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

There are accounts in my report that should not be reported. They are not familiar with me and should be removed.
Product: Credit reporting or other personal consumer reports

I requested that Experian, a credit reporting agency verify negatives on my credit report. I sent them a certified request letter that was sent out on XX/XX/XXXX and received on XX/XX/XXXX. 

A certified letter was sent on and delivered on XXXX XXXX. Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 in XXXX, PA XXXX. 

Tracking XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report that does not belong to me. I have no knowledge of this account
Product: Money transfer, virtual currency, or money service

I requested two checks from within my XXXX account associated with email XXXXXXXXXXXX. The request was made on the XX/XX/XXXX and it is now the XX/XX/XXXX and I have yet to receive them. There transaction IDs are XXXX and XXXX. PayPal has shown a message for each transaction ID as invalid which shocks me.
Product: Credit card

We contacted Barclay Card with XXXX XXXX XXXX over XXXX charges to XXXX with a billing dispute. XXXX never credited the account on their end and then proceeded to charge us twice. When I contacted them to put in a dispute they told me it would be taken care of and not to pay it. About a month and half later I woke up to discover they had put back the charges to XXXX. They advised me that they have no dispute rights because the dispute was not completed properly or entered properly into their system and XXXX sent them documents. I requested those documents on XXXX XXXX and still as of the date of this complaint have received nothing. Repeated calls to them have garnered no help except that they would look into it which they never did. They are refusing correct their representatives error and process the dispute that I requested just telling me that it is a one time deal. 

In addition I submitted a payment to them in XXXX for the amount of interest bearing balance as I have some items on a no interest promotion. They did not apply it to the interest bearing amount instead to the promotion and their response was that they always go to the promotion first. I thought they had to apply this to the most expensive interest portion first. 
Some of the items were never even placed on promotion instead on lower interest rate. They have also refused to correct this.
Product: Credit reporting or other personal consumer reports

Unfortunately, my ability to secure a loan has been severely impacted by circumstances beyond my control. My personal information was compromised in the XXXX breach, and as a result, my identity theft risk score has made lenders hesitant to approve my applications. Despite my efforts to resolve these issuessuch as working with Lexington Law, which proved unsuccessfulI now find myself in an even more difficult position due to an unexpected lawsuit involving their services. Im unable to be a co signer for my daughter for XXXX  to help her, I have medical bills piling up due to her being in the hospital  which prevented her to go to XXXX  last term and she missed out, so much. This has been a depressing situation and I have 24 hours to pay my daughters XXXX XXXX or she will not be able to go to XXXX.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ERC XXXX 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 ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, 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/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also  included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX 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 XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX/22 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/22 These are not my inquiries I didnt not apply for anything in 2022
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this for me. I have attached for you review the INACCURATE NAMES, ADDRESSES that the credit reporting agencies are reporting on my credit report. I do not receive mail at those locations and I do not reside there. I demand this information is removed immediately. I have also attached my corrected information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. This Account is in violation of 15 U.S. code 1681A ( XXXX ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
CHAPTER XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

This is the third collection agency that has tried to put this debt on my credit report. Prior to this being put on my credit report I was able to dispute this charge with success. Ive always had medical insurance, I took my son to the XXXX XXXX. Prior to leaving I paid my insurance deductible before leaving the hospital because I didnt want to be billed. I was chartered around XXXX dollars for this visit from what I remember. Two years later I received a call from the first collection agency about these charges so I called my insurance company to see if what if anything happened. I was told that me pay my deductible the day of, I fulfilled my obligation. It is unfair that this information is sold over again to companies trying to extort money that I dont owe. I would have paid long time ago had I known that I had a legitimate debt. I also call the original hospital that I took my son to and they went out of business so there is no record of charges for services.
Product: Credit reporting or other personal consumer reports

Experian is reporting an incorrect address. This violates the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, I have contacted them and they refuse to remove the inaccurate information. The only address that should be reported is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NC XXXX
Product: Student loan

{$260.00} dollars was charged to a debit card by navient, when the card number had never been provided by myself or my wife. We are concerned that a private company is allowed to charge a debit card with no agreement, and without either myself or my wife giving consent to charge a debit card. We have never provided either our debit card number, bank account or consent to charge any account of ours.
Product: Checking or savings account

On XX/XX/XXXX I my XXXX XXXX account distributed XXXX to go to USAA which I have been doing weekly. Well USAA did not credit my account, when I contacted USAA she said they didn't receive it. I gave them a trace number XXXX USAA said they would put in a dispute on this but never contacted me back. I call usaa XXXX more times during the week with no answer, resolution. Then on XX/XX/XXXX USAA pulled XXXX from my account because XXXX XXXX questioned them about it. I called USAA again and was told because XXXX XXXX questioned them so they pulled XXXX to cover the XXXX of XXXX payment and this was not for the XXXX of XXXX it was for payment XXXX sent USAA on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payment associated with my account. Upon meticulous review of my report, I have identified instances where late payment have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payment. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payment. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On or about XX/XX/2017 i was litigating ( proSe ) with case # XXXX. On those they XXXX XXXX settlement notices were sent but I couldnt received because i had file already in court. I am seeking to be added to customers notices on the XXXX dollar action..my case was dismissed i could not appeal ..coud not afford an attorney. Thanks XXXX XXXX
Product: Mortgage

United Wholesale Mortgage has mishandled the money in my impound account. 
The defaulted on my rental property insurance policy payment causing the insurance policy to be cancelled. 
The insurance policy went for 6 months without payment.

