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

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit card or prepaid card

For a while now I have been getting a bill in the mail for a credit card that I never applied to receive. I have spoke numerous times to customer service to please close this card. They told me that there have never been any transactions on this card nor was it ever used. 

They have charged me late fees and other fees totaling roughly XXXX. None of these were due to somebody using the card for purchases. If I need to file a police report and contact my lawyers regarding this situation, that is my next step. 

My credit has suffered due to somebody fraudulently opening this account. The bills on this account were ignored early on due to the fact my wife and I have multiple credit cards. It was not until we evaluated the card and bill, that we realized this is not XXXX of the cards we applied for. 

Please help me address this situation.
Product: Credit reporting or other personal consumer reports

I Have Inaccurate Information on my credit reports due to identity fraud and would like the accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that I had a late payment with XXXX XXXX  when I contacted XXXX XXXX  they admitted that they made a mistake when they purchased XXXX XXXX  and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX  XXXX are being deducted from my XXXX account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX XXXX representative and they all admitted that the XXXX had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX XXXX XXXX XXXX XXXX who also admitted that the XXXX had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX 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 has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX : Immediate Release of Funds Unjustified Hold on {$3000.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX* To Whom It May Concern, I am filing this complaint regarding an unjustified hold placed on a payment of {$3000.00} made to my PayPal account. This payment was authorized by the customer for XXXX XXXX and both the customer and their sister, who owns the debit/credit card used, have provided authorization. I have attached copies of both the customers and their sisters ID as evidence of authorization, which should have been sufficient to clear this transaction immediately. 

Initially, PayPal stated that the funds would be held for 24 hours for review to verify authorization. Despite this, more than 24 hours have passed, and now I am being told that the funds will be held for 21 days. This is both unprofessional and unreasonable, especially considering that the XXXX XXXX XXXX is scheduled for next week. I can not perform this service without being paid upfront. 

The transaction was fully authorized by both parties involved, and the customer has confirmed that the funds were deducted from their account. There is no legitimate reason for PayPal to continue holding my money. Your teams failure to thoroughly review this matter and promptly release the payment is not only obstructive to my business but also in violation of fair business practices. 

As this hold directly impacts my ability to provide services, I am demanding that PayPal release the {$3000.00} payment **immediately**. Should this issue not be resolved without further delay, I will have no choice but to pursue legal action to recover my funds and any related damages. 

This situation is unacceptable, and I expect an expedited resolution. Please take a look at the attachments. 

Sincerely, XXXX XXXX Paypal email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX
Product: Money transfer, virtual currency, or money service

I purchased a watch online from a vendor who purported to be an online watch dealer. I was defrauded out of {$4300.00}. I've already filed a XXXX  on the seller. Attached is the police report that details the transaction
Product: Payday loan

Collections agency was giving the wrong information from the payday loan company about how have the transaction was issue. and the date was inaccurate there was no transaction issued on those dates. After sending bank statements of how transactions was issued and paid back through my bank account. XXXX investigated and sent the results back stating that this account have been deleted from my credit file. I 'm asking for the same results from the other credit bureaus XXXX and XXXX to delete this account that been giving the wrong dates and information to them. Account # XXXX. Asking XXXX to notify all credit Bureaus of this result immediately as XX/XX/2016.
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX ( XXXX ) to XXXXXXXX XXXX  some time in XXXX or XXXX of 2023. I was never contacted or informed of this sale. I had my mortgage loan payment set up with XXXX for auto draft so I would never miss a payment. 

It was not until XXXX that I received loan collection calls for delinquent mortgage payments. I was not properly informed of the transfer of mortgage companies. Furthermore I was sent to collection and never informed what payments I owed in back pay and was essentially extorted for ( 4 ) full mortgage payments totaling {$6500.00} in a 30 day period ( XXXX - XXXX ). This was a large sum of money that I suddenly was forced to compensate for all at once. I feel like this was an extremely predatory move by XXXX XXXX XXXX and extremely damaging to my years of excellent credit that was built up. I made several attempts to access my loan online to resolve the matter but was repeatedly locked out ( XX/XX/XXXX & XX/XX/XXXX )
Product: Debt collection

Medicredit has been abusive and unfair in there debt collection practices for the account that was assigned to them by XXXX XXXX XXXX XXXX. I have been trying to resolve this problem for over 8 months, but this company has been uncooperative and deceptive. Recently, they decided to increase the balance on my credit report by reporting a balance owed on XX/XX/2020 of {$1500.00}, which is a 100 % increase of the original balance of {$750.00}. There was no explanation, no correspondence or proper notification of this balance increase. 

The problem? This account was paid in full to XXXX XXXX XXXX  on XX/XX/2020, of which I am attaching proof to this complaint. Frankly, I am beyond frustrated, as this was the last straw of the the damage I will allow medicredit to continue to perpetrate to my credit score. I have advised them on several occasions of my dispute of there credit reporting, based on the fact that I never received the first dunning notice as required by the FDCPA. Should I have received this notice, I would have exercised my rights to pay this debt or dispute it within the first 30 days, thus preventing any credit reporting from ever happening. 

Eventually, I contacted the billing manager of XXXX XXXX XXXX and paid the bill. Why is Medicredit still reporting a balance, and even worse, an increased balance? Is this in retaliation to me paying medicredit directly? This is just gross negligence and willfull intent to damage me. They have violated several consumer protection laws, willfully - and continue to injure me long after the debt has been resolved in full by reporting not just a balance, but an increased balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries : XXXX  Date of Inquiry XX/XX/2021
Product: Debt collection

Credence is attempting to collect a {$670.00} debt from XXXX XXXX. I was receiving XXXX XXXX service from XX/XX/2018 until XX/XX/2018. The service was so terrible that I terminated early. I was not receiving the channels that I was paying for and was not receiving reception on a regular basis. Due to not receiving the service that I was paying for, I cancelled. I made multiple calls to XXXX to rectify the issue. I was met with long hold times, told to call back or hung up on by XXXX 's service team. Scheduled service calls resulted in my missing work for technicians that never appeared. Due to this, I stopped service. XXXX then tried to charge {$670.00} for terminating early. I did not receive the service I was paying for and had no choice but to terminate the contract. This debt should not be owed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Transunion XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax Names that are not my name and I dont identify with that have been reported based off my family lineage but not my name please remove from my report. 

XXXX XXXX My name should appear on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Experian Names that are not my name and I dont identify with that have been reported based off my family lineage but not my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should appear on my credit report as XXXX XXXX XXXX Addresses 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, FL XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Product: Credit card or prepaid card

Around the date of XXXX, XXXX I was having problems using my IOWA Way2Go Card. I spoke with a representative. He asked me about all my personal Information, Even asked for my social, Full name and my personal Phone number, I don't remember his name but he told me after I gave him my " Primary '' phone number on file ... That phone number was incorrect. So then he told me since he couldn't go in the system to fix that information. I would have to Send him a Picture of the front and back of my " ID '' with what type of prepaid card I have And also send my case number XXXX he gave me. So I sent all that information to the e-mail " XXXX '' The representative told me once I send that information I should be expecting a email " VERIFICATION '' awaring me to wait over 24hrs or 48 business hours to see If my information have been expected or not. It has been over 48hours I haven't heard from any representative or The Fraud Services. I would just like to get the right information and know what are the next steps and what activities are going on with my account. 

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

Account of XXXX was delete from the credit report in XX/XX/XXXX and re appears in XX/XX/XXXX. 

I dont recognized the Inuiries of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TD Bank Mortgage Complaint I made my mortgage payment on XX/XX/XXXX for the XX/XX/XXXX payment prior to the end of the month to satisfy payment prior to being made before the end of the month. 

Due to this being a Saturday and a banking holiday on XX/XX/XXXX and XX/XX/XXXX being a Sunday TD Bank did not withdraw the payment and consider the payment made until XX/XX/XXXX. 

I attempted to discuss this with TD as well as submitting an electronic dispute of the credit delinquency and have not been able to rectify this with TD Bank directly
Product: Mortgage

My first loan that was serviced through Cardinal was loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We refinanced some time around XX/XX/XXXX to our current loan numbered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both my first and second loans were accompanied by an escrow account to take care of taxes and insurance. I received a letter from my county tax office that my taxes had not been paid towards the end of XX/XX/XXXX and immediately contacted Cardinal. I talked with several people in Cardinals escrow department and they all gave me different answers on how to handle this situation. Answers varied from that I needed to pay them myself and I would be refunded the late fees that were charged, to Cardinal will take care of it but my monthly payment will go up because of this. I waited for several weeks to receive contact from Cardinal on how this issue would be resolved and did not hear anything. I again made calls to talk with representatives and was told to go ahead and pay the taxes on my own. On XX/XX/XXXX I paid off the taxes and the late fees before any additional fees would be added. To pay the taxes and late fees I used money that sits in an interest accruing account that is designated as my family 's emergency fund. On XX/XX/XXXX around XXXX I called Cardinal and this time asked to speak to a manager. She explained to me that the taxes and late fees would have been taken care of if I hadn't asked for my escrow account to be closed. She did slip up and say that the order had been placed and was pending to have the taxes/late fees paid ( which was never made clear to me ) but since the escrow account was requested to be closed they are no longer liable to pay the fees. If the order was in for this to be taken care of and the fees covered why can I not be reimbursed for the late fees that I paid? From the beginning I was given different answers on how to resolve this issue. Having unpaid taxes was not only embarrassing but a nuisance for my family and I. I have seen numerous complaints on the XXXX XXXX XXXX website that this has become a common occurrence. I would like to be reimbursed for the fees that were added to my property taxes. The amount due in XXXX was {$4400.00} and the amount I had to pay was {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # :XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation. 


DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$5700.00} because they are reporting the same account number for both accounts. XXXX {$11000.00} '' DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} '' because they are reporting the same account number for both accounts. XXXX {$5700.00}. 



XXXX Vs Experian. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account. 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!
Product: Debt collection

What adds an extra layer of bewilderment to this situation is the claim by your bureau that the fraudulent account has been verified. I find myself questioning the very fabric of reality, wondering how such verification could occur when I, the purported account holder, have absolutely no connection or binding with the said account. It's like claiming to have seen a unicorn in the backyard ; it simply defies the realms of logic. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I want to reiterate, in no uncertain terms, that this fraudulent account must be removed from my credit report immediately. It was disputed on the grounds of being unauthorized and fraudulent, and the lack of resolution or communication from your bureau has only intensified my frustration. It is baffling and somewhat surreal that, despite my assertions and the mandatory XXXX window stipulated by the Fair Credit Reporting Act ( FCRA ), there has been no resolution to this dispute, nor has there been any indication that your bureau has undertaken a thorough investigation into its legitimacy. 
XXXX XXXX  XXXX -PLEASE DELETE!!! 
XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
The failure to resolve this matter within the mandated timeframe is a clear violation of my rights as a consumer, and I will not tolerate the continued reporting of inaccurate and fraudulent information that tarnishes my creditworthiness.