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

*The Correct and Only Spelling Of My Name Is XXXX XXXX *These Following Addresses Do Not Belong To Me I Need It Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Accordance with the Fair Credit Reporting act XXXX XXXX  has Violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on one and I did not and have been fighting to get these removed not only through aidvantage but also trom the 3 agencies that are refusing to listen to federal law in this matter .it looks like XXXX XXXX them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices which violates 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: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed certified documentation for the second time to address fraudulent accounts on my credit report due to identity theft. Despite submitting all required documents, including a police report and an FTC report, the company has refused to honor my request to remove these fraudulent accounts. I have taken every necessary action to prove that I am a victim of identity theft, yet they continue to ignore this fact. 

Additionally, the company has merged my credit file with another consumers file. This has resulted in the wrongful addition of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I did not authorize any of these accounts or pull my credit in the last two years.

I request that the company take immediate action to remove the fraudulent accounts and rectify the errors made to my credit file.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Payday loan, title loan, or personal loan

Approximately XX/XX/2021 I created a website, www.vacationhomesbydisney.com, I was using Paypal for payments on the stie, during the testing phase of my site, I purchased a mock subscription ( s ) for 1.00 then would refund to myself, next thing I see is that my account is restricted, I could not speak to anyone or get any further explanation so I changed to another service. 
I kept my pay pal account open as I had also a line of credit in there, which they also would not let me use! 
I have recently paid it off in full and closed the line of credit as I want NOTHING TO DO WITH PAY PAL. But still, I can not close my account and they refuse to remove the limitations so I can close the account this is bullying to the highest degree. Paypal charges exorbitant fees they are losing business to new competitors I personally didnt like them to begin with and am sick of this unsual restriction. I want the account closed, they keep saying I can not do business with the account that is true but when I click on CLOSE ACCOUNT I get error message saying I can not close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The PROFESSIONAL SERVICE BUREAU , INC. whose address is XXXX XXXX XXXX XXXX MN XXXX has been attempting to collect on a debt already discharged by a 1099-C in the amount of {$14000.00}. I need my account updated to reflect that all payments have been paid as agreed.
Product: Credit reporting or other personal consumer reports

I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. Transunion XXXX and XXXX have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend.

I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : US Department of EducationXXXX for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$210.00} on XX/XX/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.
Product: Debt collection

This is a debt from Paypal that was sold to XXXX XXXX XXXX account number XXXX. I should in fact be filing multiple claims against them. A company claiming to be a debt collector but was Paypal asked me over the phone if I wanted to make payments to this account to bring it to XXXX. I explained that I didn't authorize, sign, or provide authorization for this account to be charged after it had been charge {$100.00} twice, overdrawing my Venmo debit card ( a subsidiarie of PayPal ) that no company had the right to withdrawrl one cent. They did and it overdrew my account so I had to call in to have the money returned which it was three weeks later. Three weeks later they reverse their decision without any notification causing that account to be overdrawn again and more fines to mibe incurred. When I called to see why they 6 weeks later decided that the charges were legit and to charge my account twice once again, this appears to show itself as just fraud and not is with a real debt collector. I kindly ask they go back to be original decision reimburse me for the {$200.00} in unauthorized charges and the additional funds returned be returned immediately, you can XXXX
Product: Debt collection

This is a complaint against NORDSTROM. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXXXXXX XXXX XXXXXXXX on XX/XX/2019 which gave me several months of deferred payments.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Mortgage

I am being foreclosed upon by Countrywide, Bank of America and XXXX XXXX XXXX. 

I filed a complaint, your file number # XXXX I learned today that I have to file a complaint individually of each institution. 

Not only am I being foreclosed on because I could not make payments from XX/XX/2018 until now, the loan balance is nearly triple the amount that it should be. I'm asking for a Reinstatement of my mortgage and can only consider new modifications at a significant lower mortgage principal loan amount. 

In addition, the mortgage Companies are trying to take my lot that I purchased along with the house. I did not Finance my lot with them. The Banks have no interest in my land Their actions of inflating my principal mortgage balance has and still causes me and my family unjustly harm. 

I purchased my home with 70 % down. They have flipped the ratio. 

It was purchased for my business, pay for my last child 's College education and retirement. It has greatly devastated and disrupted everything by them stealing my homes 's equity.
Product: Checking or savings account

Bank of America schemed to collect insufficient fund fees by processing a large withdrawal that was submitted after a number of smaller withdrawals which caused all of the smaller withdrawals to be insufficient. All of the fees are in XXXX 2021. 

I am 100 percent VA XXXX and deposit these funds in my BOA account. I paid all of my household bills and thereafter drafted one large amount. Even though all of the small amounts were processed before the one large amount, the large amount was deducted first causing 14 {$35.00} insufficient fund fees. Many of these fees were the result of small bills being processed numerous times. 

I have been a BOA customer for over 26 years and even though they waived fees from the previous month, they also setup processing that maximizes their ability to erroneously collect these fees. 

I explained that a close family member was just diagnosed with stage XXXX XXXX and along with XXXX difficulties and they were still unwilling to assist with a problem they helped cause.
Product: Debt collection

I had a lease with XXXX XXXX XXXX that ended in XX/XX/2023. I was hospitalized in XXXX so I reached out to the leasing company on how to provide my XXXX  day notice. I was told to have it notarized and sent back to the address in XXXX. I sent notice via XXXX and had signature release. I also emailed the company to make sure they received the notice once it showed delivered. I have proof of the email where the leasing agency says that they did indeed receive the notice. I moved out at the end of my lease. The debt the collector is trying to get from me ( from their own invoice ) is rent for the month of XXXX and other fees related to filing an eviction. I was not sent any information regarding the alleged debt until it hit my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end late for and purpose.
Product: Checking or savings account

On XX/XX/2022 I made a {$200.00} deposit via the Truist Mobile Banking App to offset some purchases being made. Truist put a hold on my funds until XX/XX/2022 ; a full 10 days. In the past XXXX hours, they have charged me XXXX separate overdraft fees of {$36.00} totaling {$210.00}. When I contacted them to address the situation, I was told that since my account is new they have to hold mobile deposits for 10 days and that they would not refund my overdraft fees as my account was " too new '' to be eligible for such a courtesy. 

How is this not theft?
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I look at my credit report to & I seen inaccurate information I have 3 collections that are not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX those are third party contracts I dont not have a contract with these companies this is a violation to the fair credit act USC1681B I would like for them to be removed immediately
Product: Vehicle loan or lease

TO : Heritage Acceptance Corporation RE : Second Notice of XXXX Second Request for Copy of Police Report and Sale Price I am writing to formally request documentation regarding the repossession of my vehicle XXXX XXXX on XX/XX/year>. 

Police Report : I request a copy of the police report related to the repossession. This is my second request, as I have not yet received a response. The police report is essential for my records concerning this matter. 

Sale Price Information : I also request the following details regarding the sale of my repossessed vehicle : *The final sale price at which the vehicle was sold. 
*The date of the sale *Any documentation regarding the sale, including the method of sale ( auction, private sale, etc. ) and any surplus or deficiency related to the sale. 

As the borrower, I am entitled to this information under applicable laws and regulations regarding repossession and sales of collateral. I appreciate your prompt attention to this request and expect a response within 14 days. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Late open : XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Late close : XXXX XXXX XXXX Balance : {$0.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Inquiries RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX