23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My account was hacked and there was an unauthorized charge of {$480.00} on XX/XX/2019. I submitted a claim to Paypal that it was not me who authorized the transaction and someone had been accessing my account. After a few days they responded to me that they were not accepting my claim and that they would leave the negative balance on my account. Now I see in my credit report that XXXX Bank ( collection bank for PayPal ) has a charge off and is lowering my credit score. I went ahead and I paid that balance to avoid any more damage to my credit. But now I cant even buy a car at a low interest rate because of this account is still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company has me down for 2 late payments, however the auto payment was set and did pay out at the appropriate time.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The following Accounts XXXX XXXX XXXX  XXXX, capital one auto finance, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion and XXXX reported a delinquency on an account that was never in arrears ( XXXX ). I contacted the credit Union, and they had no record of a delinquency or late payment. I disputed with both companies, as this caused an over 100 point drop in our credit scores ( we had excellent credit for over 30 years and only one late payment to a credit card out of 25 reported accounts over thirty years ). My credit score has not been fixed, though XXXX has sent all supporting documents to each company. The change occurred in XXXX of 2020 when XXXX XXXX XXXX merged with XXXX XXXX XXXX. I disputed with both companies, but there is no return to my previous credit score before they misreported a delinquency. XXXX did not make the same error, and they show us having our excellent rating. We had to cancel a home equity line due to this error as the interest rate would be higher due to the incorrect credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a fraudulent entry on my report from XXXX XXXX XXXX XXXX. 
Also, there are continuous hard inquiries from XXXX XXXX, which I did not authorize and XXXX has admitted it was fraud.
Product: Credit card

Synchrony " Bank '' provides credit for Amazon, TJ Max and several other retailers. They provide credit limits and then continuously run a persons credit for no reason. They then continuously lower a persons credit limit fraudulently advising their credit is bad when it is not. Why would they provide me with a XXXX credit limit for one retailer and XXXX for another, then lower the XXXX to XXXX, with no warning, and leave the other at XXXXXXXX When contacting them directly to review this they state everything is system driven and there is nothing they can do to help. They are targeting people to falsely and negatively affect their lives and credit history. My credit is not the best, but my XXXXXXXX XXXX XXXXXXXX & I was able to just purchase a brand new car with no money down with a very low interest rate through a real bank ( XXXX XXXX this week. If my credit is so bad as Synchrony is claiming, I would definitely not have been able to get a loan for a car. I know this is most likely allowed by all the fine print in their agreements, but Synchrony needs to be thoroughly investigated for their fraudulent practices that are damaging innocent people. I am filing complaints with all retailers they provide their services to as well as the XXXX, CFPB, & OCC. Thank you!
Product: Credit card or prepaid card

I discovered in early XXXX that Barclays Bank had been sending my rewards points from my Visa Card to an account that I had closed years before I opened a the account with Barclays, and that Wyndham Rewards did nothing to correct the error. 
Since late XX/XX/XXXX, I have contacted Barclays or Wyndham some 12 times by either phone or email and have been sent from the one to the other several times without resolution of the problem. As of late, they have stopped responding to me altogether. The only change that has been made is that Wyndham Rewards opened a new account in my name and the Barclays card points from XXXX XXXX forward have been credited to this account. 
Much to my consternation, Wyndham rewards still won't credit to me the XXXX points that have been sent to them by Barclays, and Barclays will likewise do nothing to correct their error. The points number was the total from all the Barclays ' Visa Card statements that I have from the opening of the account in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX, XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( 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.
Product: Credit card or prepaid card

I understand that i owe on the bill. Ive been making payments yet they just keep i feel harassing me. I got rid of my phone i can not call them i keep writing to them or contacting them through their website since XX/XX/2018 they wont help me. Its Synchrony bank. I think it's worth looking into them they probably doing it to everyone. I just don't understand how a company like this can not work with people. I know i owe I'm not denying it but i also can't afford the balance I'm just asking them to work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

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 An 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 or other personal consumer reports

Dear Sir/Madam, I am writing to report a fraudulent activity that has severely impacted my credit standing. On XX/XX/2023, a credit card was opened under my name with THE XXXX XXXX XXXX bearing the account number XXXX. I wish to categorically state that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I recently became aware of this situation when I noticed an unfamiliar and unpaid balance on my credit report linked to the aforementioned card. This unauthorized debt has unfortunately affected my credit score negatively, a score which I have meticulously built over the years. 

