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

In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, XXXX and Equifax use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX NEW XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX
Product: Mortgage

I was talking to my realtors lender and giving her my information to get a Pre-approval to put a contract on a home. This lender with Land and Home financial then proceeded to run my credit report without my permission, putting a derogatory mark on my credit report. This credit report should not have been ran until a contract was accepted and I was in the process of getting approved for the loan. My credit will now have to ran again when a contract is accepted on a home. This lender did not have my permission to run this report and I actually requested it not be ran and she did it against my wishes.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breach through Equifax. I sent in a letter in XXXX to update the information, but I have yet to have my address updated to the correct address. Please see attached.
Product: Debt collection

I received a letter from a debt collector, dated XX/XX/year>, stating that I owed a debt of {$4300.00}. I responded with a debt validation letter on XX/XX/year>. The debt collector responded on XX/XX/year> with only a few requested information. The information sent to me was not enough to validate the debt and so I resent my debt validation letter, dated XX/XX/year>, highlighting that the requested information that are still outstanding. The debt collector did not respond to me, but instead proceeded to file a report on my credit report, even though I did not ( and still have not ) validated the debt.
Product: Credit card or prepaid card

I have previously filed a complaint here about issues with PayPal Credit & that we are no longer able to allocate how our payments are applied to our balance without having to contact the company every month, about each payment. PayPal dismissed the complaint and claimed that it was never possible to choose how payments were allocated on their site. However, as someone who has been a long term customer I know this to be false. 

My new complaint is about the resulting problems from the need to contact PayPal regarding allocations every month and the information which then is available/shown on our account. 

After being forced to contact PayPal each and every month about allocation of payments, usually so I can have them put toward special financing purchases, I have found that the requested changes - ie. where the money is allocated on the account, the accurate amount still due on special financing purchases and the account balance overall- is not being shown accurately. I made XXXX payments this month toward a special financing purchase ( XXXX for {$100.00} and XXXX for {$32.00} ), and contacted PayPal to have them allocated but the remaining balance for the special financing purchase still says over {$300.00} on my account. Its as if I have made no payment at all. 

When I contacted PayPal about this I was told that it can be XXXX billing cycles, meaning months, for the information to post properly! This is not acceptable. PayPal expects payments on time. We as customers are entitled to accurate and current information in regard to our account. We should not have to wait several months to see payments post and have to estimate what the balance is in the meantime. By not updating our account balance promptly we are being given inaccurate information and our credit report may be suffering as well. I have an accounting degree. I have done computerized accounting. Its not difficult to change how payments are calculated on an account. CFPB should require PayPal to display current balances that are accurate based upon all payments made and allocated as requested.
Product: Debt collection

after multiple attempts to tell them I won't pay over the phone and that I need an itemized bill in the mail, they are still calling and I haven't received anything and its been months. Last call was today, XX/XX/18 at XXXX. From TSI. XXXX. Also calling parents and others I have no contact or association with to get a hold of me. Pushy and harassing
Product: Credit reporting

I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.
Product: Checking or savings account

On Monday, XX/XX/year>2024, around XXXX XXXX EST, I found out that my business checking and savings account with TD Bank was closed suddenly. I could no longer log into my account or use my debit card. I called the bank for answers and spoke to a supervisor, who told me that my account was closed by the fraud closure department. They transferred me to the fraud department, who told me that an external financial institution filed a claim against my account and due to fraud. When I asked what activity in my account was fraudulent, I didn't receive a specific answer. They would also not disclose the name of the financial institution that filed the claim against my account. Because I don't know the exact source who filed the claim and the specific reason for the fraud claim, I don't know how to resolve the issue. I believe I am a victim of fraud in this case but the person or people responsible remains a mystery to me.
Product: Credit reporting or other personal consumer reports

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments.

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XXXX XXXX XXXX XXXX XXXX XXXX  Since I have already attempted to resolve this matter, I will proceed to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), as is my right under the FCRA, if I do not receive a satisfactory response and correction of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Product: Debt collection

I XXXX XXXX a federally protected consumer was sent a collection notice from MRS BPO LLC on XXXX XXXX. MRS BPO LLC has violated federal law when they sent a bill to my home saying that I owed them {$8600.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). 
There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX XXXX XXXX, XXXX being the creditor, with no factual evidence to back it up. Is this identify theft? What grounds do you have to contact me and say I owe you money?
Product: Debt collection

I received a voicemail today from an unknown number at XXXX XXXX  cst. The call states it was from a detective from XXXX county trying to notify me that criminal charges were being filed against me. They advised that a bench warrant was going to be served if I wasnt available tomorrow during the hours of XXXX to sign an affidavit. I looked up the number i was advised to call and found the number is for BRONSTEIN & WEISS ARBITRATION , INC. I have uploaded the available transcript on my voicemail.
Product: Credit reporting or other personal consumer reports

The account was opened to assist my family during the pandemic. I faulted on the loan due to lack of work. I contacted the company I was informed the account would be closed however they never closed the account and reported it late for 4 years. I settled the account with the company and the account was finally closed however the account is list as currently delinquent. This is hurting my ability to purchase my first home.
Product: Payday loan, title loan, personal loan, or advance loan

unemployed due to covid, this company is in violation under code 12 cfr 1006.34c
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights.. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/XXXX I put in a fraud claim with XXXX XXXX Bank for a charge of {$10000.00} that happened on XX/XX/XXXX from a merchant that I have never done business with. I was given a fraud claim number of XXXX. XXXX XXXX Bank Credited me back the money on XX/XX/XXXX and also sent me a letter stating that. They also sent a letter stating that I received services from said company but never provided any information or any paperwork on that company.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX XXXX  account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1200.00}, which exceeds the original credit limit of {$900.00}, reflecting a utilization rate of 136 %, even though the account is listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX XXXX Banks legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$1200.00}, since the account was closed and charged off on XX/XX/year>. Reporting a balance as past due after a charge-off is inaccurate and should be corrected under FCRA 15 U.S.C. 1681i. The worst payment status listed as Charge-off, along with inconsistent payment history, violates FCRA 15 U.S.C. 1681c and must be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

XXXX is still reporting a monthly payment and balance for this account and XXXX and Experian is not. They are also reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and Experian and XXXX is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, Experian and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and How were these accounts verified by virture of proper documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ran my credit almost XXXX times without my knowledge. I want these removed from my credit please. I did not authorize these credit pulls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Product: Debt collection

The only time I know of the debt was when it showed up on my credit as collections. I have never contacted the company to open any line of credit. I have never received a statement that would have alerted me that an account was opened. This is all fraudulent and needs to be removed from my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the Equifax data breach, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, Equifax disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with 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 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 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 These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.