23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I apply Venmo credit card And got approved. When I want to sign in to my account it asked for my last XXXX of my social security. I provided the last XXXX of my social security and then it said it is not the correct digits. I then called and they said I was not able to provide the correct philosopher digits. I told them my social security number over the phone and they said that was not correct. I asked them how was it possible for my social security that is not correct to be approved with my personal information. They said they were not sure what to do and they were not sure how that happened. I told them that somebody else 's self security number was approved then because I just provided you mine and you are using my personal information and somebody else 's social security number.. They are now asking me To send my personal documents in the mail Which I am not comfortable with doing. To resolve this issue.. The issue is not mine it is theirs on their end with their application process that they have taken the social security number of another person and used my personal information and a requesting additional documents that only the government should need For reasons. They need to fix this in their system ask me to reapply and close this account without it affecting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding incomplete account reporting by EXPERIAN, one of the major credit reporting agencies. The issue pertains to an account associated with XXXX XXXX, which is incomplete and violates the Fair Credit Reporting Act ( FCRA ). The account reported by EXPERIAN fails to accurately reflect the complete payment history, with missing payments that have not been reported. This incomplete reporting undermines the accuracy and integrity of my credit report, thereby affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$250.00} XXXX   XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights 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 ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Systems does not have a FREEZE option available to freeze my information being shared to a financial institution. They are a consumer reporting agency, I think they should be required to have the Freeze option.
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what Citizens Pay XXXX  :. This company is reporting {$2100.00} on my XXXX credit file, which is frivolous, and the company have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Citizens Pay XXXX, in direct violation of the FCRA. I have discovered that the Citizens Pay XXXX  fraudulent account. I need proof of a wet signature of an application w/ Citizens Pay XXXX  and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Citizens Pay XXXX  accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/XXXX regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX account for the month of XX/XX/XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from Equifax within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX  account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.
Product: Checking or savings account

In response to Bank of America - claim number XXXX Please note that the documentation alleging a signature card with XXXX XXXX being identified as a sole proprietor is false and erroneous as the correct signature card ( attached ) which was a recorded part of the Motion to dissolve clearly shows the account was designated as an " S '' Corporation '' and any errors or omissions in entering a correct employer ID # s or other errors were the fault of the employees of BOA and their failure to properly obtain the correct ID # for the Corp. and their failure to properly enter the account as a Corp. account when it was CLEARLY designated as such does not constitute any mitigation of their responsibility for the losses incurred by the Corp.
Product: Debt collection

I spoke with a rep from this collection agency Aargon Collection Agency Named XXXX who advised me that I owed for an XXXX XXXX Bill from XXXX 2016 to which I advised him I would have to contact the original Company to inquire what this bill was about. He then advised me that He would call XXXX XXXX XXXX Police on me about this bill, when I requested to speak to his supervisor she said that he did not day that, my husband was listening in on the call and was very adamant of what this XXXX said. I am aware of the FDCPA rules and making a false statement is a violation of these rules claiming to involve Law Enforcement when there was no intention to do so. This happened today XX/XX/XXXX at XXXX XXXX PDT
Product: Debt collection

To Whom It May Concern : This is in response to CFPB Complaint number XXXX. 
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 ( FDCPA ), I have the 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 request for verification or proof of my mailing address, but a request 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 ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