I have taken the following immediate step on my end : Alerted the credit bureaus and placed a fraud alert on my credit reports. 

I request the Federal Trade Commission 's assistance in investigating this matter further and taking appropriate action to prevent such incidents in the future. I understand the FTC plays a vital role in guiding victims of identity theft, and I look forward to any support and recommendations you can offer. 

The emotional and XXXX  XXXX  of knowing one 's identity can be so easily compromised is deeply unsettling. 


I would be grateful for any assistance you can provide in helping me resolve this issue and safeguard my identity and credit. If you require any additional information or documents, please feel free to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT To : XXXX, Experian, and [ Furnisher of Information to Credit Agencies ] I, XXXX XXXX XXXX, hereby notify you that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

As a consumer, I have the right to privacy and to control the sharing of my personal information. You, as consumer reporting agencies and a financial institution, have a legal obligation to respect my privacy and protect my nonpublic personal information ( 15 USC 6801 ).

You do not have my consent to furnish my consumer report or personal information to any third party. Any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

I was never informed of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). Furthermore, you are reporting adverse information about me without my permission, in violation of 15 USC 1681c ( a ) ( 5 ).

You have a legal obligation to ensure the accuracy of the information you furnish to consumer reporting agencies ( 15 USC 1681s-2 ( A ) ( 1 ) ) and to maintain reasonable procedures to avoid violations of the FCRA ( 15 USC 1681e ). You are not meeting these obligations.

I hereby opt out of your reporting services, as is my right under 12 CFR 1016.7. I demand that you immediately cease furnishing my consumer report or personal information to any third party. 

Please confirm in writing within 10 days that you have complied with my request. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

For as long as places have been checking my credit, the past 10 years, experience has had difficulty reporting returning credit reports to people that request them from Experian. They say its because of my last name which is just one letter long. XXXX XXXX and another lender have most recently tried to get credit reports from them in XX/XX/XXXX and XX/XX/XXXX of this year to no avail. XXXX XXXX is not able to process my mortgage preapproval because Experian does not return a credit report. Experian has no automated phone service that I can dial into to get help on this, and there is no option to speak to a live person. The only option they give is to write actual mail which has no guarantees of receipt or processing. There is also no given response time. XXXX and XXXX both return reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report through XXXX XXXX on XX/XX/XXXX, I noticed a fraudulent student loan account had been opened, with a balance of {$1600.00}, and a current balance of {$180.00}. This action dropped my credit score XXXX points! I did not generate this action and did not authorize this activity. This account is a result of identity theft. I filed a local police report with the XXXX Police Dept. I have filed a dispute with XXXX, Experian and XXXX and filed a theft/fraud report with the US Dept . of Education where the fraudulent loan was made and with the FTC Identity Theft group. 

Resulting responses by XXXX XXXX and the three credit reporting agencies were that the loan was verified as accurate, based on my social security number. This was the very thing I was disputing ; the someone used my SS # fraudulently! 

Further investigation by the U.S. Department of Education 's office of Federal Student Aid revealed the fraudulent activity was not a student loan, but a Pell Grant and was issued through, first by XXXX XXXX, and later transferred to XXXX XXXX XXXX. 
Their office has confirmed a Free Application for Federal Student Aid ( FAFSA ) for the XXXX award years was applied for in my name, which required the school to award a maximum eligibility in aid funds. 
{$6300.00} in Federal Pell Grant Program funds were awarded to the account for the XXXX XXXX award year, however, only {$1600.00} was disbursed due to an enrollment change from full time to less than 3/4 time, which reduced the Pell Grant eligibility, therefore, {$180.00} of the Pell Grant was a reported as an overpayment. The reported overpayment of {$180.00} is still outstanding. If I allege I am the victim of identity theft and did not attend this school, or complete a FAFSA application, I needed to contact the school directly for assistance. 
I notified fraudulent loan claims with XXXX XXXX XXXX, the Chancellor and Vice Chancellor of the XXXX XXXX XXXX XXXX XXXX, the office of the Federal Dept. of Education Ombudsman and the Department of Education Debt Management & Collections. Each entity kept sending me to a previous entity. I am getting the runaround. It seems simple. If someone would check the registrar 's or attendance office and produce the photo ID card and signature card of this account, it will be clear that this Pell Grant was obtained fraudulently in my name.
Product: Credit reporting 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$7400.00}
Product: Debt collection

I received a letter from Outsource Receivable Management. I received it via regular USPS mail ; it is not certified. The letter is dated XX/XX/XXXX. In the letter it demands in full payment of {$850.00}. It alleges this is a debt from XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I telephoned XXXX XXXX XXXX XXXX and provided them with my personal information ; I also told them I received a collection letter from Outsource Receivable Management demanding payment for a debt. XXXX XXXX XXXX XXXX could not find an account using my information ; nor could they locate any monies owed. They directed me to call Outsource Receivable Management, which I did on Monday XX/XX/XXXX at XXXX CT. 

I spoke with a gentleman and told him the aforementioned facts. I conveyed that I dispute the validity of the debt on the grounds that 1. XXXX XXXX XXXX XXXX can not locate any such account or debt owed in my name. 2. That I never received proper notice from Outsource Receivables Management. The gentleman then stated that in XXXX of XXXX, a notice was first sent ; He alleged that this alone constitutes that I owe a debt to XXXX XXXX XXXX XXXX. This is false and in violation of FCRA. 

I asked Outsource Receivables Management to provide me with a statement from the bank ; with my account information and my name to prove this account not only exists but that I am the owner of it. Because as I have stated XXXX XXXX XXXX XXXX  has no information about such account. The representative for Outsource Receivables Management said that he can only resend the original demand for payment from XXXX. 

This is all in violation of the FCRA. 1. The alleged first notice sent in XX/XX/XXXX was never received by me ; moreover, it was not sent via certified mail. Therefore, notice is ineffective. 2. Outsource Receivables Management has not and can not provide me with information they received from the Bank that actually ties me to the account ; nor can they prove that I even had an account with the bank or owed the bank money. 3. This was verified in a phone call with XXXX XXXX XXXX XXXX collection department today XX/XX/XXXX. 

As such, absent being able to provide me with bank statements with my personal information and showing a debt owed, Outsource Receivables Management has violated the FCRA and as such should withdraw the request for payment and send this account back to XXXX XXXX XXXX XXXX.
Product: Credit card

I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice.
Product: Debt collection

I'm getting repeated cell phone calls from MRS BPO , LLC who are a collection agency and refuse to stop harassing me. I owe them nothing and they know this but they continue to harass me with phone calls.
Product: Credit reporting or other personal consumer reports

XXXX account # XXXX is reporting to transuion collection and last active date on XX/XX/XXXX and a last reported date on XX/XX/XXXX, Experian is reporting a active date of XX/XX/XXXX and last reported date on XX/XX/XXXX, on Account # XXXX, and XXXX is XXXX a last reported date of XX/XX/XXXX and a last active date on XXXX 

all this incoorect information on my credit file is hurting me ... and not mine to began with please delete and remove from my crdit profile
Product: Credit card

The wellsfargo.com dispute website is a disgrace. It is virtually unusable, and rife with errors such as requiring an answer to the question " What is the amount you expec to receive if not the full amount. '' If and when one actually submitting a dispute, nothing happens for some time, then a form letter arrives announcing that the dispute is being investigated and requesting a lot of additional information, most of which the company already has, or has access to. Cardholders are also expected to deal with the dispute via telephone, ensuring that there's no written record of the delay tactics. I have advised the Board of this issue without response. This action is clearly of a piece with the activities which have seen Wells Fargo reprimanded in the past.