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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

My Citibank account was closed due to Fraud activity with my checking account. They closed my account, which I had got almost XXXX  years, without XXXX doing the proper investigating. Had me open.a whole new checking account. Only to freeze and block access to the new account less than XXXX hours of me opening this new account, due to another Fraudulent activity. I was transferring the money of my joint account with my mother, to the new account she had to create, because they closed our old account we had together. I was using Citi XXXX bank transfer online, shortly after the blocked ny access to online banking and told me I had to wait XXXX days for a verification letter to be mailed to me, before I can access my money. This whole experience has beeen absolutely torturous and nobody is being much help.
Product: Mortgage

When trying to make a payment online via website of Freedom Mortgage there is an " error on payment. '' Valid payment information was entered and was entered before the due date. I believe Freedom Mortgage does this intentionally to take advantage of consumers and extract additional late fees from them.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Hello, My name is XXXX XXXX. I have over {$7000.00} in debt due to visiting the ER when I was homeless. I was just XXXX and I didn't know how to protect my credit except to not apply for cards I didn't need. Well I was informed by adults that if I visited the ER that it wouldn't go on my credit. Well here we are. I have been paying off the debt that I owe for months ( {$100.00} ) each month since the start of last year. I am sure I have paid off more than 2 of the credit debts. I want them off my credit because at this point my credit just keeps going down.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I started service with XXXX XXXX on XX/XX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.
Product: Debt collection

This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Friday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. You can call us @ XXXX or you can XXXX. Reference File # XXXX. Saturday XX/XX/XXXX XXXX XXXX  This is a XXXX XXXX XXXX that adverse credit information is scheduled to be reported to the credit bureau ( s ) by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$66.00} due XXXX XXXXXXXX XXXX by calling XXXX or by visiting XXXX. Reference File # XXXX. Thursday XX/XX/XXXX XXXX XXXX  This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit www.ccspayment.com. Reference File # XXXX. Friday XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX  Reference File # XXXX. XXXX XX/XX/XXXX XXXX pm This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit XXXX. Reference File # XXXX. Sunday XX/XX/XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

5. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 9 ) Transunion Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a VICTIM of Transunions " Inquiry Issue '' and have listed above, the inquiries requested to be deleted. Their customer service would not help and take care of these negative inquiries that are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

The collection appeared on my credit report. I had no idea there were unpaid bills, and I never got a notice from the Medical company or the debt collector ; it just appeared on my credit report. Speaking with the collector, it was a medical emergency dated XX/XX/year>. I recalled giving my insurance information and believed all was taken care of. I did not notice until it appeared on my credit reports. My understanding a collection can be placed without prior notification and medical collections can not be placed on a credit report. Also, I am disputing this information and would like to file a complaint and seek restoration against this collector for the damage done while processing an auto loan. I don't have a case number for this collector because I have not received anything from them. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened a checking and a savings account as advertised on the Citibank site to receive an account bonus. 

The requirements were to open the accounts from their site using the XXXX Now button, fund the account with $ XXXX and keep funds in the accounts for 60 days and then receive a bonus of {$400.00} within 90 days. All requirements were completed on a timely basis as required by Citi. The accounts were funded on XX/XX/XXXX. 

In attempting to collect my bonus I was told that I needed to provide documentation since Citi claims that their system did not provide a bonus code at the time of my application. ( I have no control of their system ). I tried resolving this issue by messaging, they have a trail of  same ) and also by phone calls to no avail. 

A similar bonus offer which is attached is currently being offered through XX/XX/XXXX on their website. Their offers are basically offered perpetually for 6 month periods on their websites so they can verify that very easily. 

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

XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and Transunion and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.
Product: Debt collection

I have sent over five letters to this company portfolio recovery. I clearly want them to validate the debt. A request for a signed proof of contract to substantiate their claim. Provide me with a certified copy of an original signed contract, naming their company as a person entitled to enforce a commercial claim against me. Also a clause that the original creditor can assign this debt to anyone. Also proof of sale between the creditor and the debt collection company. Also a complete payment history including signed copies of canceled checks. Certification can be done through the presence of a notary public, who swears the copy made is in fact a copy of the original paper contract in question. The Fair Credit Act states the debt has to be 100 percent verifiable. If they fail to meet this minimum threshold requested above they should take the derogatory information off my credit report. The claim I owe XXXX XXXX {$440.00} I deny the debt and assert my rights under the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues over the last 3 months putting my Equifax credit report on freeze. I have easily been able to apply to freeze accounts with the other two main bureaus with ease, but my experience with Equifax has been miserable. I have tried multiple times to get a real person on the phone, but I am never able to. Through the website, they said they would mail me a pin code weeks ago, that I would need to verify my info, and I never received this in the mail. By attempting to freeze my credit, I am afraid I am now more at risk by having personal mailers not arrive to my apartment. Also, the main reason I am applying for a freeze in the first place is because my info was released in the Equifax data breach. You would figure they would help resolve the massive issues they helped cause.
Product: Consumer Loan

