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

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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 Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX BANK XXXX Open Date XX/XX/ 2013 Balance : {$0.00}
Product: Debt collection

I received a letter in the mail from Interstate Recovery Services in XXXX  XXXX, VA stating a notice of assignment for a debt " I '' owe of XXXX from a creditor named Publishers. The XXXX XXXX XXXX XXXX. XXXX is the phone number. I do not know of this debt, I researched online and I have seen mention of a magazine company. Yes, I do get magazines that I pay directly to the publisher company. But this is the first time I heard of this letter. I never ordered anything from XXXX - who is that anyway. I thought of XXXX XXXX XXXX  but I have never ordered anything from them. This is fraud and using the mail to conduct such fraudulent activities is illegal, as you know. I will have my attorney write them a letter to cease contacting me or prove proof of the debt with my signature. I am not paying this.
Product: Credit reporting, credit repair services, 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 ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX  ( Finance ), has violated my rights. 
XXXX XXXX XXXX Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these accounts and inquiries be removed from my credit file : Accounts to be blocked and deleted : 1. Bankruptcy XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Inquiries to be blocked and deleted : XXXXXXXX XXXX XXXX  XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXU o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

My CD matured on XX/XX/XXXX, a XX/XX/XXXX I called them on XX/XX/XXXX, a XX/XX/XXXX, to request the funds be returned. They said I needed to fill out a written authorization and that it needed to be mailed to me. No email or online option available to get my funds returned. 

I received the form on XX/XX/XXXX XX/XX/XXXX. It did not have a post paid return envelope like the letter said. I had to call ( second call ) to get the mailing address ( not posted anywhere online ). I mailed the form on XX/XX/XXXX, a XX/XX/XXXX I did not hear from the bank nor did I see a check cut by looking at activity on their webpage, so I called again on XXXX and asked status for funds being returned. They asked if I wanted a check mailed and I said I would prefer a ACH deposit. They do not provide that service so they said they would mail me a check. They deducted {$490.00} from my check as a penalty for not redeeming the CD during their grace period. 

Called XXXX ( third call ) and asked for a supervisor, explained the timing and asked that the {$400.00} penalty be refunded. Spoke with XXXX XXXX, Resolution Supervisor. She said she would call me within two days. Never heard from anyone.

Called again XX/XX/XXXX atXX/XX/XXXXon hold for over 30 minutes ( fourth call ) about status of check. I see online that they refunded the {$400.00} penalty. 24 days since CD matured! Spoke with XXXX again. She said she check on the problem and would call me back within an hour. 

Their policy makes it impossible for anyone outside of the XXXX area to redeem their CD within the bank 's grace period. It takes about two weeks to mail out a form, sign it and then mail it back to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I nsent this : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 






Now I want you to remove these items : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I c systems opened up a bunch of medical ones on my Credit and never sent me anything and continues to call and harass me after I did a call with the insurance and them. The dates follow and amounts. 
XXXX XXXX {$300.00} XX/XX/XXXX, XXXX {$340.00} XXXX XXXX {$240.00} XXXX {$200.00} XXXX XXXX {$140.00} XXXX XXXX - {$50.00} Another collection agency called and it's called XXXX XXXX of {$210.00} on XXXX XXXX
Product: Debt collection

In reference to Complaint # XXXX, PRA remains dishonest and does fail to provide any of the documentation requested. PRA is ignoring relevant facts, and continues to harass me, causing an immense amount of emotional distress in my life, ever since they started with this unproven debt back in XXXXXXXX XXXX XXXX. BLANK STATEMENTS do not proof that I owe a debt, I have made that as clear as possible, and yet PRA continues to send BLANK STATEMENTS. In a debt collection case, the plaintiff ( PRA in this case ) must prove they own the debt they're attempting to collect. Merely presenting bank statements showing transactions related to the debt does not necessarily establish legal ownership of the debt. The plaintiff typically needs : A valid contract or assignment agreement showing the transfer of debt ownership. 
A chain of title for the debt, particularly if it has been sold multiple times. 
AT ALL TIMES REUQUESTED PRA HAS FAILED TO PROVIDE THIS DOCUMENTATION.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out 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 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

In accordance with the Fair Credit Reporting Act, the following are in violation of personal consumer rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy. 

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ). 

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, XXXX such requests were made to Experian and XXXX. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, Experian and XXXX continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, Experian continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.
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 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.!!
Product: Debt collection

I have sent out numerous disputes and verification letters to Ability Recovery and the credit bureaus concerning this account to send proof this is my account because I have no knowledge of this account. I have yet to receive any type of correspondence back from them concerning it over the last 5 months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Consumer Loan

I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.
Product: Debt collection

Due to job loss, we fell behind on our credit card payment to XXXX XXXX XXXX  ( " XXXX '' ), which then caused XXXX XXXX XXXX XXXX " XXXX '' ), a collections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by XXXX that we would have nothing bad on our credit report. XXXX lied to us, as they put a judgement on our credit reports. <P/>We read that the CFPB last week filed a lawsuit against XXXX for fraud and deception ; which is one of the reasons that we are filing this complaint. <P/>After we found out about the judgement, we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in Indian, and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, XXXX did it anyway. This seems to be an unfair, abusive, and deceptive business practice by XXXX. <P/>When we told XXXX and XXXX that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to XXXX XXXX XXXX XXXX ( " TD Bank '' ). TD Bank has done nothing to correct this problem, as the employees of XXXX are still servicing the account, and rely on XXXX for legal advise. So they continue to cover this up, and have done so for many years now. <P/>Now that the CFPB has taken action against XXXX, this would be a good time for the CFPB to investigate this matter, and take appropriate action against XXXX, Target, and TD Bank.
Product: Credit reporting or other personal consumer reports

I have reported to XXXX XXXX XXXX about this account reporting incorrect and inaccurate information I have sent them proof of incorrect balance and still continue to report by changing date or payment history to continue to update as negative on my credit
Product: Credit reporting or other personal consumer reports

this acount is not mine and have been fighting it tooth and nail. I need this account removed because it is part of identity theft
Product: Money transfer, virtual currency, or money service

Hi, PayPal close my account without any reason. 
I think because I received money in XXXX. Is ok if PayPal don't want let me use their services but the money in the account I need get access. 

I see my account doesn't have any fraud activity. 

READ WHAT PAYPAL AGREMENT SAID ABOUT XXXX XXXX PRODUCT. 
XXXX PayPal XXXX XXXX is a debit card linked to your PayPal XXXX XXXX balance. The PayPal XXXX XXXX is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal XXXX XXXX account. Funds you hold in a PayPal XXXX XXXX account are not insured by the FDIC unless you have successfully requested a PayPal XXXX XXXX. If you have successfully requested a PayPal XXXX XXXX, then we will deposit the funds in your PayPal XXXX XXXX account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal XXXX XXXX is intended to provide the funds in your PayPal XXXX XXXX account with the benefit of pass-through FDIC insurance up to applicable limits. 

The PayPal XXXX XXXX is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. The XXXX XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere XXXX is accepted. The XXXX XXXX does not hold your PayPal XXXX XXXX funds. 
XXXX PayPal XXXX XXXX account is required to get the card. 
Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, XXXX law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you : When you open a XXXX Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 

In this agreement is clear PayPal said is not a bank. PayPal do not received direct deposit, so, they said are not responsible of the money in the PayPal XXXX services. 

Is clear in the agreement do not specify nothing about if i received a benefit in my account they can hold my money for XXXX days. 

my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Had to have my identity taken at 1st it was listed under XXXX XXXX XXXX = being the 1st name XXXX = the last name my name on XXXX. address Unknown nothing was never delivered to my apartment that I have lived at my apt for 9 years I also have a lease.. I moved here in XX/XX/XXXX. I tried to me the company & they said the owner had a XXXX number called and when more information I needed my ID from that point EVERYTHING Went IN MY NAME. I have no knowledge of what was bought nothing. The police needed more info I have nothing but a credit report that is now in my name that started off under my XXXX name LOOK everything on my credit is in good standings why not this I'm at a stand still... PLEASE HELP