I XXXX XXXX XXXX, a natural person, letting the CFPB know that The XXXX XXXX XXXX is reporting a fraudulent account ( # XXXX ) on my credit profile. I DID NOT GIVE TRANSUNION, or XXXX CONSENT to put this on my profile. This account is damaging my credit worthiness. According the FCRA, a collection of an account is a permissible purpose to obtain a consumer report ONLY when the collection is in connection with a credit transaction. I did not apply for ANY credit/loan with XXXX XXXX of XXXX XXXX , nor did they have my written consent to put this onto my profile. Due to this fraudulent account on my credit profile, I have been denied credit and my report has taken a serious hit, dropping my score tremendously. This is in violation of the FCRA, and if not deleted, I will sue TRANSUNION and XXXX because they were put on notice and is willingly furnishing false information. Transunion and XXXX have been put on notice since XXXX. I have attached my letter for Validation sent to them on XX/XX/2023. I also have attached the DOJ letter, Validation of Debt, Notarized, the Transunion Notice, Notice of Demand for Responsibility Contract from the Child Support Agency, and lastly a Notice of Deletion to XXXX. None of the entities have responded. This account gas been deleted by XXXX already as they did not want me to proceed to Arbitration for damages.
Product: Debt collection

I'm a retired Vet with XXXX issues, I had insurance during this time and this bill was paid by my insurance company. AR RESOURCES is XXXX the system and never even contacted me by phone, or letter, or let me know it was going to collections. I never received any collection letters or calls. No warning. How do I even know it's mine? I have been on XXXX for my issues, so clearly I don't have the money. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put this collection on my credit reports during a time when the governor requested a moratorium on such actions during this pandemic. They were so spiteful and greedy, they put it on my credit reports in the middle of a crisis, on XX/XX/20. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer + reporting to XXXX and other Federal agencies.
Product: Mortgage

Citizens Bank switched my mortgage loan to paperless when my wife asked for a personal checking account she held to go paperless. We are joint on the mortgage and she nor myself asked for that to be paperless. When I did n't get a bill they gave me a late mark with the credit bureau ( previously I had fantastic XXXX score ) I explained what happened numerous times, payed my bill immediately, they WILL NOT RETRACT THEIR NEGATIVE ON MY CREDIT AND I THINK THATS WRONG!!! I want that mark removed PERMANATELY!!!!!!
Product: Money transfer, virtual currency, or money service

I recovered a old Paypal account and noticed I have remaining funds on the account. Since I no longer use the account I wanted to withdraw and close the account but the system would not allow me to receive a check. The error I receive is " Sorry, there's a problem. If you keep seeing this, please contact customer service. '' I contacted customer service by phone on XX/XX/2019 and stated because my account is restricted I can not cash out. Paypal is holding my own money hostage and basically stealing my money.
Product: Credit card

Received an email on XX/XX/year> with my new balance. Logged into my account to check charges. When I selected statement a pop up came up stating I can get access unless I agree to paperless billing. I contacted them through their live chat and they said even if I signed up I could get statements until next month. This is new and I never received notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX for {$290.00} and XXXX XXXX XXXX for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my XXXX and Experian credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX BMW Financial Services There is an account from BMW Financial Services on my credit report. I have continuously tried to dispute this account with XXXX. Each time they continue to verify the account and keep it on my credit report. I have spoken with BMW Financial Services a number of times and they are not able to find an account for me. It is hard to fix this, because XXXX is able to verify an account that I am not able to verify with the original creditor. 

When I call BMW Financial Services and give them the account number, they inform me they are not able to find my information on the account that XXXX is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. XXXX needs to fix this.
Product: Credit card or prepaid card

I have not received my provisionary credit for a dispute that I filed on XX/XX/XXXX I sent in my dispute form by mail I was never given a provisionary credit under Federal Regulation e I was not also accommodated provisionally under the Americans with Disabilities Act I've  also spoken with several supervisors and they all have made up lies and hung up on me and created tickets which is a violation of the corporate Espionage Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies XXXX, Equifax, and XXXX have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " 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 ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions.

15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned Credit Reporting Agencies ( Equifax, XXXX, and XXXX ) in another complaint. The three mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am recieving continuous phone calls from a company trying to collect a debt for HSBC from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent certified mail to the following Credit Bureau XXXX, Experian and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus
Product: Mortgage

Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )
Product: Debt collection

I continue to receive repeated calls from this number. They claim to be Capital One and they call XXXX to XXXX times a day, 7 days a week, and it is beginning to be disruptive and unacceptable.