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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE LISTED BELOW ARE 2 INQUIRIES XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

I had unauthorized money withdrawn from my XXXX account to USBank confirmation # XXXX to pay off a XXXX XXXX. XXXX and USBank must have the information who these cards and accounts belong to and therefore they are the one who conducted the theft of XXXX out of my account as well as unauthorized payment to XXXX XXXX {$5700.00}. 
Neither XXXX XXXX nor XXXX will respond to my inquiries.
Product: Debt collection

I received a collection notice from an unknown company " Rapid Collection System '' who I never had any knowledge of, they're requesting that I pay this company a said dollar amount whom I've never done business with in the past.
Product: Debt collection

I purchased a vehicle in 2012. The vehicle was almost paid off, due to an injury I fell behind however I did begin to resume making the payments. I made an agreement with the debt collector for the amount of {$4500.00} of which {$2000.00} was paid. The creditor sold the loan without my knowledge and I sent payments to the original company. I was then sent a law suit letter stating I now owe {$10000.00}. I was not given any written notice that this loan/debt was sold and that payments should be sent to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I applied for a line of credit through Money Key. I have since paid the full amount of outstanding according to an email I received from them on XX/XX/XXXX, but it does not state in the email any remaining balance, if there was any. I also received an email from XXXX stating that according to my XXXX report on XX/XX/XXXX, this account was paid off in full. 

Since then, I have not signed anything or approved anything and I kept getting balance amounts due and I figured they were a mistake so I ignored them. I then got a debt validation notice saying I owe them {$2500.00} on XX/XX/XXXX I have nothing in writing that says I allowed any additional line of credit amounts. Additionally, my address they have on file is incorrect. Their signature pages do not require signatures, but rather last 4 of SSN. 

The following documents are attached : - Line of credit agreement ( No date on doc drafted, signed by me using last 4 of SSN on XX/XX/XXXX ) - Voluntary ACH authorization ( Signed by me using my last 4 SSN digits on XX/XX/XXXX ) - Arbitration Agreement Schedule A & B - Waiver of Jury Trial and Class Action ( no date, not signed by me ) there are some dates that mention XX/XX/XXXX and XX/XX/XXXX, but no year or signature. 
- Arbitration Agreement Schedule A ( unsigned by me, no dates besides XX/XX/XXXX and XX/XX/XXXX but no year mentioned ) - E-Consent - Not signed by me and no date. 
- Line of Credit Agreement ( TILA ) Update - ( dated XX/XX/XXXX, but was not communicated to me and is not signed by me. Also dated almost a month past the date I completed the application. 


Additionally, according to their own website under Products and Services linked below, it does not look like MoneyKey is even legally allowed to lend to residence in the state of Minnesota, which is where I reside. 


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

I have been a PayPal member since XXXX and only use it for occasional sales/purchases on XXXX. I have never violated any of their service rule agreements. Around XX/XX/XXXX, I logged into my PayPal account and read it had been permanently limited. I asked for a reason and possible remedy, but PayPal refused my request. I complained to the XXXX, and despite the efforts of the XXXX, Paypal still refused to provide any details on the limitation or possible remedies. After over a year, PayPal maintains my financial and personal data in their database. I can not delete or change any data. I am seeking help from the CFPB to have PayPal delete my data from their database. They should not be allowed to retain the personal information of people not using their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

from XXXX to XX/XX/XXXX i was XXXX  i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act the companies listed below have violated my rights. 

XXXX & XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX AUTO Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX & XXXX  Account number XXXX XXXX 

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.
Product: Debt collection

I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
Product: Credit card or prepaid card

Try to get a credit card and I have income. But they won't give me a chance. I thinks its unfair especially if you trying to get ahead on life.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON TRANS UNION AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

l have submitted three certified letters to Transunion, XXXX  XXXX  credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the XXXX XXXX XXXX XXXX Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from Transunion, XXXX, XXXX.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record
Product: Credit card or prepaid card

Ref : CFPB Case # XXXX It is requested the closed referenced case be reopen. My reason is as follows : Zales or XXXX XXXX has not responded to me other than what XXXX XXXX sent to CFPB indicating they would conduct an investigation. Nearly ninety days has come and gone and not a word from XXXX or Zales as to the results of their alleged " investigation. '' However, I am nearly 100 % sure XXXX will note, as in the past, they sent me a letter but I have no record or ever receiving a response to their investigation and I keep excellent records. 