On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.
Product: Credit reporting or other personal consumer reports

VIVA FINANCE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information VIVA FINANCE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy VIVA FINANCE did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom it May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts- Account Name 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 XXXX Account Number XXXX 

Account Name XXXX XXXX XXXX Account Number XXXX INQUIRIES- XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure of where these inquiry came from, XXXX and XXXX   inquiry
Product: Credit card

I was in the hospital when a friend of my stole my Fortiva Credit Card and used it without me knowing about it!
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my deep concern over the permanent limitation placed on my PayPal account XXXX I strongly believe that this limitation was placed by mistake, and I would like to submit a formal complaint and appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always used my account in full compliance with all rules and regulations set forth by PayPal. Therefore, I was surprised to receive the notification that my account had been permanently limited. 

I believe that there has been a misunderstanding or an error on PayPal 's part, and I am eager to resolve this issue as soon as possible. I would kindly request that PayPal re-investigate my case thoroughly and provide me with a detailed explanation of the reasons for this decision. 

Moreover, I respectfully request that PayPal reconsider this decision and restore my account, if possible. I am a loyal and honest PayPal customer, and it is crucial for me to have access to my account for personal and professional reasons. 

Finally, I would like to confirm that the email address on my PayPal account is " XXXX ''. I would appreciate it if you could update me on the status of my case as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My issue is with American Express and their illegal practices on an account that originally opened in XXXX as a Basic Green Charge Card with no limit. I maintained the account with excellent repayment history. Thus, excelling to both Gold and Platinum status subject to paying yearly fees as a Member. 

In XXXX, when the market crashed. American Express reached out to me and asked me to summit Earnings, Profit and Loss Statement on a recorded line. I refused to do so and shortly thereafter out of retaliation they suspended my account and forfeited my XXXX points equal to {$1.00} spent. So {$150000.00} spent to earn this point status. American Express breached the agreement as there was nothing in the agreement that said that I needed to submit a Earnings Profit and Loss statement to maintain my account and if I failed to do so my account would be cancelled and the points would be forfeited. 

The account was in excellent standing with no late payments. And they constantly changed the rates because a carried a balance on the credit side of the card. So I was subject to outrageous fees. I continued to pay them but missed the benefits of using my card and most importantly using the points that I rightfully earned. 

In XXXX, I started being told by American Express that I was no longer financial responsible for paying the account due to a law suit. I continued to pay upto XXXX and noticed that they had deleted my account from my credit report. It was at that point I stopped paying and realized that whatever happened int he lawsuit I was no longer responsible. In XXXX I applied for a XXXX XXXX and was approved. Shortly, after I received the card. Oddly American Express started reporting the deleted account back on my credit report as CHARGE OFF! damaging then my XXXX XXXX XXXX. 

I am more than disappointed with American Express as I feel very discriminated against and a target for their loss with the market crashed on XXXX. They had a wonderful paying customer who paid on time. They stole my points from me in which I was entitled to. And then at XXXX balance they told me I did not need to pay any longer. I would have rather them give me my card status back and make the balance XXXX in exchange for the wrongful forfeiture of my hard earned points and the outrageous money they made off me from their high interest rates, and member fees far exceeded their so called {$15000.00} charge off which is fraudulent. I am very certain your company is aware of similar matters with American Express. I simply want justice before engaging an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974.

See attachment for further details on the creditor and account details.

Thank you
Product: Debt collection

I sent the company HRRG a letter below is the letter that I have sent them. 

Healthcare Revenue Recovery Group , LLC XXXX. XXXX XXXX XXXX, FL XXXX To Whom it may concern. 

Please do not call every day. I understand I owe you money but calling me 3-4 days in a row is annoying. Your payment site doesnt allow you to set up weekly payments only single payments. Also, you can not set up future payments on your website. 
The company has not stop calling me. When the company calls, it is recorded message.