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

Remove these inquiries, as I have no knowledge of them, and the company did so without my consent.
Product: Credit card or prepaid card

Although I no longer have access to this account, However, the customer service staff at Care Credit gave me the following information. 

I purchased XXXX XXXX from my XXXX ' office, XXXX XXXX XXXX on XX/XX/XXXX, for XXXX. I made generous payments so my balance as of XX/XX/XXXX was XXXX. 

This XX/XX/XXXX- I noticed on my credit report we received from our mortgage company ( much more in-depth ) that there was another charge on the same CareCredit for XXXX. 

I did not make this charge and would like to know where the money was sent. It did not go to my XXXX  's office. I only made this one purchase on this card. The irony is it was paid off in XX/XX/XXXX. 

If you call fraud at CareCredit they say they only have statements 6 months back. If you call customer service who does have access to XX/XX/XXXXthey say you have to call Fraud. Therefore, no one can tell me where the money went. It appears my card was used as a cash advance that I can not understand. And I believe it was my husband XXXX XXXX who did this. I tried to access my CareCredit account online and there was a username saved on the login site that was not mine. It was XXXX. That looks like a social security number. There was no saved PW so I could not log in. Therefore, it would be my IP address which is scary. I would like to know who or what banks made the payments for this second {$4200.00} fraudulent charge ( 1st criminal to pay it back ) and what bank or business received the money? I can not get an answer and need to know who is using my cards and for what purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Credit bureaus on XX/XX/2022 to remove inaccurate names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} ;, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous XXXX XXXX XXXX XXXX XXXX XXXX & I am including it again.,
Product: Debt collection

I am writing to provide additional follow-up regarding my complaint against Portfolio Recovery Associates , LLC ( PRA ) in relation to two disputed accounts they are attempting to collect and report to the credit bureaus.

In their response, PRA acknowledged they purchased two alleged debts from XXXX XXXX and claimed that no further documentation ( such as original signed contracts or full account histories ) is required to validate these debts. This position is inconsistent with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specific Issues : Lack of Original Documentation : PRA has failed to produce a copy of the original signed credit agreements, terms and conditions, or any signed documentation that would confirm my personal liability for these accounts. 
No Itemized Account Histories : They have not provided a complete accounting of how the balances were calculated, including principal, interest, fees, and payments made, which is essential to validate the accuracy of the amounts they claim are due. 
Failure to Prove Chain of Custody : PRA has not provided a clear, documented chain of custody showing how these specific debts, with clear reference to my name and account numbers, were transferred from Capital One to PRA.

Furnishing to Credit Bureaus Without Proper Validation : Despite failing to fully validate these debts, PRA continues to report the accounts to the credit bureaus. Under the FCRA, they are required to ensure all reported information is complete, accurate, and verifiable.

Request for Action I request that the CFPB require PRA to either fully validate these debts ( including providing signed agreements, full account histories, and chain of custody documentation ) or immediately request removal of these accounts from all consumer credit reports.

Further, I request that PRA be investigated for potential violations of both the FDCPA and the FCRA for continuing to report unverifiable information. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has on my Transunion report File # XXXX Date XX/XX/2021 I did not sign or agree to no hard credit been ran by XXXX XXXX XXXX XXXX XXXX XXXX needs to provide my signature in regards to this matter as fraud by XXXX XXXX  Violates Federal Fair Credit Reporting Act or FRCA There needs to be proof showed by XXXX XXXX of this transaction by document not verbal is not legal. I have also filed with US Attorney office as DOJ on consumer complaints to this matter as Fraud on XXXX XXXX XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me 30 days late for XXXX and XXXX. I had made payment arrangements with them for hardship to take money from checking account. Because of this my score dropped 40 points. They assured me this will not happen. That is why I made the payments arrangements. They have me on a 12 month payment plan. They need to update all 3 reports and take the delinquent status off!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : SCC Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 16 81 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY, 15 USC 1681 SETION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITEN INSTRUCTIONS 15 USC 1666 B CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER AS LATE FOR ANY PURPOSE.
Product: Checking or savings account

Got a card in the mail today XX/XX/2024 stating that my contact information has been updated. The card read, Recently, we updated the address for your Wells Fargo accounts in response to your request or a notification we received from United States Postal Service. The reason we sent this postcard to your last address on file is to ensure that in fact you have changed your address ; Your address has been updated on the following accounts : WELLS FARGO XXXX XXXX XXXXXXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX After I received the post card and read the content thereof, I went to the nearest Wells Fargo and show them the card and that I in fact did not open up these cards and asked them to close the accounts and debit cards. So the associate assisted me with that and gave me the information to the Federal Trade Comission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX   assigned Bayview Loan Services to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to Bayview. Bayview, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 
- Personally, I have contacted by phone many times Bayview Loan Services in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with Bayview and either the 3 credit  bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX my Venmo account was completely drained of my balance of XXXX. 

A scammer hacked into my email, pretending to be me and was able to access my funds just by using my first and last name, along with the last 4 digits of my credit card number by looking at past orders of items already purchased in my emails. They were also able to XXXX my routing number from my bank which is public information. 

I have opened numerous tickets, called dozens of times with Venmo and they tell me repeatedly that an account specialist will be looking into my case from 7-10 business days- which is insane to me. I have not heard from their account specialist nor do they have a direct phone number or email address that I can talk to them. 

This has been beyond devastating XXXX and has taken a toll on me XXXX To lose this money is XXXX but also I was the victim of identity theft. I work extremely hard for my money and Venmo made me feel secure that I could keep a balance with them. 

The fact that Venmo accepted someone saying they got a new XXXX and need access to my account and thats all it took for them to give access is absolutely disgusting, nauseating and repulsive to me. I am XXXX 

I even went as far as calling the fraud investigator at XXXX Bank- the bank the money was transferred to so he could physically cancel the transaction on his end, and Venmo couldnt give the full bank account number to him because they had protection. Where is my protection?! Where is my protection of my account and my money?! They protect a fraud, a scammer rather than the actual owner of the account! 

How can someone take actual money from you without having a government issued ID! It is unacceptable!!!!
Product: Mortgage

Im a victim of a Toxic mortgage i have a change of circumstance XXXX Veteran I have medical hardship ocwen failed to apply payment on time putting me in default denying me the a hamp modification relief that i am eligible for lost documents -improper fees preditory lending practices - providing false or misleading reason for denial of Hamp modification
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them to legal liability and penalties.
Product: Checking or savings account

Ally bank holding funds Used electronic means to make a transfer to my savings. Bank holds for up to 3 days! 
Supposed to be available next business day Then they say may be available END of businesses day, WHY??? So they can use it?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act TRANSUNION has violated my rights. 

PUBLISHED ACCOUNT # XXXX XXXX XXXX XXXX  XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX A REAL PERSON AND YOU MUST FOLLOW THE LAW. I would like all of my unauthorized inquiries, personal information and collection accounts DELETED. Many of these accounts fall under the statue of limitations or are misreporting on my consumer report. Please apply these laws to my accounts :? The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S.C. & 1681 ( " FCRA '' ). Please DELETE any and all unauthorized inquiries from my reports as i have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my consumer report or was privy to any of these filings, your inquiry into my credit violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated By Consumer 15 USC 1681 ( c-2 ).
Product: Credit reporting or other personal consumer reports

This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted, Equifax, XXXX, and XXXX about a HIPAA violation, neither initiated a dispute over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute with Equifax to remove two hard inquiries ( made on XX/XX/XXXX and XXXX ) on my credit report that I did not recognize and were not authorized by me. However, their investigation ( returned on XX/XX/XXXX ) did not find an issue with either one. I was able to contact the company that made the hard inquiry on XXXX and they verified, based on the personal information I provided, that it was a fraudulent attempt to open a new line of credit in my name and informed me that they would remove the inquiry from my credit report. As of XX/XX/XXXX, the second hard inquiry on XX/XX/XXXX and fraudulent attempt to open a new credit line in my name hasn't resulted in a new account ( to my knowledge ), but I've been unable to figure out which company address or phone number to contact and verify this and to have the inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX 2018.The information is incorrect. I sold the car on XX/XX//2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Product: Debt collection

Midland Collections was trying to collect on an old XXXX card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. One of the inquiries was done by XXXX XXXX XXXX located at XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX. I call them and left multiple messages, but haven't received call back. These were fraudulent inquiries, as I never tried to buy car online or had any of these companies run my credit.
Product: Mortgage

On XX/XX/2019, a duplicate draft was processed by Specialized Loan Servicing for {$2200.00}.

On XX/XX/2019, I contacted the company to reverse the duplicate draft and I was assured it would only take a few days to process.

Almost 20 days later nothing has been processed and no update is available from the company, they have stolen the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report, with the Federal Trade Commission, against Credit Acceptance for a loan for a vehicle that I do not own. I mailed the letter from FTC disputing the account on XX/XX/2019. The company calls me every day at least 3 times per day, I answer and they hang up without saying anything. They also mailed me a letter dated XX/XX/2019 stating the vehicle would be sold on XX/XX/2019 and to call them to learn the exact amount owed on the account to get the property back.
Product: Credit card or prepaid card

On XX/XX/2021 I tried to use my card to order online it wouldnt take it. Then later that night I tried to purchase food but it declined and theres money on it. Talk about embarrassing. It was working fine earlier that day. Ive never experienced that problem ever. I havent been able to speak to someone directly. Thats just weird! I have bills to pay and I cant even touch my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with several creditors, who reporting missing information to my credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting wrong information to the credit bureau also , which is incorrect. I do not owe them anything. 

Then I have XXXX XXXX XXXX XXXX that had a settlement and paid in full, the credit reporting agencies are refusing to correct it reflecting the correcting information so my credit can improve, however they're their showing a full balance owed which is incorrect on my credit reports. 

Another, XXXX  XXXX XXXX XXXX XXXX where there was a settlement was made and the credit reporting agencies refusing to make changes to reflect that information. 
All information are attacked.