23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After receiving suspicious emails over a period of time from PayPal, when I did not have an active account, I sent them to their company XXXX XXXX and then also called them to make sure that there was no active account with my name and email. At first I was told there was indeed a verified account in my name and that it could not be closed down. Then after a number of calls and emails back and forth, XXXX of their operators confirmed that I would get no further emails, in XX/XX/XXXX by phone. Then on XX/XX/XXXX, I received the attached letter via XXXX XXXX  from a company called XXXX XXXX XXXX. Stating that they were trying to collect a debt for PayPal.

I have never owed money to PayPal. I do not have a credit account with them, and have not used their service in YEARS!! 

I called PayPalXXXX on XX/XX/XXXX, and XXXXXXXX XXXXXXXX filed XXXX claims on my behalf XXXX, and XXXX and stated I would hear from them in XXXX business days about next steps. When I did not hear from them by XX/XX/XXXX, I called them again. I was told by XXXX ( # XXXX ) that I owe them no money and not to call the phone number on the letter I received from XXXX. I was told that they were continuing their investigation. 

So now, not knowing what to do and not wanting to call this company who sent me a letter asking for money that I don't owe, I am sending this to you. I don't know what else to do, I don't know if I am being scammed or a victim of fraud at this point. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pad XXXX  the full balance of my credit card which was {$1100.00}. TransUnion refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. XXXX XXXX XXXX XXXX : {$0.00} ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX MN XXXX. 

I have contacted the companies to get this corrected and they refused to update my information to the correct information the other information I do not know where it came from as it isn't familiar to me. This information below is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit card

I made a purchase at XXXX with a Bank Of America Credit Card in my hometown and they denied it and made me call them to authorize it. During this identification she asks me the make and model of my car. I didn't feel like that was good identification. I denied, she then proceeded to tell me that she is restricting my account, without allowing another form of identification. I am now forced to go into a bank to identify myself and they won't even allow me to pay off the credit card, so they are racking interest while forcing me into no payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information and Unauthorized Hard Inquiries on Credit Report Dear TransUnion Dispute Resolution Team, I am writing to formally dispute several inaccuracies on my credit report, which have adversely affected my credit score by XXXX points. The specific issues are as follows : 1. Collection Accounts with Inaccurate Dates and Amounts : The collection accounts in question have inconsistent and fluctuating dates of last activity, suggesting an improper extension of the statute of limitations. Additionally, the reported balances are incorrect. This practice not only misrepresents the status of these accounts but also artificially prolongs their presence on my credit report. 
XXXX. Incorrect Reporting of Medical Debt : Despite providing evidence of continuous health insurance coverage with Friday XXXX XXXX XXXX XXXXXXXX, a medical debt has been reported inaccurately. The reporting entity acknowledged my insurance coverage but failed to correct the erroneous debt entry. 
3. Unauthorized Hard Inquiries : My credit report lists five hard inquiries that I did not authorize. Upon contacting the companies responsible, I was informed that there is no record of my file, and despite sending dispute letters, no changes have been made. These unauthorized inquiries are unjustly impacting my credit score. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. I request the following actions : Immediate Deletion of Inaccurate Information : Remove the erroneous collection accounts, medical debt, and unauthorized hard inquiries from my credit report. 
Provision of Purchase Agreement : Supply the purchase agreement for the alleged debt being reported, as I have not received validation of this debt.

Investigation Details : Provide a comprehensive explanation of how these inaccuracies were investigated and the steps taken to verify the information.

Enclosed are copies of relevant documents supporting my dispute, including insurance records, correspondence with the reporting entities, and documentation of my communications regarding the unauthorized hard inquiries. I expect these matters to be addressed promptly to prevent further damage to my creditworthiness. 

