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

On different occasions I have disputed a collection account that appears erroneously on my XXXX and TransUnion credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by XXXX and TransUnion that they did not carry out an efficient investigation to determine that those accounts that appear on my credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these incorrect accounts that appear in XXXX and TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the incorrect information shown on XXXX AND TransUnion. XXXX XXXX XXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX : Please remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not have my consent to furnish some of the information reported on my account.
Product: Mortgage

XXXX and I ( XXXX ) payed our monthly mortgage payments from XXXX, 2016 to the current date, XX/XX/2016. However, we made XXXX payments XX/XX/2016. We have not received any credit to our account or acknowledgement of the checks received XX/XX/XXXX. We would like our account to be credited in the amount of {$970.00} for the extra mortgage payment we made XX/XX/XXXX. Also, we were not able to review the response to our complaints online. Could Nationstar Mortgage and XXXX XXXX XXXX send their written responses to our complaints through the postal mail? XXXX and I do not have a computer at home at this present time. Also, it would just be easier and more helpful for us to read what our mortgage company has to say in regards to our complaints. 
Also, we would like the CFPB to review our case very seriously. We have been victims of fraudulent banking activities by both XXXX XXXX XXXX XXXX Nationstar Mortgage. XXXX and I mailed a letter yesterday requesting that the office of the Minnesota Attorney General-XXXX XXXX send to the CFPB a copy of all the correspondence we had with them as well as with XXXX XXXX XXXX and Nationstar Mortgage..
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed Bankruptcy charter  XXXX  on  X/XX/2015    and was discharge on  XX/2015,  and Bank of America did not report to the credit Bureau any of my payment since them, my house was not included in the Bankruptcy I had call many time and they said that I have to re-affirm, the debt..   I went to the city attorney and He said California is not required do so ...   I called the Bankruptcy attorney and he want me to re-open the Bankruptcy and pay he 's fee plus  XXXX  court fees to re-open my case ...        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   California  XXXX   XXXX   XXXX   XXXX  Bank of America Loan #  XXXX
Product: Money transfer, virtual currency, or money service

i submitted a complaint to paypal concerning an account in my name that was hacked and their response shed a lot of light on a lot of fraud that happened in my name that i need a lot more information and a much better response from the company so they can help me restore my identity that they allowed to be so severely compromised to start with.

on XX/XX/XXXX my account was put on limitation and paypal requested that i confirm my identity with new security questions, new passwords and submit a copy of my photo id. i did NOT do any of these things. and especially because paypal 's policy demands that the only valid photo i.d . that would be accepted is a drivers license or other government issued i.d.s i NEED to know what this photo looked like, because i have never a day in my life sent paypal a photo I.D .

on XX/XX/XXXX my account access was restored and it never should have been.

then 3 days later, XX/XX/XXXX, for the same reason my account was put on limitation, and using the SAME method my identification was validated and my account access was restored. i have not used any of these accounts for years and none of these actions taken to confirm my identity were done by me and NEED to be analyzed.

additionally i submitted my complain on XX/XX/XXXX and it took until XX/XX/XXXX for paypal to place another limitation on my account, especially considering the limitation placed on XX/XX/XXXX should never have been lifted, the fact that it took until XX/XX/XXXX to place a permanent limitation is a serious problem. And the fact that it is at a " permanent limitation '' status and not " closed '' needs to be remedied IMMEDIATELY ( not in another month )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

On XXXX, I activated a new card with a new number that requested after a fraudulent charge was made to my account. This new card was the 3rd card requested. I did not receive the previous 2 cards, although Capital One claims they were sent. The 3rd card was received after being shipped via an alternative method that required indirect signature confirmation. Upon activating the new card, I got a pop up window notice that showed 2 active cards and an additional authorized user. The additional card and authorized user was never requested by myself, and the authorized user is a name unknown to me. The only solution offered was to process a request to remove the user and card. Capital One was not going to investigate, take any account protection actions, or even admit an unauthorized user could have been added. I requested an investigation into fraud activity and was told the only action available was to process a request to remove the user. I am unwillingly to submit a request to remove an authorized user and agree to the verbal terms provided for a user that I never authorized in the first place. Without any investigation into the fraud conducted, there exists opportunities for the executed fraud to continue unabated. Further, Capital One was requiring me to accept terms and language that were categorically false regarding the removal of the unauthorized user.
Product: Money transfer, virtual currency, or money service

I have started using my business PayPal account for the ecommerce site https : XXXX recently. On XX/XX/XXXX order # XXXX came through and it used PayPal express checkout. A minute later I received an email from PayPal saying " We need some information regarding your PayPal account. ". Apparently something triggered PayPal automation. On XX/XX/XXXX the order was shipped out. The order was a purchase for a coffee grinder. On the same day I sent my driver license and the company business information via PayPal per their request. On XX/XX/XXXX I received email from PayPal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. On the same day I called PayPal customer service and tried to file appeal and get an explanation. I was told the decision was final and there was no way to dispute it. I wasn't even given a reason other than saying " they found potential risk associated with the account ''. My account balance {$450.00} is now frozen for 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a cfpb complaint # XXXX and i see that experian closed the dispute saying the account was validated but you the cfpb are confirming that the student loan returned this saying that doesnt belong to them and i received an email from them saying they couldnt locate an account with the info reported by experian nor my name and personal information. therefore HOW DOES EXPERIAN CAN VALIDATE AN ACCOUNT the student loan CANT EVEN CONFIRM?!!! 

I am requesting IMMEDIATE removal and deletion of this unverified account that doesnt belongs to me on my credit report. see attachment enclosed proving they do not validate this debt!!!
Product: Credit card or prepaid card

Was in hospital with a concussion and had someone try and pay this account. It is paid in full each month. PayPal and Synchrony Bank ( CREDITOR ) made it impossible to get a payment processed and then initiated " ROBOCALLS '' to my cell phone ( being forwarded to business associates ) that caused a great deal of embarrassment.

The only account I maintain is a PayPal XXXX XXXX and Creditor opened a second account, XXXX 1910 XXXX XXXX, without permission, that did not include the 2 % cashback value. 

The XXXX account does not reflect credits for returns of {$2800.00} and is attempting to collect interest and late fees as a result. 

The unauthorized " second account '' opening not only deprived us of the 2 % cash back but allowed Creditor to add another {$29.00} late fee and {$2.00} interest. Again, the Creditor made it impossible to make a payment on this account by my associate. 

The Creditor made it impossible to make payments as it required excessive security protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AMERIHOM MTG XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 Acct without my written instructions. 

Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX continue to use my consumer report inappropriately. The collection listed on my consumer report as XXXX XXXX XXXX has not been validated or verified as belonging to me. No evidence has been presented to me for me to examine. What documents were provided to them or who did they speak with ti come to this determination that this account belongs on my consumer report.
Product: Credit card or prepaid card

I have made my payments on time going back a long time. Sometimes it is close to the due date, but they keep hitting me with Late Payment Charges and I have to call them to try to get it removed. I even noticed it on my Credit Report a few months ago and had to dispute it. Each time I call and fight with them over it, they give me a credit for the late fee that I should not be getting.
Product: Checking or savings account

recieved couple of letters saying my account was overdraw and needed payment. last letter was XX/XX/2023 from citizens bank XXXX XXXX XXXX XXXX XXXX, RHODE ISLAND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 ( Original Creditor XXXX XXXX XXXX ) XXXX.
Product: Credit reporting

ChexSystems, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX had release to XXXX, FALSE information about my credit report information, consequently, 4 applications for credit were denied injuring my rights to obtain credit. CheckSystems released outdated information, more than 7 years old, which not longer exists becuase of the statue of limitations are not longer legally to report to nobody. Also, ChexSystems provided an old address and phone numbers belonging to other people in other State which is FALSE. There is not any records of any jusgement against me, bankruptcy or liens filed against me by Federal or State goverments. My credit score with XXXX is above XXXX. Therefore, ChexSystems decision to publicly released FALSE information was intentionally made with the objective to inflict personal harm. As the result of ChexSystems'action my applications to obtain credit were rejected by 4 potential lenders. I affirmed that as long ChexSystems continues inflicting personal harm to customers like myself, this company should not be permitted to conduct this type of business.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXX  customer since XXXX and loan customer since XX/XX/XXXX. XXXX XXXX XXXX is a first company that extended a loan to me and I have enjoyed my experience and learning process of managing a loan responsibly. I have written a letter to XXXX XXXX  XXXX to humbly request that they are willing to make a goodwill adjustment to my reporting to the XXXX credit agencies. I have XXXX late payments on my XXXX XXXX XXXXXXXX account from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX those times I was going through a hardship with my job. I also I was impacted by bounce check from a previous employer, which caused my municipal credit to be flagged for fraud and left me with an even bigger balance to pay. It was hard to make these payments on time since XXXX XXXX XXXX made it aware to my attention that I can only come into a branch to make payments. Present day XXXX XXXX XXXX has work with me to have my payments taken out of my XXXXXXXX XXXX account monthly. Due to my work my time does not work around the branches time. 

As for community bank, I have XXXX missed payments spanning from XX/XX/XXXX to XX/XX/XXXX. As well as XX/XX/XXXX to XX/XX/XXXX. 
The dates from XX/XX/XXXX to XX/XX/XXXX follow the lines as the same incident my XXXX XXXX XXXX dispute. I was going through a hardship with my job. 
For XX/XX/XXXX to XX/XX/XXXX, through another hardship with my job and now being a fXXXX XXXX my hours reduced tremendously. I did contact Comenity capital bank and then my best to communicate with them through each hardship. Just as I did with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan from XXXX XXXX. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> and XX/XX/year> voicemails were left on my cell phone that stated my name and that I was behind on my payment and that it was going to be escalated. The person left their name as well as the company they worked for ( they were from the same company )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer 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 605B ( 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$41000.00} 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 US 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

In XX/XX/2024, I submitted a report to the CFPB, which has since been closed without any response or correspondence from the corporation regarding the listed violations and associated invoice. Although they sent a copy to the CFPB, they failed to provide me with one. Subsequently, they have initiated flagging my account on XXXX, resulting in an XXXX decrease in my credit score subsequent to the issuance of a cease and desist notice. It is imperative that they refrain from harassing me via XXXX or any other credit bureaus. Despite my notification of numerous violations, they persist in attempting to indirectly demand payment, which constitutes illegal behavior.
Product: Credit reporting or other personal consumer reports

Im filing a complaint because i was told that with a police report that this fraudulent account would be blocked within 4 days and they havent done that. In accordance with the FCRA they are required to block this item
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . In addition to these fraudulent accounts I've noticed several hard inquiries -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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( 16 CFR 313 ) to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request. 

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.