23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status 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: Money transfer, virtual currency, or money service

I am filling to complaimt about Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulatio
n E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX on XX/XX/XXXX XXXX applied for a credit card. No action by me or the company XXXX XXXX XXXX XXXX  XX/XX/2023 someone applied for a credit card No action by me or company.
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX XXXX XXXX  ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ Auto Loan Account # XXXX ] reflects a late payment for the period of [ XX/XX/year> ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to my records, the payment for the aforementioned period was made on [ XX/XX/year> ] via [ cash deposit ] and was processed without delay. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim.

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account.

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Credit and profile accessed with locked social and credit freeze.
Product: Credit reporting

The address from XXXX is not mine. I never even lived in XXXX.
Product: Credit card or prepaid card

This complaint is about PayPal Credit and how they structure their monthly and autopay experience. 

PayPal Credit offers 6 months interest free on internet purchases of more than {$100.00} - great service. 

And while they very kindly let you know in the payment reminder email the amount you need to pay each month to avoid incurring interest, they do not offer a box to check - e.g., " Amount to Avoid Interest '' - in their monthly payment flow or in the autopay flow. You have to remember the amount and enter it in the " Other Amount ''  option. 

So, less digitally savvy people might set up autopay and not realize that " Minimum Amount Due '' does not equal " Amount to Avoid Interest. '' This is deceptive and abusive and I believe they should stop this practice or be fined. 

Thank you
Product: Consumer Loan

I have a title loan with Loan Mart ( XXXX ) I have been trying to settle the loan since XXXX, 4 months now, and after talking to several representatives who said they would get a discounted Pay Out total, the total has never been provided. In the process they have sent me offers to defer payments to the back of the loan i.e. extend the loan at $ XXXX interest per day on top of the excessively high interest. I have now resorted to email communication to keep track but they refuse to respond. They have blocked my access from the website and remove ability to pay with a no fee bank draft. Later found option to login but only pay with high fee options. I spoke to a representative and she refused to allow me to make no fee payments. 

During this process they have made me incur about {$1000.00} in interest and have been trying to reposes my vehicle. In other words, instead of facilitating a Total amount and guarantee of settlement in writing so I can end the loan, they are giving me the runaround, limiting my ability to pay all to raise the total and reposes my vehicle. This has cost me over {$1000.00} in fees which I should n't pay as I requested a Pay Out total in XXXX 2015. When I entered into the contract I was told I could request a payout total and settle the loan in full and get my title back at any point. They have not provided that option and just push to accelerate fees and charges to reposes my car. This is a fraudulent practice. I have tried to address this with the manager XXXX XXXX who as of now has refused to respond in any way. The loan account is XXXX Loanmart is fraudulently steering loans into growth and default to either extort higher interest out of a contract and prevent a settlement or reposes and sell vehicles worth many times more than the loan value
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  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

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Money transfer, virtual currency, or money service

At XXXX XXXX XXXXXXXX XXXX, I receive a call from XXXX. It is one of the board numbers listed on the XXXX XXXX XXXXXXXX Sheriff Office XXXX XXXX XXXX XXXX XXXX. I miss the call but check the voicemail they left. It said " yes this message is for XXXX  ( my name ) ... this is XXXX XXXX XXXX from XXXX XXXXXXXX XXXX Sheriff Department... you can reach me at field device number ... that number is XXXX " When I check the missed call was in fact listed on the Sheriff Office website, I call back at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX Time. This person, supposedly XXXX XXXX XXXX, answers my call and explains that I missed a court appearance and was being held in contempt of court. The case materials for jury duty were served in-person. When I said that I did not receive, he said that my matter would be processed as DNR ( Did Not Receive ). Then he advised that per the Judge orders, I have 72 hours to be criminally charged and arrested or be processed in a civil proceeding. The civil proceeding would involve a payment of bail money ( refundable ) for {$3000.00} for contempt and another {$3000.00} for XXXX ( do not remember what it stands for ). He also said that per procedure I can not hang up and talk to anyone else. If I do not comply, I would be deemed as absconding and my XXXX XXXX license would also be tarnished and potentially lose my employment prospects as well. Then he transferred me over a XXXX XXXX who walked me through to process the payment via XXXX, a funds transfer service that most bank apps use. They suggested that due to COVID, procedures were updated and they could take payments over the phone. I could not believe I was doing it. As there was limit, I ended up processing 2 payments, one for {$5000.00} ( from Chase Bank ) and another for {$3500.00} ( from XXXX XXXXXXXX XXXX ). They put me on-hold for several minutes on the phone and then said that the subpoena has been lifted and I need to an additional sum. This was for finger-printing analysis as the case materials that were supposedly served to me in-person ( that they had mentioned earlier above ) were fraudulently received by someone else on my behalf. So this XXXX XXXX suggested I use XXXX XXXX. When XXXX XXXX blocked the transfer, it occurred to me that it is very likely to be a scam. So I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX dispatched a police officer to make the above notes. I am not sure why he asked if I wanted to press charges or not. He also advised that the likelihood of this scammer being caught is low. While I have reported this to the banks that I use, I am very skeptical if all this would make any difference let alone recover the money. Chase Bank said that while the money transferred was in response to the scam, they may not be able to recover it. And I thought they had insurance coverage or somehow be able to reverse the transfer since I reported it right away. As a law-abiding citizen, I truly believe I did the right thing to cooperate with law enforcement but lost money in the process. I hope the banks to cooperate and hold someone accountable somehow for what happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on all 3 of my credit bureaus for a credit card that was included in my Chapter XXXX bankruptcy. This card was included in my bill of matrix when I originally submitted my documents for the matter. It should not still be reporting on my credit as a derogatory account once it has been discharged.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Accounts ending in XXXX and XXXX on all 3 credit bureau reports are reporting charge-off as the status under the accounts after they were settled and paid off with XXXX XXXX XXXX XXXX This is inaccurate reporting of information and I am requesting that the CFPB please have these inaccurate remarks removed from my account and updated to settled-paid as agreed.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately.