Please confirm receipt of this dispute and inform me of the actions taken to resolve these issues. I anticipate your response within 30 days, as stipulated by the FCRA. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a compliance letter to XXXX, Equifax, and XXXX, requesting corrections to my credit report due to being a victim of identity theft. Despite filing and submitting my FTC report to all three bureaus, they have not rectified my credit report. This is impacting my ability to utilize my VA home loan as a recently retired service member with a XXXX XXXXXXXX and as an XXXX  mother. Its causing significant hardship and non-compliance. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in expeditiously removing all negative reporting items from my credit report within the next 72 hours, with USPS receipt proof available.
Product: Bank account or service

Citizens Bank checking/overdraft acct no. XXXX. On XXXX XXXX myself and husband applied for a Mortgage with XXXX XXXX XXXX for a new construction home, to our surprise our broker had indicated that we would not be able to get the mortgage because their was a 30 day mark on our CBR for a line of credit at Citizens Bank the broker along with ourselves were shocked as this acct had been opened approx 16 years ago and has never been late. This was a surprise to both myself and husband as we had just applied and got financing, at an extremely low rate, due to our outstanding credit. After researching the account I found out this acct went delinquent in XX/XX/XXXX and appears to have not been report in a timely fashion to the CBR 's in addition while we moved out of state several years back we have never received a statement for this account, a DQ letter or even a call from any representative at Citizens Bank to notify is of an acct being past due. Commin collection practice is to send DQ letters and make phone calls starting on the XXXX day. NOTHiNG from Citizens. The phone number on the system had not changed even though we moved out of state. Now as we sit today we have a second mark on our CBR for 60 days as by time we were notified the month had rolled and there was nothing we could do. Upon receipt of this information I immediately wired funds into the account. On XXXX XXXX I reached out to their customer service department ( XXXX ) and after several minutes of the agent telling me i would have to send in a check to pay it off did the agent realize what I was talking abou and told me I needed to speak with XXXX XXXX. Once transfered I spoke to a rep named XXXX and obtained the balance and provided a check by phone to pay the account in full. I explained the situation and that I would need a letter, while I disputed the account, XXXX said they do not issue paid in full letters. I advised that I know they can do his as I worked as a collection manager. XXXX put me on hold to speak to a manager and returned stating that her manager said " I May '' get a Paid in full letter but they did n't know. XXXX then proceeded to tell me I would get a confirmation email of the transaction within 24 hours and I would have to use that to give as proof. As of this complaint I have yet to receive the " confirmation '' of the transaction despite giving her the email address and her repeating it. Also as of today the money has yet to be pulled from my acct despite receiving a confirmatikn number. i am looking to have the 30 and 60 day Mark removed from my CBR immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. I filed a complaint with the CFPB XX/XX/XXXX indicating that my dispute was not resolved. Its been well over 60 days now and Equifax is still reporting inaccurate inquiries on my consumer report! Their negligent actions are damaging my reputation and credit worthiness!
Product: Credit card

My account was always paid on time and I would receive 30 day late payments or more sometimes and never understood why. I asked for a credit increase and everything went south from there. My account was closed without my knowledge XXXX of 2023 and I'm still being charged on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a vehicle loan with Credit Acceptance Corporation in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The Credit Acceptance Corporation account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and XXXX. I also filed a credit reporting dispute directly with Credit Acceptance Corporation to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, Credit Acceptance Corporation deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from Credit Acceptance Corporation, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through Credit Acceptance Corporation and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my Credit Acceptance Corporation account. Credit Acceptance Corporation is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.
Product: Debt collection

I have asked ERC to stop calling me and to communicate in writing only yet they continue to call me anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I contacted city Bank about fraud after getting multiple letters that do not state a reference number every time I call they seem to get mad that I ask why they need more information like past address as my families information to address my issue they failed to send a letter with a reference number to unlock my account
Product: Debt collection

XXXX dismissed without prejudice, for lack of prosecution and cost to plaintiff but still they sold to another company. This company also send me letter stating they have requested consumer reporting agencies to report to the account as disputed.
Product: Credit reporting or other personal consumer reports

