23daVinci/CFPB_Complaints huggingface dataset:
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 {$660.00}, {$17000.00}, {$2000.00}. 
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 XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( XXXX, XXXX, Experian ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and XXXX told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to collection agency XXXX XXXX XXXX here in XXXX XXXX Missouri and spoke to the clerk and asked them for a report on my accounts, because there is 2 people 's unpaid credit on my individual credit report. These people happen to be family and they are medical accounts. I have nothing to do with their medical history or what they owe. They have their own insurance, which I am not listed anywhere on that policy for anything. I told them to have those reports removed and they said we are allowed to do that. I said you are certainly not then I asked for all the copies of accounts and they said no. This information went to credit bureaus and. Stopped me from getting my Business loan and has dramitacally effected my score. I never received any mail for this unfair reporting and against my rights. Please help me because I have already lost 3 accounts to their unfair practices and I need my equipment. I will follow up with lost revenue and what the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment 605 of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my credit report from Capital One Bank, that I did not make. I called Capital One Bank and they said they do not have records of those inquiries. I was directed to call XXXX and they said I needed to report it as fraudulent and that my account was breached. One inquiry was made XXXX XXXX and the other was XX/XX/2023 I am concerned someone is trying to get credit with my information. Please can you offer me some help to stop this before it happens again. 
Thank you
Product: Money transfer, virtual currency, or money service

I have been using Gemini for crypto, they knew that I was in a scam and did not try to protect me in any way they just closed my account instead advising me. So unprofessional as a customer I have been emotionally and financially left out alone in this. And now I am trying to contact them and again the same emails your account is closed. They dont even wan na respond back to my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation including a FTC report ID number along w/documents verifying my identity. I encourage you to take the time to actually look at this time instead of blowing me off with a generic response that does nothing but try to make the consumer look like an XXXX XXXX. This is now my third time trying to resolve this issue with you, Transunion. Once w/you directly an twice now through CFPB. I strongly advise you to take action this time so we are not forced to escalate this matter further. You are essentially harassing a victim and tossing their pain and suffering as a result of ID theft to the wind. Probably not a pretty picture to be painted for your image
Product: Credit reporting or other personal consumer reports

Im stressed and displeased that I see so many fraudulent accounts on my credit reports. This is really damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair I have tried several times to get these account removed. Let alone my information was in a XXXX and Equifax data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and they have not. This is not right and goes against federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should not be furnisher peoples information to 3rd partie companies do this is illegal, neglect and fraud. I have already reported this to the local police department and federal trade commission. These companies and the credit bureau can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space feeling your data base is inaccurate and Im filing ligation against this if these items are not removed immediately. 

Account : XXXX and XXXX - XXXX - Last Updated XX/XX/XXXX - reflect Past due - Balance : XXXX credit limit XXXX XXXX and XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX last updated XXXX reflect past due delinquency- balance XXXX - credit limit XXXX XXXX XXXX- Last updated XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX ) - reflects charged off bad debt- balance XXXX US Department of Edu- Last Updated XX/XX/XXXX ( XXXX XXXX Equifax , and XXXX ) - Showikg charged off XXXX XXXX ) Delinquent ( Equifax ) and current ( XXXX ) - Balance XXXX XXXX XXXX XXXX - Last updated XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX XXXX charged off Collections : Equifax - XXXX ( original lender ) XXXX ( agency name ) XXXX balance XXXX & Equifax - XXXX XXXX XXXX- XXXX ( account number ) Date XXXX XX/XX/XXXX XXXX balance XXXX XXXX & Equifax XXXX XXXX XXXX - assigned XXXX balance XXXX ( Equifax account number ) XXXX ( XXXX account number ) XXXX XXXX - balance XXXX Hard Inquires : XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info : My name is XXXX XXXX XXXX XXXX and only should be listed this way. 

Previously lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Current Adress is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as of XX/XX/XXXX. 

Please delete and remove all other previous address and name spellings off the report as there in accurate as well as remove the employment history and employee as Im self employed thanks
Product: Debt collection

XXXX has reported on multiple Credit reports that I have an account Opened XX/XX/XXXX of {$500.00} I have not had XXXX in over 6 years! I have attempeted to contact them by mail with no responce. I have filed disputes with the CRA and have had this removed before as the Date they have posted now is different then the dates they had on it before it was removed and now they are adding it back and claiming I owe them money. They have also reported a charge of {$280.00} Claiming to be Opened XX/XX/XXXX. Which is not possible as I was not in the state at that time! I was in Ohio working for a XXXX XXXX! I have tried to solve this matter with them and they still ignore me. This is the last straw for this! If this is not removed from all agencies i will have no choice but to file a Lawsuit against Both SWC and XXXX for The damages it is causing.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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: Checking or savings account

I deposited {$240000.00} into the account and withdrew {$200.00} on XX/XX/2021. There is {$230000.00} for me, but Chase has denied me from withdrawing the money. According to XXXX the account closed, but that is fraud. The Chase branch manager of the XXXX XXXX XXXX, XXXX XXXX, CA XXXX location did not return my check. I have asked for my money, but I am being hindered by Chase. I spoke with Chase Claims Department to get my money. I was transferred to the Collections Department and spoke with XXXX Unique ID # XXXX. XXXX claims that the check did not cash, but this is fraud. I have the receipt as proof. The receipt is prima facie evidence.
Product: Credit card

Why is this 7 plus year old debt that you sold to XXXX still on my credit it should not be. Please get this off my credit report.
Product: Bank account or service

On XX/XX/2016, the bank charged me {$37.00} overdraft fee even though they have a 24-hour grace period. Huntington advertises this 24-hour grace period service and does not honor it. I feel this is deceptive business practice, because the 24 hour grace period service is only allowed at random or when they choose to let a customer use it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit card

As a consumer, I am enforcing my rights against unfair practices from all credit reporting agencies. FCRA 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right 's to privacy. '' As a consumer, I have the right to ensure my private information isn't shared according to 15 USC 6801. I am opting out of the Agreement to report any information on my behalf as authorized by 12 CFR 1016.10 ( a ) ( 2 ) ( 3 ). 
XXXX, XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is supported by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. I do not consent to XXXX, XXXX, XXXX, XXXX and all other reporting agencies to furnish my information and whether, it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I, XXXX XXXX, the consumer ; was never informed by XXXX, XXXX, XXXX, XXXX and all other reporting agencies, of my right to exercise my nondisclosure option : 15 USC 1681 C ( a ) ( 5 ) : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years ''. 
XXXX, XXXX, XXXX, XXXX and all other reporting agencies are reporting credit inquiries and nonpublic personal information without my permission, which is against the law because my credit report is in adverse account. Every credit reporting agency shall maintain reasonable and fair procedures designed to avoid violations of section 1681 c of 15 USC. Lastly, according to 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time ''. I am opting out of your reporting services. 
:
Product: Money transfer, virtual currency, or money service

the PayPal company close my account for not reason and them will not help me with Getting it back up and going. Every time when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They ask me for document for remove the limitation and after i send all document, they send me another email that my account is close ( Id. de ref. XXXX ). 
I try to contact a manager and supervisor and they said they cant help me anymore. 
They removed all message from the account for avoid that me get evidence or proof. 
PayPal is expert in XXXX stolen money from people. 
this company has XXXX complaint about same situation is really bad. 
See my evidence before PayPal close the account and after they close. 
They delete everything. 
Paypal IS XXXX company, i hope Cfpb help me to get my money back. 

My email is XXXX Paypal is not doing her job properly and that the reason. i am file a report here. 
Paypal is violating the rights of people by closing accounts to keep the money and so make your company grow with the money that is stolen from people. 
My case is an evidence.
Product: Credit reporting or other personal consumer reports

II have been a victim of identity theft and discovered several fraudulent accounts on my credit report. I have taken the necessary steps to address this issue, including filing a police report. Below are the accounts that are inaccurate and not associated with me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX Account not mine - XXXX XXXX  XXXX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX  Account XXXX : XXXX Please eliminate this inaccurate information from my credit report. 

Account not mine - JPMCB CARD Account Number : XXXX Please remove it from my credit report. 

Account not mine - XXXX  Account Number : XXXX Requesting removal from my credit report. 

Account not mine - XXXX  Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report.
Product: Mortgage

I believe 1st Reverse Mortgage ( XXXX XXXX ) is a predatory company. They contacted my uncle ( XXXX years old ) about a reverse mortgage. He signed paper work and when asked for it, he could not locate the paperwork. I contacted the company and asked for a copy of the paper work but was told they are not authorized to talk to me. I understand that because I am not on any of the paper work. I am not sure of what to do next in this situation. Is it possible to have 1st Reverse Mortgage investigated for using predatory practices?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PORTFOLIO RC XX/XX/22 RE. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX I have made numerous phone calls for XXXX XXXX years regarding inaccurate reporting with no resolution. The company can never find any information when I call. But keeps reporting as the same company but with different account numbers. This repeated cycle is illegal.
Product: Student loan

I was placed into a forebearance while on the SAVE plan, and have received on multiple occassions ( XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ) notice of my forebearance and accompanying it, a table indicating my interest rate is currently 0 % for all six loans I currently have in repayment. Additionally, my XX/XX/year> notice that I was initially being placed on forebearance clearly says, " While you are in this forebearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forebearance. '' However, on XX/XX/year>, I received a correspondence from MOHELA titled " Interest Accrual During Forbearance '' informing me that " interest continues to accrue on your loan ( s ) during the forebearance period '', and that I have -- in the same table it confirms I have XXXX XXXX  interest -- unpaid accrued interests to date of {$14.00}, {$19.00}, {$9.00}, {$4.00}, {$22.00}, and {$49.00}. 

I've been told interest would not accrue while on forebearance, but now I'm suddenly being told that actually, interest *will* accrue, has accrued, and is unpaid.
Product: Student loan

The loan servicer is Navient. I have been paying back this loan for 15 years and 7 months. I owe more now than I did when I started the loan. 

I co-signed for my daughter with Navient also. Her loan is the same. With every passing month, the loan is higher. If I don't pay them both, my credit will be ruined. 

I have read that this company has been sued. I asked if I qualified for forgiveness of my loans and was told that I was not. My payments total about $ XXXX. I feel certain that I have paid these loans off. 

Currently, I am a XXXX XXXX XXXX I have my federal loans forgiven. I can't understand why my loans for have not. South Carolina is a qualifying state and I am still paying on these loans. 

My loan is {$17000.00} and my daughter 's loan is over {$25000.00}. I am not delinquent. 

Thanks for indulging me.