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

In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to XXXX requesting the same information and nothing has been done by either XXXX XXXX or XXXX.
Product: Money transfer, virtual currency, or money service

My Paypal account is suddenly permanently limited without any valid reason and I am unable to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. However, I have been using the account for some time now and always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. Even the account health is in good condition. I would request PayPal to please look into the complaint and forward my complaint to the relevant department or team who could help me solve the limitation on my account. Please help me reinstate my account back. The email id associated with my PayPal account is : XXXX XXXX
Product: Checking or savings account

I received an email on XX/XX/XXXX, from Capital One, signifying that someone had updated my phone number with the company. I looked at this as a potential scam or phishing because I have never done business with or worked with Capital One. I received another email on the XX/XX/XXXX, notifying me of a newly created checking account with Capital One 360 checking. Again, I never have done business with Capital One or created any accounts myself with them. 
I called Capital One the XX/XX/XXXX and asked if there was an account in my name. They found an account was opened on XX/XX/XXXX ( that I did not create ). I asked them to close it and provide me the creator 's identity or the details of the creation of the account. They told me that it would take XXXX business days. 
I never heard anything. 
I called today, XX/XX/XXXX to confirm that the account was closed and was told that they can not give me any information due to privacy and security restrictions. I explained to them that this is not what was originally told to me and this is my identity that has been stolen. 
I need to find out who created my account and to take legal action against that party. I have a right to know that information, being as I am the victim. 
After researching online, I am not the only victim of this situation. There is a reoccurring theme of Capital On opening fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mad a police report.And the issue is being investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freeze was supposed to be removed last year I keep complaining about this they keep giving me the runaround. 
They keep grandstanding, This has to stop every year I keep calling in to get this corrected, They have all my information this process is done over and over prolong in my credit score I would like to be removed from that whole system up Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Walmart Account that has been on my report that I have repeatedly disputed for numerous reasons, including it showing as charged off, yet reports as a past due balance different from the balance, and reports as past due monthly. 

In addition, after repeatedly disputing with all 3 reporting agencies, the account was deleted off my reports, only to be put back on my report with a new account number, for an account I have never had and then readded all the previous information connected to the previously reported account number.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX JXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an error on my credit report to Equifax. 
They haven't removed it from my credit report yet. This was a fraudulent account opened using my details with XXXX XXXX. I have been in contact with them and also went to the bank and verified my identity. Please try and have this removed from my credit.
Product: Debt collection

I had previously been making payments to clear a former debt to this collection agency and recently I asked them not to submit a payment for the month of XXXX and to cancel any future payments. The representative agreed and still ran the payment through causing my bank account to go into a negative status and incur SF fees. My payroll check was just enough for my bills not including the {$65.00} so when this payment hit, it caused my other payments to bounce. Although the bank paid them, I was still charged {$68.00} in returned check fees. Someone at this company by the name of XXXX XXXX stated they would issue a refund of both the {$65.00} and the {$68.00} in fees if I faxed over my back statement which I did. The {$65.00} was refunded but not the {$68.00} for the fees. When I called on XXXX/XXXX/2015 around XXXX XXXX I was told by a gentleman that he was the only one in the office but when I asked for XXXX XXXX, this person swore he did not know who XXXX XXXX was and it was actually him I was speaking with. I just want my money put back into my account and not to be given the run around.
Product: Credit card or prepaid card

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a credit card with Capital One. I found out about this situation in XX/XX/XXXX after receiving several credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, after reviewing my credit report is when I become aware of this credit card account along with others that I didn't authorize. This situation is a major inconvenience and has significantly hindered my ability to obtain credit. I've attempted to dispute this account numerous times with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX  this action might constitute fraud under both federal and state laws.
Product: Checking or savings account

Not sure where this debt came from. I have no idea why Im being charged {$420.00} dollars from XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX XXXX XXXX  permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX days of receiving this
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which are causing significant distress and financial harm. Specifically, this account : XXXX XXXX XXXX XXXX XXXX It is of utmost importance to underscore that this account do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax. However, they have failed to resolve the problem. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Debt collection

Quest Legal Group is suggesting I incurred a debt with XXXX in XXXX. I never incurred it. They have access to information regarding the company I worked with at that time. They are threatening to subpoena my younger brother and deceased mother. I don't know how they get their names. They are threatening me with a summons if I don't pay as well as saying they will report it to the credit bureaus. 
The letter says it is a civil lawsuit notification. 

