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

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX Experian : XXXX XXXX XXXX XXXX, Tx XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft Under 15 USC 1681c-2A Dear Experian Disputes Department, I am writing to formally dispute and request the blocking and deletion of fraudulent accounts reported under my name and Social Security number. As Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. I invoke my rights under 15 USC 1681c-2A ( the Fair Credit Reporting Act ) to protect my credit file from unauthorized activity. I am promised accuracy on my report based on federal law FCRA ,15 USC 1681 as you can see in your system you cant validate or verify this information so I wish that it all be removed.

Enclosed, I have included the following documentation to support my request : XXXX. A copy of my government-issued ID ( e.g., drivers license ). 
XXXX. Proof of address ( e.g., utility bill or bank statement ). 
XXXX. A copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 


I have identified accounts in my credit report that were opened or accessed without my consent. These accounts include, but XXXXay not be limited to : Pursuant to 15 USC 1681c-2A, I request that Experian : 1. Block and delete all fraudulent accounts identified in my credit report.

2. Prevent any future reporting of these accounts. 
XXXX. Confirm the resolution of this dispute in writing. 

If you need any further information or documentation from me, please contact me at XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit file. 

Sincerely, XXXX XXXX XXXX : Copy of government-issued ID Proof of address FTC Identity Theft Report
Product: Credit card

I have been recently looking to purchase homes vehicles etc and I have been attempting to fox my credit situation. I noticed a collection account from years ago and it does not belong to me. It is {$400.00} from capital XXXX and now owned by midland.
Product: Money transfer, virtual currency, or money service

It was yesterday the XXXX of XX/XX/2023 when I was alerted from my afternoon nap by an email from PayPal saying they have canceled my withdraw to bank and they have limited my account and I won't be able to touch the funds in my account. I have been using my PayPal account since I opened it without any problems a few months now. It is a personal account that I use to receive gifts and withdraw them to bank account, no business of any kind. Since opening I have been receiving payments from one sender every now and then. Yesterday I received a gift amounting to XXXX in my PayPal account from a friend, this makes her a second person to ever send me money in my PayPal account. This money came in 5 transactions to be used for different purposes during XXXX holiday. After withdrawing to my bank that is when paypal, without any reason deciding to cancel the withdraw and limit my account. They asked for three documents, I submitted two waiting to get the third document next week because I don't have it handy. Then I saw that paypal has permanently suspended my account and held back all the money. In this case, I didn't commit any fraud, there are no suspicious transactions and nothing at all. I have contacted them throughout but they have been rude, unhelpful and they are using racist and renegade artificial intelligence to block accounts without any problems. If you investigate, you will find that I'm saying the truth. I'm here to seek help from this behavior and they should reopen my account without further discussions because I did nothing wrong.
Product: Credit reporting or other personal consumer reports

A hard credit inquiry was REMOVED on XX/XX/year>, but it DROPPED my credit score by XXXX points. This should not have made my score drop. The company wont help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a {$1200.00} balance for {$600.00} with XXXX in XXXX. I have attached a copy of that payment from my checking account. In XXXX I disputed the {$1200.00} balance still showing on the file and Equifax 's response was " disputed meets FCRA requirements ''. How can it meet requirements if I settled it? They either did n't bother to send it to XXXX to verify XXXX XXXX XXXX XXXX took my money and left the balance. This is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identity thefted, I sent all reports and XXXX refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving rhe refused to help me after a thousand disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a hundred times. The yve called me a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a XXXX XXXX customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( TransUnion, XXXX, and XXXX ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with XXXX XXXX too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with XXXX XXXX. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with XXXX XXXX. 
I have been satisfied customer in the past and hope to continue a long relationship with XXXX XXXX, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My wife and I currently have several credit cards and an auto loan with Capital One. Ever since Capital One acquired the Walmart credit card account from XXXX XXXX, they stopped offering customers lower interest rate promotions which has made this extremely difficult for their customers. Since we have been significantly impacted by COVID-19, on XX/XX/XXXX, on the date of my due date, my wife and I spoke with a Senior CSR, XXXX who was very friendly and helpful with our present financial hardship. I had scheduled a payment of {$60.00} and XXXX was able to cancel it for us. She advised that Capital One is offering the minimum payment waived for their customers that have been impacted by the virus. She did advise that the reps are updating customers manually and that I might see a late fee which would be credited. Today I checked my balance online, my Walmart Rewards credit card was updated to show the minimum payment was waived however, my Platinum Mastercard was not. My issues began on XX/XX/XXXX, when I used my credit card to buy essential supplies and went over {$8.00}. I immediately made a payment of {$10.00}. Then on XX/XX/XXXX, a late fee of {$25.00} and {$50.00} interest charge was applied causing my account to go over the credit limit again. Fast forward to today, I received a notification from XXXX that this creditor reported to the credit bureau, that my account is over its credit limit. My wife and I have been loyal customers for over 2 years, and have never experienced this type of hardship until now. We are disturbed that my Platinum Mastercard 's minimum payment was not waived as requested and that now my credit score has dropped 10 points due to human error.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i called all XXXX XXXX, XXXX, Experian because my address is incorrect on my credit reports. It shows XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX instead of XXXXXXXX XXXX XXXX XXXX XXXX, Ar XXXX. Please correct this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Vehicle loan or lease

This is my formal dispute against Toyota Motor Credit Corporation for its false and inaccurate reporting of late payments for XX/XX/year> on both XXXX and XXXX. This reckless misreporting is a blatant violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information, and 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy. Your failure to correct this error after repeated disputes is an outright violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Furthermore, your noncompliance with 12 U.S.C. 5531which prohibits unfair, deceptive, and abusive acts or practices ( UDAAPs ) demonstrates a clear disregard for federal consumer protection laws. I have never missed a payment, and Toyota 's willful negligence in reporting false late payments has directly harmed my credit, and financial standing, and caused undue distress. Your failure to fulfill your legal obligations under FCRA 1681s-2 ( b ), which mandates proper investigation and correction of inaccurate reporting, is unacceptable.
Product: Credit reporting or other personal consumer reports

It has been over 4 business days and Equifax, XXXX, and XXXX continue to willfully not comply with section 605b. I am not requesting the blocks and deletions of these accounts in error. There is no material misrepresentation and I have not benefited from these open accounts. I have originally created this dispute to multiple addresses being on my report and my belief that my information was being misused and shared. This has lead to multiple unrecognized accounts that I am requesting to be blocked and deleted. Please stop this behavior that is damaging my personal life as a consumer.
Product: Money transfer, virtual currency, or money service

Lost {$160.00} from the transaction I sent needed it refunded to my fianc he gave me the money for this transfer and the company wo n't refund us
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

XXXX deleted this inaccurate account from my reports. XXXX and Equifax is also reporting multiple inaccuracies on my reports. XXXX is reporting last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. They are both reporting XXXX different last payment dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. 

Furthermore, isn't XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

This account needs to be deleted from my reports now!
Product: Checking or savings account

When I opened an account with TD Bank in New York, I was automatically enrolled in an " overdraft protection '' loan account to cover my checking account. Unfortunately, I wasn't aware of the fee structure and how it changed over time, and it certainly was not clearly explained to me either. I was under the impression that I would be charged fees for using the service, and I didn't realize that the account had a fee of {$25.00} / year in addition to that. I did not know about this {$25.00} / year fee, and when I discussed with the bank, they claim that I have signed an agreement which has the fees. Had I known about this fee structure, I would never have signed up for this account. My account was accidentally overdrawn in XXXX, but I have not needed overdraft services since. Knowing what I know today, I would actually prefer to not use " overdraft protection '' at all, and instead just allow the bank to decline transactions if they exceed my account limits. 

Over the last four years, I have received several letters from TD Bank about a balance I owed. It took several calls to TD Bank to understand the letters were about, because some other banking associates who helped on the phone did not know anything about the letter I had received. I kept ignoring these assuming it was some kind of bank error, especially since I had called and tried to clarify without a clear actionable response. 

However, I decided to call again on XX/XX/XXXX when I received a letter from TD Bank in early XXXX ( letter is dated XX/XX/XXXX ). I finally spoke with someone who understood what the fees were and was able to transfer me to the loans department. I asked the agent to remove the fees so that I can close the " overdraft protection '' account. I was informed that the request to remove fees would take approximately 5 business days and that I should call back to see if the fees are removed and I can proceed with getting the removal of overdraft protection started. When I followed up on XX/XX/XXXX, I was informed that the bank is unwilling to remove these fees and will not allow me to close this account unless the {$100.00} worth of fees is paid. The worst part about all this is that TD Bank has made it exceptionally difficult to close the " overdraft protection '' account, so addressing the fees issue is only step 1 for me. 

I would love to get some help with this matter, because from my perspective - this is akin to a ransom. Now that I understand what the fees are after accumulating them for four years, I realize that the " overdraft protection '' is more predatory for the consumer than protective. I am happy to provide additional information in followups since I realize this message may get published to a wide audience.
Product: Credit reporting or other personal consumer reports

Experian states that account is incorrect but refuses to remove it. Please see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to request my report from XXXX, XXXX, XXXX, and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX and XXXX XXXX are unfounded items I have no responsibility for.
Product: Mortgage

Got behind on mortgage payments due to paying my daughters tuition and her father my exhusband was late repaying me the funds. He switched jobs and my child support payments were delayed. This caused a domino effect request a modifications and my payment went from {$1400.00} to {$2200.00}. I made the first payment in XX/XX/XXXX the bank took {$740.00} and paid my insurance and {$1300.00} and then stated I did n't meet the payment plan and put me into active Forecloure. Spoke with XXXX this evening in Wells Fargo Home Preservation and he advised he does not understand how the plan was broken because he can see the payment. He advised he would send a note to XXXX XXXX because he is my Preservation specialist and would be able to give me greater detail on Monday. The letter dated XX/XX/XXXX advised I needed to pay {$780.00} to complete a full payment. I received this letter today. When I called the Wells Fargo today the Foreclosure department advised my loan went into Active Foreclosure on XX/XX/XXXX and they are waiting on a sale date. No offer to assist or help me save my home. They just increased my payments to make it unaffordable so I can loose my home when I have told them repeatedly that my intentions are to save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX