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

XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish ( {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...
Product: Debt collection

COMPANY SENT DEMAND NOTICE ACCOUNT OUTDATED / CLOSED OVER 11YRS AGO AND FRAUD AFFIDAVIT FILED WITH ORIGINAL CREDITOR ON ABOT XXXX/2007 ... COMPANY CONTINUE VIOLATES FCRA, FCBA, FDCPA ( 1692g ), STATE STATUE OF LIMITATION EXPIRED ; 5YRS TO COLLECT WITH IN THE STATE OF GEORGIA.. NOT MY ACCOUNT/ NEVER DONE BUSINESS WITH SAID CREDITOR ... /NOTE : FORMAL COMPLIANT FILED WITH " BBB '' AND POLICE REPORT
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove it from my credit report.
Product: Debt collection

While reviewing my credit report, I noticed one account ( only on XXXX ) indicated in collections. The company is : DOCTORS BUSINESS BUREAU. I completed an on-line search and located this company in XXXX XXXX, FL. I have called the listed numbers on the website of this company numerous times and contact has been unsuccessful to date. This is indicating date opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ). To date, I have not received any notices and this collection is only showing on XXXX and not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to XXXX, Experian, and XXXX so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.
Product: Credit reporting, credit repair services, 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 U.S.C 1681.

Account ( s ) : # XXXX, # XXXX, # XXXX, XXXX 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.

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 more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Please comply with the Fair Credit Reporting Act and have the disputed accounts corrected as soon as possible.
Product: Money transfer, virtual currency, or money service

i opened my paypal account and them i received my direct deposit. 
after that paypal put a temporaly limitation in my account and ask me for my document. 
my account was verify with my personal information and i did not have any fraud transaction or chargeback. 
i only receive my XXXX dollar and i couldnt have access to use my money. 
I try to resolve the problem with the company but nothing is work right now. 

i wish paypal tell me when they are help me to get my money fron my account. 
i need my money. 

my email addres is XXXX.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX/XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.000
Product: Mortgage

My house in Arizona was foreclosed on with XXXX and was supposedly sold and foreclosed on back in XXXX 2016 of this year per XXXX and the gentlemen that purchased it came over and said he bought it- now I am getting a bill from a place call Shell point Mortgage Servicing with the full balance owed like I owe money to them now for the mortgage. How can I owe money to another mortgage place when it was purchased by someone else at an auction foreclosure and I no longer own the home? XXXX and this Shellpoint has been playing games with me and telling me that I know longer own the home and the person that bought it will be the one that is on Shellpoint mortgage but instead they have put my name on a house I no longer own
Product: Credit reporting or other personal consumer reports

I was the victim of identity, theft, and due to the identity theft the fraudulent activity on my credit report has caused hard times for me and my family. 

I have attempted to fix the fraudulent credit inquiries in my credit with no help. I have filed a police report a Federal Trade Commission affidavit of identity theft, I have provided proof of address, proof of identity to EquifaxExperian and Trans Union along with my FTC affidavit I have also requested an investigation into these fraudulent items.

I have disputed these fraudulent inquiries with Equifax, Trans Union and Experian, and all 3 do not investigate the fraudulent inquiries even when I submit proper documentation.. My request are always ignored even after I gave them proper documentation. This is my final attempt to get these items removed from my credit report before I seek an attorney and sue them I fill these credit bureaus do not care about the consumer and conduct Sham investigations. 

Credit inquiery XXXX XXXX, 2024 XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, WI XXXX my dispute is with Experian, Trans Union and Equifax, who has ignored my disputes, even though I have given them copies of required documentation to dispute these unauthorized fraudulent credit inquiries federal law requires that they act in accordance with the federal law concerning fraudulent activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some inquiries in my credit file witch is not done by me details are below XXXX ( Bank ) XXXX XXXX, 2022 XXXX XXXX ( Bank ) XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX Bank ) XXXX XXXX, 2022 XXXX XXXX ( Miscellaneous ) XXXX XXXX, 2022 XXXX XXXX ( Bank XXXX XXXX XXXX, 2022 XXXX XXXX ( Miscellaneous XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX ( Bank ) XXXX XXXX, 2022 CREDCO  XXXX XXXX, 2022 XXXX XXXX XX/XX/ 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX  XX/XX/ 2022 2022
Product: Checking or savings account

on XX/XX/19 I flew out to XXXX to visit my mother. While at the airport I made some purchases using my debit card from Bank Of America. I made one purchase at a XXXX vending machine for {$20.00} and another one at XXXX XXXX for {$8.00}. After I finished my meal I left the airport, got picked up and went home with my mom. When I got back to XXXX on XX/XX/XXXX I noticed that there had been multiple cash withdrawals in my account for about {$1000.00} dollars that I did not make since these transactions had been made in XXXX. I quickly got a hold of the bank of America and I initiated a claim. I advised them that I have not been to XXXX and that I did not make these transactions, but I never heard back from them until today XX/XX/19 that I called to get an update to later find out that my claim had been denied. I explained to them that I had lost my wallet at the airport and that the pin number to the card it is my date of birth which is on my ID that was also in my wallet & that my debit card has the pin written on small font on the back of the card. However, they told me that there was nothing that they can do to help. They are seeing these transactions as valid and are refusing to help me. 

My claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Removal of items because of identity theft
Product: Debt collection

XXXX has sent me to collections and have conveniently deleted/lost all the notes regarding my account. When I contacted the collection agency they say that XXXX will not allow them to have a copy of the notes to my account and thus ca n't give them to me either. 

I had thought I closed my account back in XXXX XXXX because I was getting another phone through my work. I was told my phone had been paid through the EIP program. I moved in XXXX XXXX to a different address and had all mail forwarded for 6 months but did not receive notification of collections. 

Even worse, the charges are {$790.00}, even though my phone was paid for and I had not used my phone since XXXX XXXX. No one at XXXX can tell me what the charges are as well as the collections agency it was sold to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance {$0.00} - Your records are currently reflecting a past due balance, this account has been closed and charged off and should not be showing any balance. Delete account for violation. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting on my credit profile a " FP '' from XXXX credit these account should show as closed and included in a chapter XXXX however they keep reporting as I owe this and it is a failure to pay
Product: Debt collection

On XX/XX/XXXX I ordered my credit report, and looked through it thoroughly. I was shocked to learn I had several collection accounts listed on my credit report. I decided to reach out to the collection agencies for clarification on the alleged debt they insisted I owed. Unsatisfied with the outcome from speaking with the collection agency, I decided to reach out to the original creditors. It was then I learned in great detail about the alleged debt, details I either could not get from the collection agencies or when I did receive information from them was totally inaccurate. It was then the discrepancies became apparent, these discrepancies I will list below. 

I C System is listed on my credit report as the collection agency for XXXX, XXXX merged with XXXX on XX/XX/XXXX. I called XXXX for clarification of the alleged debt I C Systems listed on my credit report in the amount of {$1200.00}. XXXX had no recollection of the debt with I C System. XXXX however has another collection agency XXXX XXXX XXXX ( I wrote a separate complaint for this collection agency ) collecting the alleged debt on behalf of XXXX ( which is now XXXX ) in a different amount of {$460.00}. How can two ( 2 ) different collection agency attempt to collect an alleged debt for the same creditor in two ( 2 ) different amounts? I have had the same phone number for at XXXX years, In addition to this according to XXXX, as evidence by the recorded conversation I attached to this complaint. I C System is Re-aging this fraudulent account. ( IC Systems should not be attempting to collect according to XXXX, as they are NOT the collection agency who is in possession of the debt ). XXXX  Date of last activity is XX/XX/XXXX ( as evident by the recorded phone conversation with XXXX  ) On my credit report I C Systems has the date of last activity as XX/XX/XXXX on XXXX and XXXX XXXX XXXX XXXX. This is a grave injustice and totally illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.
Product: Vehicle loan or lease

We leased for 39 months a new XXXX XXXX  XXXX. The vehicle performed well, except we had to take it back numerous times to get an air leak fixed on the passenger side front door. Our lease was up XX/XX/XXXX. The Auto Vin inspector sent by XXXX  came out, ( inspection # XXXX ) and during the inspection, we were informed our vehicle had been wrecked and repaired. Damage was done on the passenger side front door, rear door, and rear fender. In fact the inspector said the paint job was not up to XXXX  standards. The inspector told us we would have to pay for the repairs, even though we informed him we had not wrecked the vehicle. When the inspector left, I called XXXX XXXX XXXX  in XXXX Florida, where we leased the car. After about a 2 hour delay, I had a call from the manager of XXXX  in XXXX, who stated we would not have to pay for the repair, however, we were not offered any additional compensation for being sold a wrecked vehicle. After further research we discovered XXXX XXXX owned XXXX  dealerships in four states. We called Mr. XXXX, but initially got to speak to his son XXXX XXXX, who took our information and stated he would get back to us on thiS fraud. We did not hear back from him, even though we called hIm numerous times. We have since discussed this with an attorney, who indicated that we should at first try to handle this through Porsche  Corporate. We contacted Porsche  corporate who agreed to contact XXXX XXXX and coordinate a settlement. This went on for a while. But we were never contacted by the XXXX XXXX group. We actually went by the dealership located in XXXX, Fl. To meet with the general manager. He refused to meet with us and we were told to contact their attorney. They would not give us contact information. 

The VIN number WP= XXXX Leased : XXXX XXXX XXXX
Product: Credit card

This is a follow up to case # XXXX XXXX XXXX 2016 I am attaching XXXX docs from Citibank dated XXXX XXXX, 2016, these arrives in an envelope in XXXX 2016 with no postmark on the envelope. I assume this is another tactic by Citibank to set false settlement deadlines that can not be met because of how 1st class business mail is processed. The first doc says my hardship request ( they offered last year ) has been denied. In view this is another ant-consumer tactic designed to look genuine ( offer reduced interest and lower principal payments ) then when you apply it is denied. The second doc is an'offer ' for a settlement due to be paid in XXXX 2016, which if they accept the basis of my hardship ( reduced monthly income due to delay of Veterans XXXX pension ) - clearly with reduced income I have no ability to make a lump sum payment. So this is a non offer. What is the next step for me to take? I want to resume making reduced payments and avoid having my credit rating further damaged by the consequences of the delay in getting my deceased husbands final pension disbursement from the VA in XXXX. Thank you and I hope this helps other Veteran families coping with the delay of their XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and sent Transunion a Id theft report and police report. XXXX XXXX loam reporting Fraudulently.