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

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX keep on putting false collection account on my credit report. It was deleted before now they put it back again
Product: Credit reporting or other personal consumer reports

This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.
Product: Credit reporting or other personal consumer reports

I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

PayPal has been refusing to let me withdraw my funds from my PayPal account. I have a balance of nearly {$2500.00} in my PayPal account and I have been trying to withdraw my funds using the two options they provide : ( 1 ) transfer of the funds to my bank account that is verified on PayPal or ( 2 ) requesting that they send me a check. I have been trying to take this action for almost a week now, but all of my attempts have been blocked. I have contacted their customer service several times and each time they give me a different excuse, then they tell me they will resolve it, but it has not been resolved. I just want to withdraw MY money from PayPal and then very likely close my account with them, but they are not letting me withdraw my money.
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX 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 card or prepaid card

I ordered a computer from Apple. 
I was told if I got the Apple Card I would get a 3 % discount on the macbook air. 
I was told I would receive a physical card in the mail if I requested it at the time of purchase. 
I requested the physical card at the time of purchase. 
Apple refuses to send me a physical card. 
Apple Card refuses to send me a physical card. 
They say I must use some app on my phone ( which I don't have and don't use ). 
I can not make payments through my bank without a physical card. 
The agent refused to identify herself except saying her name is " XXXX. '' Refused to provide any resolution. 
This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for a business auto loan on XX/XX/2023 I received an email that I was approved in the email it advised me to give the company a call. 

I called in spoke with a representative who also agrees that I was approved minutes later she told me I had been denied because their 3rd party couldnt verify my current address.

I explained to her I could provide proof address she said no and sent me a denial email. I asked to speak to a supervisor she said one was not available and someone would call me back. 

I later received a call from XXXX saying the same thing but they couldnt provide me with the 3rd party who has access to my personal information I would like to know what 3rd party they are using. XXXX stated she would reach out to her manager and give me a call back later which I still have not heard anything back yet. 

I called back later that evening and I was told the 3rd party updates every 30 days and mine has not been updated since XXXX so it seem to me that is an error on the bank end not mine I would like to be given the option to provide proof of my residency so that I can proceed with my loan approval attached you will find the loan approval and the reason for loan denial this is wrong and I am asking for help. 

My address is current on my XXXX credit report which all customer service representatives I spoke with confirmed so I would like to know where they are getting their inaccurate information from. 

Thank you
Product: Debt collection

On XX/XX/2019 I sent a challenge letter to XXXX  and XXXX   in regards to erroneous information being reported on my credit file. I explained to them that I do not, nor have I ever entered a contract with GC Services of XXXX, Texas. Today is XX/XX/2019 and each respective agency has not validated nor contacted me via mail regarding the result of my request. 

Please be advised that I was exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

On the contrary, on XX/XX/2019 I received notice from the collection agency, not validating the debt according to my rights under the FCRA. They instead sent be billing statements, which do not bear any signatures, written consent, evidence of verbal consent on my behalf. Also, they are attempting to collect 2 different amounts and have contradictory information reported to the bureaus as well. GC Services, XXXX, and XXXX   have all failed to properly validate this debt as being mine, but are still reporting this on my credit file which is affecting my ability to obtain credit.
Product: Debt collection

We went into a furniture store and purchased several items. The woman at the register told us that we had a few options, the option that we chose was to pay the purchase price off within XXXX months to avoid any financing. She told us to sign this contract and as long as we paid the debt off within that time, the contract would not fall into place. We were lied to by this store, weve contacted our bank, weve called the store, they wont help us, we called Kornerstone credit, and placed a dispute with XXXX and young PC. No one will hear us, if were unable to get assistance here were going to contact a consumer complaint attorney to help us.
Product: Credit reporting 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, 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 an 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 or other personal consumer reports

I have complained multiple times against this unjust false reporting which has ruined my credit as well as my cosigner 's but it always comes back unilaterally. Actually no one bothers to look at the papers or look into the problem. Not even tell me what is going on with the complaint. And this time I am complaining against CFPB itself for failing to protect my rights against the stalwarts.
Product: Checking or savings account

