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

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

I'm submitting my CFPB follow up complaint today, and as per FCRA section 605b Experian, XXXX and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report, and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609. I submitted a complaint to regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, you are obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from your company. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that you address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent a instant transfer from my PayPal account to my linked XXXX account in the amount of {$670.00}. The transaction cost me {$11.00} to process, making the total to a XXXX Account {$660.00}. Unfortunately the funds was sent to the wrong account ending in # XXXX, The correct account is # XXXX. I immediately contacted PayPal and spoke to the resolution department and was giving a case number and was told to wait 10 days that turn into 15 days of no responses. I contacted PayPal once more and was told the case has been resolved and completed without no correspondence of the results brought to my attention. So I was informed by PayPal to contact my bank ( XXXX XXXX to fix the problem because PayPal stated the deposit was made to my account. I personally went to XXXX and informed them of the situation and they ask for my account and the account the funds went to. I provided this information, the manager of the bank found the exact funds in that # XXXX bank account. ( {$660.00} ). We both got on the phone with the escalations department at PayPal and she specifically explained that the funds is in the wrong account. She continued to advocate for me explaining that this is something they need to fix because according to my reply 's PayPal stated they reached out to XXXX about the issue but the manager said that is false because in her system it shows no indication of such request for funds to be removed and transferred to the correct account. We was giving a new case number on speaker phone in the bank by the escalation team at PayPal and was informed that they will send the bank a new request to rectify the problems within 10 more days. I reached back out to the manager in person at the bank and we once again got back on the phone with PayPal and was giving the totally different response. ( I Quote bank manager ) where is the request you was sending to transfer funds to the correct account? This is when PayPal escalation department stated something different for the second time. myself and the bank manager was left confused to what obviously was fabricated information the previous and current person said. Paypal Never intended to follow through with sending a simple notification to XXXX bank to request that the funds be placed in the correct account. 
I was giving a complete run around trying to retrieve my funds with no help or assistance, just pure lies from PayPal. 

I also made a complaint with the XXXX XXXX XXXX  and of course PayPal refuse to Reply to my complaint.
Product: Debt collection

I did not apply for these accounts, I did not have access to the lines of credit. These are not my accounts. 


Appeared on credit report, sent letters to dispute accounts XXXX XXXXXXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 


XXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 

XXXX XXXX XXXX XXXXXXXX Dates letters sent : XXXX, XXXX XXXX Credit Amount : {$250.00} Sent letters stating this account is not mine, does not belong to me. No response.
Product: Mortgage

Did not recieve final closing disclosure until the day of closing. I had an issue with the points that were on the disclosure because it was explained to my husband and I that my credit would be ran again before closing after my credit was fixed so that would would not have to pay for points. I brought up that up to the the supervisor XXXX XXXX and she said that the builder may not extend the close date and we would have to start the application process over. They did not confirm final approval until the day we closed. They kept telling us the last 30 days prior to closing that we may not get approval because of a mistake the loan officer, XXXX XXXX made with our loan processing. This was very deceiving because we made to believe that if we did not close on XX/XX/XXXX we may lose the home due to an issue with a document they needed from the IRS for the current tax season that was not due until XX/XX/XXXX. Somehow everything worked out and we were able to close but we were rushed and pressured to close on the same day the closing disclosure was emailed to us. We did not have efficient time to get anything corrected or seek legal help. When I asked XXXX what she could do about it, she told me nothing because we close in a few hours. We paid XXXX in points when we should not have had to. It took me time and money to correct my credit only to be taken advantage of by the lender for their financial gain.
Product: Credit reporting or other personal consumer reports

Accounts are deleted from one of my account, but still showing on all of my other credit accounts. Plus it's an address on my credit report that I've have never lives at.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt or credit management

The lawsuit alleges that Experian violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB claims that Experian failed to properly investigate consumer disputes, which can lead to inaccurate information on credit reports.
Product: Credit reporting or other personal consumer reports

Experian Credit Agency has refused to update my information with regards to my student loan with XXXX over the past XXXX years. I am in good standing paying my bill through Income Driven Repayment plan and have successfully lowered my balance every year since before Covid nonsense in XXXX.
Product: Debt collection

XXXX XXXX XXXX had been trying to collect XXXX to XXXX dollars on a US Bank account I had several years ago that I forgot to close after I moved and was no longer banking with them. I never owed and money or overdraft fees and US Bank was telling me I owed money for not closing the account. When I called US Bank to try and see what I could do to get this off my credit, they had sold the account to XXXX XXXX XXXX This company has multiple complaints with the XXXX for collecting money owed and not paying the debts off. I do not owe any debt! How can I get this off my credit? I ca n't even get a bank account. Please help me. I am a new mother trying to get my finances in order.
Product: Debt collection

On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that XXXX policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX
Product: Debt collection

Im on XXXX and have been since I signed up for the loan which i told them about which i am not supposed to pay back if XXXX.
Product: Credit reporting

A company XXXX oil company pulled my credit without my permission. I do not know who it is.
Product: Credit card or prepaid card

Lost my card and reported two unauthorized international charges on my credit card and Chase decided to deem them non-fraudulent due to chip detected. 

Reversed transaction dates - XX/XX/2022 - XX/XX/2022
Product: Credit reporting or other personal consumer reports

Experian has false accounts and information on my personal credit report. There is no consistency with what Experian is reporting versus what is on any of my other credit reports. I noticed XX/XX/2024 while obtaining my 3 bureaus report from XXXX ; that Experian has my social security number and my birth date are completely wrong. After noticing this I called Experian to resolve this issue and get a copy of my credit report directly from them and I was informed that they can not supply me with my personal credit report and it was because I was giving them a social security number that doesnt match what they have on file. Ive gotten my credit report from Experian in the past I have NO IDEA why there has recently been this change to my social security number in their records. I have attached my drivers license along with my social security card so that they may identify me correctly.
Product: Credit card

I was making a purchase online where the merchant only accepted Paypal for payment. After logging into my account I verified the amount and put in my new shipping address. The purchase was completed through my external ( XXXX XXXX XXXX credit card, so I thought. Today I received a bill from Paypal letting me know that I had a bill due to them from my new credit line. This was odd as I never signed up for a Paypal credit card. Apparently Paypal has set up their system to auto select their " pre-approved '' credit cards when processing payments through their system. In essence, they have taken the information I have provided over the years and ran my credit without my permission, opened up a credit card in my name to their institution without my permission, and processed payment on said credit card. Understanding the rules of credit, this has negatively affected my overall credit score, even if minimally, without my consent. As I am in the process of purchasing a new house this change may affect the interest rate on a 30 years loan ( even if minimally ). I believe this to be an extremely unethical business practice and the CFPB should be made aware of these practices.
Product: Debt collection

Nationwide credit continues to call me, even though I do not have any debt with them. I have tried to have them remove my number from their database to no avail.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED TWO COLLECTION ACCOUNTS SEVERAL TIMES WITH EQUIFAX NEITHER CAME FORWARD WITH ANY DOCUMENTS, SIGNATURES THAT I AM LIABLE FOR THESE COLLECTIONS JUST RECENT THE TWO COLLECTION ACCOUNTS WAS REMOVED FROM MY EQUIFAX CREDIT FILE THEN A DAY OR TWO LATER THEY WERE RE-INSERTED WITHOUT GIVING ME A FIVE DAY NOTICES OF INSERTION OF WHICH IS A VOLIATION OF THE FCRA LAW. YOU CAN NOT REMOVE SOMETHING THEN INSERT IT BACK WITHOUT SENDING THE CONSUMER PROPER DOCUMENTATION OF SUCH COLLECTION THAT THE CONSUMER IS LIABLE FOR EQUIFAX HAS FAILED TO GIVE PROPER NOTICE OF WHICH IS WHY THEY AS A COMPANY HAS SEVERAL LITIGATION OF LAW SUITS FILED UPON THEM DUE TO THE BREACH OF CONSUMER INFORMATION. ALSO I HAVE A ACCUNT THAT WAS REMOVED AND ITS STILL SHOWING ON MY CREDIT REPORT
Product: Consumer Loan

I was paying ontime and monthly on a installment loan from ace cash express times got hard and I was laid off and my bank account was closed. I was not able to make payment for a few months. I am finally working again and want to make payments on my plan but collectors are telling me that I will be summoned for a court day and will have to now pay even more money. I asked them if I can start paying monthly and they said no I have to come up with XXXX within One Hour or I would be summoned to court and then will have to pay even more due to all the fees. I went on ace cash express and It says I only pay XXXX I asked the lady if I came up with that amount can I just pay it off and she also said not. Its too late and I owe XXXX. 
Please help is there anything I can do here.. im willing to start up on payments I started working a little over 3 weeks ago. 


I dont have any information they have stopped mailing me letters almost 4 months ago and I dont have the phone that they would be calling The only reason I know about this is because they came to my work to summons me but i was gone due too a drs appointment. They spoke to my boss about what was going on and gave him a number for me too call
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts listed on ftc report : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened DateXX/XX/XXXXClosed Date -- Responsibility Individual Account. 
Balance {$1200.00} High Balance {$1200.00} Remarks XXXX XXXX XXXX XXXX XXXX {$920.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$920.00} High Balance Last Reported XX/XX/XXXX Creditor Name SYNCB/AMAZON PLCC Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} XX/XX/XXXX Creditor Name XXXX  XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$130.00} XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed DateXX/XX/XXXXLimit {$100.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$310.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$310.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off account Account closed by credit grantor
Product: Debt collection

XXXX XXXX [ Aldridge Pite Haan, LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XX/XX/17 ] To [ Aldridge Pite Haan ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, XXXX XXXX