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

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting acXXXX XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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.

15 U.S.C 166b A Credit or May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is blocking my access to their services. Transunion acknowledged this fact when I spoke to USA based rep XXXX XXXX. 
He stated he was sending problem ticket to their IT department and someone would get back to me. On top of this, they have multiple usernames I used but have since changed and need to delete any legacy account info no longer in use ( outdated ) I can confirm all usernames and emails they can lookup upon request and/or they can consolidate all of that info into one email/username. 

XXXX XXXX supposedly removed my credit freeze and extended fraud alert but never did. Credit freeze and fraud alert need to be removed and any other alert I might not know about. Transunion needs to help me get setup on their system and make sure I am also OPTED IN. I AM NO LONGER PERMANENTLY OPTED OUT Username is XXXX Also, i cant log into : disputes.transunion.com Fix immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from XXXX or Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX/XXXX  {$400.00} XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I unwittingly fell victim to a deceitful scheme involving my sister 's PayPal account. Someone gained unauthorized access to her account, assuming her identity to deceive individuals like myself. In good faith, I transferred {$3000.00} to what I believed was my sister 's account, unaware that it had been compromised. 

Upon discovering the scam, I immediately contacted PayPal to rectify the situation and requested the cancellation of the transaction, seeking reimbursement. However, they directed me to contact my bank, XXXX, to reverse the transaction. Despite initiating a claim with XXXX and their assurance of a temporary credit during their investigation with PayPal, they regrettably denied my claim within a few days without providing the promised temporary refund. 

I have yet to receive a detailed report from XXXX regarding their investigation. It appears they did not thoroughly verify my claims or contact PayPal to substantiate the situation. Presently, both PayPal and XXXX acknowledge the fraudulent nature of the incident but claim their inability to remedy it. Consequently, I've incurred a loss of {$3000.00} along with sending fees totaling {$92.00}. 

This experience leaves me disheartened as it seems neither PayPal nor XXXX has taken sufficient measures to safeguard users or assist victims of such scams. There's an evident need for PayPal to enhance its account security measures, ensuring rigorous identity verification protocols.
Product: Debt collection

I recently obtained my consumer credit file and discovered SANTANDER CONSUMER USA, INC is reporting an alleged debt as a CHARGE OFF. Accordingly my records reflect SANTANDER CONSUMER USA, INC is not a known creditor of mine and I have not applied for, neither received any services or credit from this particular agency. SANTANDER CONSUMER USA, INC has not communicated with me to verify or validate any debt that I allegedly owe to them as of XXXX/XXXX/XXXX. Therefore I have respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, 15 USC1681, and ORC 1345.01 respectively on XXXX XXXX, XXXX and XXXX XXXX, XXXX light of the foregoing SANTANDER CONSUMER USA, INC is demanded to please provide the alleged original genuine executed agreement that memorializes the transaction between SANTANDER CONSUMER USA, INC and Myself that supports SANTANDER CONSUMER USA, INC alleged creditor status.
Product: Debt collection

Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong. 

The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and XXXX.
Product: Credit reporting

An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted Equifax, XXXX and XXXX and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
Product: Credit card

I ordered a pair of shoes from XXXX. I received a tracking number and the package was mistakenly delivered to an address several blocks from my house. I never used that address and I went there to check if my package was delivered there and I was unable to locate my package. I contacted the merchant and eventually had to contact my bank to dispute the transaction. It took them 30 days to return my money and after 60 days they told me that they had resolved the issue in favor of the merchant. I never received what I paid for and I should not be responsible for paying for something I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute  initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan to help with debt and this company Advance financial is engaging in predatory lending practices by charging significant amounts of fees for financing the line of credit above XXXX XXXX. My main was for XXXX. My first payment was in XXXX. In just XXXX months. My payoff amount is approximately XXXX accruing hundreds of dollars weekly. Even if I paid this loan back today, I would be paying about {$800.00} more dollars just for using this service, which is impossible to pay off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I applied for CareCredit for dental services. The original approval amount was {$2500.00} which was reported to my credit for 6 months with no late payments at the time my credit score was XXXX. I utilized {$420.00} of the XXXX. In XXXX of 2024, Care Credit reran my credit and decreased my available credit to {$310.00} which caused the card to report to the credit bureau 90 % usage, which is not accurate causing my credit score to drop from XXXX to XXXX. I received a letter from the company advising delinquent accounts and not enough revolving credit were the reasons for the decrease in the approved credit amount, When I spoke with the representative I asked her dod they approved me with he current scores she advised yes, and couldn't explain why the decrease was necessary, This has caused my score to drop without reason and I have not been late on any of my revolving credit. I also inquired about the payments I have made totaling XXXX and the representative couldn't explain where the payments were being they were on the original credit limit of {$2500.00}
Product: Credit reporting or other personal consumer reports

On credit card number ending XXXX sychrony bankcard for amazon store the bank sychrony reports that i have not paid a balance of {$480.00}. 
that statement took my credit down from XXXX to XXXX. 
all items in question were returned before XX/XX/XXXX. 
amazon investigated ( 3 ) times around ( 3/2023 ). amazon emailed me ( 3 ) different times Saying they refuned sychrony bank already ( XX/XX/XXXX ). 
sychrony bank had and has no reason to legally mess up my and they continue on this path .My credit is to be restored to XXXX as it was before sychrony bank made the ( false and completly FALSE FILING WITH THE CREDIT AGENCIES. )
Product: Debt collection

In XX/XX/2022, I sent certified letters to the law offices of XXXX and XXXX in XXXX XXXX, Ca telling them that the debt doesnt belong to me that my name is XXXX XXXX XXXX not XXXX XXXX for that is my fathers name and I have no knowledge of this debt and is not my debt. I received no response then on a random day when I returned home from a work trip and vacation I have a random court summons saying Im being sued by XXXX XXXX XXXX. The document was left on my door steps and mustve flew around because my neighbors shared they had to grab the papers from blowing away. I was not properly served nor this this debt mines and they yet to provide the original purchase agreement with the terms and conditions that shows I owe this alleged debt. This is poor practice for I feel harassed, Im embarrassed, and this is on my credit report and it is doesnt belong to me. Please help and stop these predators for illegally trying to sue people and get judgements because the individual is not aware. Ive a victim of identity theft and my police report file number : XXXX XXXX police department XXXX XXXX XXXX dispatcher XXXX XXXX id # XXXX Identity theft File # XXXX I also sent another certified letter requesting the original purchase agreement again on XX/XX/2022.
Product: Debt collection

I have received 7 calls in the last month from different numbers that belong to Midland credit. I have never been in debt. There is no reason for them to have my information or for them to call me. Every time I block their number they call from a different one.
Product: Credit reporting

I looked at cars at XXXX XXXX in XXXX XXXX. 
After I was pressured into signing a paper I immediately asked the sales rep to cancel my application. 
XXXX XXXX ran my credit to various lenders without my permission and now the Credit Companies refusing to remove the inquiries. 
This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX XXXX Account XXXX XXXX late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX Please delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you
Product: Credit reporting or other personal consumer reports

Once again, Experian failed to conduct a legitimate reinvestigation, as mandated by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to carry out a " reasonable reinvestigation '' when a consumer disputes the accuracy of information. 

Despite this requirement, Experian has retained erroneous and incomplete information on my report. Additionally, under Section 1681s-2 ( a ) of the FCRA, credit reporting agencies have a Duty to Provide Accurate Information, which I believe has not been upheld in this case. 

I have included a detailed letter listing the incorrect items on my Experian credit report. Also, to prove my identity, I have attached my driver 's license and a recent utility bill.
Product: Debt collection

TRANSWORLD SYSTEMS INC IS REPORTING AN UNVERIFIED FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM A XXXX UTILITY COMPANY THAT WAS OPENED IN XXXX. I HAVE BEEN A RESIDENT OF THE STATE OF XXXX SINCE XXXX. I DO NOT OWN ANY PROPERTY IN XXXX AND I HAVE NOT OPENED ANY UTILITY ACCOUNTS IN XXXX. IF THIS ACCOUNT IS NOT DELETED FROM ANY CONSUMER REPORTING AGENCIES IT WAS REPORTED TO WITHIN XXXX DAYS AS REQUIRED BY THE FCRA, I WILL BE FILING FOR DAMAGES PURSUANT TO 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ).
Product: Credit reporting or other personal consumer reports

I was having financial difficulties, and my car was repossessed. XXXX at the end of month. My credit has been reporting delinquent since I was making any on time payments. I talked with the lender to let them know I would not be getting the car back. They sent me a letter XX/XX/XXXX or so showing what it cost to get my car back repossession fees what the time frame will be to get it back. And when or about it will go auction off. So how can they report on the XXXX of XXXX that XXXXm derogatory of the full amount on the loan, and the car hasnt been auction offed to leave any outstanding balance.
Product: Credit card

I was living with a friend and he went through my personal belongings and I found pictures of my ID, social security card, and my credit report on his computer. I checked my credit report and their was a credit card maxed out. my bank accounts have suddenly been closed due to fraud investigations. the banks tell me it is my fault for leaving my purse out in my own home where I thought it 'd be safe, but apparently it was giving him permission to go through my belongings. my signature has been forged on checks from his account deposited into my accounts and he is saying I did that. I ca n't open a bank account anywhere. I ca n't even get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.