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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 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 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: Consumer Loan

On XXXX XXXX/XXXX/2016 I took a personal loan with Republic Finance located in XXXX, Georgia. My payment history had been satisfactory with them. During the months of XXXX I requested to change my payment date at which I was required to enroll in an automatic payment plan that drafted my payment via ECH. I submitted the form and waited for new payment date of the XXXX but no draft came out. I contacted Republic Finance and they stated they never received a payment from me nor did they receive my payment notice for ECH. An additional form was submitted in the month of XXXX and the receipt that form was confirmed with a customer service rep. On XXXX XXXX a payment was scheduled to draft for both my XXXX and XXXX payment but never came out. I contacted Republic Finance and was provided with the same story that they never received my draft request even after I confirmed it was received. Because of this it put my account in jeopardy of being delinquent and being reported to the credit bureaus. I contact Republic Finance several times but instead of helping me they requested payment. In XXXX I contacted Republic again to make a payment and I was informed that I could no longer send them personal checks for payments because I had two previously returned payments. They stated that I would have to pay them in cash or money order. I refused and asked where that was stated in my loan contract. At that time I was informed that it was a company rule and that it was not established in the loan contract. Republic told me that it was a corporate rule and that it would be enforced. When I told them about contact a government agency they then agreed to let me send a check. Over the past two weeks Republic Finance has been calling me repeatedly over six times a day with the use of an auto dialer to request payment. Earlier this week I sent a request for them to contact me via US mail and that a payment in the amount of {$550.00} was sent to them via mail. They stated that they refused to take the payment and it would be rejected. Shortly following I received a letter acknowledging my request and a letter stating that they would work with me to bring my account current. They Republic Finance was made aware of the check sent through the mail again via phone call but shortly after I received a send letter requesting the balance in full within the next ten days. This made me review my loan contract at which time I observed that the new loan contract was never signed by the lender or myself. All the signature lines are blank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flurish INC is on my credit report and its not mine its my XXXX  and its affecting my credit score
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against XXXX XXXX XXXX XXXX. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and XXXX XXXX XXXX XXXX or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with XXXX XXXX XXXX XXXX. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, XXXX XXXX XXXX XXXX has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. XXXX XXXX XXXX XXXX has failed to produce the original instrument of indebtedness to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to XXXX XXXX XXXX XXXX. 

Does this instrument confirm and affirm that I am the obligated party for payment to XXXX XXXX XXXX LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX and TransUnion are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with XXXX XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX nor did XXXX XXXX XXXX XXXX make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
Product: Credit card or prepaid card

I only used my credit card once by best buy citibank and it was a XXXX balance until they allowed XXXX  to rack up charges of XXXX i disputed the charges and they took them off then they sent me a new card and then they allowed XXXX  to make more charges to my account when i said that they were fraudulent the first time the bank refused to let me close the account bc they said there was a investigation and second my credit card limit was XXXX i dont understand how they allowed them to charge more than my limit i was never notified of someone making these charges i cant see how they can make me liable for charges i did not make
Product: Credit reporting or other personal consumer reports

I reached out to PHH mortgage on multiple occasions since XXXX to have them correct an error in reporting late payments. I sent them copies of my credit reports and asked them to remove them. In there own response they said that 2 of the payments were during an agreed upon payment plan ( during COVID ) So not late. And the 3rd payment was when the account was in deferment during COVID. Again this would mean NOT LATE. When I talked to their reps during this time they assured me these agreements would have no negative impact. They lied! This account is now paid in full and reflects differently on every single report. XXXX shows correctly where there was no negative impact as they promised. XXXX shows 60 days late on all 3 payments and XXXX shows 30 days late on all 3 payments. If you look at the rest of my report I do not have a single late payment anywhere else. EVER. I would like this corrected.
Product: Credit card or prepaid card

https : XXXX Husband thought the eip debit card was a scam so cut it up. Have seen information that it may have been legitimate. " Money Network '' company? Below is on their page : " Go to Money Network home page Lost or Stolen? 
XXXX Go to Money Network home page HomeFAQsATM LocatorContact Us Login Start using your EIP Card Your Economic Impact Payment Card contains the money you are receiving as a result of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). The EIP Card is sponsored by the Treasury Departments Bureau of the Fiscal Service as part of the US Debit Card Program. Now that youve received your Card, heres how to activate and start using it. 

SafeConvenientSecure economic impact payments card '' Another site says, " If you do throw the card away, you can get a replacement by calling customer service at XXXX XXXX XXXX XXXX XXXX, according to XXXX, which provides information on how to use the cards. While the cardholder agreement says it costs {$0.00} to replace the card the first time, there is a {$17.00} charge for priority shipping of the new card. '' That'd be great if the phone number actually got you to customer service or a real person. The phone options do not allow you to get farther than it wanting you to input the card number - you know, the number on the card you destroyed ...?? Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I notified Transunion Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!!
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, TransUnion, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, TransUnion, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, TransUnion, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. XXXX, XXXX, and TransUnion are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX XXXX  XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Debt collection

I just happened to see a copy of my credit report, i was shocked, to find out, that i have been a victim of identity theft. Which I was planning to purchased a new vehicle, and remodel my house and this fraudulent activity is affecting me severely. Please remove all the inaccurate information for my personal credit profile. Thank you in advance!
Product: Credit card or prepaid card

I was about to check out an online order with home depot, when noted the promotion of saving of XXXX off XXXX if you open a new homeDepot Credit card today ( see attached screen shot ). For whatever reason I clicked apply and got approved. However I quickly found out there is no way I can charge my purchase today to the card and get the rewards. After calling customer service they suggested me to go to a local store, and so I went there. Those nice people working there tried all they can, and it won't work. So turns out in this condition : online order and item not in store will have to wait out like 10 days. Which is not what their advertising want you to believe, when I was about to check out online. For me as I need the purchase ASAP, I meaninglessly giving out my Information and wasted my time
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i put a freeze on my credit report. While my report was on a freeze there inquiries popped up on my report without my permission, I was under the impression that if I put a freeze on my credit report that creditor were unable to look at my report which means that the inquiries should not be on my report these are the inquiries that were made with out my permission XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXard
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset Management , L.L.C . claimed an alleged XXXX bill of {$620.00} is owed, and they have this unknown item on my credit for 5 years as derogatory item. 
I have disputed it with them, and they are refusing to remove it out my credit report. 
i will appreciate with your assistance, if the could provide me with a sign contract reflecting my signature and date where this actual enrollment take place. 
according to the Fair Credit Reporting Act, any unknown or non accurate item on your credit, should be deleted. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violation of fcra and fdcpa! See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One card that I set up automatic payments on. Some how the payments were only made for the first month and they deducted twice the amount that was supposed to be deducted. I called them and they advise it was a mistake and refunded my money. For the next 7 months, no payments were made on the account. I was not aware of this as I work nights and my wife handles the checking, until I received an email that my account was going to be closed if I did not make a payment in the next two weeks. I made the payment and immediately called them. They investigated it and reviewed my past calls and confirmed that this again was their mistake. They advised me that my card would be reinstated and that any late payments would be removed from my account and record. None of the late payments have been removed. I have disputed this with all the credits beroes and Capital One always comes back and states the reporting is accurate. They do not take the time to review my past calls or the record.
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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit report on XX/XX/2023. 

Inquiry from XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX CARD SERVICES on XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Student loan

For years, Navient has been trying to send me falsified information on my ability to pay for my private student loan in a timely manner and by raising my interest rate and assessed fees.
Product: Checking or savings account

When I had my checkbook stolen in 2016, I opened a new account with Bank of America and was pushed into opening a Business Checking Account that was inappropriate for my needs. I informed the representative who opened that account that I would be transitioning back into " XXXX-status '' and still the representative advised that I open a Business Checking Account with the bank. I had the account for approximately two years, and late fees began to accumulate on the account. When student loans were deposited in my Savings account, BofA transferred at least {$1200.00} from my Savings to cover the ridiculous late fees. The bank literally stole money without my permission from my Savings to cover {$1200.00} in late fees. They also refused to refund any of the fees when I complained to a branch representative about the issue. I would like help in addressing this and receiving a refund.
Product: Vehicle loan or lease

XX/XX/2019, I helped the girlfriend ( XXXX XXXX ) of my stepson, buy a car using MY CREDIT, she was co-signer to get her name on loan, financed through Ally Financial. 
All was proceeding as planned until XX/XX/2019, talking with my banker, he asked why my credit score had dropped. I looked into this, found out that Ally Financial was attempting to repo the car for non payment. Ally Financial had all my credit info, home address, phone #, email, but nobody ever tried to contact me for payment or anything. After I found this out, I personally paid the past due amount to get the loan current. Ally Financial ruined my Credit, dropped from XXXX to low XXXX because of this. After arguing with Ally Financial, they said they were only allowed by law to remove 1 month negative from my credit. My score is still only at XXXX with XXXX, I am in need of loan, because of this Pandemic and Ally Fin won't do anything to help me get my score back up. I think it's outrageous that someone can ruin your credit without their Collections Dept doing they're job and reaching out to me when payment was late the 1st month or anytime after that. Ally Fin collections said they tried to reach me, last 4 digits of phone was XXXX, should have been RED FLAG, bogus number.. Last 4 digits of my phone is XXXX 
Vehicle was wrecked, totaled and loan has been paid off in XXXX. 
Any help you can provide would be appreciated.