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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

XX/XX/23 I called IC Systems after having disputed it on my credit report because it was not my debt. IC Systems verified the debt with XXXX, but when I called them they didn't even know where the mailing address or service address was. They were unable to verify any key information on this debt, refused to send me validation of the debt, were forcing me to communicate in a way I did not want, and that was not convenient for me, requiring I file police reports for a debt that was not mine and I knew nothing about, and take legal action against I don't know who. This violated Regulation Z, F, FCBA, DTPA, federal and state debt collection laws, and more. 

XX/XX/23 I emailed them a letter notifying them of these violations, as well as their illegal actions to re-age this fraudulent debt. I also notified them this had been on my credit report before by 2 other creditors. The original was XXXX XXXX, mind you I live in XXXX XXXX and the other XXXX XXXX XXXX. Both times this had been tied to me in error, neither company was able to verify the debt, and in my last conversation with XXXX XXXX, they said they would remove this debt as they verified it was not mine. 

No details on the original creditor other than the name XXXX XXXX were provided by XXXX or IC Systems. They were unable to even provide this basic information or any validating information on this debt. They didn't have the dates of the supposed service, service address, payment history, or any records or bills of any kind. They also didn't have the last four of my social until I finally gave it to them, as they stated they needed it to look up the account. However, in the call transcript, you can hear the creditor representative talking to her boss saying there was no information. I have also attached a transcript of my call with IC Systems and a follow-up email letter. 

Yet it's been placed on my credit report again, re-aged and unverified. They have refused to verify it, or remove it from my credit report which has caused significant damage! 

In my initial dispute with XXXX, XXXX stated it was validated by the creditor, but failed to provide a means, method, or reason as to how it was validated if they didn't even know the address or dates of service this account was for. Thus XXXX failed to actually investigate and validate this debt as they are obligated to. 

Should this not be immediately remedied I fear I will have to seek out compensation from both the creditor and XXXX for the significant damage it has caused.
Product: Credit reporting or other personal consumer reports

I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and my overall credit. From my understanding that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase from the company XXXX on XX/XX/XXXX. Payment was using Paypal, and my credit card via paypal. 

I ended up returning the entire order back to XXXX, and provided tracking information to paypal. Paypal originally ruled in my favor, and then reversed their decision for no reason. 

" Add money to resolve your negative balance. 

- {$6700.00} '' All of this happened in XXXX. 

Now I received a message from PayPal saying they are transferring my ( falsely ) negative balance to a debt collection agency, XXXX today XX/XX/XXXX. 

This is unacceptable. I returned the products and should not have a negative balance on paypal. 

I demand a removal of the negative balance, removal of submission of my account to a debt collection agency, and recognition from Paypal that they have erred.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to protect my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Checking or savings account

Email reviewed claiming to be from PayPal and fraudulent charge. Email from an XXXX account though. Using copyrighted PayPal info to seem official with an XXXX number to call. They don't list my supposed account number anywhere and to my knowledge I don't have an active PayPal account. Clearly trying to deceive and gain access to my money. Pic attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # TransUnion XXXX, XXXX XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX XXXX XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
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 the XXXX credit bureau XX/XX/XXXX, 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. 
DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- ALLY FINANCIAL is breaking the consumer law pertaining to : ALLY FINANCIAL ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, Equifax, XXXX XX/XX/year> This letter is a formal complaint that you are reporting to my consumer report Fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U. S. Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence, Until U. S. CODE 1666 ( b ) ( 2 ). I the consumer is aware documentary evidence pursuant to 15 U. S. Code 44 includes all documents, papers, correspondence, book of account, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of who you spoke to, date, conversation and written letter from the company you spoke to. I require this clarification in order to address the billing error for these accounts listed below.
Product: Money transfer, virtual currency, or money service

around XX/XX/year>2023 i got a plan ticket and the insurance so it could be refunded if i needed to, i happened to getXX/XX/XXXXa week before i was supposed to get on the plane so i refuned my ticket and i was inly given back the insurance part of it so i contacted cashapp and they ended up suspending prts of my accounts with no warning or commication on why it was suspended when i tried to talk to the cashapp support system it was hard to find their number and when i did i would be on hold for hours on end or jsut got hung up on they said i would get my dispute back but ended up with not even being able to send money for 3 months
Product: Debt collection

Capital One sold the account to XXXX XXXX XXXX on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.
Product: Debt collection

Radius Global Solutions ( hereinafter RGS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. RGS lacks a bonafide and meaningful relationship with me, meaning RGS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by RGS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, RGS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, RGS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that RGS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from RGS, I was able to mail them a notice of dispute more than 30 days ago, and requested that RGS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that RGS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that RGS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.
Product: Mortgage

A home in our sub-division, XXXX XXXX, XXXX XXXX, CO XXXX was abandoned, and the mortgage company now owns it. However, the mortgage company has refused to provide upkeep on the yard. It is now so overgrown with weeds and grass that it has created an eyesore, and affects the value of the homes surrounding it. 