I had insurmountable trouble getting this resolved with UWM including being lied to, hung up on, and disconnected. 
I finally contacted my mortgage broker and he got an email address for me that someone answered. 
In the emails, I was lied to several more times including blaming my insurance company, and promising to overnight payment. I realized that they were stalling and double talking me. 
I was also messaged from them in my secure message center (??!! ) ( no direct contact to me ) that they were increasing my impound account due to a shortfall! 
My insurance broker informed me that my insurer, XXXX, would no longer insure the property due to the 6 months of default but my broker found another company who would take the policy. 

I immediately paid for the new policy out of pocket since my property had not been insured for 6 months ( unbeknownst to me ) and I can not trust UWM. 
It has been over 24 hours since I have had any correspondence from UWM and I am pretty sure that no one is going to contact me again to resolve this. 
I would never be late on my payments but they were late and they took money from me with the promise to pay! 
Besides the fact that no one will talk to me on the phone and my emails are unanswered, I can no longer access my secure message center in order to download the proof I need.
Product: Money transfer, virtual currency, or money service

In XX/XX/2020 PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. Finally I decided to wait the 180 days for get my money but in this circumstances PayPal still keep my money for more than 270 days. 

my account doesn't have any dispute or chargeback after XXXX why they don't want gave me my money. i hope PayPal don't act like scammer company. 

my email is XXXX.
Product: Mortgage

Was going thru divorce in XXXXfiled bankruptcy..I was also helping my kids with college expenses before getting my 100 % total and permanent and had a daughter on XX/XX/2021 then my son was born XX/XX/XXXX XXXXMost of my issues have been resolved just need help with my mortage..i was hoping that I could get the money owed added to the end of the loan..been hard worrying if I'm gone have a place to stay..
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 TransUnion, XXXX, 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 Accounts : XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$6500.00} XXXX XXXX XXXX Account # : **** Date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXThese 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, late payments, charge-offs, 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 # ( XXXX ) 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, credit repair services, or other personal consumer reports

After the Equifax data breach, the company waited over a month to send out a press release ( and during this time period three major figures in the company sold a significant portion of their stakes in the company, which is ethically questionable ). Equifax did not contact me directly, so I had to find out about the data breach via word of mouth. Their website did not clearly direct me to their SEPARATE website ) ( equifaxsecurity2017.com ) where I could check if I my personal data breached. 

When I finally inserted my information into their new website to find out if it had been compromised, the site said it likely was and only offered one year of credit monitoring with their product TrustedID. I am still waiting for my given sign up date to enroll in credit monitoring, and there is a lot of unclear messaging about whether enrolling in TrustedID would mean that I can not participate in a class action suit against TrustedID. For now, they only reassure consumers that enrolling in TrustedID will not prevent us from participating in a class action suit against Equifax for the breach. 

I now have very little trust in this complementary credit monitoring product ; if Equifax could be affected by such a severe data breach, surely its TrustedID product similarly might be victim to such a cyber attack. Moreover, why is it only offered for a year? They should offer complementary monitoring for as long as we still have the same social security number ( i.e. indefinitely ). 

I hope there is a proper government investigation into the company 's leadership regarding their response before making this public and also how they have failed to properly protect their consumers afterward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removing hard inquiries from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX CAPITAL ONE  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial had closed my account after I purchased a car that was on lease. Suddenly, several months later, my account was reopened without my consent, and a bill for approximately XXXX was sent to me for county personal property taxes BMW Financial claims they paid. As it was my recollection that I had already paid the county 's tax bill, I disputed the bill and asked for proof BMW Financial had paid it. I received the invoice from the county but no proof of payment. While the matter was under dispute, BMW Financial reported the amount as delinquent, ruining an over XXXX credit score. They did not contact me, and as they do not have accessible interactive communication set up for XXXX customers who can not use voice phones or TTYs, there was no way to have an interactive conversation. I attempted to resolve the issue via their email portal, but received no assistance. I attempted to resolve the issue via social media, which was acknowledged by BMW Financial but still no resolution. Meantime, my credit is damaged, by this inaccurate information reported while a dispute was in process. BMW Financial still has not provided proof they paid the amount due.