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law.

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number.

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

For XXXX XXXX Account # : XXXX Account # : XXXX. On Equifax, the payment history shows on this account as follows : XXXX XXXX XXXX on XXXX XXXX Whereas XXXX and Equifax Credit Reports, the payment history shows XXXX XXXX Past Due 30 Days The consumer reporting agencies need to report all information with complete accuracy. This account are being reporting inconsistently across credit report which violates the Fair Credit Reporting Act. I've attached a copy of my report to this complaint. I am now requesting you to investigate this account and update these payments to paid on time on all credit reports immediately! 

Thank you for your understanding and prompt action.
Product: Debt collection

Attempted to dispute with company after they added 3 negative accounts to my credit profile and have not heard anything back from them. I've advised this is fraud via certified mail to the company. I have not been to a medical professional, doctor, or hospital in over 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing late payment on multiple of my accounts on my credit report, I would like this verified & these negative items moved off my credit report. 

Below are the Account Holder Name and Account # XXXX : XXXX XXXX XXXX XXXX - XXXX ( XXXX & XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Barclays Bank Delaware ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Barclays Bank Delaware ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE HELP ME TO VERIFY THESE LATE PAYMENTS ; NO ONE ELSE SEEMS TO ABLE TO HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquires on my credit report that I have no knowledge of. They are falsely reported without my consent from unknown creditors.
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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Mortgage

We were assured that we could apply for a loan and that the application process would be simple. The mortgage company misled us and requested voluminous documents without disclosing that the application process would be extremely burdensome. I complained multiple times to the mortgage company, but they have deferred to their underwriter who keeps creating new requests. These delays are going to cause us to incur a late payment penalty with our current mortgage because we believed the mortgage company was that a decision would be made after we complied with prior requests for documents.
Product: Mortgage

I seen on the internet that Wells Fargo are being sued due to wrongful foreclosures. I am one of the people who had a mortgage with Wells Fargo that was wrongfully in foreclosure and that Wells Fargo were unable to modify my mortgage. This happened to me in XXXX  XXXX. They would not even try and work things out with me. I even went to onXXXX of the Wells Fargo banks in XXXX XXXX  to pay on my mortgage and they would not except my payment.
Product: Checking or savings account

PNC has blocked any and all external apps from accessing an account. I have several savings apps attached to my bank and I am unable to withdraw any of my money because PNC wont allow it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.
Product: Checking or savings account

An illegal host of characters have stolen my identity, closed bank accounts at USAA, cashed out my pension and investments at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They have stolen my XXXX XXXX payments and illegally signed me up for Medicaid so they could receive the benefits. I have trried reporting this and have taken them to court to no avail. The THEIF is XXXX XXXX XXXX in XXXX XXXX, Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
Product: Money transfer, virtual currency, or money service

On or before XX/XX/XXXX, Citibank established a checking account to accept XXXX payments. On XX/XX/XXXX, I paid a fraudster {$500.00} via XXXX to this Citibank account based on the belief that Citibank had completed required KNOW YOUR CUSTOMER diligence. After unsuccessfully trying to resolve this via my bank ( XXXX XXXX XXXX ) and Citibank and XXXX, I filed a police report in XX/XX/XXXX. Recently, the police informed me that Citibank informed them ( under subpoena ) that the account was in fact based in XXXX, not the United States, and that KYC processes had not been properly followed based on online account opening. Citibank also accepted that the account had been used in money laundering activities. 

Citibank failed to protect the financial system and failed to perform required due diligence in setting up a fraudster account.