I contacted the mortgage company, Mr. Cooper, starting on XX/XX/2019 to notify them of the condition of the exterior grounds, and to request that it be addressed immediately. I was assured it would be addressed by their preservation team. 

No action whatsoever has been taken by Mr. Cooper despite multiple subsequent calls in which I have been assured that the yard maintenance would be done. 
This a middle-income neighborhood that is doing its best to maintain our homes and our property values. Mr. Coopers negligence is affecting the value of the homes in the neighborhood, and is an insult to our community. As XXXX of the XXXX XXXX, I represent the XXXX XXXX  XXXX members who have had enough of Mr. Coopers purposeful neglect. 

Mr. Cooper is doing a disservice to our neighborhood, and is showing a lack of respect for the responsibilities of property ownership that is disgraceful. 
While several neighbors have volunteered to help clean up this property, this would be encouraging Mr. Cooper in its negligence and disrespect and has been declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old XXXX account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so XXXX is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my XXXX   because XXXX XXXX lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I will never see a light at the end of the tunnel with this loan and the fees and percent that is charged. Used my car as collateral, and the vehicle isnt even worth the amount of the loan.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a brand new XXXX XXXX in XXXX, CO. The lease was for 3 years, I made every payment on time, and took very care of the car. At the end of the 3 years, I extended the lease for another 6 months. I had excellent credit and very good job. In late XXXX my wife fell ill and after tens of thousands of dollars of medical bills she became disable and couldn't work. We accumulated high credit card balances. However, I never missed a payment on any of my credit cards or the lease payment. 
In XX/XX/XXXX XXXX informed me that I can't extend the lease any longer if I want the car, I can buy it. They told me that based on my excellent payment history with XXXX, if I finance it with XXXX the interest rate will be between 4 % - %, but I have to do that at XXXX Dealership, so I went to the closer XXXX Dealership on the last Saturday of XX/XX/XXXX. XXXX XXXX in XXXX, MN lied to me and told me that they can't finance the loan with XXXX XXXX, it has to be a BANK. They recommended Ally. I wish I never went to this dealership, other XXXX dealers in the area told me ( after the fact ) that XXXX did not use XXXX because Ally pays them to bring customers in. They told the interest rate will be 9.25 % for 60 months. I thought with my excellent credit it should be much less however, it was the last day I can buy or turn in the car. 
Ally Financial and XXXX XXXX took advantage of 70 year-old trusting man. Ally knew that they were deceitful so they didn't send me any paper work, and their website doesn't show how much was charged, and the statement have to be downloaded and it doesn't show much either. After paying Ally about {$8700.00} ( 33 month X XXXX ) they show that I still have 41 month remaining at XXXX that another {$10000.00}. 
I called Ally at the beginning of the year and asked them if I can make the payment on the XXXX of the following month rather than the XXXX of the month, they said if it's less than 10 days there will be no late fees and no extra finance charges. On XX/XX/XXXX I called again because I saw the finance charges would be much higher this year than last year. After 45 minutes with the agent, he would not give me any details. So, I gave them a low point feedback, I received a call from Ally the same day. I will attaching printouts to show how deceiving Ally is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account number  XXXX , from  XXXX   XXXX , with Experian asking to honor the agreement between  XXXX  and I, which was to have the account  XXXX , from  XXXX , removed from my credit file. After mailing the letter with the terms listed, cashed check with the terms LISTED ON IT if cashed, and the certified receipt with who signed for the letter and check, Experian just updated the account. I feel my rights was abrogated and not upheld by Experian, even after sending proof! I would upload the letter, cashed check, and who signed for these items below. I will also upload the certified receipt that Experian signed for on  XXXX   XXXX ,   XXXX   when i initiated the dispute.
Product: Mortgage

On XX/XX/year>XXXX  XXXX XXXX  formally know as XXXX haulted the foreclosure based on my QWR, Notice of Errors, send me the documents showing what investigation was done the conclusion of the investigation and the corrections done to the loan prior to proceeding with the foreclosure UNABLE TO PROCEED WITH PFFCRS AS LOAN HAS AN ACTIVE/UNRESOLVED BORROWER XX/XX/year> XXXX COMPLAINT/ESCALATION.PROPOSED RESOLUTION DATE : XXXX XXXX Activity Log attached
Product: Money transfer, virtual currency, or money service

I purchased XXXX tickets for my son and I from what I thought was reputable dealer for {$160.00}. The seller provided name, phone number, bank info, and email address. I was advised to use Wells Fargo banking app to transfer the funds using XXXX. After money sent I waited for tickets to arrive but nothing. Phone calls were sent straight to voicemail and texts were no longer responded to. After reaching out to my bank to report the fraud, I was told that they hold no responsibility for XXXX usage despite the money transfer service being in their application. I was also not given information regarding transaction despite Wells Fargo requesting information when utilizing app. I believe that is a shame that Wells Fargo and XXXX  XXXX XXXX promote and make money off of an service that provides zero responsibility for fraud and insecure transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress  and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Hello, I'm concerned about an unfamiliar inquiry on my credit report to which I didn't applied to. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.