I have been trying to sign into my Experian account for a few days and keep getting message they can't verify my account..I am trying to put a freeze on my account. I am trying to sign up for a new account because my old account has an email address and password that I no longer can access. I have called phone number XXXX to speak to a live person and they keep sending me back to the automated system and it keeps giving me my old information that I can't access. I have waited on the phone for over 30 minutes when they say it's less than a 3 minute wait. Then when they answer they send me back to the automated system that gives me the wrong information once again. Experian is the only credit reporting that is giving me a hard time getting a freeze put on my credit.
Product: Money transfer, virtual currency, or money service

writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
Product: Mortgage

Hi, I am a recent victim of flood damage due to hurricane florence. I submitted a claim to my insurance company. The claim was approved in a RCV amount of {$84000.00} and an ACV amount of {$75000.00}. My mortgage company ( JPMorgan Chase ) is currently holding the funds and has released {$10000.00} so far. I am to receive another {$10000.00} soon. 
My issue is that I have elected to contract myself to do the work as I am 100 % confident, knowledgeable, and able to do the work. My mortgage company has notified me that only {$20000.00} will be released until the home undergoes a 100 % completion inspection. Obviously there is no way I can repair the home with only {$20000.00}. I have called them many times and have received a different answer on this issue every time. The responses I received are as follows : * I would receive {$20000.00} first, then after I submitted documentation on the status of the repair and a 50 % completion inspection was approved I would receive another {$20000.00}. Then a completion inspection would take place and if approved they would release the rest of the claim funds. 
* I would receive {$20000.00} and no more until a completion inspection approved the release of the rest of the claim funds. 
* I would not receive any of the claim funds until the completion inspection is approved. 

I have tried to compensate for this shortfall, attempting to avoid conflict with my mortgage company, by applying for an SBA unsecured loan in the amount of {$25000.00}. I was approved but the process was halted as I have received insurance claim funds, which is a conflict of the SBA loan funds against my insurance claim funds. This situation seems to me as a deterrent in the contracting of myself to repair my home. The reason I pursue this so strongly is the availability of contractors in my area is extremely low and I wish to get my home repaired as soon as possible. I am displaced and can not afford it much longer. My intentions are only in good faith to put my life back together. I hope there is something you can do for me as I am running out of options and time.
Product: Credit reporting or other personal consumer reports

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX. 

According to my records, this account was sold by XXXX to a debt collection agency. Despite this transfer, XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX is incorrect because the debt was sold to another entity.
Product: Debt collection

A person called XXXX called a third party that I used to know and tried to get information about me this person XXXX called is not a spouse has never been a spouse never will be a spouse. This person should not have been called he has nothing to do with me. XXXX could potentially put me in danger without any regard or any contact with me. Giving information to a third party to collect a debt, which is being collected. Wrong and dangerous for some.
Product: Debt collection

allied interstate is saying that I owe XXXX {$50.00}. I called XXXX they told me they do not use allied interstate for collecting a debt, it was a scam, I do not owe XXXX anything on my account, emailed allied interstate and told them this and they said they would stop, this was back in XX/XX/XXXX, now I am getting phone calls, and a letter saying that there client is willing to accept {$25.00}. they want me to mail payment to them, allied interstate llc XXXX XXXX XXXX, XXXX, oh,XXXX I do not owe XXXX anything
Product: Credit card or prepaid card

I am writing to dispute the charge of {$2000.00} that continues to show on my XXXX account as the appliances were not delivered. 

On XX/XX/2022, an online order was placed for a washer/dryer pair and paid using the XXXX financing account. The delivery company XXXX indicated the order was being delivered to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX. As the delivery address was incorrect, the order was cancelled. Delivery did not take place. 

XXXXXXXX XXXX card is issued by TD Bank N.A. and TD Bank has refused to credit my account {$2000.00} despite the fact that the order was cancelled and appliances never received. 

Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to XXXX, Experian, and XXXX to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.