Follow Up letter attached.
Product: Debt collection

Earlier this year back in XX/XX/XXXX or XX/XX/XXXX of this year I made contact with General Revenue Corporation in regards to a debt I owe XXXX University for a semester 's tuition. I called General Revenue to set up a payment plan in regards to the debt I owe. Initially when calling them General Revenue asked for the full amount of {$3100.00}. I do not know the exact dollar amount, but it is an amount I nor no one I know has the funds to pay. Under the XXXX of the constant past phone calls and letters in the mail I went with the payment plan option I was offered. The plan was for an amount of {$190.00} to come out bi-weekly. Once I realized my mistake I immediately called back General Revenue to if not delete the payment plan negotiate for a much smaller amount that will not affect my bank account so heavily. Unfortunately I was too late everything was finalized and nothing else could be done outside of paying the full amount. 

The next day I immediately went to my bank to block access to General Revenue so the funds would not be taken from my account. I put an ACH withdrawal stop so the funds of {$190.00} would not be taken out as payment. Unfortunately earlier this week in checking my bank statements I could see a check had been cleared in the amount of {$190.00}. I called my bank to see why this had occurred and was informed that it seems the money was pulled directly from my checking account and not my debit card. At which point I realized I had mistakenly setup the payment plan with General Revenue using my checking account number and not my debit card.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding their persistent failure to remove fraudulent items from my credit report. Despite my repeated attempts to resolve these issues, totaling XXXX separate requests, the credit bureau/institution has not taken the necessary actions to remove the fraudulent entries. I have provided extensive documentation to support my claims, including an FTC Identity Theft Report, police reports, and correspondence from creditors confirming that these entries are fraudulent. Despite providing evidence that these accounts were fraudulently opened, they remain incorrectly reported on my credit report. I trust that that you will take swift and decisive action to resolve this matter. I have enclosed copies of all correspondence and documentation related to my disputes for your review. The following items should be remove as soon as possible : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XX/XX/year> XXXX. XXXX XXXXXX/XX/year>.