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

I'm writing to report several unauthorized credit inquiries listed on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, regarding permissible purposes for obtaining consumer reports.

Here are the unauthorized 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 XXXX XXXX Toys R Us - XXXX XXXX XXXX XXXX XXXX ( second instance ) - XX/XX/year> None of these inquiries were approved by me, nor did I initiate any actions that would legally justify accessing my credit report per the FCRAs stipulations on permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on Equifax than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.
Product: Money transfer, virtual currency, or money service

Sent from my XXXX Subject : Unhappy with buyer protection guarantee, Ive been dealing with an issue my family had with a seller on XXXX and were hoping PayPal would help us resolve but its been very frustrating. In a nutshell, my son bought an XXXX that was advertised as new, and we found out 2 months later that it was not indeed new and filed a claim with PayPal. They have not listened to one shred of evidence we have about this and just blatantly deny our claim. I would love to be able to really talk to someone about this in-depth. It is my sons account but he gives full permission for me to deal with this. I hope you can help us. His case id is XXXX. Every time we try to deal with PayPal they just deny his claim without hearing any evidence I know whatever info they have for his case isnt complete because we were never allowed to submit everything. Thanks so much for your time, I hope to hear back from you. 
Sent from my XXXX
Product: Debt collection

Repeated calls to my work place causing a disturbance. 
Sunday XX/XX/XXXX Sunday XX/XX/XXXX wednesday XX/XX/XXXX ( twice )
Product: Prepaid card

I bought a visa vanilla gift card at XXXX pharmacy in XXXX XXXX XXXX some of the numbers were missing and the bar had a scratch through it which made it un usable. I contacted them in XX/XX/2023 they said I would have a replacement within 30 days. that never happened I contacted them again in early XX/XX/2023 they said they were sending another replacement and wait 30 days. Never received it. I contacted them every month they still have not send me a card there is over {$200.00} on it and they are holding my money hostage. The company is Incomm Please help me it has been over 6 months i send questions to their email and only get a message back thanking me for submitting my documents but I didn't submit documents I was asking questions
Product: Credit reporting, credit repair services, or other personal consumer reports

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 This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as Equifax XXXX XXXX and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXXXXXX XXXX and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Equifax is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Equifax is dismissivie of the documentation that I have provided to them. 

I just spoke to XXXX a Manager at Equifax with ID # XXXX and she told me that I would have to file another dispute in order to address my concerns. I have filed two complaints with no success. This manager basically told me that they are not going to change any information nor will they contact any creditor. She went on to say that once the creditor updates them then they will make the change. I informed her that I submitted proof that I had a XXXX balance with XXXX and my credit limit on my XXXX XXXX  card was not reported correctly. 

It is clear as day that Equifax did not attempt to contact XXXX XXXX  nor XXXX XXXX. To further support the previous statement, XXXX XXXX  to {$0.00} being owed to them and {$3700.00} with XXXX XXXX  which is owed to them with a credit limit of {$8000.00}. 

Historically Equifax has been dismissive of any concerns. I just realized today that I could actually file a complaint on Equifax. So, XXXX XXXX  nor XXXX XXXX  is not the problem. I have never had a problem with them. It is the tactics of Equifax which is the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being told they will not honor my identity theft because I did not supply id. This is false I submitted my driver 's license many times to them. They keep making excuses, to not do their job. While yhey are destroying my life. Exsperian has caused me non recovery homelessness and emotional turmoil that is not fixable. The mental anguish is overwhelming. Wanting to XXXX XXXX. For feeling like a burden. They are absolutely discriminating against me.
Product: Debt collection

No knowledge of XXXX XXXX card dated XX/XX/XXXX-XX/XX/XXXX, XXXX.. Have contacted to be removed due to no knowledge. Still no proof provided and still no removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Id and pruf of resistance Ssn in order for them to fix it Nothing happens
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are incorrect: XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX  XXXX XXXX XXXX XXXX ga XXXX,
Product: Credit card or prepaid card

I allowed my husband to use my dillards charge to make a purchase when I was net to him online. Later that month I asked him for a list of the charges he made so I could reconcile against the statement. He went into his online account with Dillards and in the history of transactions, he was able to view all my purchases. Not just what he bought online but all my transactions that he had no right to see.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and does not remove errors on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern : I noticed in my consumer report there is a collection account Oportun Progreso Finan reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681.

The collection company that is reporting this fraudulent information is Oportun Progreso Finan I do not own this account, nor do I have any knowledge of this account. Oportun Progreso Finan is violating my consumer privacy rights. 

Im requesting that Oportun Progreso Finan cease and desist from reporting fraudulent information to all three major reporting credit agencies. 

In addition Oportun Progreso Finan is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. Oportun Progreso Finan is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that Oportun Progreso Finan is not licensed or bonded to do so. 

I hereby assert that Oportun Progreso Finan debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation Oportun/Progreso finan to pursue damages and ensure accountability for their actions.

