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

In XX/XX/2021 XXXX XXXX XXXX with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I found multiple discrepancies and issues that require urgent attention. These include accounts and inquiries that are not mine and appear to have resulted from identity theft : Collections and Charge-offs : XXXX XXXX XXXX XXXX Listed as charged off with a balance of {$7800.00} as of XX/XX/year>. I have no affiliation with this account, and it was reported incorrectly. 
XXXX XXXX : Indicated as a paid charge-off but notes " Account closed by credit grantor, '' which does not align with my records. 
XXXX XXXX XXXX : Erroneously reported with derogatory remarks. This account does not belong to me. 
XXXX : Displayed as delinquent, though I have never had any association with this entity. 

Unauthorized Inquiries : There are 7 hard inquiries listed over the past two years, none of which were authorized or tied to any legitimate application I made. 

Incorrect Personal Details : Several outdated or unrelated addresses, such as those in XXXX, FL, remain on my profile, which is inaccurate. 

These inaccuracies have had a damaging impact on my credit score and financial situation.
Product: Bank account or service

I am a US Bank customer, I went to a branch at XXXX XXXX XXXX. I was approached by the teller to participate in their checking promotion, " Just spend {$75.00} and we will give it back to you. '' I replied, my wife is in the hospital nearby and was in a hurry. He said it would only take 5 minutes. I agreed. He handed me a flyer and atm card and said just spend and call us when you are done. I call to redeem the my money the terms of the deal were chanced. Now that I just want to undo the deal they need me to come in again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX, and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. 

Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : Regional Acceptance Acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute several inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 1. Unauthorized Inquiries : FCRA Section 1681b ( f ) states that consumer reporting agencies may only furnish a consumer report for a permissible purpose. Permissible purposes include decisions related to credit, insurance, employment, and other legitimate business needs. Unauthorized inquiries are violations of this section.

2. Accuracy and Integrity of Information : FCRA Section 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumer 's credit report.

The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the FCRA, a permissible purpose for accessing my credit report requires that there is a legitimate reason to do so, such as for the purpose of extending credit, employment, insurance, or other lawful business purposes. I have not applied for credit, sought employment, or engaged in any transactions with the entities listed above during the respective dates of these inquiries. Therefore, I dispute the validity and legality of these inquiries and request that they be investigated immediately. 

I request that you provide me with detailed information regarding these inquiries, including the name and contact information of the entity or individual who made each inquiry, the date and time of the inquiry, and the permissible purpose for each inquiry as mandated by the FCRA. If you are unable to provide this information or if it is found that these inquiries were made without proper authorization, I demand that they be promptly removed from my credit report. 

Please be advised that I am aware of my rights under the FCRA and will not hesitate to pursue legal action if these unauthorized inquiries are not resolved in a timely manner. The FCRA grants me the right to accurate and fair credit reporting, and I expect that my rights will be upheld. 

I kindly request that you investigate and resolve this matter within 30 days, as required by law ( FCRA Section 1681i ( a ) ( 1 ) ( A ) ). Failure to do so will leave me no choice but to seek legal remedies available under the FCRA. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your reference. Please acknowledge receipt of this dispute letter and provide me with a written response as soon as possible. 

Thank you for your prompt attention to this matter. 

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

I am unable to log onto a Paypal account. I have tried password reset and also called them. ( I called them on Friday, XX/XX/2019 ). I also submitted a complaint to the company through their website on XX/XX/XXXX or XX/XX/2019 asking them if there was a way to submit proof of identity through USPS or some other means. They did not respond to my written submission.

I have moved several times since I last used the account, and don't know what address was on it when I last logged on or updated the account.

I am concerned the account could have money in it that I'm not aware of, be fraudulently used, etc. Plus, I am unable to use Paypal as a means to send money currently. The Paypal rep advised me to get another email account, which I don't want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting is very misleading. The information is all over the places and does not match up. I want this information remove at the earliest possible time
Product: Credit reporting or other personal consumer reports

I am filing a complaint to report identity theft. Sometime in XX/XX/2024, I received two back to back collection letters in the mail from Resurgent who is also know as LVNV Funding dated XX/XX/XXXX and XXXX. I submitted a notice to them for verification because I have never had any business with this company. My notice asked for specific pieces of documentation to validate the debt. I received a letter dated XX/XX/XXXX, that completed disregard the 8 items I requested to validate the debt. Instead, I received an alert that this same company reported the account on my credit report. For one they never validated the debt as requested. Two, I never did any business or signed any agreements with them. Third, I checked and they are not licensed to do business in my state. Last, how did they get access to my personal information to file this alleged account on my credit report. I am requesting that this account be immediately deleted from my credit report. If they can not send me the requested documents, I demand they cease and desist immediately. I have attached all the documentation as my proof to ask for proof of their claim to collect on the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX for a collection from MRS BPO. They did not provide an itemized statement of charges being reported therefore my rights are being violated. They are reporting inaccurate information and its affecting me. MRS BPO is not licensed in Texas as a collection company therefore they are fraudually reporting on my credit and XXXX refuses to look into it.
Product: Money transfer, virtual currency, or money service

I am complaining about the company Cash App. On or around XX/XX/2023 they unexpectedly closed my account without explanation. The only thing that was mentioned was that " Your account has been found to be in violation of our Terms of Service ( https : //cash.app/legal/us/en-us/tos ) and/or Acceptable Use Policy ( https : //cash.app/legal/us/en-us/acceptable-use-policy ) and has been closed. '' Notice, they send a general list of violations, nothing specific to my account at all. When contacting support for clarification, they reference the same thing. This is in direct violation of my consumer rights as any action taken may be supported by proof and/or a valid explanation. Instead, they ask me what my account is used for, I reply, " Exchanging money between family and friends. '' Which says, that if they had to ask, then that means they are truly unclear on what the violation is if any at all. If we let institutions just shut down our accounts and give blanket statements as to why the shutdown occurred, this gives them unchecked authority to do what they will. This is unacceptable. 

Cash App Handle : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX, & Transunion has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information that can not be verified ''. Please resolve this matter as soon as possible. 
Thank you.
Product: Credit reporting or other personal consumer reports

MUST BE REVIEWED BY A HUMAN HUMAN XXXX XXXX  CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214,18 USC   1348, [GAAP] VIOLATION, 18 USC 1028 XXXX XXXX XXXX  GRANTOR/ORIGINAL CREDITOR/BENEFICIARY/PLAINTIFF: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 DEFENDANTS/VIOLATORS: XXXX, XXXX, EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TO WHOM: IT MAY CONCERN ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a (2) | DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ:: ATTN: XXXX  XXXX EQUIFAX ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a (2) | DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST FRAUD PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED FRAUDS ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF {GAAP) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681(ad2ai) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. | HAVE FILED A POLICE REPORT CASE # AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY XXXX XXXX XXXX  UCC 1-308
Product: Checking or savings account

I purchased an engagement ring from XXXX XXXX XXXXXXXX on XX/XX/year>. I returned the engagement ring to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX refunded the full amount to my debit card in the amount of {$11000.00}. I received a notification from Chime stating that the refund was expected to be processed by XX/XX/year>. The funds were never deposited into my account from Chime. They claim to have no record of the refund. I followed up with XXXXXXXX XXXX XXXX and they assure me that the refund was processed and that the funds were sent to my account. They provided me transaction information proving that the {$11000.00} was refunded to my debit card. I started a dispute with Chime bank, and provided such information as the receipt and the transaction information provided by XXXXXXXX XXXX XXXXXXXX Chime denies that any mistake has been made, and they are refusing to issue the funds into my checking account.
Product: Mortgage

XX/XX/XXXX regular payment made {$780.00} mis-applied to principal XX/XX/XXXX regular payment made {$780.00} mis-applied to principal both mis-applied by servicer as principal balance reduction. I calledXX/XX/XXXX ( 12 min call ) and XX/XX/XXXX ( 26 min call ) requested twice for corrections. I followed up on XX/XX/XXXX ( 5 min call ) and was told had to be transferred to someone else ( another 8 min call ) I was assured this was corrected and corrected 1098 would be sent out. XX/XX/XXXX, got the same 1098 in the mail again ( not corrected ) another call ( 23 mins ). I was told this time not corrected and will now take another 30 days and they make lots of errors. ( they do ) I am not able to determine on their website what is the last payment applied nor see any of my payment history, but each time I sign into my acct it prompts me repeatedly to go paperless. ( That way i'd never know what they are doing ) Also they failed to pay my hazard insurance {$2000.00} causing cancellation of my insurance XX/XX/XXXX. I called them to advise and they paid it twice. {$2000.00} & $ XXXXThis also caused my escrow account to go into the negative. My insurance was reinstated and I was sent the overage and paid it back into my escrow account XX/XX/XXXX. I need this all corrected prior to my annual escrow analysis being done in XXXX as the mis-applied 2 pymts will cause further shortage in my escrow acct resulting in higher payment thus another mess to deal with. I want my 1098 corrected like yesterday to include those 2 payments paid in XXXX and a statement to SHOW the corrections and the funds XXXX and XXXX applied as regular payments back dated to XX/XX/XXXX and XX/XX/XXXX. It seems every time I call I get a different made up story oh I can't get into my back office right now to see? ( LIAR- made up XXXX please don't insult me ). I asked for escalation tonight XX/XX/XXXX and was told they can't do that? This is causing undo stress an anxiety on me for multiple errors this company has made. I'm a senior citizen now and should not have to deal with this stress or repeated calls to correct.
Product: Credit card or prepaid card

To whom it May Concern : I applied for credit from American Express Serve only because my account with XXXX and XXXX was closed. I contacted XXXX and XXXX and they said for them to credit me the date of the transaction. This is what XXXX done to my account. 
Provisional Credit for Dispute XX/XX/XXXX {$190.00} Now on XX/XX/XXXX The Provisional Credit Reversal XX/XX/XXXX - {$190.00} These funds were not supposed to be reversed out. 

I am seeking these funds back into my account. 


This is the letter that was sent by XXXX  and what American Express Serve was supposed to do. 

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX XXXX GMT+5:30 Hello XXXX, Thank you for reaching out to us through the XXXX XXXX XXXX  XXXX My name is XXXX and I am a manager of XXXX 's Customer Support team. I have reviewed your most recent comment and all internal XXXX correspondence. 

Regarding your complaint : I am really sorry for any confusion or trouble. As we mentioned before, the disputes filed for the XXXX purchases were resolved in your favor. In this situation, we recommend reaching out directly to your financial institution to resolve the issue. 

Thank you for your understanding. 

Regards, XXXX XXXX Manager XXXX Customer Support
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, also Account # 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 a account without my written instructions.
Product: Debt collection

Account name : XXXX XXXX Account XXXX : XXXX 15 usc 1692c ( c ) that law clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Credit reporting or other personal consumer reports

In XXXX of last year, I entered into an agreement to finance a vehicle from a small dealership in XXXX XXXX, New Jersey. After several weeks of negotiation, I decided to cancel the purchase. Despite canceling the agreement, the dealership received payment for the car, which I never received. 

I spoke directly with the owner of the dealership, who assured me that I would receive a refund for the payment. However, it seems the dealership never processed the refund, and I am still being charged for the vehicle, which I no longer wish to purchase. 

As a result, this situation has severely impacted my credit score, and I believe this may be an instance of fraud or identity theft. The charge is incorrect and does not reflect the canceled transaction. I am being unfairly held liable for a product I did not receive and did not intend to purchase. 

I put the name 's creditor that appears in my credit report. 

Creditor Name : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have no idea why my score dropped 31 points from experion score. i am in the procces of getting a refi on my home company did credit check but i know why my score droped 31 point i pay all my bills on time i know you take slight hit on your credit when company pulls up credit but not 31 points maybe 1 or 2 points down?? please re investigate credit score again and please notify about this problem
Product: Student loan

This started in XXXX when payments resumed. I notified student aid that my amount was incorrect, it was too high. I was laid off XX/XX/XXXX. My payment was set at XXXX $ on edfinancial. And, they werent answering their phones ( hold times of > 8 hours which exceeded their work day ). 

Student aid reprocessed it and it should have been XXXX XXXX They sent it to edfinancial, edfinancial denied it. Told me to pay XXXX $ said that I had parent loans. ( I am the student, not the parent, these are all student consolidated loans ). Finally spoke to someone at EdFinancial in XXXX, they put me in forbearance. Agreed that my payment should be XXXX XXXX until I can file my taxes separately from my wife since I am unemployed still. Still not processed, now I owe XXXX XXXX they refused to do anything. The ombudsman refused to investigate, student aid doesnt care, edfinancial doesnt care. No one cares, its XXXX, and I never even loaned the amount I owe. 

They kept capitalizing on my loans over the last decade to double my debt from XXXX or so to XXXX. None of this is right, this is crushing me.
Product: Credit card or prepaid card

Citibank has been a nightmare- incompetent stuff and their online systems does not work. It has been months that i am trying to get ride of them- and i am so frustrated that i just want to cry. I opened a credit card from the get go i was not able to sign up the card, login and monitor or pay my bills, when i called to resolve the issue, they needed to verify identity which would be through sending a text message- but of course their stupid system doesnt work- the next option was to send a letter in mail which took months, everytime i call i am on the phone for an hr, eventually i heard that verification was never sent in the mail, at this point since i had lost the credit card, they told my account was locked and not able to pay the bill through the phone- long story short, they brought my credit score down by XXXX numbers- wasted HOURS AND HOURS of my time- and even after i finally paid the full amount and closed the account, the card was still charged by some unknown online merchandise, so they charged the closed account for {$70.00} late fee, i called back again and now they want me to go through the process of verifying my identity through mail AGAIN. I just cant handle it anymore!!! It is beyond frustrating!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX XXXX XXXX - Compliance with XXXX XXXX Code XXXX and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX XXXX - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to XXXX report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of XXXX XXXX Code XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for myXXXX XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.