It is requested CFPB become involved and determine if I may have some closure to the issue previously contained in my complaint to CFPB ofXX/XX/XXXX, 2017. If XXXX XXXX has not issued a credit to my Zales credit card account and they have denied my claim, I will need their response if I plan future recourse through our local courts. 

I am almost certain that I can not be a lone wolf that is receiving the disrespect and poor customer service from Zales and XXXX XXXX. The two entities lack any compassion for their extremely poor customer service or customer satisfaction ( please refer back to my original complaint ). 

Thank you for reading and assisting me to achieve my original goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, XXXX  and experian regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX on XXXX  under the account number XXXX, a secured credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XXXXXX/XX/XXXX under the account number XXXX, a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$470.00} under the account number XXXX, and a collections account opened XXXX XXXX on XX/XX/XXXX with a balance of {$580.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX XXXX XXXX  opened on XX/XX/XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I.C. System, Inc. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX NOTICE TO CEASE AND DESIST ACCOUNT : XXXX Original Creditor XXXX XXXX XXXX You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTHXXXX 5. MY ONLY EMPLOYER IS XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

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 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 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
Product: Checking or savings account

In the first week of XX/XX/2023 I received a {$17000.00} transfer. The money is still sitting there because my account has been " restricted ''. I can not access the money, I can not see a statement, and I can not close the account. I looked on their page on XXXX and was dismayed to see that this is a pattern with them. I want access to my money, and am sick of form letter responses that off no resolution.
Product: Student loan

I am unemployed, I filled out an application for an Income-driven Repayment plan at studentloans.gov, and was granted a zero amount repayment in   XXXX   XXXX       In   XXXX   XXXX   my income tax refund was withheld b  y ECMC ( Educational Credit Management Corporation ), claiming that I was in default. Up until this letter, I had no correspondence from ECMC stating that I was in default, nor was I ever even informed that ECMC was a lender of mine. I am not in default with any of my other lenders. All my other lenders received and granted my Income-driven Repayment plan.
I emailed ECMC twice and have not received a response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent and should be removed immediately to prevent further damage to my credit profile. The inquiries in question are as follows XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), a permissible purpose is required before a company can obtain a consumer report or initiate an inquiry. These inquiries were unauthorized, and I did not provide any such permissible purpose. 

- Additionally, under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), I am formally requesting an investigation into these inquiries. If it is determined that they were indeed unauthorized, I demand their immediate removal from my credit report. 

XXXX. California State Laws : ** - Under California XXXX XXXX Section XXXX, it is unlawful for any person or entity to procure a consumer credit report unless authorized by the consumer. These inquiries violate this provision, and as a resident of California, I am entitled to have these inquiries removed. 

- Furthermore, under California XXXX XXXX XXXX XXXX, I have the right to request a reinvestigation of inaccurate information on my credit report. TransUnion must correct or delete any information that is inaccurate or incomplete within XXXX business days. for business days for fraudulent information provided supporting documents, police report FTC identity theft report
Product: Mortgage

i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review.
Product: Credit card

I recently opened a new credit card with American Express ( I have been a cardmember with American Express since 2000 with a perfect record of timely payment ). After opening the card, I attempted to set up AutoPay on the account, which would automatically deduct each monthly payment from my bank account ( as is done on my other credit cards ). Somehow, my attempt was not successful, and the first bill was not paid automatically ( on XX/XX/XXXX ). When I realized the next morning ( on XX/XX/XXXX ) that the bill had not been paid, I immediately paid the bill and set up AutoPay for future bills.

For the one day late payment, which may have been the fault of the American Express website for not processing my AutoPay setup correctly, I am being charged {$120.00}, which consists of a late fee of {$29.00} ( above the legal limit ) and interest charges of {$97.00}.

When I contacted American Express, they informed me that since they were not at fault, they would not waive or adjust the fees.