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

As of XX/XX/XXXX XXXX XXXX I have noticed fraudulent account 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  CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I discovered an inaccurate report on my credit report while applying for a mortgage. This error has resulted in a denial which has adversely affected me financially and made it impossible to secure suitable housing. 

I contacted the creditor, Comenity Bank, directly via their XXXX number. They were unable to provide any details as they showed the account closed and sold to a 3rd party collection company, XXXX XXXX. 

I then contacted XXXX XXXX for details about this account as I had no recollection of opening a credit card with Comenity Bank. They too had limited information and referred me back to Comenity Bank. 

After numerous calls with supervisors at Community Bank I was able to ascertain the purported debt is from a My BJ 's membership card which I never authorized. Without my knowledge this card was opened despite me paying cash for my purchase at the retail outlet with my a free trial membership. An automatic BJ 's membership was charged to the card. I never received the physical card. I never activated the physical card. I never received any bills or statements. Without my knowledge and consent this account was created and an automatic {$59.00} membership fee was assessed. Nothing else was ever billed to this account. The {$59.00} fee ballooned to a {$340.00} credit charge off on my report and a secondary collection from XXXX XXXX. 

On XX/XX/XXXX I sent a certified letter to Comenity Bank addressed to the Clerk of Records asking for this to be investigated and resolved. To this date, I have not received any response. 

After not hearing back, I sent a simliar letter to XXXX XXXX who opened their own investigation. On XX/XX/XXXX, XXXX XXXX mailed a letter stating they couldn't substantiate the debt and they have ceased collections considering this a closed matter. They immediately deleted all records of their collection activity from my credit report. 

However, the charge off was still showing on my report with a balance from Comenity Bank. I then proceed with another letter to Comentiy and this time all three credit bureaus. Once again, I received no response from Comenity Bank but the three credit reports did update the reporting balance from {$340.00} to {$0.00} keeping the charge off as verified. The charge off status is completely inaccurate and is still preventing me from securing a mortgage six months after my initial attempt. 

I have exhausted all resources in attempting to resolve this with Comenity Bank and the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT A DUPLICATE and I, XXXX XXXX XXXX Social Security XXXX XXXX is filing this complaint and you call me at XXXX I'm responding to File Number # XXXX I filed a report on XX/XX/22 over 30 days ago. Also sent in a dispute to TRANSUNION. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. THIS IS GROUNDS FOR REMOVAL OF THESE ACCOUNTS BELOW. They also took more than 30 days to complete the report and violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

THESE ACCOUNTS BELOW MUST BE DELETE FROM MY CREDIT FILE. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I recently reviewed my Credit Report and noticed fraudulent information on my Credit Report.
Product: Checking or savings account

When I tried to open a checking account on my own, I was stated that I have had an account with them before which I know for a fact isn't true. I have been a victim of identity theft and what I assumed I cleared up keeps coming back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor by the NAME OF XXXX  XXXX bank is STILL violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I also received a letter in the mail FROM ANOTHER REPORTING COMPANY stating that they are representing XXXX XXXX bank USING THE SAME ACCOUNT AS THEM and the balance is {$240.00} and XXXX  XXXX bank is reporting that I own {$770.00}, i demand proof from XXXX XXXX bank that I owe that amounT OF {$770.00} I also demand a copy of the contract with my written consent In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX  XXXX BANK within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Debt collection

After careful review of my consumer reports, I noticed an account on my report from Southwest Credit System account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between Southwest Credit Systems and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had Southwest Credit Systems sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that Southwest Credit Systems provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Experian credit report. In doing so I noticed a delinquent bill claim from the company ( XXXX ) I called that company to inform them that I have never had a contract with them. When I gave the rep my name and number ( nothing came up ) after going through my info, finally I was patched over to a supervisor and he asked for my number. When he put my number in a account came up belonging to a female. I informed him that I have never had a account with them. I placed a dispute and the investigation determined that I have a account. Asked for the contract and I was refused access. He then told me that it stem from a purchase from XXXX. I informed him that I was a store XXXX for XXXX for 18 years and that I would contact them and 3way affirm on the call. XXXX refused to join in on the call. I contacted my old employer and received my purchase history and it reflect that I havent purchased anything on XXXX since 2017. I emailed that information to affirm and they still insist that I made the purchase. XXXX my old employer will provide any information needed but XXXX refuse to contact them. I am a victim of breach of information. XXXX refuse to provide me with the contract number so that I can have XXXX provide the number to the person whom have the account. I gave the same information to Experian and both companies refuse to resolve this issue.
Product: Debt collection

This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when XXXX XXXX ( try to collect ) as of XX/XX/XXXX 1. CFPB Reference Complaint XXXX XXXX. XXXX XXXX. XXXX NCB Management Service has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( Rise Payday Loan.

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt or credit management

I signed up for Tomoboost service and havent received any services promised and they are charging me {$120.00} per month and didnt allow me to cancel on portal until today..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I sent a certified letter to TransUnion requesting how the 2 student loans on my account information were validated. I had to follow up with a phone call because the dispute was not addressed in there response. On our phone call they told me I would have to reach out directly to the US dept of education. Having done so, the US dept of Education stated they did not have signed documentation on these 2 accounts to authorize loans. These 2 loans are shown to have been opened on the same day with different balances. Both accounts show a XXXX balance with a derogatory note showing account as paid off after collection/charge off. I have no charge offs or collections on any of my reports. And it is inaccurate to have a status to show as both a collection and charge-off. I followed-up via a phone call with TransUnion informing them the US Dept of Education stated they could not provide signed documentation of the loan and would not remove the inaccurate derogatory status. I was told by TransUnion that I unless they were notified by the US dept of Education that they were unable to make any changes to the account.
Product: Credit card or prepaid card

I found fraudulent charges on my TD Bank credit card and reported it. They investigated and said they were going to reverse the credit and charged us {$250.00} for unauthorized charges from XXXX XXXX. Their own XXXX XXXX, agreed they appeared to be fraudulent as the telephone provided by XXXX XXXX went nowhere. We have written, called and emailed the bank and they still made us pay the fraudulent charges. In order to preserve our credit, we paid them. XXXX XXXX who is supposed to be a supervisor said the charges will remain. The bank will not assist as apparently the credit card department is in complete charge.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered while using the Paypal XXXX XXXX, which is managed by Paypal and XXXX XXXX. As an agency dedicated to ensuring fairness and transparency in financial services, I believe my experience warrants your attention. 

The problem I am facing revolves around a technical error on the Paypal credit card website that prevents me from making payments or setting up auto-pay. Whenever I attempt to perform these actions, a message appears, stating, " Sorry, there was a technical error. Please try again later. '' This persistent issue has left me with no viable method for setting up auto-payments or making manual payments, other than resorting to calling Paypal every month. Such an inconvenience goes against the very essence of efficient and user-friendly financial management. 

I have diligently reached out to XXXX XXXX, Paypal, and Paypal XXXX  in attempts to resolve this issue. Regrettably, each entity seems to pass the responsibility to the other, and there appears to be a lack of internal communication regarding this matter. This predicament is particularly frustrating as it contradicts the core principles of ease and accessibility that Paypal strives to provide its users. This prevents me from making informed decisions about managing my credit card bill, an essential aspect of responsible financial planning. 

I find this situation utterly unacceptable, as it severely impacts the usability of the Paypal XXXX XXXX If this technical flaw persists, it undermines my confidence in using Paypal 's services altogether. The ability to manage my finances efficiently is a fundamental expectation when dealing with financial institutions, and the current circumstances fall far short of meeting that standard. 

I kindly urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Paypal, XXXX XXXX, and Paypal XXXX take the necessary steps to rectify the technical error promptly. Consumers should not be burdened with the task of navigating complex communication channels to resolve issues that hinder their financial stability. 

Thank you for your time and attention to this matter. I appreciate your commitment to safeguarding consumer interests and promoting fair practices within the financial sector. 

Sincerely,
Product: Debt collection

I do not have a signed contract with XXXX XXXX. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/ XXXX XXXX XXXX XXXX Bank ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted
Product: Mortgage

Website not working, app either, i can not apply payment to my loan, customer service says system is down and there is not eta, they told me not check needed since they can not apply it either due system being down, my mortgage payment is due on the XXXX and i can not pay, i also checked my taxes on XXXX website and they havent paid the taxes even though i received an email on the XXXX XXXX saying they would pay it and they are due in 3 days. I wont pay any late payment fees, im scared of having my credit hurt when i never had a single late payment or collection ever, so i wont pay any extra to the county about my taxes or late fee, seems like this is related to a cyber attack but there is a lot of lack of transparency, they removed comments in XXXX, website doesnt load, the email address is not working anymore and now they dont even pick up the phone, suuuuper scary and suspicious! Again taxes due on XX/XX/XXXX and XX/XX/XXXX for my mortgage that i can not pay at all
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has me listed late payment and not making payments, I do have a XXXX XXXX, but I have never missed a payment on my home!! I keep disputing it and they keep denying it, and when I ask for a payoff of the home they will not, give me a run around, been paying 18 years, it is getting embarrassing to me, trying to show or prove I'm making on time payments, please help me,
Product: Money transfer, virtual currency, or money service

To whom it may concern, please understand that I was approached by an XXXX woman via a phone call who intentionally called me in order to start a relationship with me. Over the course of several months, she nurtured the relationship with me in order to convince me to invest money on the XXXX XXXX platform which I did and my investments began right around the XXXX XXXX XXXX, 2023. I started transferring first small, then bigger, and bigger amounts of money from my Wells Fargo account in order to support my investments, with her as my broker and guide. Somewhere around XXXX this year is when I saw what I had assumed were profits from my investment efforts, which were falsely presented and utterly fabricated. This is when I wished to withdraw my earnings, however, she informed me there was a problem with my account and that I should contact the support team. The support team asked me to pay taxes for my alleged earnings and even connected me to an individual who represented themselves as a US agent of Law Enforcement. After being asked to pay taxes in XXXX different states as well as an Anti-Money Laundering tax, I sadly realized that I was being scammed all along. My total investment amounted to XXXX USD at that point and this is the total amount I had transferred from my Wells Fargo account to the XXXX XXXX platform in order to fund my investment which I believed to be a real endeavor. I was absolutely crushed when I realized that I was being tricked all along, maliciously manipulated into giving away my fund. I am a father of XXXX XXXX  and the reason I was doing something like this is to support my family and help my XXXX  on their lifepaths. In these trying times, with agile professional thieves lurking and engaging honest, hard-working, and family-oriented people like myself, I must turn to the conclusion that I could have been protected on a higher level by you, my bank of choice . I must question why this type of erratic activity on my account was never investigated and why I was not stopped from making these ill-decided investments. I must ask you to honor my choice of you as my financial services provider and my long-term loyalty and help me by reimbursing this amount of XXXX USD that you have helped facilitate from my account into a non-lucrative investment, induced and led by scam artists which predate and make use of your system and client negligence to this very day. I humbly request that you help me get back on track with my life as a father of XXXX XXXX XXXX  that need me to provide for them and assure me that my client relationship with you is a valuable one and that I have not wasted all these years by putting my trust in you to guard my assets, even against bad decisions I might make, maliciously persuaded to do so or otherwise.