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

On several occasions I have reached out to Experian, XXXX  and XXXX  and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX  XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX XXXX-XXXX- Not my account XXXX XXXX XXXX-XXXX- Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX  XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the XXXXredit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted as soon as possible : XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX. Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.
Product: Money transfer, virtual currency, or money service

I've been using Paypal for over 10 years without issue. The account had sat dormant as there has been little business since COVID. When a client sent me a deposit I found the money was not accessible. The message I had was that I had to wait 21 days, which I did. I then tried to access the funds again, again with no luck, This time I contacted Paypal who indicted that they needed business information less than 6 months old. The only thing I have, since my XXXX expired, was my tax forms, which I sent along with my scheduled C. That didn't get the money released so I went to refund the client the money, who was on board with just mailing me a check. I attempted a refund, but Paypal attempted to take the entire XXXX out of my banking account rather than the XXXX plus in transaction fees. I then blocked Paypals access to my account. I again, contacted Paypal. The lady who called me back indicated that she had returned the fees associated with the transaction so I could refund the money once the original attempt was rejected. I got that notification today and attempted the refund, which again was rejected. I contacted Paypal yet again and received a call stating that because I didn't have a bank account attached. In other words they are using circular tactics to maintain control of my money for the next 6 months when they tell me it would be released .... I don't really even trust that at this point. All without paying me any interest for the money. This also effects that way that the clients may view me, potentially costing me business. I simply want to return the money to my clients so they can provide me a check for their deposit but they are refusing. Paypal prevents screen shots so I am unable to provide a copy of the months long conversation. I also just noticed that they have erased the fee reimbursement in the activity log but still shows in my total " available '' funds.
Product: Credit reporting or other personal consumer reports

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the XXXX investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX XXXX XXXX added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX XXXX  IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS. This has been removed 2 time this company is hurting my credit file with a fraudulent account.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX XXXX balance is XXXX the date account was closed is XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S Department of Education XXXX DOE ) and the Department of XXXX Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
4. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX XXXX to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with both  Portfolio Recovery Associates  and the credit bureaus for these accounts listed on my credit report by  Portfolio Recovery.  I requested debt validation from this company ( see attached ) and they were not able to provide me a summary of ALL account activities, nor did they prove that the statute of limitations had not expired for the accounts they are reporting. Additionally, they did not provide copies of any papers that show I agreed to pay what they say I owe that bears my original signature.     This company is a third party collection agency and is reporting that the accounts had terms of 1 month. I have NEVER did any business with this company, nor have I ever signed any contracts with them ; the reporting of this is in violation of my consumer rights ; this is inaccurate. My initial correspondence with them was a dispute. During the dispute process, they should have ceased all collection activity ; however, I received a letter from them again regarding payment. The documentation sent to my by the company ( see attached ) in no ways validate this debt as mine.
Product: Mortgage

Good afternoon, my name is XXXX XXXX, I'm taking this opportunity to file this complaint against Bayview loan Sevicing, LLC. 
I had a mortgage with XXXX XXXX, which without my consent transferred it to Bayview.  Since then we are facing many problems with that Bank. From 1000 plus, we are paying more than 2000 dollars, and whomever we spoke, nothing has been done to lower our rate to the current one on the market. 
On XX/XX/2018, we have received a letter, which was a notice of default, for XXXX, that amount was paid in order to update the account. Even though, the bank has received all my payments, nothing has been done to update my account. 
I have a policy number XXXX, I purchased my own insurance and without my consent, Bayview loan went a paid my insurance in full. 
for those violations, I want my mortgage to be transferred back to XXXX XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX # XXXX has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on XXXX XXXX. 

I would also like to complain against XXXX as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and XXXX gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if XXXX themselves won't let me view my report with the account I established through them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Around XX/XX/2019 I've submitted my dispute letters to Equifax, XXXX XXXX, and XXXX, but also the collection agency XXXX XXXX XXXX XXXX.. XX/XX/XXXX I received a letter of correspondence from XXXX stating that my concerns will be reviewed yet the item is still on my Equifax report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate entry on my credit report with Equifax regarding a debt reported by XXXX XXXX ( original creditor : XXXX XXXX XXXX  ). The dispute was initiated because XXXX XXXX  failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I had sent multiple requests directly to the collector asking for validation of the debt. However, they only sent a bill on XX/XX/year>, which does not constitute valid debt validation. Additionally, I did not receive a validation notice before the account was reported to my credit file, which is a violation of FDCPA requirements. 

Equifaxs investigation concluded on XX/XX/year>, but it did not resolve the issue. Equifax accepted the collector 's claims without ensuring the debt was properly validated. The debt remains on my credit report, despite its unverified status, causing ongoing harm to my creditworthiness. 

I believe Equifaxs investigation failed to address my dispute adequately, as the account remains inaccurate and unverified. I am requesting that the inaccurate account be removed from my credit report until the debt is validated according to the law.
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX  XXXXXXXX XXXX XXXX attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Debt collection

I received an order to answer interrogatories along with a letter dated XXXX XXXX XXXX, from the HR department at my job. It asked for salary information for a person with a name I've never used at an old address. I thought it was a scam and ignored it, because I knew that I would need to be served if anyone was suing me, and had never once had any communication about a debt or a lawsuit. Then they started garnishing my wages on XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a notice and a letter from the HR department at my job, dated XX/XX/XXXX, that my wages would be garnished starting with my XX/XX/XXXX paycheck. These are the only two communications I received, ever, about any lawsuit against me. 

When I looked up the case number, this case has been ongoing since XXXX, and I have never once received any notice, have never been served, have never received a single letter or phone call about it. All the times the attached case summary shows I have been served are blatantly false. I don't know where this debt came from. I don't know what it is for. I do not believe I owe it, and I have never been given the chance to dispute it. I will be obtaining the services of an attorney.
Product: Mortgage

I tried to submit my payment for XXXX and PHH mortgage wouldn't accept it. They're saying they couldn't accept my payment. They're saying I have to request a payoff quote. I requested payoff quote and nothing received yet. Last day I called was XX/XX/year>. I've numerous of times since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with XXXX, Equifax and XXXX. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) EQUIFAX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL 3 agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF EQUIFAX, XXXX, XXXX do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

EQUIFAX Commission file number XXXX XXXX XXXX File Number XXXX XXXX Commission File Number It is also to my attention that XXXX XXXX has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.
Product: Debt collection

A man came to my door and served me a fake summons letter on XX/XX/2022 from XXXX XXXXXXXX XXXX  The document had no clerk signature, court date or court case number. When I emailed and asked for verification of debt- they refused to provide the necessary information. This is the business information : Mark A. Leachman PC XXXX XXXX XXXX XXXX, CO XXXX Office XXXX Fax : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts on my part to rectify this matter, the fraudulent entries persist, causing significant distress and harm to my financial well-being. This complaint serves as a formal notification of the ongoing issue and my expectation for an immediate and effective resolution. 

I discovered unauthorized and fraudulent items listed on my credit report, which have had a detrimental impact on my credit score and financial standing. Upon discovering these discrepancies, I promptly took action to dispute the fraudulent entries by following the established procedures outlined by 3 Credit Bureaus Despite submitting all necessary documentation, including police reports, affidavits, and supporting evidence, the fraudulent items remain on my credit report. I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. 

The persistence of these fraudulent items not only damages my creditworthiness but also undermines my trust in the integrity of the credit reporting system. As a victim of identity theft, I am entitled to prompt and thorough resolution of this matter to mitigate the adverse effects on my financial stability and reputation. 

I demand immediate action to address the following : The immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the fraudulent entries, including but not limited to, financial losses, increased interest rates, and emotional distress. 
Failure to resolve this matter promptly will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and pursue legal action to seek redress for the damages suffered. 

I urge you to take this complaint seriously and prioritize the resolution of this matter without further delay. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX