23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication.

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Your company also did not send any information regarding this alleged debt to me which is also a violation. 







Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since my initial dispute that was sent to Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX # XXXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither Transunion, Equifax, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.
Product: Credit reporting or other personal consumer reports

Good afternoon, I'm reaching out in regards to an account I had with Navy federal credit union that was placed into early earning services for possible fraud. My bag was stolen at a party which included phone and card/money etc. I never filed police report. I informed XXXX XXXX XXXXXXXX of the incident and there was some fraud on my account which put my account in negative by like $ XXXX. They closed my account and it was placed on credit report as fraud as if I did it. I need this removed off my credit report, I didn't commit any fraud on a bank account that I needed and used. I've been getting denied for loans, bank account and etc because of this
Product: Debt collection

This company has even attempting to collect {$980.00} on a credit card that I have never had as a result of my actions.Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one XXXX XXXX card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft
Product: Debt collection

On more than XXXX occasion, I was called at work and on my cell phone by an Account Manager XXXX. An account manager left several messages for me through the office manager at my job. This has caused complete embarrassment and anxiety for me at work. More recently I've received numerous threatening emails. This ordeal has given me anxiety and stress. I communicated that I do want to work to clear my debt and that I'm currently under dire financial constraints. When I didn't reply as quickly as the Account Manager, XXXX XXXX expected, I was harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

On XX/XX/2023 I received a notification from XXXX I has a new inquire for a personal consumer loan request on my credit report. I do not bank with PNC nor do I have a business relationship with PNC. I also, did not authorize a personal loan with PNC. 
I called and requested an investigation. They opened a ticket and had me over the phone, fill out some basic information and gave me a ticket number. I did not hear back for XXXX weeks until I followed up. I then received a contact person who was willing to work with me on the investigation and advised me to send in a certified mailer letter requesting a investigation and stating that I did not authorize the personal loan. I completed this step and on XX/XX/2023 PNC sent me a letter back stating the investigation was completed and that the information provided was accurate and they reported the credit agencies even though my letter I sent to them certified clearly describes the inquire as fraud and was performed without my consent. My request to perform a removal of the fraudulent application/load was ignored. This same inquire appeared relatively in the same time period with XXXX and XXXX XXXX as well, also ignored. We are working to get those removed, too. they're also fraud and were performed without my consent.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This is my second complaint about PayPal. They originally set a reserve on my account that was for about {$8300.00}. I was notified and found it unfair. However, they refused to make any adjustments. 

Now, without any warning, they 've kept much more than that. Every time I get a new payment through PayPal they increase the reserve. As of now they have nearly {$10000.00} in the account. They say this is decided based on your risk factor, including - credit score, payment amounts, disputes against you. Since the first reserve was set, my credit score has increased, I 've taken a smaller amount in through PayPal to avoid being high risk and I 've had ZERO disputes against me. This is bizarre. 
Not to mention the last number they gave me is {$9.00}, XXXX for my reserve and they currently are holding MORE than that. The same day customer service gives me that number. Really? I highly advice against using PayPal for business - I 'm using multiple other merchants right now and they treat me amazing. PayPal is basically stealing from me every time I take a payment ( Considering they give no warning and change the number as soon as a small payment goes through ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Last summer, I was looking for a rental in XXXX XXXX, NM as I was planning on moving there within the month to start a new job. My friend and I found a place that seemed reasonably priced and decided to apply. The landlord sent us application invites through TransUnion, which required us each to pay {$41.00} for a consumer report. There was a delay in doing this for me, since I was a XXXX XXXX XXXX XXXX XXXX XXXX. While I had presence in the US and a US bank account, they could not get a consumer report as easily as they could for an American with a credit card. 

I contacted TransUnion immediately in an attempt to resolve this. They instructed me over the phone to email them a copy of my passport ID page, and a bank statement proving I had a US bank account. They said they would charge me once they send the consumer report to the landlord. A couple of days after this, I get a notification through their portal that the landlord has declined my application since they found someone else. Not a problem, I continued looking and the report did not come in time anyways. However, they end up charging me for the consumer report a day later, meaning that even though the application was cancelled before the report was completed, they still ended up sending a useless report to a landlord who already chose a different tenant. 

I contacted them over the phone again, explaining the situation and asking for a refund. They claimed I would hear back from them or get the refund if they decide to give it to me. Evident by me writing this complaint, they never provided the refund. 

Below are .pdf documents outlining what happened chronologically, with relevant timestamps highlighted ( I added my last name to all of them for reference ). 

Invitation to Apply - XXXX Copy of an email I received, notifying me that the landlord is requesting a consumer report as part of the application. 

Email to TransUnion - XXXX  After a phone call, I email TransUnion as instructed ( passport photo and bank statement ). 

Lease Appl. Declined - XXXX Lease application is denied on the morning of XX/XX/XXXX. TransUnion is clearly aware of this since they sent the email, and the landlord did their part of noting the denial on the TransUnion online portal. 

XXXX XXXX Statement - XXXX Bank statement with a highlighted transaction noting that the report was processed on the XXXX, a day after the application had already been cancelled. If the application was closed, what was the purpose of going through with this?
Product: Debt collection

Collections Bureau Of Hudson VA Acct Number XXXX Date fraud began XX/XX/year> Amount {$1200.00}
Product: Credit card

Hello, I have disputes with XXXX different companies to remove derogatory items affecting my credit score. 
Prior to this issue my credit score was XXXX. 
I desire to get my excellent credit rating back on track. 
I feel like I am being bullied by these companies and have tried everything I know to do with no results. 
I am disputing the following : Below is a full description and resolutions of what is required to receive an XXXX credit score, time is of the essence, I desire to purchase my dream home in XXXX. 
The merchant accounts amount as follows : XXXX XXXX $ XXXX XXXX XXXX {$1200.00}. 
Both XXXX and XXXX XXXX have passed that statue of limitations to collect a debt in New York and XXXX. 
Resolution : They must remove this off my credit. 
& XXXX ; Dispute Explanation & gt ; Item XXXX and XXXX was my credit card processing and equipment companies. I closed my company in XX/XX/XXXX which obviously I needed the equipment. I contacted the companies that I closed my businesses and never heard anything from them until XX/XX/XXXX, when they put the the negative items on my credit report. 
& gt ; XXXX : I want both of these charge-offs removed. 
& gt ; 1. XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX PA. XXXX & XXXX ; 2. XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX & gt ; XXXX, Il XXXX & XXXX ; XXXX XXXX XXXX XXXX & gt ; 3. XXXX & gt ; XXXX XXXX XXXX. 
& gt ; XXXX OH XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX is stating that I was XXXX months late which I was n't and it confirms I was not on my credit report. According to their credit policy a late credit reporting is only done when a person is XXXX months late not XXXX days late. 
& gt ; Resolution : I want the XXXX day late report removed. 
& gt ; & gt ; XXXX. XXXX & gt ; XXXX & gt ; XXXX, FL XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX which issued my XXXX. I had a XXXX balance with this company and they took the liberty to check my credit score and made an executive decision to close my account which adversely affects my credit score. 
& gt ; Resolution : I want my XXXX XXXX re-opened because they did not have permission to check my credit score after my credit card was approved. 
& gt ; 5. XXXX XXXX XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX XXXX South Dakota XXXX & gt ; & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; Years ago I closed this credit card with a XXXX balance. 
& gt ; & gt ; Resolution : I want this credit card removed from credit report because the closed credit card like the XXXX card being closed adversely affects my credit card. 

Thank you
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I reached out to the credit bureaus to dispute these inquiries and have them removed. However, my request was denied, and the inquiries remain on my report. This situation is causing significant stress and negatively affecting my financial standing and reputation.
Product: Debt collection

I opened personal account with XXXX phone services in XXXX of XXXX. Closed account in XXXX of XXXX. It went to collections and I wrote a couple letters and called to clarify the account was closed and I just found out it went on my credit report in XXXX XXXX. 
Account Name Account Type Account Marks Past Due Reported On 1. 
XXXX XXXX XXXX Charge off Learn More {$240.00} XXXX. XXXX, XXXX From what I understand this ALDOUS company has many complaints of false billing and credit reporting. 

My credit was excellent until this false collection was filed and I would like to have it removed. Thank you for your time and please let me know how I can have this false charge removed?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collections on Credit Report Dear CFPB, I am writing to formally dispute the collections reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that these collections are inaccurate, and I request that your office investigate the matter thoroughly. The collections in question could be possible fraudulent activity due to a known data breach in which billions of individuals sensitive personal information, including mine, was stolen by hackers. Im also a victim of identity theft from previous years back. I believe my information was compromised, making me a victim of identity theft. The existence of these collections on my credit report is unjust and has caused significant harm to my financial standing. Under 15 U.S.C. 1681, I am entitled to the assurance that all information reported about me is accurate and verifiable. Given that my identity was stolen and used without my consent, the collections associated with this matter are neither accurate nor fair representations of my financial obligations. I respectfully request that your office : Investigate the collections and accounts below in question to determine their validity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact the reporting agencies and collection companies to verify the accuracy of the information. Remove any unverifiable or inaccurate collections from my credit report immediately. Please note that as a victim of identity theft, I also request the CFPBs guidance on any additional steps I may take to protect my credit and hold the responsible parties accountable. The data breach law reinforces the necessity of addressing the consequences of such breaches promptly and effectively to minimize harm to affected individuals like myself. I look forward to your prompt response and resolution of this matter. Please contact me directly at XXXX if further information or clarification is needed. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have attempted to dispute this account multiple times ; however, it continues to be reported as verified. Despite my efforts, neither the credit union nor the company involved has provided any relevant documentation or information substantiating their claim that this debt is mine.

I believe that without the proper verification and supporting evidence, this account should not be reported against my credit. I kindly request that the CFPB intervene in this matter to ensure that my rights are protected and that proper regulations are being followed regarding debt verification processes.
Product: Checking or savings account

On XX/XX/XXXX, I was slammed with a fake website while trying to order comedy tickets from XXXX XXXX XXXX XXXX XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. The following attachments are documentation that BB & T Bank refuses to cooperate to refund monies that was not authorized from a fraudulent company that has scammed me and many other people. First, BB & T representative assured me, when charges of {$270.00} posted to my account, I will be refunded. I contacted BB & T Bank continuously and its always an unresolved response such as merchant is disputing the claim then you have to wait for 30 days and final response was if merchant dont response, monies will be refunded. On XX/XX/XXXX @ XXXX XXXX, still no refund or merchant response. It has been over thirty days. I never received tickets from fraudulent vendor. Therefore, Im out of {$270.00} and tickets too. The attachment # 1 is the actual letter to start claim process, attachment # 2 is the actual website for XXXX XXXX XXXX XXXX XXXX XXXX with tickets purchased and confirmation. I finally was able to purchase two tickets from the correct website. After, I attempted to purchase ticket again ; the fraudulent website came up twice. As I explain to BB & T representatives more than once, I attended a show with tickets purchased from XXXX XXXX XXXX XXXX XXXX XXXX but my debit card was charge {$270.00} for tickets NEVER received. It has been very stressful and unfair to be treated in such an appalling manner. I have contacted BB & T Bank on the following days : XX/XX/XXXX ( first call ), XX/XX/XXXX ( informed BB & T representative to expect an email ), XX/XX/XXXX @ XXXX XXXX-13 mins-38 seconds, XX/XX/XXXX @ XXXX XXXX-7 mins-44 seconds, XX/XX/XXXX @ XXXX XXXX.-11 mins-46 seconds, XX/XX/XXXX @ XXXX XXXX-19 mins-1 second
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 : Certified letter received by XXXX, from myself, requesting physical verification of the account listed on my credit report from collector : QUALITY ASSET RECOVERY My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from XXXX stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from XXXX that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

GM is reporting inaccurate information to credit bureaus. Based on documents from GM they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting GM about the situation both refuse to follow the law set forth in FCRA. GM has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from GM Financial. No matter how times I have provided this information to the bureaus they allow GM to verify a totally different amount which is the definition of inaccurate.
Product: Debt collection

This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting accounts to my credit file that are legally incorrect and fraudulent, These account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. 



Fraudulent account for {$180.00} Fraudulent account for {$660.00}
Product: Debt collection

This entire year of XX/XX/XXXX I been contracting XXXX XXXX in XXXX. trying to settle my account, so on XX/XX/XXXX I called the bank to pay the balance, and they informed me they can not take my payment and have nothing to do with this account, keep in mind they are reporting information to the credit reporting agencies. So they inform me it was sold to XXXX XXXX in XXXX, I have write both companies in XX/XX/XXXXabout settling my account I waited 37 days with no response from never, that is why I made a call on XX/XX/XXXX. Ok back to the call I ask the person on the call if I pay the collection agency which is not reporting to the credit report agency who is supports to change my pay statue to paid from collections, she replied with dispute it with the credit agencies. My question is how am I going to dispute a company which is not reporting on my account when the bank is but has nothing to do with the account. What I see happening is I pay the collection company and the bank still reports the account as in collection.
Product: Credit reporting

I sent Experian a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and XXXX XXXX Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.