I am formally requesting that Oportun Progreso Finan promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 

Account number : XXXX I look forward to your prompt response, Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already successfully disputed and had these same accounts removed from my XXXX credit report, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate and up-to-date consumer credit information. It is my legal right under the FCRA to have inaccurate information removed from my credit report promptly.

I sent the same attached letters in the mail.
Product: Debt collection

I had a car accident XX/XX/2020 and the car was a total lost. I had full coverage with XXXX XXXX and XXXX XXXX XXXX insurance. I made my payments on time before the accident.. The insurance companies should be held accountable. The car loan balance should have been paid off in full in a timely manner between the two insurance companies without damaging my credit. I was not aware the insurance companies did not payoff the total debt as expected. I immediately reported the accident to both insurance. I found out later that the loan was not taken care of by the insurance companies according to my contract. I reported the issue to XXXX  the dealership where I purchase the car.. XXXX agreed with me and contacted XXXX XXXX and the loan balance was paid in full.. I am in distressed that this information have been included in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the information reported is completely in accurate and correct. The following information therefore needs to be re-investigated. I demand to see verifiable proof an ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed.
Product: Mortgage

File attached for XXXX Proof of Mortgage overpayment. Timeline to present is explained. No resolution or even respond to my many inquiries have been addressed. I have only received letters demanding payment which was already completed.

The Proof of Payment Document was sent via FAX to NewRez on XX/XX/2024. 
I called and verified it had been received. 

The Proof of Payment Document was sent XXXX to SHELLPOINT on XX/XX/2024. 
No fax number was provided. 

To date no action/ response has been taken by either NewRez Mortgage or SHELLPOINT Mortgaging Servicing.
Product: Debt collection

This debt should have been handled several years ago and I am still receiving threading calls to garnish wages and had the police show up at my house. I have now been forced to pay on a collection {$300.00} per month. They are saying that I owe a total of {$47000.00}
Product: Checking or savings account

I recently tried to write a check and XXXX and another company. My check was denied and I as advised it was because of information reported to XXXX. I called XXXX and they advised JP MORGAN CHASE was reporting information to them. I do not have an account with Chase and have never had an account with them. I call them  and they advise it was my moms account, I explain I was only suppose to be the beneficiary not a cosigner. They advise the account is closed there is nothing they can do, they also state they show no money was owed on the account and the account is closed further they state they don't report to XXXX. I ask for any documentation to provide to XXXX stating I owe them no money and they refuse. My credit is being impacted, my ability to write checks and pay my bills is being impacted and they refuse to provide any information to me so that I can get this problem rectified.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax & XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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.

Items listed above, have 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( 10 mos ), Balance : {$1600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( 10 mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

Description of What Happened : XXXX is not following US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the Fair Credit Reporting Act ( FCRA ), and these items should be removed immediately. 

In addition, I was a victim of multiple data breaches by two Fortune 500 companies, XXXX and XXXX XXXX. I was informed by both companies that my information was affected by these breaches. As a result, multiple accounts were fraudulently opened in my name with various companies, and these debts were never paid. 

I have taken the following actions : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
Contacted XXXX to dispute the outdated negative items and fraudulent accounts, but no action has been taken to correct my credit report. 
I encourage the CFPB to investigate these violations and hold XXXX accountable. 

Thank you.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Merchants & Professional. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Debt collection

I was contacted by XXXX with Debt Management Inc., in regards to an alleged account with XXXX XXXX XXXX XXXX in RI. I informed XXXX that this is a disputed debt that I was told that this procedure was approved prior by the medical office. I shortly after was send a bill and contacted the insurance company. The insurance company informed me that it was not approved because it was coded incorrectly. I explained the same to XXXX who insisted that she already heard the story and I still need to pay the bill. She told me to purchase a prepaid card and pay an amount every week. She told me if I do not she would report this to the credit reporting agencies and would notify XXXX that I am refusing to pay. I am not certain but I cant image how a refusal to pay and a disputed debt fall under the same criteria. She just kept telling me she hears it all the time and I need to pay, She never gave me my mini Miranda rights and I advised her to speak to my fiancee and she advised him the same. Document as a refusal and report to credit reporting agencies.
Product: Debt collection

At the time of this amount was being owed. It was the responsibility of another person the bill was just in my name. The reason they did not pay was because they moved out of the place they were in. I did not know that this debt was on my account and I tried multiple times to dispute it. 

The amount owed is XXXX . And it has been on my account since 2014.
Product: Debt collection

I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist.
Product: Credit reporting or other personal consumer reports

ompany or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$8600.00} Credit Card Opened by the Thief Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1500.00} Other Identity Theft Company or Organization : XXXX  Date fraud began : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX XXXX XXXX as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate accounts off my credit report. Experian stated that my account was properly investigated, but how so is that possible when the other bureaus investigated the same item and removed it. 
And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX