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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear XXXX, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. 

I kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company, Select Portfolio Services or SPS, purchase my mortgage from the bank who give me the original loan. Since day 1 problems arise. They send me the loan information from others borrowers as they state I was one of them. The letters they send me contain personal information and loan numbers of those people. I assume mine was also send to who knows who. 
It was very difficult for me to make the SPS employees to understand that I was not any of those people, also to find and correct my name, address and my real loan number. Besides they corrected my info on the following month they charge me the loan of unknown person plus my own loan. They took 5 seconds to debit that money out of my account but 5 days to return my money after I finally prove them that I was not a woman in Texas and that they charge me the loan of another person unknown to me. 
Now, and this is my problem and the reason of this complain, they do not pay the City Taxes on XX/XX/2023, they have an escrow account with enough money to do it. City threat me with put a lien on the property, sending me a letter with unpaid balance. I call SPS one more time to try to resolve this new issue. I spoke several times with multiples employees and supervisors, always the answer was : we escalate your problem, but they never send any payment to the city. I ended paying the taxes from my pocket. {$3000.00} extra to avoid the lien on the property. After I spoke with another SPS supervisor, he assures me they send a check to the city. He actually gives me a tracking number for the check to the city but the check never leaves SPS office, as I call XXXX multiples times to verified, XXXX state that the label was created but the package never leaves the SPS office. 
After one more call and another conversation with other supervisor he states that they saw online that taxes were pay, they assume the issue it was resolved but it was me who pay, no SPS. I spoke with another supervisor and explain this. He says he understood and they will return the money back to me, one more time he escalates the problem but I never receive any money back or the city receive any check. I request them to cancel the escrow and return my money as I will take care of taxes and insurance myself to avoid any confrontation with the City. I fallow all requirements and send all paperwork requested by SPS but one more time they escalate the problem but nothing happen. At this point I decide to no pay them anymore the mortgage. Now they call me every day asking for payment but they never pay the city or return my escrow so I will not pay anything till this problem get resolved. Please help, this is very frustrating as I can't do anything on my end, they are going to damage my credit or maybe they are trying to get the property with this dirty game. Another problem is that this month taxes must be pay to city again and if they do not pay it one more time, I will have to pay it myself one more time. 
Please Help Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I verified my checking account with Square in order to receive a payment from an invoice I sent out using their products. After a week of not being able to transfer out the funds, I called Square support and was told that my account, which had always been in good standing, was deactivated and my issue would be escalated to Account Services and that I would receive a call back in 24 hours. I never received a notification of account deactivation and I never received a call back. 

I called in every single week from then forward and got the same response until Thursday XX/XX/XXXX when a rep named XXXX recognized an issue on the Square side and would escalate my issue again. She continued to email me that Account Services had not responded until I emailed again on XXXX for an update and recieved a boilerplate response from Account Services that my account had been deactivated. Who would have thought?! I still have not received any information on the funds that are trapped in the account and feel I have run out of resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXX  XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$830.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible. In case you hold the belief that the contested items are rightfully mine, I request that you furnish me with copies of the supporting documents for your claims. If no such documents exist, it is imperative that you promptly remove the fraudulent items.
Product: Money transfer, virtual currency, or money service

I tried to Zelle a friend money and they never received it and Zelle took it out my account and said they dont know what happen to the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 18 months I have been disputing with Equifax Inc., the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Equifax Inc. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Equifax Inc. added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported for same account as XXXX XXXX XXXX for XXXX XXXX I also told Equifax Inc. to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My last certified letter that I sent Equifax was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me. 

Also Equifax Inc. has taken off accounts that belongs to me, I 'm demanding those accounts back on my account which is as followed : XXXX XXXX XXXX XXXX
Product: Debt collection

There is a debt on my credit report for National Credit Systems for {$870.00}. The collection was first opened XX/XX/XXXX. I wrote multiple reports stating that I was a victim of fraud and did not have any knowledge of the account. I called the agency and was told my collection was turned over to a lawyer in GA. I lived in PA all my life. I never received anything at all stating that I was being sued possibly. I never received a response. On XX/XX/XXXX, the collection was removed ( from XXXX ) after my several attempts of dispute. A couple weeks later, it was no notification of reinsertion. Sometime in XX/XX/XXXX, the same collection was removed from my XXXX report. It was reinserted without notification on XX/XX/XXXX. Then, after several disputes once again it was removed from XXXX, XX/XX/XXXX. Then, it was reinserted without notification once again on XX/XX/XXXX. According to the FCRA, the consumer reporting agency is REQUIRED TO SEND THE CONSUMER WRITTEN NOTIFICATION 5 BUSINESS DAYS THAT THE INFORMATION HAS BEEN REINSERTED ON YOUR ACCOUNT, IF NOT THE ACCOUNT HAS TO BE DELETED. The agency never VALIDATED my account. This a violation of my rights. If this is not removed FROM ALL BUREUAS, I will have to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform Transunion that they are breaking the law by reporting this bankruptcy on my credit report. 1. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. 2. you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 
1. Name of the person you contacted, business address, and telephone numbers so that I may follow up.

2. How did you contact the furnisher and verify my information?

3. What paperwork you used to verify my information? 
I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. 
Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.
Product: Money transfer, virtual currency, or money service

I have a crypto currency account with Coinbase. On XX/XX/2021 I was on my account. I check my account monthly. The following day XX/XX/2021, my son informed me that the currency I owned, XXXX was up 20 %. I went into my account and all the funds ( {$1200.00}. ) were transfered out to an account that wasn't even listed on my transferable account list. The only account listed to send withdrawls to was my XXXX XXXX checking account. This may not seem like a lot of money but my wife and I are eldery and exist on Social Security and a very small pension. We would take money out of the account to aid with medical, food and mortgage payments. It's a big deal. I called Coinbase. It took over an hour to get someone on the phone and another thirty minutes for them to secure my account. They asked ME a myriad of questions before they would even discuss the problem. The representative stated the complaint would be forwarded to security. Long story short. I went back and forth with them for two weeks before I was even allowed back on my site. They stated they were not responsible for transactions. What happened was a suspicous transaction and they did nothing. I think they have no or very little security protocols in place. A class action suit should be filed against them, as there are numerous others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

The debt was from XXXX, XXXX which said that I owe {$870.00} to XXXX service at an address I never lived. I sent a letter to XXXX XXXX, XXXX. enclosing all the information that they asked for which included an XXXX bill, a copy of my social security card, my driver license and a police report. So for two years everything was fine. Then XX/XX/XXXX I started to get Collection notices from CCS USA CREDIT COLLECTION SERVICES. I called them and they were very rude and said that I owe this money and that the service was for address that I currently live at which is not true. The services was at a different address. I spoke to a man named XXXX who said he would call me back the next day of which he did not. I waited another month and called again and was told the same thing. To this date there has been no action done and it is still sitting on my credit report. It is the only negative entry on my credit report. I am XXXX years and I have never had a negative entry on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting

Transunion is constantly adjusting my credit score based on wrong information. I am not 30 days behind on my mortgage and the last report date they have of my mortgage payment is is XXXX 2016. They lowered my score XXXX points for the third time and after the company reported I am not 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, XXXX XXXX, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on XXXX. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent a communication to CAPITAL ONE, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( CAPITAL ONE AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notifications of 2 hard inquiries of my credit report without my authorization.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. SOC SEC number XXXX ODB XX/XX/XXXX A report by TELERECOVERY Date Opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. Balance {$410.00} One other account by TELERECOVERY Two Accounts by XXXX  XXXX XXXX  Theses item as matters are as collectable and valid items on my report is disputed. It is not accurate and the alleged debts are uncontrollable in Louisiana law and a violation of federal law under the fair debt collection practice law. The file are inaccurate as all have prescribed and uncontrollable. See Louisiana Consumer Credit Law, Violation of LSA R.S. 9:3552 ( E ) 60 days of final payment of consumer credit contract or 1 year for revolving loan or charge account. 

Open account, Action on LSA C.C. 3494 ( 4 ) prescribes after 3 years The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ). 


I am requesting that the items be removed to reflect correct the information. 

Please re investigate this matter and delete the disputed item as required by law as soon as possible. 

Sincerely, XXXX XXXX The below deft has always been disputed - they called me at work repeatedly - the debt is uncollectable as it has prescribed under Louisiana law and is still on my credit report and has harmed me in my attempts to get a loan and insurnace rating cor car insurance. similar debts have been removed this one hasd not disptep MONTHS of efforst to resolve this matter TELERECOVERY Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX