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

I previously mailed the attached letter below onXX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a wire of XXXX was sent in error to a XXXX XXXX  account instead of going to a Wells Fargo account. A claim was opened on XX/XX/XXXX case number XXXX. It was initially stated that the claim would take XXXX business days. During the time calls were made to follow up and all times I was told the case was still being investigated and attempts were being made to XXXX XXXX to have the funds recalled. 
The case closed XX/XX/XXXX and on XX/XX/XXXX a final call was made and I was told the case was closed and all attempts to have the funds recalled were unsuccessful and I should reach out to the beneficiary to try and have them return the funds. After explaining to them that I don't know who the beneficiary was and that is why I was asking for the funds to be recalled. The only other solution was given was to go into XXXX of the XXXX locations and receive a wire transfer confirmation which would state the beneficiary information and try to go to XXXX myself and have it resolved. I think this is unacceptable and would like to see what other options I have please.
Product: Debt collection

AFNI has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX  or TransUnion. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX  and TransUnion receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account XXXX  : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

PayPal reported lack of payment to credit collection company XXXX XXXX XXXX. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with PayPal and XXXX.
Product: Mortgage

On XX/XX/XXXX I received a letter from PennyMac Loan Services, my mortgage company, stating that I need to verify coverage for wind and hail insurance for the time period of XXXX. They had sent me a letter prior to this stating that I needed the same coverage for XXXX and that if I could not provide proof of coverage I would be able to get it or they would provide it for me. Due to the initial letter, I obtained coverage for the year XXXX. This was the first time I had received any notification that I needed this coverage and I resolved it immediately for the current year. After receiving the letter on XX/XX/XXXX I called them to find out how I was supposed to get coverage for a previous year and why I had not been notified of this last year. They told me it would be taken care of. I then received a letter dated XX/XX/XXXX that the coverage they purchased on my behalf was cancelled effective XX/XX/XXXX and the money would be refunded to my account. There was never any coverage purchased that I am aware of, if there was I would have been paying more in my mortgage every month and no money was refunded. I received another letter dated XX/XX/XXXX stating that they were planning on buying insurance for the property and I must pay them for any period which the insurance they buy is in effect, but I did not have insurance. I then received a notice dated XX/XX/XXXX, which states " second and final notice '' requiring me to provide insurance information for the property and they are unable to verify coverage from XXXX. Again they state that if I do not have wind coverage for my property for these dates it will be provided for me, by them, at my expense and it will be billed to my escrow account or added to my loan. It also states it may be more expensive and may not provide as much coverage. When I called to try and understand what was going on I was told " the insurance is required ''. When I questioned why I never received a notice last year about this I was given the answer " they thought I had coverage last year and when they saw I did not have coverage this year it flagged them to look back on last year ''. The woman then stated that it was an " oversight on their part ''. When I asked her why I was going to have to pay for their mistake I was told, once again, that it was required. When I asked her how I was supposed to obtain coverage for a year that passed she again stated " it's required ''. I then told her that no insurance company is going to provide me coverage for last year and I was going to call a lawyer. I've since spoken with several mortgage lenders and insurance agents and was told by all of them that there's no way to get coverage for last year and in there opinion it is ridiculous that I be charged for insurance that I never had both privately or through PennyMac. They should not be able to charge me for insurance they never bought and overlooked my not having. I don't understand how I was supposed to know it was required by them without getting any notifications. Once I received notification, in XX/XX/XXXX, I immediately obtained what was required.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of TransUnion. The mentioned agency has NOT obtained my consent for the report of the Student Loans accounts on my credit profile. This company needs to remove this reporting since this constitutes the following DIRECT VIOLATIONS : Violation of the Family Educational Rights and Privacy Act ( FERPA ). Federal law that protects the privacy of student education records. 
20 U.S. Code 1232g ( b ) ( 4 ) ( B ) which states that : Personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. 
Violation of the Privacy Act of 1974, where clearly states that No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Violation under 15 USC 1681a ( 1 ) ( 4 ) and b, Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I, as consumer and student, HAVE NOT given TransUnion any authorization whether written, unwritten, verbal or non-verbal, to share my private educational information and/or records. Otherwise, I request that the company provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. 
If this information is unavailable, immediate removal is imperative. 
I AM NOT REQUESTING VERIFICATION OF ACCOUNTS ; RATHER, I AM DEMANDING COMPLIANCE WITH THE LAW AND REMOVAL OF SUCH ACCOUNTS. 

If the company decide not comply with the Codes and Laws stated, I will not hesitate to pursue legal action to resolve this matter.
Product: Credit reporting or other personal consumer reports

After reviewing my dispute results, Ive noticed that there is still U. S.

Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

XXXX has provided an dispute on my behalf and confirmed that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

The credit reporting agencies, ARE BREAKING THE LAW AND ARE COMMITING FRAUD validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ) An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, the CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX  Account number : XXXX Balance : {$2200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$4700.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1400.00}
Product: Prepaid card

I have a RushCard and had a deposit of over {$400.00} automatically put into my account on XXXX/XXXX/2015 and have not been able to access any funds. I can not reach a customer service representative when I call their contact number on the card or get access through the app or online. I 've been trying to access my money for over a week now and do not know what to do.
Product: Credit card or prepaid card

Capital One 's system locked me out of my account despite the fact it was at all times current. In fact I 've made a full payoff at the end of every month without exception. I 've spent the last four days trying to make a payment but the account is locked and nobody at customer service can do anything to fix it. In frustration, I called Capital One 2-4 times per day for four days to get the account unlocked - nothing. After my last call I decided I could only pay by check and then cancel my capital one credit card. 

If I ca n't make a timely payment then I will suffer damage to my credit score. I owe money but capital one is preventing me from making a payment, as absurd as that sounds. The customer service consists of numb people reading from their script unable to actually fix anything. Its a terrible terrible company. 

One person suggested that Capital One does not want the balance paid in full so they can earn additional interest and late fees. Like XXXX XXXX, Capital One appears to be manipulating its payment process to force higher fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX/ILENDINGDIRECT/XXXX XXXX : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XX/XX/XXXX associates account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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

There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and XXXX, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX Resurgent Capitol Services. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity. 
The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- Resurgent Capitol Services. 
Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- capital resurgent services- is attempting without validation or proof. 
Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XX/XX/XXXX- to XXXX via priority- detailing the illegal efforts to collect of an validated debt. Response XX/XX/XXXX- this account has been in question since XX/XX/XXXX. XXXX refuses to report method of validated or methods investigation. 
Yet still reporting to XXXX I have sent certified proof of this fraud and illegal efforts to collect. XXXX denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.
Product: Credit reporting or other personal consumer reports

Equifax is unlawfully reporting the following unauthorized inquiries listed below on my credit report and is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 


XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Dear XXXX XXXX, In reference to Consumer Financial Protection Bureau Complaint No : XXXX, I hereby respond as follows : I hope this email finds you well. I am writing to inform you that PayPal Risk has completed their unauthorized review under the assumption of stolen identity, and I have received the outcome of the case. I am pleased to inform you that the case has been decided in my favor. 

As I have been proven innocent, I would like to kindly request that my PayPal account be fully restored, including the balance that was taken as a second recovery. I assure you that I will now be using my PayPal account from my true location and will not be using any anonymizing proxy service. I am currently in the jurisdiction of the XXXX XXXX, and as such, I am accessing my PayPal account from the corresponding jurisdiction. I am also open to providing my passport for verification purposes. 

Additionally, I would like to inform you that any previous documents received under my PayPal account ( s ) were unauthorized, and I was not the one who submitted them. For your reference, I have attached my valid driver 's license with this complaint. I have also email you on the email provided but I am yet to receive a response, therefore I am making this complaint. 

I appreciate your prompt attention to this matter and your help in restoring my PayPal account. If you require any further information or documentation from me, please do not hesitate to ask. 

Thank you for your assistance. 

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

I went to a car dealership in Texas and the car sales man told me that I may qualify for a discount if I was currently in the military. I told him that I was and showed him my military ID. He stated that he still needed to verify that I was XXXX XXXX and all he needed was my date of birth and my social security number. I later learned that he had the dealership pull my credit report as well as submitted my information to multiple lenders that also ran my credit. I have not done business with any of the below listed companies nor have I ever received and approvals or disclosures. I did not give him or the other companies permission to use my personally identifiable information to run my credit. I have disputed these items with Equifax and XXXX. Both Equifax and XXXX claim that they did an investigation and the inquires are accurate. I am now requesting the strict proof of my authorization to obtain, and share my credit report ( specifically the application for credit dated XX/XX/2022 & XX/XX/2022 ), which was used to verify the accuracy of these inquiries during Equifax and XXXX 's thorough investigation.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX