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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have 6 unauthorized inquiries on my Trans Union credit report that I did not authorize that I demand be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/XXXX, I noticed that there was fraudulent transactions on my account as well as ATM withdrawals. I notified the bank and filed a claim. After filing the claim I gathered all the information I could about what could have happened and filed a police report. I was almost 100 % positive I knew who had stolen from me which was reported to the bank and local police. After a week or so I received a denial letter from the bank statin that I either authorized or allowed the person to use my debit card for the charges. I called the bank back and refilled the claim explaining to them that I most definitely did not let anyone use my card or take money out of my account. I had informed them of the ways this person was able to take the money due to the fact that I use my XXXX XXXX to pay for things with the XXXX XXXX  feature and my card was in a drawer in my room. The person I was seeing had stolen my watch and was using it for codes needed to authorize certain transactions. As well as the fact that she would have had multiple opportunities to see my pin when we were out doing things and I had to pay with pin. The bank was also given a 3 page personal sworn statement and as of today, XXXX XX/XX/2021 the claim was denied for a second time. When I called I was told pretty much I was XXXX  The atm withdrawal was done at a Bank of America branch and they would have been able to pull the footage and see it wasnt me who took the money and that it was a women, the person I was seeing who then stole a bunch of stuff from me, and be able to verify my claim. Instead they told me there is no use in filing an additional claim as it wont be able to do anything. Im at a loss for words at XXXX I am. The total of the claim is {$2400.00}. That is a large portion of my income which is my VA XXXX. I have no job and this has put me in the red so far I dont believe I will be able to get back out if not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute made in error nor is a third party credit repair working on my report. I am working on repairing my own credit report. Please honor my request and stop sending me letters stating that my disputes and concerns are made in error! I was looking at my credit report and noticed that there are multiple inaccuracies and violations of the fcra on my credit report. I did not give any person or representative of any reporting agencies my consent to have, obtain, and or use my non public personal information. According to the fcra and one that want to furnish any information on my consumer report I need my written consent which they do not have. I have a right to privacy and that has been violated as well. I did not sign any contracts with the reporting agencies nor did i do business with the companies that are reporting the alleged debts. The items that are being reported are fraud and can not be proven to be truthful by demonstration The below accounts are inquiries are being reporting fraudulently and accurately. 
XXXX XXXX XXXX  # XXXX
Product: Debt collection

I'm submitting this compliant in reference to CREDIT COLLECTION SERVICES knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Product: Credit card or prepaid card

I have a chase southwest credit card. At the beginning of the year, I enrolled in one of those chase pay over time plans where they advertise that you don't get charged interest on things you enroll in the plan. After months of paying on the bill, I noticed that my overall balance was not reducing. As a result, I decided to try and pay {$2000.00}, the total amount on the non-interest saving balance so that all that would be left is the pay over time plan portion. I logged into my Chase account and to my surprise there were only options to pay the card in full or pay the interest saving pay over time balance. I obviously didn't want to pay the portion that was not accruing interest and since there isn't an option to select that I called Chase. I asked Chase to apply the XXXX to the amount that was accruing interest. They told me that they could not allocate funds that way, but once I made my monthly payment, any extra would go towards the amount with the highest APR. So I made my monthly payment and then paid XXXX  extra so that it would go towards my non-interest saving balance. Low and behold when I logged into my account today they put all of my money towards the pay over time part that was not accruing interest. These seems to be a violation of consumer 's trust because it's misleading how the entire program works, they specifically lied about how they apply payments, refused to apply payments the way I asked or even provide an option consistent with consumers having an option to choose how to apply payments above and beyond the minimum. It took a lot to pay that money at once and it feels wrong that they are able to just take it and keep me in revolving debt by applying it however they choose. I tried calling to get them to resolve this, but I couldn't talk to anyone to get help. I decided to file this complaint because I'm sure that I am not the only consumer they have done this to.
Product: Money transfer, virtual currency, or money service

An international buyer from the XXXX purchased a XXXX XXXX XXXX. The buyer requested an invoice which I sent. The buyer paid for regular international postage and no insurance. The buyer transferred the funds via Paypal. The buyer and I were in regular communication since I had never sent a package internationally to a buyer. When the large flat envelope was ready to be shipped, the Paypal account included mail service. The buyer did not pay for insured mail. The buyer then filed a complaint with Paypal. So, I sent the item to him via regular mail per the invoice. On XX/XX/XXXX, I mailed the envelope. Paypal refunded the buyer the money. Paypal claimed they had no verification I sent him the package. I did. But the buyer did not pay for insurance. The invoice states the parcel will be sent via regular international mail. Protection is not mentioned. The buyer received the invoice before transmitting the funds and voiced no objections. Mailing costs were a concern to him. 

But the buyer did not pay sufficient postage for tracking and the invoice clearly states, the package would be sent uninsured via regular international mail which it was sent. In fact, a complaint was filed with the USPS when I purchased the stamps since the postal worker was nasty. Everything is paper trained. 

Paypal refunded the buyer his money, while still charging me a fee and I received no funds despite sending the package to the XXXX. Paypal is participating in theft and fraud and a scam by the buyer.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the numerous unsuccessful attempts to correct the late open accounts that are inaccurately reflected in my credit file. Despite my continuous efforts to rectify this matter, the corrections have not been implemented, causing significant distress and impacting my financial standing. 

I initiated the process to address the late open accounts on my credit report by submitting disputes through your online dispute resolution system. Despite these multiple attempts, the corrections have not been made, and the inaccurate information continues to adversely affect my creditworthiness. 

The presence of these late open accounts has had severe consequences on my ability to secure favorable interest rates, obtain credit, and engage in various financial transactions. I have diligently followed the established procedures, including contacting your customer service department on numerous occasions, yet the promised corrections have not been made. 

I understand the importance of maintaining accurate and reliable credit information, and I am committed to ensuring the integrity of my credit file. However, the persistent challenges in correcting the inaccuracies have left me frustrated and concerned about the impact on my financial well-being. 

In light of the above, I am requesting an immediate and comprehensive review of my case. I expect a thorough investigation into the late open accounts on my credit file and the prompt correction of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$23000.00}.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2020 On both my husbands account and my account the company has a XXXX balance and a XXXX amount due but both accounts show monthly payments and high balances in the past 2 years. We paid off both accounts 2-3 years ago. Spoke with the account company in question and they show as paid off. The mistake is being made by TransUnion as showing we are making monthly payments for the last 20 months on XXXX balances. I just want it taken off our accounts. After waiting over 1 1/2 to speak with someone when I asked to speak with a manager I was sent back into waiting for another assistant. Waited over another hour and hung up. These companies don't care about my credit or my husbands as I have tried online to get through to also XXXX and XXXX  and neither one can you do your info online and no live person to help when you call.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency , block all accounts listed below appearing on my consumer credit report the result of identity theft and fraud. The fraudulent, inaccurate, and false information are listed as such : 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 XXXXXX/XX/XXXX. These accounts have been associated with several fraudulent hard inquires, collections, false information placed on my consumer credit report. I do not recognize the information being reported and all accounts mentioned about were not initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Company calls, usually from XXXX XXXX every day. Robocall tells me to call back, I call back, but they say I am not in their system, and I have to wait on hold to speak with a manger to be put on their do not call list. Every time, they tell me I will be added to a list, or taken off the list, but their robocaller continues the harassment. They still can not find any record of my number, and call every day.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

my house was damaged by a tornado on XX/XX/XXXX. 
i sent my insurance settlement check in the amount of {$100000.00} next day air on XXXX to my mortgage company, Flagstar Bank, which received it on XXXX. copies of paid receipts for repairs which had already been completed including a roof replacement, as well as required deposits to order items including 3 windows, garage doors, and a fence, plus the bills to remove trees from my attic, driveway, fence and swimming pool. i received a phone call on XX/XX/XXXX informing me that my check for the first installment would be mailed on the following wed. On monday i called to confirm that was still the plan and to inquire why certain items which had been marked as received and accepted were now reported as inactive. i was told i need a new repair affidavit because the notary did not date it. ( He did but not to their satisfaction ) i was told if i faxed it to a supervisor 's fax rather than the general fax number or emailed it that day the check could be issued by the end of the day. It was faxed and emailed but not until the afternoon and when i called to speak to the supervisor at flagstar, she was no longer available and did not call back. the following day it was sent again. calls were made in an effort to speak to her but again not returned. the next day the mortgage was refinanced with rocket mortgage and flagstar told me they would no longer release any money and it would be 30 days before the funds transferred to rocket mortgage. the customer service representatives at flagstar were unwilling to explain why they could not release the initial XXXX or why it would take another month before they would send the proceeds to the new mortgage holder. the only answer provided was repeating that it takes 30 days even though their website already reflects the payoff and XXXX balance. once again no supervisor was available to talk to me and no supervisor called back. the insurance company can not help since the check was already cashed. XXXX  XXXX  can not help because they haven't officially been told the funds even exist.
Product: Credit reporting or other personal consumer reports

Failure to process Dispute letters : Within the last 60 -90 days, several disputes letter have been sent to the credit bureau, only for me to receive stall letters. 

The Credit bureau is violating my right as per 15 USC 1666b- Billing error Also this account is inaccurately being reported across the 3 bureaus, thus the LATE PAYMENT -XXXX XXXX should be deleted due to inaccuraries see attached credit status snapshot. 

also this late payment is been inaccurately being reported across the 3 bureaus, thus its should be deleted due to inaccurate reporting. 

1. UNDER 15 USC 1666B - THIS IS A BILLING ERROR ...... I did not receive periodic statement including the information required by section 1637 ( b ) of this title via mail or delivery to me not later than 21 days before the payment due date. 
Late payement -XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report and update to Paid as agreed or Paid and never later. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Debt collection

In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX   XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. 

It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.
Product: Credit reporting or other personal consumer reports

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX ) BK OF AMERICA ( BANK ) - INQUIRY DATE ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX, This CFPB complaint has to XXXX filed to request pursuant to FCRAFCRA 605B ( 15 U.S.C. 1681c-2that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital One under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX under the account number ( private ), a student loan account opened with XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against 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 XXXX XXXX form, leaving my account vulnerable and unprotected. This is unfair as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.