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

Subject : Complaint Regarding Inaccurate Reporting by Equifax To Whom It May Concern, I am filing a formal complaint against Equifax for publishing inaccurate and incomplete historical data regarding my Closed XXXX  credit card account on my consumer credit report.

Issues with the Reporting : The historical data for this account is inaccurate and largely missing from my credit report. This account was paid in full before being closed, which XXXX and Equifax failed to reflect accurately. This account is missing historical data such as payment information/ correct date of first derogatory needed to verify the age of the negative status of this account. Retaining such incomplete information misrepresents my creditworthiness and violates my rights under the FCRA. 
Requested Action : I request that the CFPB investigate this matter and hold Equifax accountable for violating the FCRA. Please delete this inaccurate account from my credit profile for the following reasons : Publishing inaccurate and incomplete historical account information.

Failing to remove an account that possibly exceeds the allowable 7-year reporting period. This inaccurate reporting has harmed my credit profile and caused undue frustration. I kindly request a full investigation into XXXX practices regarding this matter. 

Thank you for your time and assistance. I look forward to a resolution. 
XXXX
Product: Bank account or service

Paypal Credit charged me {$6.00} in 2014 and I just got a letter from a collection agency for a bill of {$61.00}. I had never applied for Pay pal credit. I called Paypal and they could not even provide me with the information that I did use the service. They said I probably hit the wrong button by mistake.
Product: Mortgage

I WAS CHARGED XXXX IN "OTHER FEES DUE" ON XXXX XXXX XXXX FOR AN APPRAISAL THAT I DID NOT AUTHORIZE AND DID NOT REQUEST.  I HAVE NEVER BEEN LATE ON A MORTGAGE PAYMENT AND ONLY REQUESTED A FORBEARENCE DUE TO LIVING IN A FEMA DECLARED NATURAL DISASTER AREA DUE TO HURRINCE HELENE AND MILTON. I DID NOT RECEIVE AN APPRAISAL AND DID NOT REQUEST AN APPRAISAL. NO ONE EVER CAME TO MY HOME OR CONTACTED ME. I CALLED SHELLPOINT AND WAS INFORMED I NEED TO SEND A LETTER IN AN ENVELOPE WITH A STAMP TO A PO BOX ADDRESS TO REQUEST A DISPUTE. THIS IS UNACCPETABLE AND FRADULENT. THE LETTER BEING SENT TO A PO BOX IS A SCAM AND WILL NEVER BE ADDRESSED. I WAS WRONGFULLY CHARGED AND SCAMMED BY THIS COMPANY.  NO APPRAISAL WAS COMPLETED AND NO APPRAISAL WAS RECEIVED OR EVER REQUESTED.  THIS COMPANY HAS UNETHICAL DECEPTIVE AND UNFAIR LEDNING PRACTICES CHARGING UNAUTHORIZED AND INAPPROPRIATE FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted XXXX   XXXX again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.
Product: Credit reporting or other personal consumer reports

I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with XXXX until l get to the bottom of this matter. 

XXXX XXXX unauthorized inquiries : XXXX XXXX : XXXX Inquiries date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Next somes of unknown inquiries are From Transunion XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX inquire XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX inquire : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquire XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX inquire XX/XX/XXXX XXXX XXXX XXXX  XXXX inquire XX/XX/XXXX XXXX XXXX XXXX XXXX inquire XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Following are credit cards inquiries unknown XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received an unsolicited prepaid debit card with my name on it from a company called netspend. I do not want this card but if i call the number to opt out it wants my social which i will not give. What dhoukd i do? 

Their address on correspondence is XXXX XXXX XXXX XXXX Texas. One phone number supplied is XXXX They say they got my info from a third part data provider.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX 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 XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collections account opened at XXXX XXXX. 
on XX/XX/XXXX with a balance of {$820.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the XXXX 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters via mail in online to XXXX XXXX and Experian, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
Product: Debt collection

Account has been paid in full. XXXX XXXX forwarded my file to a law firm- Aldridge , Pite & Haan . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this  accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
Product: Credit card

Capital One pre-approved my application for a XXXX card that gives a bonus points of XXXX points after spending {$4000.00} in 90 days. After completing the requirement, they put the XXXX points in my account. Two weeks after, they closed the account on XX/XX/2023. I intended to transfer the points to one of their airline partners ( XXXX XXXX ) but was not able to. Apparently, there was an activity in the past that they did not approve. But with due diligence, they should not approve applicants who they believe dont. conform with their policies. I believe the points I earned belong to me and if they dont. want us to do business in the future, thats their prerogative. 
They should restore my points and then they could do whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 15 U.S. Code 1681s2, as a furnisher of information to consumer reporting agencies, you have a duty to provide notice of dispute if a consumer challenges the completeness or accuracy of any information you furnish. However, I have disputed these inaccurate items with you over 35 days ago, and you have failed to notate it as disputed. This has caused significant harm, as I have missed out on offers due to the reporting of this inaccurate item without the proper notation of the dispute, which is a violation of the law under FCRA 15 U.S. Code 1681s2 ( 3 ).
Product: Checking or savings account

XX/XX/2020 a direct deposit of {$13000.00} was returned to the originator and the account was closed. I have contacted numerous times regarding this matter and it was never specified why this action occurred and that I violated the terms although they can not specify which terms. I have not been able to recover the funds due to this matter.
Product: Debt collection

I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form.
Product: Credit card or prepaid card

IN XXXX OF XXXX I NOTICED FRAUDULENT CHARGES ON MY BOA CREDIT CARD. AFTER DOING SOME RESEARCH I FOUND MULTIPLE DATES AND MULTIPLE CHARGES DATING BACK TO XX/XX/XXXX. I HAVE NOTIFIED BOA 4 TIMES TO REPORT THE FRAUD AND EACH TIME THEY HAVE DENIED THE CLAIM BECAUSE THEY SAY THERE IS A PURCHASE HISTORY. I HAVE TRIED TO EXPLAIN THAT BECAUSE THE FRAUD WAS NOT CAUGHT FOR SEVERAL MONTHS THAT IT ONLY APPEARS THAT THERE IS A PURCHASE HISTORY. I HAVE NEVER ORDERED FROM XXXX XXXX XXXX, I HAVE NO INVOICES AND NO DELIVERY CONFIRMATIONS. 
I CAN NOT GET THROUGH TO THIS COMPANY ON LINE OR VIA PHONE. BOA I AM ASSUMING HAS NEVER SPOKEN THEM EITHER. BECAUSE ALL I'VE EVER ASKED IS FOR BOA TO PRODUCE AN INVOICE OR A DELIVERY CONFIRMATION. AS A SIDE NOTE WHEN BOA DOES A WEB SEARCH THEY CONFUSE THERAPY SUPPLY HOUSE ( NOT THE FRAUD COMPANY ) WITH XXXX XXXX XXXX  ( FRAUD )
Product: Prepaid card

XX/XX/year> {$15.00} I believe there's another transaction from this person a year ago on another card my money was taken also
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1681B - Account with Global Lending Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Global Lending Services for their inaccurate reporting of a paid-in-full charge-off on my credit report. I believe this action is in violation of the Fair Credit Reporting Act ( 15 USC 1681B ). The details of the account in question are as follows : Account Information : Account Name : GLOBAL LENDING SERVICES Account Number : XXXX Account Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/XXXX Status : Paid, Closed. {$2500.00} written off. 
Status Updated : XX/XX/XXXX Original Balance : {$32000.00} Balance : - Monthly Payment : - Terms : 73 Months Despite the account being marked as " Paid, Closed '' and a charge-off amount of {$2500.00} written off, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing. 

I would like to bring to your attention the Fair Credit Reporting Act, specifically Section 604, which states : 15 USC 1681B - Permissible Purposes of Consumer Reports ( a ) In general Subject to section 1681b of this title, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe -- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; and ( B ) has certified to the consumer reporting agency that -- ( i ) the consumer report will be used for a permissible purpose ; and ( ii ) the consumer report will not be used for any other purpose. 

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. I believe that such action is necessary to ensure the fair and accurate representation of my credit history. 

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

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

PayPal limited my account for selling my personal items and keeping my money. I did contact requesting a reason and was told they do not have to say. 
On XXXX and XXXX I made a sale of some of my sports items With two different people. I am an Avid sports collector and have multiple items. I decided to sell for financial reasons with the craziness of last year. On XXXX I received a notification via email from PayPal stating I can no longer use services. On XXXX the first buyer received his stuff. On XX/XX/XXXX the second buyer received his stuff. I have proof of delivery along with all tracking info as well as pictures of items sent. Both parties states items received. These items were new unopened boxes. I reached out to pay pal via phone on XX/XX/XXXX as well as messenger on XX/XX/XXXX. Another call was placed on XX/XX/XXXX. I requested several times for a reason regarding my limitation as well as a reason for holding my money. They refuse to tell me. Their response to me on messenger was " they can not share the exact details behind the decision '' but I should trust that they have made the decision after careful review. It also stated they need to hold my funds for 180 days in case of any chargebacks. Really? When speaking to XXXX a PayPal representative on the phone on XX/XX/XXXX I was told a different department handles the limitations. I asked if I could please contact that department and was told no they do not take phone calls and no way to reach them. She told me there was nothing more I can do except wait 180 days and all she could do was note my account. I have read through the terms and agreement as well as the acceptable use policy I have violated NOTHING!! I have read others complaints that say PayPal often never releases their money and charges them over damages of their policy. From a company that so many trust yet should not. I expected more. I feel that if someone is holding my funds I at least deserve a legitimate reason as to why as well as being able to contact the ones who are responsible for this. This company is a scam at its best as well as poor customer service. I do not wish to ever do any business with PayPal again but I do want my money that is rightfully mine. I do have every intention of sharing my story with as many as possible in hopes that they are not the next PayPal chargebacks fraud victim so they can steal peoples money. 
Account ID : XXXX ****I have called twice now only to be told the departure that is making the decision regarding my own money has no contact information. I am told I just have to wait and see. I have sent messages via messenger and was told they can not tell me why they chose to limit my account. Attached is a screen shot of that response from the company. 
I have also reached out to the XXXX in hopes for some contact with nothing. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several loans from Republic Finance located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second written request asking the companies ( TransUnion, XXXX, & XXXX ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Statement # 1 : XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Statement # 2 | XXXX Inquiries XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XXXX XXXX, XXXXXXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX | XXXX XXXX, XXXX US SM BUS ADMIN ODA | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above 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 Statement # 3 : Equifax XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Statement # 4 | Equifax XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XXXX XXXX, XXXXXXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above 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 Statement # 5 : XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Statement # 6 | XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX | XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above 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 All of these companies were notified in writing of the violation ( s ) and has not brought remedy to the cause.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccuracies on Credit Report and Equifax & Transunion 's Misrepresentation Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax & transunion regarding persistent inaccuracies on my credit report and their subsequent miscommunication regarding the necessary documentation to resolve these issues. 

Background : I have been monitoring my credit report closely and have identified several inaccuracies that I believe are negatively impacting my credit score. Specifically, [ briefly describe the inaccuracies, e.g., incorrect account information, late payments that are not mine, etc. ]. 

I initiated a dispute with Equifax & Transunion on [ XX/XX/XXXX ], providing them with supporting documentation that clearly demonstrates these inaccuracies. However, despite my efforts, I received a letter from Equifax on [ XX/XX/XXXX ] stating that I needed to resubmit documents that were already included in my initial submission. 

Issues with Equifax : Misrepresentation of Information : Equifax & Transunion stated in their correspondence that the inaccuracies were not clear, despite the documents I provided being explicit in demonstrating the errors. This has caused confusion and frustration. 

Lack of Resolution : After multiple attempts to resolve this issue, including follow-up communications with Equifax & Transunion , I have not seen any progress or acknowledgment of the inaccuracies on my credit report. 

Impact on My Financial Health : Due to these inaccuracies, I am experiencing setbacks with obtaining a stable and secure place to live for me and my child, this situation is causing significant stress and financial hardship.

Request for Assistance : I kindly request the CFPB 's intervention in this matter. I would appreciate your assistance in ensuring that Equifax & transunion takes my dispute seriously and corrects the inaccuracies on my credit report promptly. Furthermore, I would like Equifax to be held accountable for their miscommunication regarding the documentation requirements.

I have attached copies of all relevant correspondence with Equifax & Transunion, including my initial dispute, their response, and any supporting documentation. 

Thank you for your attention to this matter. I look forward to your timely assistance in resolving these issues. 

Sincerely, XXXX XXXX