On XXXX in early XXXX I deposited a check from my personal account with another institution ( as I have done previously between the same two institutions through the same two accounts ) for {$9000.00}. directly into Truist ATM to my personal account. On XXXX XXXX XXXX Bank showed the check as process and debited my account. Truist has refused to release over {$3000.00} of the deposit until XXXX. I have been banking with Truist for years, never have had a bounced or NSF check. I called their online help, told nothing they could do to release funds ( even with over {$5000.00} in my business account there ), I spoke to a supervisor and was told nothing would be done as it was a decision of 'the bank '' and that there was no one that would review the hold further. This account regularly has a few XXXX dollars a month processed through it. Never a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, XXXX XXXX  : XXXX # XXXX ; XXXX  # XXXX ; TransUnion # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Product: Credit reporting or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

inquiries from XXXX  and transunion i did not authorize XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion has wrong info on my home equity loan pay off. 
My XXXX home equity loan was paid off on time. I had XXXX late payments a few years ago but this loan was paid off on time. I went to them and they said they reported it paid off by consumer. Trans Union has it listed as paid Derogatory. I filed an online investigation with them and it still came back as derogatory. The bank says it filed with all the credit reporting as Paid Off. Transunion has it as derogatory.
Product: Debt collection

In XX/XX/2019 I attempted to dispute a debt for XXXX XXXX and for XXXX XXXX  for services we believe are in Texas. I live in Kansas.I am a victim of ID Theft and this is not my debt. I sent a complete packet including police report, id theft affidavit, proof of address, identification all in another state. The debt collector XXXX and XXXX XXXX continually has responded to the dispute validating the debt. This debt is not ours and they keep telling us to call back with no resolution. This debt appears to be in the process of being sold again. 

They confirmed they have copies of all documents
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I was sent here by another agency, thats been somewhat involved in our loan issue. After getting the info they told me to get, they told me to file a complaint with the CFPB. 
Ive attached two documents. One ( 1 ) is the monthly Loan Statement. The second one ( 2 ) is the requested statement were told to get and got by way of email on yesterday evening.

Our issue is that on the 10th of this month ( XXXX ) we transferred the amount of {$1600.00} for the XXXX and XXXX past due payments. These payments are due on the XXXX day of each month. The second document will show that the payment was made and received by FCI (  {$1600.00} ) on XX/XX/2019, but was not applied to the loan until XX/XX/2019.  Meaning also that the past two payments that was supposed to make the account show CURRENT did not happen until after the XXXX day of XXXX and was not included in this months statement dated XX/XX/2019. And by having the payment applied after the XXXX it would make the account statement show us being three months behind, when were are really only a few days away from making this months payment, and still within the grace period. 

Were told that we were a victim of a Deceptive Practice, that is illegal, because a bank, lender, etc must accept all past due payments ( {$1600.00} ). They can only decline or not accept anything that does not bring the account current. The attached two documents clearly show the payments necessary to bring the account current, and was received but was not applied. 
Im requesting the reason why the payment was not applied. After calling on the XXXX right after making the payment though XXXX XXXX, which has always been instant, to get its here but not applied, call back later and we did several times to find out it was there and was received on the XXXX, and after more run around, we later called back on the XXXX and XXXX and was told that they did not know why it was not applied, and that it will be tomorrow ( XXXX ) and it was. The other agency had told us last year after our initial dealings with the operation that purchased the debt, to be careful and by all means dont sign anything or agree to anything. That is why weve been contesting this loan since day one. 
When asking why the payment was not applied, and later being told the account was in suspense. When asking why it was in suspense, it was clear that whatever the reason was we were not told. Now the anxiety knowing that were most likely a part of some kind of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in accordance to the Fair Credit Reporting Act. XXXX account XXXX and XXXX XXXX XXXX account XXXX. 

15 USC 1681 602A I have a right to privacy.

15 USC 1681 604a sec 2 states consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

I hope this message finds you well. I am writing to express my concern regarding a balance transfer request I attempted to cancel with US Bank. Despite my repeated calls and assurances from their representatives that the balance transfer would be canceled, the transfer was processed. 

I subsequently contacted my receiving bank, XXXX XXXX, to reverse the payment. They informed me that the only solution available was to issue a check for the transferred amount. As a result of this situation, US Bank is now charging me a transaction fee, which I find unacceptable given that the issue arose from their failure to cancel the transfer as requested. 

I kindly seek your assistance in addressing this matter and ensuring that the transaction fee is waived. I believe this fee should not be my responsibility, considering the circumstances and the initial assurances provided by US Bank. 

Thank you for your time and attention to this issue. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.
Product: Mortgage

There is a great discrepancy on month to month principal payments even though I have a fixed rate mortgage. When I asked about this they told me that it is because of per diem interest. This has been going on for years now and I do understand per diem interest but there are times the difference is several hundred dollars. They have not been helpful in providing documentation of any of this. I had to formally request an amortization schedule moving forward that does appear to be accurate how
Product: Debt collection

This debt originated from a XXXX XXXX debt The amount was {$150.00}. I contacted XXXX, XXXX, Consumer Financial Reporting Bureau, and attorney general of Georgia
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 instruction.