Company : Quest Legal Group Received : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I decided to take a look at my credit report. I noticed inaccurate reporting for XXXX XXXX XXXX I disputed this account immediately when the balance was {$520.00} and closed. The account was then updated as being OPEN and with a balance of {$520.00}. I disputed it again and the balance was updated to {$530.00} and 66 months late with Experian and 24 months late with XXXX. XXXX saw the inaccuracies and deleted the account but Experian and XXXX have not responded. This account is inaccurate and I have given them the chance to delete the account from my credit report. I have the right to have a 100 % accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for leasing an apartment at XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/2018. My equifax report or XXXX XXXX  shows it as a hard credit inquiry from XXXX on XX/XX/2018. I was assured by the leasing office that the credit check will only be a soft one and this is what it says as per the rules of XXXX XXXX  on their website. I quote from their website regarding credit check information ( that I had also looked at while applying with them ) : When your credit report is pulled for the apartment, its considered a soft pull and will not drop your FICO score like a hard pull does. 
Resource : XXXX XXXX XXXX Considering this is affecting my credit score very negatively, and that it should not have been a hard credit check ( per the noted leasing company 's rules ), I ask for your help in this very case.
Product: Credit card

On XX/XX/2024 I used Chime Financial, inc. credit builder account to pay my Washington XXXX XXXX Washington XXXX emailed me and sent me a paper copy in the mail stating that the payment was declined and that I need to pay my bill. Chime Financial, inc. is claiming they dont know what happened to my {$90.00}. Now my money is missing and I want it back.
Product: Mortgage

I was approved for a Loan Modification and Mortgage Assistance in XX/XX/year>. I paid the XXXX required lower payments ( from {$2300.00} to {$1500.00} ) on the XXXX of the 3 months trial period timely. I was told my payment would be changed permanently to the new lower payment. When I reached out to Selene Finance to find out why the new payment wasn't reflected on their customer portal, I was told I'd have to re-submit another application. I did that, and when I tried to submit it to the email address they provided and received this message : Delivery has failed to these recipients or groups : XXXX XXXX ( XXXX ) The recipient 's mailbox is full and can't accept messages now. Please try resending your message later, or contact the recipient directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account ( XXXX ) has been settled and closed at {$540.00} on XXXX. See attached. 

Equifax still shows it as a negative account with a balance.
Product: Mortgage

I had my trial modification plan that started on XXXX XXXX in the amount of {$6000.00} with Selene Finance LP and my monthly payments was in the amount of {$2100.00} was made every month and on time. I was never late with a payment. 
My account has been transfer to XXXX XXXX XXXX as of XXXX of XXXX. I have been trying with no response from Selene Finance LP to get all my payments and all my 1098 taxes for all the following years such as XXXX, XXXX, XXXX, XXXX and XXXX and only would get every years but XXXX. Selene Finance LP is telling me that I didn't make any payment for the year of XXXX which is now causing me a very bad hardship with the IRS paying back taxes that was paid along with my mortgages payment in amount of {$2100.00}. I would like to know what happening to all my payments for only that year XXXX. 
Please, please help me with this matter I am so hurting from this problem.
Product: Credit reporting or other personal consumer reports

The list of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under USA 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I viewed my XXXX credit report on XX/XX/year>, and notice some things are incomplete and inaccurate, and according to the Fair Credit Reporting Act whenever a customer reporting agency prepares a customer report it shall follow reasonable procedures to assure maximum possible accuracy of information considering the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 [ 5 they are supposed to do thi ( 5 )
Product: Bank account or service

For the last year I have received Email messages from Wells fargo Bank about my online account but never opened them believing they were spam. I have no online or any other account with Wells Fargo. Since the action was taken against Wells Fargo for fraudulent consumer enrollment in various services, I thought my problem was included as part of the resolution until I received an Email this morning from Wells Fargo about my online account. I believe Wells Fargo has engaged and remains engaged in fraudulent activities that need to be addressed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXXXXXX ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I would like to express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late accounts opening not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late accounts opening. With this, I am asking for your assistance to correct these accounts in my credit file : 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 card or prepaid card

On XX/XX/2019 I applied for the new APPLE Card issued thru Goldman Sachs per an invitation email to do so. I was asked to fill out the info which was populated mostly by my XXXX and further asked to provide front and back photos of my valid drivers license which is Florida State issued just last month. After 24 hrs I received a notice to my identity could not be identified and resubmit my application with new Drivers License photos. Before doing so I contacted Apple who connected me with Goldman Sachs and over the course of 2 hrs via phone and help desk text messages I received conflicting explanations that my valid ID could and could not be used because it is a new Real ID compliant State issued license. After a manager insisted that I reapply and be extra careful to upload perfect photos I received the same notice that my ID could not be verified due and to resubmit my license photos again. Upon this happening again I went online and have determined that this has been an ongoing issue since at least XX/XX/2019 per Internet forums stating specifically that Apple and Goldman Sachs have been denying application approvals due to an inability to accept IDs compliant with the Real ID Act Federal Law. I believe this is unacceptable on 2 counts : 1 ) for not stating this know fact at the time of starting the application per its requirements ; 2 ) for further not being able to provide accurate internal assistance to customers and by only requesting customers repeat the task of uploading their IDs that States now issue and are compliant with Federal Law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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