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

I have written XXXX and Transunion multiple times in requesting removal of erroneous collection accounts, old addresses, old phone numbers, old employers be removed credit report ( s ). XXXX recently removed all the requested information and updated my credit profile. 

I have submitted to each credit bureau copies of my identification, and social security number as per each request. I have made numerous phones calls the merchant that reported the error on file to the collection agency XXXX XXXX to no avail. They refused to return phones calls. There is no address or email address on their website to write to them. 

I have asked all three credit bureaus to provide in writing proof of contract with my signature from these collection agencies within a reasonable amount of time. Transunion did not respond at all to my last correspondence and XXXX is asking again for proof of identification and social security card again. 

I am NOT re-sending any anymore identification information. I've attached the correspondence letters to between myself and both XXXX and Transunion. The first letter from these credit bureau 's claimed that I reported identity theft. I did NOT report any such thing. Then, they each sent me copies of my credit report containing the same errors. 

This has been going since XX/XX/2023 with letters back and forth. I was denied an apartment therefore currently residing with relatives. This is a temporary arrangement. But I implore the assistance of the CFPB to please step in to get this issue resolved by investigating or enforcing removal of these collection accounts from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX has falsely place a collection on an account that has been paid for over 10 years. This the same debt I filed a complaint about, previously. I keep getting called because my paid off debt keeps getting sold. Ive had no contact with this particular company or I would have offered up the debt satisfaction letter. This is negatively effecting my credit and its bad business.
Product: Debt collection

I never received any collection notice for these two supposed collections from XXXX XXXX. I paid off my debt with Synchrony so I'm not sure how this collection came to be.
Product: Mortgage

M & T and XXXX XXXX are attempting to foreclose ob my home with fraudulent robo signed assignments. m & T refused to respond to my QWR, dispute and the debt validation. I request a loan modification i mailed in the documents and a week later i received a notice of foreclosure .This clearly dual tracking. I only owe {$100000.00} on my loan and my house is valued at XXXX. the are attempting to foreclose on my for less than {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these accounts in the past with experian with no success, they can not prove these accounts belong to me, or prove I am the person who opened these accounts, or provide any proof of ownership of these accounts. They do not belong to me, they belong to someone with a similiar name. Also they have to many names listed on my credit report, my legal name is XXXX XXXX, they have XXXX XXXX and they also have XXXX XXXX XXXX, there is 2 other XXXX XXXX XXXX in the state of NJ, I only go by XXXX XXXX, I had my driver license changed to reflect the changes. Below are the accounts I have disputed since XXXX of 2020, these accounts arent mine. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name there is also a collection that is on my credit report, the collection agency has never verified their legal right to this debt that they are trying to collect, also they have never verified the debt they are collecting on belongs to me, nor have I ever been sent proof, experian never provided evidence of their investigations or how they obtained this information. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an impeccable on time payment history with Navient and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my Navient student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. 
Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as Navient have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. 
Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. Navient as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.
Product: Credit card

Discover close my account for no reason given. They closed my account when I was shopping without sending me a notice ( I got that notice a week later ). Moreover, They refuse to send me the matched cashback that they promised when they encouraged me to apply.
Product: Checking or savings account

I received two unauthorized charges on my debit card my card is set up so charges can not go through unless the funds are there Ive reported unauthorized charge to the bank they refuse to remove the charges even though I reported their not mine this not the first time how the charges were put through I dont know they never did a provision credit nothing just let it lay there the local branch is horrible they do nothing
Product: Checking or savings account

I received an email from paypal telling me that they will closed my account after 180 days. 
" You can't use PayPal anymore. Reference ID : XXXX '' After 180 days the send all my money to their account about XXXX GBP. I feel like they scam me. Please help me get my money back and my account. 
Best Regard
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests to Experian to delete incorrect personal information on my credit report on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The false information reported on my credit file has had a damaging impact on my credit worthiness. 

I have provide numerous letters, including proof of address and Identity each attempt and there has been no action or response.
Product: Credit reporting or other personal consumer reports

Dear CFPB During my XXXX XXXX visit to sam 's club, I was invited to apply for XXXX & get XXXX XXXXXXXX price deduction. I was buying a TV unit at sam 's. Unexpectedly, My application was rejected,,, even though on that day, I had a XXXX creditscore ( see printed proof from XXXX ). The Non sincere* bunch reduced my sam 's instore creditcard line of credit to {$100.00}. Such an insinceremove caused a loss of XXXX points frommy XXXX score. 
Recently Synchrony sent me their reasons which are pure nonsense, please see. 
( synchrony stated ) for our decision are listed below. 
Lack Of Real Estate Secured Loan Information >>>> NONSENSEHOUSE IS FULLY PAID FOR. I'm 65.

Balances On Delinquent Or Derogatory Revolving Accounts Are Too High >>>NONSENSE> NO_HIGH BALANCE EXISTED Too Many Delinquent Or Derogatory Accounts >>> NONSENSE >>> GONE in 2018 Balances On Delinquent Or Derogatory Bankcards Are Too High XXXX NONSENSE>>> NO-HIGH BALANCE EXISTED Conclusion. I'm requestingCFPB to reprimandboss of these low level staffers that are without proper training and have the boss to forward a letter of apologies to us. 
NOTE : I have high credit limit cards that I do not use at all. I know we rely on low pay workers from the XXXX XXXX to save cash. On XXXX XXXX XXXX saw XXXX possibilityto steal $ XXXX from my CC. Based on their training by XXXX. Staffers took the $ XXXX cash. Ever since, XXXX has admitted their committed theft. But, wants copy of ( my ) Governmentissued ID & a selfie to issue a refundof my lost XXXX XXXX. That was their/GOOGLE'sstance 4months ago that regrettably has not changed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit scores and much more - XXXX XXXX XXXX XXXX recommendations, tools and insights from XXXX XXXX XXXX that help you optimize your money and grow it faster, to help you get ahead.www.creditkarma.com XXXX. 
Checked daily XXXX XXXX XXXX score checks from XXXX calculated using XXXX XXXX
Product: Credit reporting or other personal consumer reports

/I sent you a FTC report on XX/XX/2024 about these fraudulent inquires and you refused to /remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 


Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Please note that the dispute case number is XXXX. 
In XX/XX/2018, a service was paid for using PayPal for services to be expected from Mrs. XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX. However, this person did not complete the service. The protection of PayPal in an instance like this was the only reason for using such a payment method. PayPal is aiding the seller of a service, rather than protecting the consumer who used hard earned money to pay for what is sought to be a scam. Mrs. XXXX was allowed to keep the money for a service that she advertises as organizing with PayPal as her preferred method of payment. I opened a dispute with PayPal and they denied my case and decided in the favor of XXXX XXXX. There isn't too much to report and confuse things. It's simple XXXX XXXX charged me for a service using PayPal and she did not fulfill the commitment, therefore, I the consumer are titled to my money back.
Product: Debt collection

I truly feel like a ping pong ball at this point I sent a letter to Amerifinancial certified receipt ( XXXX the ending of XXXX I never received a response. I later discovered the wrong address was listed on XXXX  website so I filed a complaint with cfpb please reference complaint # XXXX. Amerifinancial told you guys that they couldnt locate my account. Why is it still reporting. I know you guys are busy be aid me in making this company validate the debt please I cant afford to keep sending mail certified this account has already been removed from XXXX  and XXXX  only XXXX  is reporting this Im asking for validation of this medical debt that I have declared numberous times doesnt belong to me! Sorry if I should disrespectful Im just frustrated please help.
Product: Credit card or prepaid card

I was issued a gift card in the form of a XXXX  prepaid from a company for a rebate. Unfortunately, I misplaced the card but found it at a later date that was past the expiration date ( by only a couple months ). I called the number ( XXXX ) and they said they could reissue another card since I never used the funds but would charge me a replacement fee and a fee for each month past expiration ( {$15.00} total ). I asked to have those charges reversed so the rep said they would put in that request also. A new card arrived weeks later with a new number and expiration date. When i checked the balance, it was XXXX. Since receiving the new card, I've called the company 3 times to resolve. Each time I'm told that XXXX ) they will escalate to the " back office '', XXXX ) they will ensure I get the fees reversed, and XXXX ) I should hear from someone from the bank within XXXX hours. After I called each time, I never received a call back. This last time, I got the same message and was told there was no other way to escalate and no other number to call to get this resolved and they apologize for the inconvenience. Not only do I feel strongly that a company can not just take someone's money like this, this company said I could get the funds reissued but aren't resolving the issue. This has been going on for a couple of months now. The card is issued by fifth third bank but I keep getting a call center XXXX  who wont let me speak to the bank. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a water softener system and other items. The items never worked. Either due to faulty install or defective equipment. The company refused to repair them, refused to retrieve them, and is not refusing contact.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a fraudulent account on my report. My identity was compromised and there were several false accounts and loans made with my information. I want this account removed. I have notified both parties, Equfiax and XXXX, that my information was compromised yet they still report false information. I have sent a cease and desist to XXXX
Product: Checking or savings account

XX/XX/2022 Chase Bank XXXX XXXX XXXX I am the victim of an online fraud. The vendor did not take credit cards and asked that we pay using XXXX. 

XX/XX/2022 We reached out to Chase Bank to report the fraud. Chase claims due to " privacy '' they are not allowed to disclose details of the recipient the company that defrauded us. 

XX/XX/2022 The vendor refused to provide a tracking number and insisted our package was received.
Product: Debt collection

I have spoken to this company multiple times and sent a letter not understanding the debt. They do not send anything back, they take the debt off for months and then randomly add it back on. I only received one phone call in XXXX when I asked for a debt validation and received nothing. I not received a phone call since. The reason for the debt is affected by natural disaster which doesnt make any sense, especially since the debt came up in 2019. None of this collection is accurate and I do not believe it is valid. I currently have an account with XXXX XXXX XXXX, when I have asked them, they have no record an outstanding balance.
Product: Debt collection

Had a medical bill of {$110.00}. Balance is {$0.00}. Never received a letter of payment. Have spoken to Transworld Systems Inc. ( TSI ), multiple times beginning ( recently ) on XX/XX/2021. 

I was told that yes I had paid, and then no I did not pay. I was told a letter confirming I had a zero balance was coming by fax and/or letter XXXX times. Then I was told no letter had been sent. Then I was told I would not receive a letter. 

I have been told Transworld did not report the event on my credit report ( see attached ). 

I have been transferred approximately XXXX times, disconnected, different conflicting statements by each person I communicate with. 

I have a XXXX balance, they XXXX saying a letter was sent, and then they said they wouldn't send the letter. In the middle of a question they put me on hold to shut me up. 

I just need a letter stating what their records show, that they were required to send but didn't. They've XXXX to me for weeks. I have no way of knowing if anything they say is true because their story keeps changing and they've XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$30000.00} XXXX XXXX  XXXX BALANCED {$3100.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two credit inquiries from Bank of America. I receive alerts when there is ANY activity, good or bad. This happened today, XXXX, around XXXX XXXX. I do not have a Bank of America banking account, or credit cards, or have anything to do with Bank of America. 

Also today, I received an email from Bank of America asking me to confirm a request to update my email address. I called Bank of America fraud dept and they said that there was an account opened under my name and then closed. 

I'm afraid that my social security number has been compromised.