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

The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXX Balance updated XX/XX/XXXX Likewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XX/XX/XXXX XXXX Account Info Reference Number XXXX Court Bankruptcy chapterXX/XX/XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I submitted this : I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of  mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban. 

I received a reply from the company stating, " As stated in the Restricted Activities & Holds section of the User Agreement, your remaining Account balance will be held for up to 180 days. We will make any remaining funds, less reversals or other applicable debits, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. Due to the global concerns over COVID-19, we have implemented limited staffing of PayPal Customer Support for safety precautions. We apologize for this experience but can assure you we are still committed to providing world class customer service and can be reached via email and chat. Alternatively, you can use the self-service options found on your Account. '' I was  lied to by the company. On XX/XX/2020, the company illegally withdrew my entire balance and said it was a payment for " PayPal 's damages caused by Acceptable Use Policy violation ''. This is ridiculous. I need my money now. I was blatantly lied to by the company and I am frustrated.
Product: Mortgage

Home appraised at {$200000.00} we purchased it for {$160000.00}. We have made bi weekly payments starting XX/XX/2019. The PMI still has not been removed. We are well within the range where PMI should not be taken out of our mortgage.
Product: Debt collection

The company is reporting account as open on monthly basis with a balance. Has yet to send a sign contract or a payment slip as requested and identifications. I need a sign lease with name and signature sent to me in XXXX days if creditors can not supply information deleted reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo check my credit with out my permission. I received a letter that had my credit score from wells fargo.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I am sending this letter to formally contest multiple entries on my credit report that I feel were reported in violation of the regulations of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Based on the established legal decision in this particular case, I respectfully ask for the deletion of these accounts from my credit report or for them to be modified to accurately represent a neutral or positive status. By doing this, it would guarantee that my credit report is an impartial and precise depiction of my credit history. The following are the referenced accounts that require updating to reflect positive information or removal from my credit report. More precisely, I am contesting the following issues on my report.Upon receiving a copy of my credit report, I discovered several erroneous entries that are being inaccurately reported :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXX remove late payments 2. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late 3. XXXX  XXXX XXXX XXXX Remove account 4. XXXX XXXX XXXX XXXX remove the account 5. XXXX XXXX Remove account, not in collections 6. XXXX XXXX XXXX Remove account should not be on the report 7. XXXX XXXX XXXX remove from mortgage report and all credit reports 8. EQUIFAX FRAUDIQ IDENTITY SCAN ALERT removes any remarks 9. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 10. Remove all names that are not XXXX XXXX XXXX 11. Remove my social security from all reports 12. Remove all inquiries from my credit report I did not approve 13. Remove all SERIOUS DELINQUENCY or late payments from all accounts that apply 14. Remove XXXX XXXX XXXX 15. Remove XXXX XXXX 16. Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 17. Remove XXXX XXXX XXXX XXXX 18. Remove all closed accounts from all reports 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I ordered numerous items from the company XXXX XXXX, purchasing process was smooth however while my items were out for delivery, the shipping company XXXX ( 9 total different packages ), stated on my items tracking number that my items were being sent back to the companys warehouse because it was recalled. I waited for my items to arrive to warehouse and was signed for by XXXX So i called XXXX XXXX so they could provide me a refund, however the supervisor there told me to dispute with my card company to recieve a refund. I disputed and submitted my valid documents showing i didnt recieve any items and that the items were sent back to warehouse and signed for by XXXX. However Discover ( the card i used ) found the transaction to be valid which is impossible considering the tracking numbers clearly show that all items were returned and signed for, as well as chat status with customer support of XXXX XXXX insisting i disputed my case. I am now being charged XXXX USD for items that were not received and recalled by the company itself. The purchase was made XX/XX/. Dispute was closed XXXX XXXX XXXX Its a fraudulent charge by the company XXXX XXXX and the negligence of Discover since im showing clear evidence i did not recieve my items. All pictures show they were delivered and signed for in warehouses of XXXX California and Ohio. I also provided a picture of the travel history showing the shipper requested packages to be sent back, out of my control and without my permission. I have also provided a picture showing customer service telling me to start chargeback with financial institution and unable to cooperate and help me.
Product: Credit reporting or other personal consumer reports

I recently applied for a home loan and notice fraudulent reporting on my consumer report I did not give written permission or instructions for the identified transactions to be reported on my consumer report i am requesting that this be brought to you guys attention ASAP AND BE REMOVED AND BLOCK my request is not being made in error or is my request to BLOCK AND REMOVE basis of a material misrepresentation of fact by relevant to the request this information and transaction made by me as a consumer XXXX, XXXX, TRANSUNION ACCOUNTS XXXXXXXX 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  PLEASE REMOVE WITH IN 4 BUSINESS DAYS PLEASE AND THANK YOU
Product: Debt collection

Midland Credit Management has continued to call my phone, asking for XXXX XXXX and they have been told countless times that I have had my phone number since XXXX  and no one has had my number for XXXX XXXX. I have been called a liar, received repeated calls, and when asking for the corporate number they tell me only XXXX deals with the calls. I have exhausted all my efforts to try and stop the harassment of this company but everything has failed. You block them, and they call from another number. I have spoken to corporate before about this issue but apparently, they have ignored my requests to stop receiving calls from them. I was assured it would stop but it has not...
Product: Debt collection

XXXX we got hit with hurricane Maria in Puerto Rico, after some time without power and access to money and damages we had to leave Puerto Rico I am XXXX veteran I informed them of my looses and the said to turn the vehicle to them that they would report it as disaster related. its now years since I have been trying to get them to remove there statement from my credit report if they charged off the vehicle how is it that there is a balance and the account open as I see it they are trying to get pay again I need this off my file its killing me any help would be great thank you here are the accountsFIRST BANK PUERTO RICO Potentially negative Date openedXXXX Balance {$6100.00} StatusAccount charged off. {$6100.00} written off. {$6100.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$11000.00} StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.
Product: Credit reporting

XXXX, XXXX and Equifax reporting for Acct Number : XXXX : On Equifax, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Xactus LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ], I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Xactus LLC, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report.

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately.

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! 
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, Iowa Student Loan reported me as being 60 days late. Prior to the reporting, I was in a forbearance with my loans. I never received a written, phone call or e-mail notification that my forbearance was expired. If you look at my credit report, you will see I never had any other late payments with Iowa Student loan XXXX Aspire Servicing Center ). I have tried unsuccessfully for years to have this removed from my credit reports. Because XXXX reports separately, I am showing a 60 day late 6 different times. I am requesting to have the 60 days removed from my credit report.
Product: Credit reporting or other personal consumer reports

Beginning in XX/XX/year> the account in question XXXX XXXX XXXX XXXX XXXX XXXX was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair. 
As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for XXXX.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX Musician who travels the world and depends on reliable and trustworthy banking to operate my life and business. 

On Friday, XX/XX/XXXX I received a phone call from someone claiming to be the " Chase Bank Fraud Department. '' They said that there were fraudulent charges on my debit card and that my online banking had been hacked. They proceeded to provide me with my social security number, driver 's license number, and other details only my bank would know. They did this to gain my confidence and in fact, they even played Chase Bank music on the phone. They put me on hold to " issue me a new debit card. '' During the call, they asked me to verify PIN numbers sent through text messages to my phone. 

The following day I learned that someone had tried to execute 6 wire transfers to themselves from my account to theirs, without my permission. 5 of the transfers were rejected by Chase Bank. The 6th one went through for {$13000.00}. I have no idea why the 6th one went through. Why would Chasee neglect 5 transfers but then allow the 6th to the same destination? 

I did not authorize these transfers and I am the only person with access to my bank accounts. I have never before sent a wire transfer from my personal checking account. I do not know the person the money was transferred to. But I have their information, listed below, from the wire confirmation. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX Phone Number : XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Routing Number : XXXX Account Number : XXXX Chase has been totally unhelpful thus far, implying that the whole event was my fault, even though they flagged the transaction 5 times before they approved it. If it was fraudulent the first 5 times, what made it a legitimate transaction on the 6th try? Not to mention that fraudster wasn't investigated by Chase. I suspect they hacked my chase account to get the information that they had to verify with me. 

XXXX