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

I XXXX XXXX was a victim of identity theft my information was used to open a XXXX credit card and I was told by XXXX the card was fraudulently used to rent a car using XXXX. After sending XXXX a FTC identity theft report XXXX responded by saying that the card was connected to XXXX XXXX, which was also not me and was fraudulent yet they blame me for it. XXXX is violating my rights and continues to report this account instead of deleting as fraud and removing remarks from my credit. This needs to be removed from my credit immediately. This is frustrating that Im being taken advantage and they continue to REFUSE to remove this from my credit.
Product: Credit card or prepaid card

I purchased two tickets with XXXX XXXX using PayPal on XX/XX/19, confirmation number XXXX and XXXX for XXXX dollar. 
The tickets were cancelled on XX/XX/XXXX and we had to purchase another sets of tickets directly with XXXX XXXX at their counter. XXXX XXXX promised a refund of XXXX dollars on XX/XX/XXXX and sent us the refund confirmation through email. The refund was promised to be returned to PayPal withi 4 weeks but we have never received it. I have submitted multiple refund request to PayPal and through XXXX   complaints with email print out and description of the events, all got declined or not responded. Extremely disappointed and angry at PayPal especially that this XXXX is important to us during this difficult time. Shocked by how ethical this company is. 

PayPal dispute case number - XXXX We filed a case dispute on XX/XX/XXXX regarding a missing credit from XXXX XXXX. PayPal did not even read my submitted documents carefully and denied The case without giving me way to reopen it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
Product: Debt collection

XXXX XXXX XXXX, My name is XXXX XXXX and I am writing this letter as I find myself in a difficult and stressful situation for me and my family. I live in XXXX XXXX and I was recently served a Writ of Execution from the local Sheriffs office because of a lawsuit involving an old credit card past due bill. 
This credit card, which I am sure, has to be 15-20 years old or older from my past. I can not understand how this could even be happening to me. The Fair Credit Reporting Act FCRA, is supposed to protect me from these types of situations. What do I do? Who can I contact? 
I have made several attempts to acquire legal help through a public defender as I can not afford a regular lawyer. I am XXXX on medicaid and medicare raising my XXXX XXXX XXXX daughter and my wife is XXXX  to this country and does not work yet. Whatever happened to fair representation in this country for all? I can not acquire that. I have been told to contact legal services in my state of Pennsylvania and county and have been told numerous times that I can not be helped and get referrals only to find out those people can not help me either. What am I to do?? 
Please tell me what I need to do. 

Your quick response would be greatly appreciated as this is a critical time issue Thank you. 

Sincerely, Mr Stressed out!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian directly. They easily allowed someone stealing my identity, starting the latest round about a month ago ( which has been ongoing for eight years ), to change at least my email address twice, then tunnel into my credit file and begin deleting key information like previous living addresses and my wife. Their customer support is pathetic. You can not reach anyone during their limited working hours unless you trick their phone system by requesting an upgrade. If you try to correct rogue login information it sends emails to the person stealing your identity. I spent fours days in total stress knowing that someone had full access to my credit information, and were able to make random changes. The illegal activity email address is XXXX, which I also reported to the federal internet crimes website. The number part is the zip code where they have fraudulent credit cards sent as a swap to a real address. In the latest round with Experian they removed a free upgraded service I had from the earlier data breach, then signed me up for one I need to pay for without noting a cost to me. It seems like their goal is to make money, not to be the caretakers they need to be to protect credit information. Is anyone actually regulating Experian to protect consumers?
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I tried contacting the 3 Credit Bureaus requesting a complete payment history of this account for me to review on which the collection was posted. There was definitely an error on their part. The 3 Credit Bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Payday loan, title loan, personal loan, or advance loan

The company is XXXX loans. I took out a loan for {$450.00} on XX/XX/XXXX and I've been paying {$65.00} every Friday starting XX/XX/XXXX. My original balance was {$520.00} and it only went down to {$500.00}. I also paid an additional {$30.00} and it didn't seem to make a difference. My loan number is XXXX. Their email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. Experian is falsely stating this information on my credit report and yet to remove it.
Product: Debt collection

I am filing the complaint against UNIVERSITY OF ARIZONA because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this agency! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts through the credit bureaus ( XXXX  and XXXX  ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX  and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
Product: Mortgage

XXXX XXXX, never gave us time to submit packet for modification, and short sale consideration and foreclosed on our home on XX/XX/2022. Please advise what options we have at this time
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment records reported on my credit report. Pursuant to 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), I previously disputed these erroneous late payment entries with your bureau. However, you have failed to correct them, violating my rights as a consumer. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within XXXX days and ensure the accuracy of the reported data. Your failure to resolve this matter within the required timeframe constitutes non-compliance with federal law. 

Disputed Billing Errors : XXXX XXXX XXXX XXXXXXXX Reported late payments : XXXX times XXXX  days, XXXX times XXXX days, XXXX times XXXX days late Error : Payments were made on time, and late fees were assessed incorrectly. 

XXXX XXXX Reported late payments : XXXX times XXXX  days, XXXX times XXXX days late ( XXXX )/ XXXX times XXXX days, XXXX times XXXX days late ( XXXX XXXX TransUnion ) Error : Account was in dispute, and no late payment should have been reported under 15 U.S.C. 1666a. 

XXXX XXXX XXXX Reported late payments : XXXX times XXXX days, XXXX time XXXX days late ( XXXX, XXXX, TransUnion ) Error : The creditor failed to provide proper billing statements before marking the account late. 

XXXX XXXX, XXXX Reported late payment : XXXX time XXXX days late ( XXXX XXXX TransUnion ) Error : Late payment reported in error, despite account closure and compliance with payment terms. 



Under 15 U.S.C. 1666b, a creditor can not report delinquency for amounts in dispute, and they must correct any billing errors after proper notice. The law states : A creditor ( A ) may not report to a credit reporting agency that an amount or account is delinquent because the amount due is in dispute, unless the creditor has complied with the requirements of this section and the billing error has been resolved. ( B ) If a creditor fails to comply with the requirements, the disputed amount shall be treated as a billing error and must be corrected immediately.

Furthermore, 15 U.S.C. 1681i ( FCRA ) requires credit bureaus to conduct a proper reinvestigation of disputed information within XXXX days. Since you failed to investigate or correct these errors within the legally mandated timeframe, I am requesting the immediate removal of all inaccurate late payments and derogatory marks from my credit report.
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX XXXX declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Evening as I began to review my reports XX/XX/2019 I noticed that equifax had not reported/updated my credit. This has stopped me from obtaining my home due to them dropping the ball. I've contacted them several times they're telling me that this is not true to contact the entity of choice. I was also provided equifax logins however their site is still saying the same. Countless hours on the phone constantly purchasing reports to only end up with the same results have landed me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report and would like them to be removed immediately. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )  I have not initiated any transaction with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX, TX XXXX Best regards, XXXX XXXX
Product: Mortgage

I was buying panel through XXXX XXXX and they are financed through mosaic Ive had them for almost a year and I just got them working by paying a new solar company to completely unusual and reinstall the panels for me with no help from mosaic or XXXX and on top of that XXXX panels melted on the roof that are suppose to be under warranty but XXXX isnt here to help. I went through a divorce and legally had to sell my house 6 months ago but I have been unable to for the lien on my house due to the panels. Ive called hundreds of times and put in several complaints with no help. Ive been paying panels and electric and a mortgage and rent and its hard to keep up. The panels and old mortgage have destroyed my credit and since I was planning to sell the house much sooner due to the divorce and no longer being able to afford it. Mosaic said that they have resolved the issue but also said they couldnt get ahold of the installer and I even have a email proof of them saying they didnt help when I finally made some progress on my own
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 NUMBER : 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 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'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 Problem Description : These inquiries were not authorized by me and have negatively impacted my credit score. After reaching out to the companies listed, they confirmed that they have no record of performing these inquiries, which suggests a possible error or potential fraud. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I have the right to dispute the accuracy of any information on my credit report. These sections establish that : -Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

-Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

-Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report. 





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

Someone use my information and identity to make some purchases with My edd prepaid card. It was a total of 3 transaction. All 3 for the same Merchant. When I notice I immediately reported to bank of america and they open a claim. After a long time they aprove and reimbursed me for XXXX of the XXXX transactions and I've been waiting for over 5 months and I haven't get any response or updates about the other XXXX transactions. Every time they told me that it's still under investigation. But they keep telling me that they have 45 days to resolve and it's been more than 45 business days.
Product: Prepaid card

Cash app has been keeping my money, they refuse to refund pending transactions. Cashapp makes up rules for when they release holds from certain business. Sometime you can be refunded immediately and other time you wait 14-31 days to release the funds. ( Hoping you forget, so they can void the transaction. ) so when they void transactions from pending, the information about the hold disappears and any information is vanished. Some cases cashapp balance stays the same when it should have been refunded the pending transaction amount. But theres no proof to dispute the missing funds, and it results in being robbed by cashapp. For them to achieve this they have to deny your request to release the hold on the pending transaction, blaming the business for the hold up. Ive been refunded within the hour of canceling from the business. So its clearly cashapp holding the funds from their customers, then denying and making up rules as they please. Ive contacted at least 3 times a week over the last year and had no success, all I get is : do not have any new information to provide regarding this issue. 

For questions or concerns outside of this case, please reply back to me here. 
If you have any questions or concerns outside of this case, please feel free to respond. 



My concerns and questions are literally ignored every time. I have yet to receive any sort of resolution for my missing money and have no idea how much is actually missing. I want to be provided the information of every time my card is used. They wont show me my own information they find their referring to because its private. My information about my account shouldnt be private when I request the proof. I have to show proof when I have a problem, they should have to show proof. I have my own evidence that the representative makes up rules and blatantly lies multiple times. They just hang up when they are backed into a corner and have confused them selves. 

Im fed up with being ignored and hung up on. There is absolutely nothing more I can do to solve anything with the company.