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

A recently run credit check ( XX/XX/XXXX ) revealed that there was an open credit card through XXXX XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX  XXXX, as well as XXXX XXXX  today ( XX/XX/XXXX ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks
Product: Credit card or prepaid card

On XX/XX/2023, I attempted to make a purchase of three Tickets on PayPal using a XXXX XXXX XXXXXXXX linked to my PayPal Account for {$2500.00} for tickets from XXXXXXXX XXXX XXXX XXXXXXXX decline the transaction, but it was put through by PayPal without my Knowledge, not knowing that said charge was made I purchase the tickets on XXXX XXXX on XX/XX/2023, for {$2100.00}. 
I only became aware of the PayPal transaction when I login to my account a month later. 
I haven't received the tickets from XXXX, so I disputed the charge with PayPal, but my dispute was denied.

Notwithstanding PayPal Policy states that if a customer didn't receive the item, it would be covered under their purchased protection policy.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
They are being listed as follows : XXXX XXXX XXXX Acct # XXXX Amount : {$1800.00} Opened XX/XX/year> The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 
LATE PAYMENT CREDITORS ACCOUNT NUMBERS XXXX XXXX  Account Number XXXX Dates reported late and inaccurate : XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XX/XX/2022 I made a hotel reservation using my points with this Chase Southwest Rewards cc. The cancellation fee of {$35.00} was hidden and could only be seen if you clicked into a blurry hidden " i '' icon. This does make the hotel reservation fully cancellable by XXXX XXXX, 2022 XXXX XXXX. I only saw the {$35.00} fee in an email that was then stated clearly. It should have been stated clearly on the booking website. I had to cancel the hotel bc I booked the wrong hotel given XXXX has several hotels in the same 2 mile radius.
Product: Consumer Loan

there is a hard inquire on my credit report that i didnt consent to
Product: Checking or savings account

On XX/XX/year>, I was contacted by a scammer calling from the official USAA customer service center stating they were from the USAA Fraud Department. The scammer told me that someone from XXXX, AZ was attempting to complete a XXXX transaction from my account in the amount of {$990.00}. The scammer then led me through a serious of instructions to " reverse '' the transaction. Ultimately, the scammer was able to steal the {$990.00}. I immediately called the USAA Fraud Department to report what had just happened and a dispute was issued. I also submitted photo evidence of the USSA incoming call to me with the date, time, length of the call, and that it was an incoming call. At no point did I authorize anyone to take that money from my account. It is also very clear that this was suspicious activity on my account, as I do not use XXXX. The dispute was denied the next day. I called USAA to escalate the dispute, as USAA claims they have a zero-tolerance policy against fraud and scams and that customers will not be held liable. A review was submitted at that time. The review also came back as denied. USAA is claiming that because the scam was conducted through a XXXX transaction, a 3rd party customer, it is out of their hands. I don't do business with XXXX. I have been a loyal customer for USAA for over 12 years. All evidence proves that this was fraudulent activity and a scam. USAA is claiming that because I did what the scammer told me to do, I am responsible. I have lost {$990.00}. USAA did not protect me as a customer and honor their zero-tolerance policy against fraud and scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that XXXX and 60 day late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XX/XX/2020, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the XXXX SHUT DOWN XXXXThe CARES Act calls these agreements accommodations.
Product: Consumer Loan

A loan was taken out in my name from a company called Avant in   XXXX   XXXX  . I have previously sent them my police report an d two n otarized identity theft affidavits. I sent the first notarized FTC Identity Theft Report and copy of my police report via certified mail on  X/X/XXXX . They then sent an email on   XXXX   XXXX   XXXX  , stating in bold lettering that " An FTC Identify Theft Report '' is not acceptable ) and requesting I fill out and have notarized a new form which I sent back to them on   XXXX   XXXX       I have since received an email from their fraud department ( on   XXXX   XXXX   XXXX   ) stating their investigation was closed and the account would be removed from my credit reports.     I am currently being sued by a debt buyer,  XXXX   XXXX  in relation to this account. I 've requested via email th at Avant  notify  XXXX   XXXX  and  XXXX  's attorney,  XXXX   XXXX , of the findings of their investigation. They did not agree to notify  XXXX   XXXX  or  XXXX   XXXX , and instead directed me to handle the issue with them on my own. I informed Avant I had already sent my police report and affidavits to  XXXX   XXXX  and  XXXX   XXXX  and have not heard back from either company, and the lawsuit has not been dropped.     I have requested  a manager or supervisor from Avant 's Fraud Department contact me by phone on multiple occasions, both in writing and over the phone. The phone reps at Avant insist it is impossible to speak to anyone in the Fraud  department because " they only do business over email ''. I also contacted the company I believe is their owner, or funder of their accounts, called  XXXX   XXXX , informed them of the situation and request a call from a manager or supervisor.   XXXX   XXXX   informed me they have no way to intervene on Avant accounts but the  XXXX   XXXX  rep stated she was sending an email to Avant 's fraud department requesting a manger call me asap. That was several weeks ago and no one from Avant or   XXXX   XXXX   has contacted me.     I have also requested a letter of clearance stating the results of Avant 's investigation and that the account would be removed from my credit reports. Although they have replied via email since then, this request was never addressed in their response.     Since I have provided all the requested documents to  Avant  and they have determined the account was opened as a result of identity theft I believe they should have the responsibility of notifying the debt buyer they sold the account to of the situation.
Product: Debt collection

After pulling all 3 of my credit reports, I've notice a collection debt from XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON ANOTHER CREDIT REPORT, ETC. ( THE XXXX  ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract/application with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED PERMANTELY FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XX/XX/2017 no judgments are to be reported on neither 3 credit bureaus. This is illegal again I do not owe this debt that the XXXX XXXX XXXX XXXX XXXX has reported, and it is not mine. I request that THE XXXX XXXX XXXX REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. THIS WAS DELETED FROM MY CREDIT REPORT VIA XXXX XXXX AT ON TIME AND IT HAS REAPPEARD I DON'T EVEVER WANT TO SEE THIS ILLEGAL ACTION ON MY REPORT EVERY AGAIN. I'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON MY REPORTS!
Product: Credit reporting or other personal consumer reports

I have reached out to reporting agencies and discover to send me proof that they sent out billing statement 21 days before alleged payment was due and still have not receive the proof about this late payment. This is my second attempt to resolve this issue.
Product: Debt collection

1099C HAS BEEN FILED AND ACCEPTED DEBT HAS BEEN DISCHARGED AND PAID COMPANY IS STILL REPORTING NEGATIVE REMARKS.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for {$3000.00}, concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I initiated a dispute regarding IC Systems for {$3000.00}, as reported in my credit report. As per the FCRA, specifically under Section 611 ( 15 U.S.C. 1681i ), creditors are required to conduct a reasonable investigation upon receiving a dispute and provide verification of the disputed data. 

However, despite my repeated requests and the adequate time provided, XXXX XXXX {$3000.00} has failed to furnish any evidence or documentation validating the accuracy of this disputed item. This failure to respond appropriately contravenes the FCRAs provisions which are designed to protect consumers from inaccurate and unverified credit reporting. 

This unverified information has caused significant harm to my credit reputation and has been a source of considerable distress and inconvenience. It is my right, under the FCRA, to have accurate, fair, and substantiated information reflected in my credit report. 

Therefore, I am seeking the CFPB 's assistance in resolving this matter. I request that the CFPB takes appropriate action to ensure that XXXX XXXX complies with the FCRA regulations by either providing the required verification or removing the disputed item from my credit report. 

Enclosed with this letter are copies of the correspondence with the creditor and any relevant documentation supporting my claim. I trust that the CFPB will address this issue promptly and uphold my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,
Product: Debt collection

I have an acct on my credit from XXXX XXXX  in the amount of {$240.00} for a payday loan. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

XXXX has continued to report information regarding the following accounts despite multiple request to investigate and remove these accounts. I have no knowledge of these accounts and they are negatively affecting my XXXX XXXX. The company did not provide me with proof of debt validation or the contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.
Product: Credit card or prepaid card

I closed a credit card with Bank of America and it has a credit balance of {$25.00}. I also have a checking account with Bank of America. I called on XX/XX/XXXX to request the credit card credit balance be transferred into my checking account with Bank of America. They have not transferred the funds as of XX/XX/2022. I called to asked why the funds have not been transferred and the associate said that they were researching the account. Both accounts are held at Bank of America so I don't understand what they could be researching and they would not tell me.
Product: Debt collection

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  and XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. 

My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and XXXX XXXX account that made payments on these alleged accounts was opened and funded fraudulently.
Product: Credit reporting or other personal consumer reports

Inaccurate inquiry information on Experian credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX- Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon checking my Experian credit report 5-6 months ago I notice 3 negative items on my credit report I did not recognize. I contacted them and informed them of such. I didn't recognize the account number, I did not recognize the balance, nor the late payments associated with the account. Everything reported does not meet the FCRA ( 15 USC 1692 ( g ) -Validation of Debt ). 
It is showing on my credit report that this/accounts were charged off. If it was charged off by the company ( even though I have been disputed ) then the company has written it off then they should have sent me a 1099c ( which was never sent to me ). Nor should it be reporting a balance. 
The following are the negative items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I feel the CFPB needs to look into the new tactic being used by credit card companies to directly impact consumer credit reports. Companies are arbitrarily reducing credit limits to just about the current balance, resulting in a dramatic jump in credit usage %. Then on the letters that are sent out as explanation of the adviser action, they can not specifically answer which factors/items from the credit report relate to the reasons. This acts adversely on a consumers credit score, when they usage goes from 32 % to 82 % overnight, without any fault/action of their own. When I recent ; y inquired to CITI Bank as to why for the 2nd time in a year they reduced my credit limit, I was advised to see the notice in my document center. Which I located and then asked for the specific factors that related to the 4 reasons listed. I continued to receive answers of if there was an issue with my credit report, I needed to contact them for why. So I read the document that said the decision was made by CITI and not the credit bureau and to contact CITI with questions. Even after 3 customer service reps and an hour of my time I got no serious/real answer other than that they could. Which by the terms they can, change it at any time. However I feel they are abusing the ability to do so, to manipulate consumer credit scores and charge the highest rate allow, due to the resulting score decrease. This behavior on their part is generating massive revenues for the credit card companies and costing already strapped consumers massive amounts of money. 
Reasons were : Length of credit history ( I have had credit card with Citi/Home Depot alone for 3 years ) Payment pattern on account, I have never been late, payment made early or on time for 3 years. 

Number of recent credit inquires. When I went on XXXX it showed 9 inquires over 2 years. 

CIT is not the only company using such tactics, XXXX engages in the same actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXXXXXX  and XXXX XXXX Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Credit reporting or other personal consumer reports

On my credit report there is an account called XXXX XXXX  and I never had any accounts with XXXX XXXX  or applied for any credit products from them. 

So, because of this I had to file an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX from my credit report immediately. A failure to do so will result in me taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency