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

The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. Transunion has been contacted multiple times and there has been no update provided on the status of this report.
Product: Checking or savings account

My Wells Fargo account was closed due to identity theft and instead of the fraud department assisting me I was charged over and over for things I never did many times
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

OnXX/XX/XXXX I received a call from a person claiming to be from a collection agency asking me to verify my social and birthday. I asked the lady who she was and what company she was calling me on behalf of. She said ICS Collection Service and before she could tell me anything else I needed to give her my social and date of birth. I told her that I can not just give my social out because people are scamming. She very rudely told me that I owed money and she needed to verify it was me before she could tell me to whom. I hung up and called the number back to see what the call was about. I was told that a medical bill was sent to their office for non payment from the XXXX XXXX for XXXX in XXXX one month before the pandemic hit. I told the guy that I have insurance and that I had not received any calls or mail stating that I owed any money to the XXXX XXXX. At that time he verified the address that they had was indeed wrong. I asked him at that time to please send me this bill so that I can send it to my insurance company. On today 's date XXXX, not even 30 days later I receive notice from XXXX  that this collection agency has flagged my credit in collection. I have GOOD credit and pay all of my debt in full every month. I worked very hard through the pandemic to ensure that everyone gets paid. I was not given fair notice, time, or the opportunity to settle this debt before this collection company placed it on my credit.
Product: Debt collection

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I authorized this dispute to address several violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws related to my credit report. These issues include : Willful Noncompliance ( FCRA Section 616 ) : You accepted and reported credit information without verifying its accuracy, violating FCRA rules.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : You did not inform me of my right to opt out of sharing personal information, misleading and violating my rights.

Furnishing Deceptive Forms ( FCRA Section 623 ) : Inaccurate accounts and inquiries were reported without validation.

Debt Collection Practices Act Violations : Unfair and harassing practices occurred, including reporting inaccurate debts and contacting third parties improperly. 
Misrepresentation of Late Payments : " Late payments '' were reported inaccurately without clear definitions. 
Finance Charge Errors : You failed to determine finance charges accurately. 
Unlawful Reporting Without Consent : You reported information without my written authorization, breaching permissible purposes under the FCRA. 
I have detailed specific accounts that require validation under 15 U.S. Code 1692g, including proof of original contracts or applications bearing my signature. Failure to provide proper validation will require these entries to be deleted as mandated by law. Additionally, for several accounts, I demand corrections to ensure accurate reporting, such as updating late payments to " paid as agreed. '' I expect immediate resolution of these violations and deletion of unverified or inaccurate information from my credit report. If these issues are not resolved promptly, I am prepared to pursue legal remedies as allowed by the FCRA and other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the negative items listed below be removed from my credit report immediately. The negative items are as follows : XXXX XXXX XXXX, and XXXX. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently suffered a major data breach, which has put consumers ' sensitive financial information at risk. Due to this breach, I have reason to believe that the negative items on my credit report may not be accurate, and I request that they be removed as soon as possible.

I also want to bring to your attention that the continued reporting of these negative items may be in violation of US Code 1681 I, which requires that credit reporting agencies only report information that is accurate and verifiable. Given the potential inaccuracies caused by the CFPB breach, I believe that it is appropriate to remove these negative items from my credit report. 

I hope that you will take prompt action to investigate these negative items and remove them from my credit report if they are found to be inaccurate. Please inform me of your findings and any actions taken to correct my credit report. 

Thank you for your attention to this matter.
Product: Debt collection

Dear CFPB, On XX/XX/XXXX I received a collection bill from XXXX XXXX XXXX, XXXX in the amount of {$280.00}. The alleged balance was for a credit card from XXXX XXXX XXXX  that has been removed from my credit reports because of failing to provide proof the account belonged to me. The account did not belong to me and XXXX XXXX did not provide any documents as proof as requested by the FCRA so the account was removed from all three credit bureaus on my credit report. When XXXX   XXXX  XXXX, XXXX sent me the collection bill within the 30 days time frame I replied with a request for validation as my right under the Fair Debt Collection Practices. XXXX XXXX  XXXX, XXXX did not send me such proof, and on XX/XX/XXXX ( almost 4 months later ) reported the alleged collection account to all three bureaus on my credit report. I have sent Letters to the three major credit bureaus as well requesting the account be validated, all they do is send me a notice back saying it was verified but no one seems to send proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.
Product: Debt collection

According to 15 U.S.C. 1692C you have violated my rights by in lawful communications. Please remove this account from my credit report. Thank You
Product: Money transfers

On XX/XX/XXXX, my PayPal account was hacked twice, for {$60.00} and {$200.00}. Not only did I and do I not know whoever did this, but the email address that hacked me managed to change during the money retrieval process. the The {$60.00} payment went through, but the {$200.00} did not, as I did not have enough money in that particular bank account at that time. After filing a fraudulent transaction report, PayPal said that the payments were not fraudulent, according to their algorithm/the location, and that I just needed to contact the " seller '' ( who I do n't know/does n't exist ). I called PayPal and they told me to contact my bank, and that there was nothing more they could do. The bank reversed the {$60.00} payment and blocked PayPal, but in the meantime, PayPal withdrew the {$200.00} payment out of my PayPal account. I have tried to call, and was told that " people open fake accounts all the time to try to get money from PayPal '' ( never mind that I 've had a PayPal account for over a decade ) and that there was no one I could talk to other than the customer service representative, so as a client, I have zero recourse. I tried sending messages to PayPal, and only received canned automatic responses. During the second aforementioned phone call, I initiated a " repeal '' to no avail, as PayPal will not update the " we will get back to you in 2 business days '' page, so I can not upload the additional identity verification documents that were requested via email. As PayPal has a monopoly of sorts, it 's " understandable '' that they do n't particularly care about their customers, but it 's hard to believe that I have zero recourse to protect myself when sensitive financial matters are concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went to Carmax simply to browse vehicles, I noticed a XXXX XXXX that caught my eye and decided to take it for a test drive. When I came back from the test drive the sales representative asked if I would like to see the numbers. Upon doing so she ensued to run a hard credit inquiry on all three of my bureaus with multiple institutions ( XXXX inquiries on XXXX XXXX XXXX, and XXXX on XXXX. ) The representative didnt ask for my consent to pull my credit for XXXX inquiry let alone XXXX.
Product: Credit card or prepaid card

My credit card was stolen on XX/XX/XXXX or XXXX off 2021 and the person applied four or five charges that totaled about {$350.00}. I talked with Citibank fraud department and explain the situation as they were the ones that informed me that my credit card was probably stolen. They sent me a message on my app asking if my credit card was in my wallet. I opened my wallet and found it was not there thanks to them I was able to close the account. The problem is a few days later someone came to the shop and said they found my credit card in the parking lot. I explained this to Citibank fraud department and they assume that sense the person returned it that it was in my possession the whole time. I explained over and over that the card was stolen it shows getting gas at one place twice in one day. I even filed a police report to help Citibank fraud department believe me. They said they would get back with me and they never did 2 months went by so I finally called them back and I'm still having the same issue with Citibank. They just pretty much blew me off and want me to pay for the charges that I did not apply to my credit card I did everything in my control to get them to believe me but to no avail they believe that I am lying. I've never had such a problem with a credit card company and my credit is excellent I have no reason to lie about some charges as I paid all the other charges that were applied to the card except for those that I know that are not mine. I'm out of ideas this is why I have to call you to get some help with this issue. Thank you and I look forward to hearing back from you
Product: Credit card

I was automatically converted from my XXXX Costco card to a Citibank XXXX XXXX card back in XXXX. I received no communication from either company, other than a termination letter from XXXX and a welcome packed from Citibank. The welcome packet contained the terms of the card, which clearly state that there are 12 months interest free on all purchases. There is no fine print stating that is not the case when the card was converted from XXXX, and there was no communication from Citibank that they would not be honoring their own agreement that was sent to their new customers. Talk about starting off a new relationship on the wring foot. As a consumer, I feel cheated and that Citibank purposely misrepresented this information to their customers to incite purchases for which they never intented to honor interest free promotions. This is a classic bait and switch marketing technique that should not be allowed. This is illegal and predatory behavior. I envision a class action suit in the near future for this and other woes encountered when the cards were transferred without consumer consent and any type of honest communication about the terms of the new agreement. Citibank should be ashamed of these practices, did these institutions learn nothing from the collapse they caused barely less than a decade ago??? I contacted customer service of course, and was granted relief on ONE month 's interest. But that does not help me because I had planned to pay off this balance over the 12 months I was promised. So now I will be incurring interest this entire year that will perpetuate the cycle of debt. Way to go, Citibank! You duped even a responsible financial customer.
Product: Credit reporting or other personal consumer reports

