23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization ccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_DISCOVER Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account Name_XXXX XXXX______________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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 XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a XXXX in the amount of {$100000.00} from PayPal on Thursday XX/XX/XXXX that is a fraud account that someone used my name to open The Theft was by someone opening a PayPal account in my name in or around XX/XX/XXXX and I found out about it when I received a XXXX from PayPal with the amount that showed {$100000.00} had been alleged paid to me over a 2 month span in XXXX and XXXX of XXXX, I promptly called PayPal and turned it in as fraud! On Thursday XX/XX/XXXX. 
I also called PayPal on or about XXXX and filled out a FTC XXXX report on XX/XX/XXXX and sent a letter to PayPal with no response and called again on or about XX/XX/XXXX with them saying they couldnt find the account number, the company has not responded to me to date .I have filled out a police report on XX/XX/XXXX with my local police and my CPA says it needs reported by PayPal XXXX the FBI XXXX just need a corrected XXXX sent to me and the IRS XXXX XXXX filled in XXXX am a XXXX XXXX XXXX retired on RR XXXX and this can bankrupt me, they used my SS number apparently allowed by PayPal to XXXX this account with no credit check .please be aware of PayPals lack of security!
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXXXXXX XXXX XXXX
Product: Credit reporting

Equifax is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. Equifax nor XXXX, nor XXXX are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached document to XXXX, XXXX and Experian on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear XXXX XXXX XXXX, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXXXXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY  - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - XXXXmpermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report.
Product: Debt collection

MY DISPUTE CAME BACK VERIFIED, I AM ASKING YOUR COMPANY TO SEND ME THE METHOD ON HOW YOU VERIFIED THIS FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

Original Creditor nor collection agency can properly validation these identity theft accounts ... after 6 months of back and forth with the original creditors the collection agency who are now illegally reporting on debt. None of them has provided the original contract with my signature nor Identification. 
Help Please removed immediately please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Ac XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened XXXX XXXX XXXX XXXX Balance : {$1200.00} {$1200.00} {$1200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1200.00} {$0.00} {$1200.00} Credit Limit : {$1100.00} {$1100.00} {$0.00} Past Due : {$1200.00} {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes - reinvestigation in progress Charged off account XXXX. Reporting to XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting to XXXX Account XXXX XXXX XXXXXXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$180.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XXXX
Product: Credit card or prepaid card

I am having a tough time with Bank of America prepaid Edd card. I paid for something with the card that I saw on XXXX that cost {$170.00} which was a projector with the screen. I noticed almost immediately something was fishy with the company at because when I made the purchase and then was emailed the receipt it had a different company name on there. There was no phone number for the business and I immediately emailed my concerns. After sending several emails and waiting a couple weeks with no response other than your product is on the way I then sent several emails for a refund to no response. I emailed their XXXX page demanding a refund and still no response. So then I called Bank of America and told them what was going on and filed a claim. I was given a provisional credit in XXXX I believe. To this day I still never heard from that company or received what I ordered but today I noticed that Bank of America took the {$170.00} back out of my account. When I called they told me the claims department is closed and there is no supervisor to speak to because they are working from Home. Thats truly pathetic. Not to mention she couldnt give me any information as to why this money was taken back from me. I NEVER RECEIVED ANYTHING FROM THaT COMPANY. I tried to go on there supposed website today and its all fraudulent. Site is not working and says domain name is not purchased. So why in the XXXX am I out of {$170.00} on a fraudulent company that scammed me and now Bank of America is supporting that scam by taking my money. I thought they were FDIC insures for things like this. I dont have money like that to throw away. Im collecting unemployment for Christ sakes.
Product: Debt collection

XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the company Health Revenue Recovery Group ( HRRG ) phone number XXXX and their cooperation with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX XXXX in collecting personal information and issuing fraudulent statements and bills. 

Recently, I have become aware that both HRRG and XXXX XXXX XXXX XXXXXXXX XXXX, XXXX have been involved in the unauthorized collection of personal information from myself and numerous other individuals. In my particular case, I have been falsely accused of receiving medical treatment from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, for services allegedly rendered at the XXXX XXXX XXXX XXXXXXXX XXXX. 

However, I would like to clarify that I have never received any medical services from XXXX XXXX XXXX XXXX XXXX, XXXX, nor have I ever been in contact with them. The medical treatment I received was indeed at XXXX XXXX, and any outstanding balances have been settled directly with the hospital and are covered by my insurance. 

It has come to my attention that both HRRG and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have created a fake statement and bill in an attempt to collect a debt that I do not owe. This fraudulent activity not only jeopardizes my financial well-being but also undermines the integrity of the healthcare system. 

I urge the Consumer Financial Protection Bureau to take immediate action to investigate and address these fraudulent practices perpetrated by HRRG and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I request that my personal information be removed from their records to prevent any further unauthorized use. 

It is my firm belief that such fraudulent activities must be eradicated to protect consumers and uphold the principles of fairness and honesty in the financial and healthcare industries. I appreciate your attention to this matter and trust that the CFPB will take the necessary steps to rectify this situation. 

Thank you for your prompt attention to this urgent matter. 

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

On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX  XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on X/XX/17 at XXXX XXXX, however on my Equifax credit report I am showing that I have 12 hard inquires pulled that day. That makes a combination of 23 hard inquires total. I have called Equifax on XXXX X/X/17 and X/XX/17 in attempt to resolve this matter. I know my rights as a consumer when shopping for a vehicle or home that when my credit file is pulled many times within a 14-30 day window that those hard inquires are suppose to fall off or count as one inquiry. However on my credit report my fico it is reflecting a total of 23 inquires which 12 are from the XX/XX/XXXX- XX/XX/XXXX shopping period. These inquires have added a hardship by affecting my placing me in a high risk category for credit worthiness. I have been denied credit with reason specifically stating I was denied by having too many hard inquires on my credit file. I am being victimized and my requests are being ignored by Equifax. I am asking for help on this matter as I have failed to get a resolution many times myself.
Product: Debt collection

This company has continued to sell and report this account although I have disputed the validity. We agreed to a settlement that has not been honored to the current date. Please see attachments of accepted, signed and cashed check as well as accepted settlement agreement. 

Breach of Contract Agreement Contract Agreement violation Missouri common law, by Article II of Missouris UniformCommercial Code ( UCC ) A breach of contract : Breaking a binding legal document by failing to satisfy the terms of the contract without a lawful reason [ including unilateral law : signed, cashed and deposited check ] Details of Accepted Settlement Agreement to date XX/XX/XXXX JEFFERSON CAPITALACCEPTED SETTLEMENT AGREEMENT XX/XX/XXXX CASHED CHECK VERIFYING ACCEPTED SETTLEMENT AGREEMENT JEFFERSON CAPITAL ASSIGNEE OF XXXX XX/XX/XXXX JEFFERSON CAPITAL [ XXXX ] -Honor Accepted Settlement Agreement Request-Mailed letter to Jefferson CapitalXXXX duplicate request of agreement including removal of debt and to stop reporting debt and selling debt to other collection companies [ to honor the additional terms of our agreement ]. Mailed letter to ALL 3 CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) to request removal of debt and to stop reporting debt and selling debt to other collection companies [ per honoring the additional terms of our agreement ]. 

XX/XX/XXXX CURRENTLY, It appears to be still showing up on at least two Credit Reporting Bureau ( XXXX/XXXX  ) as XXXX/XXXX  ( charge off and sold to another lender ). One is reporting in current/good standing and the other is showing as derogatory!!! 

I have made numerous attempts over the past years to resolve this disputed and erroneously reported issue, but to no avail. I agreed to do a settlement just to receive a final resolve but to no avail. I am reaching out for help. I continued to experience financial damage/loss and would like immediate recourse in getting this very unfortunate situation resolved! 

Thank you for your time and due diligence in this matter.
Product: Debt collection

I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.
Product: Debt collection

In XXXX  six years ago, I had lost my wallet at the airport. The last few years have been rough trying to repair my identity within the public to lenders because of my information being used and stolen from me. The last few years, I tried to dispute this information with Bank of America credit card department notifying them I didn't open a credit card on XX/XX/2017 for credit line of {$1000.00} but exceed {$1200.00} the date of Charged off as bad debt from the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$450.00} This is not my account. There has been a fraud alert on my account for several years. I have no business with this company. It is affecting me to obtain employment during these challenging times. If I need to seek an attorney in this matter then I will have to seek additional damages.
Product: Student loan

Mohela is refusing to accept my final signature for PSLF forgiveness. They claim it is incorrect, however, it is clearly in the qualifying signature area as : '' A signature drawn by hand and then digitized and embedded in the document Aside from the physical signature option, XXXX XXXX XXXX allows you to provide the acceptable signatures mentioned above using its standard suite of electronic signature options '' I confirmed with the signer that this was the type of qualifying signature she used. Mohela is, once again, attempting to defraud me of my forgiveness. I have spent over 21 hours on hold or with their reps in 3 months due to incompetence like this. What working adult has that type of time?!?
Product: Checking or savings account

I had an XXXX with UMBXXXX ( " UMB '' here for purposes of brevity ) until the end of XXXX. 

In XX/XX/XXXX, I submitted a claim to UMB to pay a {$1400.00} XXXX XXXX bill. UMB charged me {$140.00} in fees before deducting the {$1400.00} from my XXXX on XX/XX/XXXX. Payment was reportedly sent to XXXX that day. ( I subsequently transferred the remaining UMB balance to a successor trustee, but that's not the issue. ) When I was told by XXXX XXXX that the payment was never received, I contacted UMB on XX/XX/XXXX and was told that the check had never been sent. It had been left in " check printing to the provider '' status. UMB supposedly voided and reissued payment to XXXX at that time. 

When XXXX continued reporting no receipt, I contacted UMB again on XX/XX/XXXX and was told that the replacement check had been sent to XXXX on XX/XX/XXXX, not XX/XX/XXXX. 

UMB now concedes that it can find no record of the XXXX replacement check ever being sent. XXXX is now sending my bill to a collection agency, jeopardizing my credit rating.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at about XXXX PST, we attempted to buy concert tickets in the amount of {$100.00} through a XXXX party vendor. The payment was made via XXXX, which is used to transfer money between XXXX parties. This mode of transfer is accepted through the major financial institutions which will usually protect their consumers from theft/fraud. We asked the seller of the tickets for proof that the tickets were real and they sent us an image verifying their authenticity but required payment prior to sending the tickets. We sent the payment, assuming that the bank would provide us some sort of protection if something occurred. Unfortunately, the tickets were not sent and the seller would not answer any attempts of communication. We then called Wells Fargo to see if they would reverse the transaction but they said that since we authorized the transaction that it could not be cancelled or reversed. We feel that XXXX is very misleading because it does not advertise that it should only be used with friends and family and yet it is being supported by the major banking institutions that give you a false sense of security.