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

To whom it may concern : I am a victim of identity theft and XXXX XXXX  
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Transunion comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
Five fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX and XXXX  out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above Five items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized two Credit Cards in my lifetime, they are both from XXXX XXXX opened in XXXX, and those plus three auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the Five fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, Also attached is my XXXX XXXXXXXX by the XXXX  XXXX XXXX XXXX XXXX  years ago proving that I was an XXXX XXXX XXXX XXXX XXXX 
Please have Transunion comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Transunion. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry on my credit report. I want to be absolutely clear that I never gave my permission or authorization for this company to pull my credit report. This action was unauthorized and is a direct violation of my rights.
Product: Credit reporting or other personal consumer reports

Back in XXXX have seen the XXXX XXXX XXXX on my credit report stating that I owed {$10000.00} in fees for an apartment that Ive never lived in. I immediately contacted them by phone no response, I drove there to speak with property manager I had no help everyone there was nasty had attitudes. I asked for the paperwork on the apartment to see how was this affecting my credit, they told me they couldnt provide any paper work I would have to come back at a later date. After that I seen it had disappeared off my credit, as of XX/XX/XXXX I seen they tried to charge me {$8600.00} for this same apartment that Ive never leased.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, my name is XXXX XXXX XXXX this is not a 3rd party filing this Notice. 
According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. The permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting or other personal consumer reports

Just a question. Transunion is still up to their old practices. I'm sure you have a thick file of this without me. So ... my question is... why is this company still allowed to do business?
Product: Money transfer, virtual currency, or money service

This is the first time I have allowed Citizens to do a billpay transfer to my mortgage loan company, XXXX XXXX. Even though the transfer looks like it was initiated ; the date or that the allegedly received payment was XX/XX/XXXX. That date came and went. I initiated payment on XX/XX/XXXX and from my past experience, this is should only take XXXX to XXXX day for the biller to receive their money. This is going on almost XXXX days and Citizens has nothing to tell me except wait wait wait. Meanwhile I am about to incur a {$150.00} late fee and have my credit score hurt because they dont know where the paper check is. I find it suspicious that it has no history of when the check actually was sent out. They only claim that it was received on the XXXX, again that is factually incorrect. Where is my money? According to my balance in my Citizens Bank, it looks like they never sent the money out. I need this payment paid out in a big way quickly.
Product: Credit reporting or other personal consumer reports

I have a collection account reporting as a open account with a past due amount, I disputed collections are not suppose to have a past due this is inaccurate information 15 us c 1681i ( 5 ) Treatment of inaccurate information must be removed... equifax said it was accurate both can't be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not owe this original creditor any money. I gave notice and left my apartment for medical reasons due to a XXXX. They charged without issuing an itemized bill and the collection agency refuses to work with me reporting this to XXXX. They have a monopoly with contracted Apartment Complexes meant to force tenants to pay exorbitant fees when they leave or ruin their chances of finding suitable housing ever again. Someone needs to investigate the relationship that this collection agency has with these companies as it's oppressive to lower-income working XXXXXXXX XXXX XXXX XXXX refuses to let me dispute this again after disagreeing with the results. I was a recent victim of XXXX XXXX and was displaced. This report keeps me from obtaining safe housing for my family and me. When I disputed, I was further punished by them updating the balance and date of the last activity to prolong the period that this will remain on my credit report against me. This practice needs the end. 

NATIONAL CREDIT SYSTEM Original creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$2100.00} Balance updated XX/XX/2022 Original balance {$2100.00} Account info Account number XXXX
Product: Checking or savings account

I had my auto insurance and renters insurance paid directly from my checking account. Beginning month of XX/XX/2022 both account we're paid by my bank. I was able to see bill was paid on both sides. After that my auto insurance payment went back into my checking account. Then on XX/XX/2022 I had a pre-authorization charge for XXXX rental car for {$1200.00}. The ticket was closed out and the amount owed was a little over {$1400.00} a few. My account was of course charge that amount which put me in the negative of {$1400.00}. Now there's a {$1300.00} dispute I have with a merchant that refuses to respond to me and refuses to respond to me or my bank. Was looking under the app of that merchants in noticed today that I I'm at a zero balance and not seeing money in my bank account, why? Also my bank doesn't even have record of some of these transactions and isn't able to give me any answers to my questions.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Requesting a 1099C since the company has charged off the amount.
Product: Debt collection

Synchrony for JC Penney Keeps calling me repeatedly almost every hour of the day. I have expressed to the company I can not pay the bill at the moment. I attempted prior when I missed one payment after the one missed payment the put this credit card debt into collections without attempting to call me about the bill. They are rude and hang up the phone or use fulgur language when I call. They claim I can not pay the debt unless I call the collector, they will not provide me with the phone number to do so. This company keeps harassing me
Product: Debt collection

they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.
Product: Credit card or prepaid card

I am having a problem with a financial company ( not a bank ), that offers Credit cards to the public. My initial card was a MILESTONE card. I had been making my payments on time, every month. All of a sudden, in XX/XX/XXXX, they started allowing LIMITED ACCESS, to the card. When I asked why, they told me my access, had been restricted, except for making payments. When I went to the website, and checked my statements, I found, that someone in their organization had listed/changed my account address to TWO different addresses in XXXX XXXX  XXXX I live in XXXX XXXX! And, I contacted them, in XXXX & XX/XX/XXXX, to complain about this.They first told me : that they reactivated the account. But, I was ONLY allowed to MAKE PAYMENTS, to the account! Then, in XXXX or XX/XX/XXXX, they told me : that I could only continue to make payments. So, I applied for a different card, not knowing that they were associated with the that new card, as well. So, after submitting my application for the new card, it was DENIED, because it was affiliated with this same company.
Product: Debt collection

This is my third attempt to have them remove the inaccurate information listed with the credit bureaus. I am still disputing this based on the law they used a stall tactic the first time and failed to meet the 30 day requirement to send me physical verification. A violation. That was grounds for them to remove info. I asked for info on how/why they are charging 12 % and reminded them they didn't send verification the first time. They answered again. The contract they sent showed clearly that 10 % is the correct amount. They have failed to follow the law. They failed the original request to validate within 30 days, They have the wrong amount showing, which is a violation and grounds to remove it. How is this possible under FDCPA. 

The FCRA requires you to verify the validity within 30 days. You didn't you are obligated by law to remove your inaccurate derogotory information. You also stated you are charging me 12 % wrong interest rate another reason you are obligated to remove it. You leave me no choice but to sue you for actual damages and declaratory relief under the FCRA. This regulation states I may sue you in a qualified state or federal court including small claims court in my area. I look for a swift and amicable resolution. 

They are falsely stating they are following the law.
Product: Credit card or prepaid card

I have a credit card through Bank of America, opened 13 years and 1 month ago. I have been a loyal customer and paid on time for years until I was impacted by the Coronavirus pandemic as well as a personal XXXX  crisis. I lost my job in XXXX as a result of the pandemic, and also contracted XXXX  while XXXX, which created a cascade of health issues requiring hospitalization and ultimately the XXXX  XXXX  of my son, who was then admitted to XXXX. During this time I suffered a second job loss since I did not qualify for FMLA with my new job. I attempted to login via Bank of America 's app to pay my credit card bill during this time, but was locked out of my account. In order to unlock the account, I needed the full account number, but did not have access to this, since I never received a paper bill and my household goods ( with older statements ) were in storage after being forced to move in with family ( again, due to the pandemic ). I called Bank of America on XXXX XXXX2020 once my son and I were well and requested my login be unlocked, paid my current bill as well as the next month 's, and requested the late payments reported since XXXX, 2020, be removed from my credit report. Ultimately I was denied, even after escalating the call.
Product: Debt collection

Received collection letter dated XXXX XXXX XXXX from XXXX XXXX XXXX XXXX about a debt for LVNV for {$14000.00} last XXXX digits on letter are XXXX. I do n't owe any money to LVNV I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with LVNV.
Product: Money transfer, virtual currency, or money service

The company did not provide an explanation for the limitation of my account, limiting itself to referring to the user agreement. She could not answer what actions I had taken could have caused such a decision. Therefore, I believe that this company did not respond to my claim. PayPal executive office rely to " high level of risk associated with your Account ''. However : 1. My account got only 19 completed orders on this account. 2. I got 0 complaints for all the time that I use this account. All my customers were happy. 3. On my previous account I had a hundred of completed orders. I passed all checks from PayPal and my business wasn't " high risked ''. I didn't change my business since that. 4. I consulted with PayPal support about my account and actions and there was no problem with my account or anything. I'm not sure that PayPal even tried to check the problem closely because they didn't asked me for any documents or proves of fulfilment of my orders. I am happy to contribute to PayPal, but they do not give me a single opportunity to exonerate myself. Also they don't give any reasonable explanation for blocking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found unauthorized inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request to CAPITAL ONE BANK USA NA to validate the account that was opened on XXXX XXXX, XXXX with a balance of {$5900.00}. To this day, the creditor was failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.
Product: Debt collection

Over the past few years we have been contacted by the collection agency XXXX XXXX XXXX about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find the documents that are proof of manipulations, fraud, and identity theft. Clear my credit file since the fraudulent now under my social security account was already paid off. 

First find the federal student aid report from XXXX College as off XXXX, it clearly state that my balance was in collection was {$13000.00} Even I paid it off. see check attached. 
Second find the letter from USDE dated XX/XX/XXXX which clearly state the total amount of loan consolidated on a duplicated fraudulent account Using my identifiers XXXX XXXX now under my social by fraud, and identity theft, as off year XXXX the balance was {$13000.00}, matching the numbers on my original student loan, and also state that the total amount due to satisfy debt worse {$14000.00} Also attach find XXXX Direct loans statement 1098-E form the last one I had received until todays date. ... 

Following the numbers requested on the letter dated XX/XX/XXXX, On XX/XX/XXXX I Issued a check in the amount of {$14000.00} to pay my outstanding balance on my original account as requested to the IRS off set unit And also requested to satisfy my account And refund any overcharges. The IRS issues a refund in the amount of {$2700.00} with {$.00}. 


I never received the satisfaction letter. 

And Last find US Department of education later dated XX/XX/XXXX in this letter Is more than clear the fraudulent transactions, Harassment and criminal activities from XXXX XXXX the attorney involved in this fraud. 

This letter contradicts and had huge discrepancies on the balance due on the previous letter dated XX/XX/XXXX my account is still outstanding when I already pay off its entire balance due based the information provided on the duplicated account using my identifiers matching according to Their own letters, why the harassment?, Why do you are already charging me for an account was already paid?. Please stop Criminal activities and economic crimes set up by the US Department of education and me clear and satisfied my account stop terrorists from making false claims to the IRS, stop government harassment. 

Today I did file a new complaint because still Transunion XXXX. Transunion refuses to correct inaccurate information in my file such as current residence address and student fraudulent loan currently now under my social security by fraud and identity theft, however it was already paid off since the payment I made to my original account were transferred and applied to using to the fraudulent account Now under my social security.
Product: Vehicle loan or lease

I had my identity stolen and I found out it was being used in many different states a couple years ago. Ive filed a police report. Years later in 2024 Im trying to purchase my first car and Im getting denied left and right because I have a car loan in collections as well as a repossession under my name. I searched for more information to find out the company Driveway by XXXX, which is an online car dealership. A XXXX was loaned from that company but I never received the car or knew anything about a car being delivered to me.