I had home remodel. The Salesman visited me on XX/XX/23 and later that evening called to ask for income info. He applied for 2 loans in my name. I was denied and the other a finance company approved it. I never had any contact with either company. 
I did not ask or was told all he was doing. The finance company paid him {$25000.00} and I still do not know what he agreed to. I have a monthly bill of {$470.00} a month at 13.50 % interest. I see Realestate loan, I see Auto loan, I see secured loan. I don't know if it's fixed, variable or balloon. I have paid it twice and don't know what was on the application. I never saw and don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/XXXX XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX To whom it may concern, We're filing this complaint in the hopes that you will assist us with our final loan modification, with Selene Finance. we were approved for a Trial Payment Plan- a SIX MONTH plan- on XX/XX/XXXX. We have made each of the six payments on or ahead of schedule and have been trying to get final Modification approval information from Selene, since XX/XX/XXXX. 
We've spoken with them FIFTEEN times over the last six weeks and still no update. Not only has their story repeatedly changed and then intentionally missguiding, on every phone call, we were reminded that we should continue to make the trial payment that we agreed to last XXXX. Given that our Trial Payment Plan, was for a period of six months, we are not legally responsible to continue making payments unless a NEW Agreement is reached. Not only this, but Selene has a  history of forcing homeowners to continue making payments after successfully completing a trial modification plan and never modifying their loan. 
We also requested and received a complete Loan History printout and noticed numerous exorbitant charges over the last five years. Selene has yet to been able to provide us with an individual to discuss this with, let alone to explain these charges. It's our understanding that Selene is acting extremely litigious and not following Federal Compliance guidelines with regards to servicing our loan and this modification. 
I've attached all notes from our calls, beginning in XXXX, to this complaint and we are requesting that this matter be resolved as soon as possible. We simply wish to return to good faith payments and put this whole ordeal behind us. 

Thank you for your assistance and I'm available anytime at XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THROUGH XXXX DATA BREACH AND XXXX XXXX DATA BREACH ATTACHED IS A COPY OF MY IDENTITY THEFT REPORT WITH ALL FRAUDULENT INQUIRIES AND ACCOUNTS LISTED FRAUDULENT EXPERIAN ACCOUNTS AND INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX {$960.00} Account # XXXX Fraudulent Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year>
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 accounts 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 accounts 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 accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX  XXXX CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$41.00} EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX SXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX : XXXX XXXX  XXXX CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX  XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} - XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$410.00} XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XXXX CARD XXXX Open Date XX/XX/XXXX XXXX : {$1500.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Transworld Systems Inc. sent me a collection bill that was paid on time and in full XX/XX/2021. TSI is demanding I pay in installments on a bill that was never late and has XXXX balance.
Product: Vehicle loan or lease

I financed a XXXX XXXX with Coastall Credit LLC in XX/XX/XXXX. I got out of the military on XX/XX/XXXX on an XXXX XXXX XXXX quickly and unexpectedly. I made the XX/XX/XXXX payment. For XX/XX/XXXX, I informed the company that my va XXXX from the military would be later than usual due to the circumstances. The lady told me that it would n't be an issue. I got notified that I would receive my money XX/XX/XXXX. I informed the lady at the company that it would be in on XX/XX/XXXX. On the morning of XX/XX/XXXX at XXXX, a repo company, came and repossessed the vehicle. When I called the company, the lady told me that I violated my contract with coastal credit by getting out of the military and that 's why she was repossessing the vehicle. None if the paperwork I signed said that I had to be in the military to keep the car loan. The car was sold at an auction and the remaining balance placed on my credit report. I have filed multiple disputes and the company continues to hold the account on my credit. Recently as of XX/XX/XXXX. Coastal credit union changed the amount owed from XXXX roughly to 13,000+. The car was unfairly repossessed. And the balance is remaining on my credit report destroying all possibility of getting a, new car. On top of all that, the company continues to sporadically conduct inquiries to my credit report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports?