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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a fraudulent request for payment in my PayPal account and via email from PayPal which additionally contains a scammer 's phone number to dispute the transaction. I tried to report to PayPal and they provide no mechanism to do so and are thus not taking necessary actions to prevent the use of their systems in this type of fraud. PayPal is allowing their systems to be used for fraud and scams and provide no reporting mechanism or follow up. I tried to contact them via chat and it is a loop with no way to report. I additionally tried following their FAQ to report and it errored out since my account was not directly accessed. 

Here is the text of the email from service@paypal.com XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent you a money request NOTE FROM XXXX XXXX : quote You Paid {$480.00}. XXXX XXXX XXXX XXXXXXXX thanks For Using PAYPAL, If you have not approved this Order and need this to be Stopped then Put a Dispute on this now XXXX XXXXXXXX quote Payment request details Transaction ID XXXX  ( redacted ) Transaction date XX/XX/2022 Amount requested {$480.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

hard credit inquiries XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

for some reason I have 18 to 20 unknown inquiry 's on XXXX, Equifax. and XXXX  credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..
Product: Mortgage

Our mortgage moved from XXXX to BB & T, I had been a XXXX customer for 10 plus years, in those 10 years, we have not been late on any payments. Starting XXXX ( thru XXXX XXXX, BB & T has reported me late to the Credit bureaus although we have not been late. BB & T receives two payments for the mortgage ( one from me and the other from my mother in law ), it appears that one payment is always reversed and is not corrected til a later date ... I have contacted BB & T and they acknowledge that I have not been late and correct it in their system, however, when I asked for the Credit bureaus to be corrected, BB & T is not correcting the CB 's. My score has dropped over 75 points. I am trying to purchase a house and this has had extreme negative impact on my score. In addition, had I not been monitoring my credit as closely as I do, I would not have seen this issue and it would be too late for resolution. I have tried to work with BB & T as well as the credit bureaus ( submitted disputes ) with no corrections in my Credit Report. I need to have my credit report corrected to reflect that i have NOT been 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I was also a victim of the Equifax data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sage stream and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

DEPTEDXXXX : XXXX, DEPTEDXXXX : XXXX, 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 : 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: Checking or savings account

On or about XX/XX/XXXX I opened a new BB & T checking account, using a promotion offering a {$200.00} new account bonus. On XX/XX/XXXX, 2 deposits totaling {$800.00} were made to my new account, fulfilling the first step of the bonus requirements. 

On XX/XX/XXXX, a letter was sent to me, informing me that my new account was being closed immediately, and sternly warning me to not use the account for any further deposits of withdrawals. It stated that my remaining balance would be returned by check after 10 days. 

The week of XX/XX/XXXX, I contacted BB & T about having not received a check for my balance. I was informed I had to go into a branch " to sign something '' before I'd be given my money. 

It is outrageous that the bank insist I unnecessarily travel to a branch at a time our state is under an emergency stay at home order, when the branch lobbies arent even open, to collect something I was told would be sent to me 3 weeks earlier. It is now a more than a month later, and I've still received no check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXXXXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account : AFNI Amount : {$750.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX  {$0.00} Late Payment XXXX XXXX XXXX XXXX {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In response to the letter that The Bureaus, Inc sent to me in the beginning of XXXX I sent the following letter ( below ) to The Bureaus, Inc. on XX/XX/XXXX. 

To : The Bureaus, Inc : I_______, have written this letter to dispute a claim that is falsely listed on my credit report with your agency. See below. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Account # : ______________ Your File # : _______________ Amount owed : {$430.00} After carefully reviewing the paperwork that I have received from your agency I have noted the following : ( 1 ) There is NO explanation as to how the initial balance of {$280.00} in XX/XX/XXXX was calculated. 

( 2 ) Since then, only {$150.00} in purchases were added and the rest were excessive fees and exorbitant interest on an inflated balance. 

I demand that The Bureaus, IncXXXX produce the original credit card agreement SIGNED BY ME and a complete accounting of how the amount you claim due was calculated. 

I am NOT the owner of this debt.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX XXXX but its stating that the last payment was XX/XX/XXXX but on my report its showing this account was charged off from XX/XX/XXXX to XX/XX/XXXX. This account is also reporting XXXX different balances. The report is stating that the original balance was {$20000.00} and its also stating that XXXX was written off as a charge off but XXXX is passed due. This account account has been repeatedly updated as charged off every month from XX/XX/XXXX to XX/XX/XXXX as if the account is still open and its reporting a balance when it should be XXXX since its reported as a XXXX off account and that is very illegal. A charge off account should NOT include an active payment history. Also this account is reporting a balance to XXXX and TRANSUNION which is illegal and inaccurate as well. This account is also stating and reporting that it was FIRST REPORTED XX/XX/XXXX but its no record of that reported on any of the accounts. The account was reported and In good standing from XX/XX/XXXX - XX/XX/XXXX and to mention again stated the last payment was made this year XX/XX/XXXX which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts IMMEDIATELY : Account Name : XXXX 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

Dear CFPB ; XXXX ; MIDLAND CREDIT XXXX ; I'm a little concerned that no one is trying to resolve this even after I've filed a police report. As I mentioned a XXXX of times to everyone, i have never opened any contractual obligations with either XXXX XXXX or Midland Credit Management group. Plus, why is my information being sold without my consent to different companies.- Isn't that breach of my consumer privacy? I've never signed any paperwork or acquired any services with either of those parties involved. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX  kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me transunion is ignoring me and XXXX its been XXXX  months nothing done still
Product: Credit reporting, credit repair services, or other personal consumer reports

their is a collection on my report from XXXX XXXX stating I owe an XXXX bill. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Product: Credit card or prepaid card

This is in response to case # XXXX filed XX/XX/19. I did call XXXX @ XXXX XXXX XXXX XXXX XXXX ext. # XXXX on XX/XX/19 to dispute her response to my above case number. As of this date, XX/XX/19 she hasn't responded to my call. Everything that was submitted by her to you is fabricated. 
I have never, ever received a single one of these paper bills that are listed by her on behalf of Capital One Credit Card while my card was open and in use. I was sent many of the said paper bills after I was refused a second time to receive paper billing per my request then closed my account and continued paying well over the minimum due amount on time monthly for two years while the owed amount continued to escalate. I stand by my original complaint and I am owed reimbursement from Capital One Credit Card.
Product: Debt collection

On XX/XX/21 I sent Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX, a request for Validation letter concerning a Medical Collection for {$900.00}. Phoenix Financial has failed to reply or Validate the account with me. I contacted the Credit Bureaus and they reply Stating Phoenix Financial validates the debt. But can't give info., on how Phoenix Financial has validated the debt. On my last credit report it was not Stated that Phoenix Financial has place my request is in Dispute. On XX/XX/21 I followed up with a Second request and still No reply also along with the Second letter I also sent a copy of the Second request to CFPB.
Product: Debt collection

LJ Ross is collecting on the behalf of XXXX XXXX  for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( XXXX, Equifax and XXXX  ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to XXXX, XXXX, and Trans Union to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Product: Prepaid card

I am operationally hacked. Have found the hackers can not steal from GPay, although they make it DIFFICULT TO USE!!!! Often the card is not an option to chose from and is made into a credit/debit under GPay!???? Or not under the correct email account or can not transfer to the email account in question!!! Please assist in resolving this issue!
Product: Credit card or prepaid card

On XXXX the XXXX, someone made 2 {$100.00} fraudulent credit card purchases with my account at gas stations that I have never been to. In fact, it was in cities I have never been to. Bank of America was quick to catch it and place it on hold. I was sent a new card and got refunded for the purchases. Today, almost 2 months later, B of A tells me that I am responsible for the charges because they think I made the purchases. I explained Ive never even been or heard of the locations that the purchases were made and I would like those charges removed. I was told they could not remove the charges.