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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT ATTACHED AS PDF IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to Equifax by fax and received a confirmation that it went through, they're claiming they have not received it. XXXX  provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers Equifax # XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that 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 XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair act credit reporting act XXXX account ending has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604A 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 late payment on a credit plan as late for any purpose. i was held accountable for a late payment on my credit i was charged a late fee and paid XXXX XXXX XXXX unlawfully.
Product: Mortgage

Mortgage company was Ocwen Loan Servicing and transferred to PHH Mortgage last year 2019. I could no longer make payments online to Ocwen. I contacted Ocwen over the telephone and they stated they no longer have my mortgage account and it was bought by PHH. I called the new number provided with my same account number and social security number and no account was found. Throughout this confusion I was in and out of the hospital for XXXX XXXX. I was admitted to the hospital and received a XXXX transplant XX/XX/2019. I have all documentation of contacting the law firm that took over my account, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. We have spoken in regards to my account ONE time and now it is in foreclosure.I am not getting anywhere with my account. I want to keep my account and house.I do not want it sold.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Dispute of Inaccurate Late Payments for XXXX Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement. 
TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress. 

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID.

Copy of my Social Security card.

A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/2024 and XX/XX/2024. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX regions bank sent me a text alert about a XXXX charge for {$150.00} the text ask if I made this charge I responded no because I do not have a XXXX account. The bank then notified me that they cancelled my debit card. I then called the bank and disputed the charge as fraud on XX/XX/2023 They then denied my dispute saying I needed documentation from my XXXX account showing I didn't make the charge but I can't show documentation because I do not have a XXXX account. I contacted XXXX they told me to dispute the charge with my bank. I have banked at regions for XXXX years and in that XXXX years there has never been XXXX charges because I do not have a XXXX account. This XXXX charge was fraud I never made that charge but regions is refusing to refund the money taken from my account because I have no documentation how can I have documentation from something I don't have. I do not nor have I ever used XXXX. I signed up for text alerts for extra security on my checking account but what good does it do when I respond that it isn't me making a charge and they refuse the dispute. This charge was fraud.
Product: Checking or savings account

Everytime I go to bank my money had pending charges now they tell me don't use account to close for the weekend to close Monday of today and they still wouldn't close it., I want a new bank pnc is not the best. I have been hacked and fooled as well as card locked.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX debit card was stolen and fraudulent transaction occurred. I notified them the following day. After a 10 day investigation my claim was denied.
Product: Debt collection

Various accounts were opened in the year 2023 XXXX I was unaware of credit because it has been bad for years due to bad school loan.. so credit was never really an option for me ..come to find out I was attached to various accounts including XXXX, XXXX, XXXX XXXXXXXX XXXX.. There has been various notifications from our post office of stolen mail. And I have received numerous alerts and letters stating accounts being attempted to open. Police report was made as well with XXXX Police Department.
Product: Vehicle loan or lease

I received a notice from this company showing " Cancellation of Debt '' but it is still showing on my XXXX credit report. I am needing the account deleted from my Credit reports. See Attached documents
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : XXXX 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX 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

The account is being reported incorrectly. I see several repetitive late marks which is a violation. Also, the date last active is inaccurate XXXX  is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. All 3 dates should be the same.
Product: Money transfer, virtual currency, or money service

Hi, I would like to make a request using this complaint, if PayPal can allow me to withdraw the money from my PayPal account? 

I am running on medical issues and I would like this money to cover the cost of medication. 

I will be humbled upon if the higher management can allow me to withdraw the money from my PayPal account. 

Please let me know.
Product: Checking or savings account

This is the 15th time in a few months that chase has disappointed me as a customer. I reported an unauthorized charge on my account to which the representative rudely told me I have no right to dispute the transaction due to some asinine 60 day liability policy that they uphold. The transactions were two fraudulent transactions made my XXXX XXXX on XX/XX/XXXX and one in XXXX. Honestly, this is the last time I will complain about this company before I take further ( legal ) action. There is absolutely zero regard for me and my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding midland credit management FCRA violations and they are still reporting inaccurate information across all 3 of my credit reports. As I am looking at my XXXX XXXX, XXXX and XXXX report I see that the information such as dates, balances, and etc are all different. Also I have asked for validation of the alleged debt. I know about the FDCPA laws, and I still have not received a signed contract with my signature stating I owe this alleged debt. I am sending all the dispute letters and responses to my attorney, if nothing is done after submitting this complaint I will pursue a lawsuit. Thank you in advance for investigating this matter.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed on XX/XX/23 the same day I made the payment in full. Because both happened on the same day the company said they would remove the repossession fee. After calling for months and being told it was being removed Im now being told it will remain on the loan and is pushed to the end of the loan and it cant and wont be removed.
Product: Credit card

XX/XX/year> ... ..once again destiny card is saying get approved for the same {$700.00} card I was turned down on.XXXX ..it 's become harassment when ive hit unsubscribe, report spam and they wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from U.S. Bancorp dated XX/XX/XXXX stating that they were unable to open a checking account for the Plaintiff. The application id was XXXX. As per the letter, the adverse action happened on or around XX/XX/XXXX. However, I never applied to open a new bank account with the bank. I sent an 609e requests which was delivered to them via certified mail on XX/XX/XXXX, XXXXI received a call from XXXX ( Phone number XXXX XXXX XXXX ) confirming that the letter was received. As of now, U.S. Bancorp to provide documents required under 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background Check Services has incorrect information and missing information about my criminal history. For cases that have been closed and cleared and even dismissed are showing as charges and active warrants for my arrest! 
I tried to report to them to correct the info WHICH I NEVER CONSENTED FOR THEM TO LIST ABOUT ME ANYHOW, and they have not! It is severely affecting my ability to get employed or stable housing!!! 
They also have inaccurate information and missing information regarding my drivers license status and when I first got my drivers license and when it was revoked and that it has already been past expired of the fact that I can renew it and have completed the necessary requirements to be driving again!! It started in XXXX and its been paid off and everything should be cleared! 
I have the right to travel and they are blocking me from doing that as well!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated what is known as a " reversal '' of a XXXX deposit to my Cash app XXXX wallet. Cashapp informed me it was unable to accept it due to unspecified " security reasons. '' I reversed it to my XXXXXXXX XXXX wallet. Upon inspection, it was sent to coin base with less than ten percent of the original fee. XXXX shows it as received. Cash app confirms it was received by XXXX network on the tenth. However, I still do not have access to the funds. XXXX has stated it has simply not been confirmed and to contact cash app. Cashapp states to contact receiving wallet. My tax documents from either sight don't show this amount in any of the 1099s for 2023. I do not know who I need to contact regarding this. It is the industry standard that after a few weeks at most the funds will be kicked out of the mempool and would need to be resent. It has been three months. I have contacted both companies numerous times seeking resolution. Exact dates and times would be excessively burdensome due to the sheer amount.