23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A XXXX XXXX requested Via Zelle I sent XXXX to the account connected to the property manager XXXX XXXX XXXX for a deposit on an apartment I was applying to rent. The renter called and requested I send the funds to secure my listing on XX/XX/XXXX. I was waiting to meet and view apartment, sign lease the following XX/XX/XXXX but they were delaying the process and I explained I wished to receive a refund and that it would take 7 business days but I wanted the refund immediately for poor business practices and potentially fraud in offering the home. I filed with federal business burea.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that 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 1681b ( 2 ) And pursuant to 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 any purpose. '' I demand my late payments ) be updated to paid on time according to these U.S. laws. 

Please update account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards. 

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.
Product: Debt collection

They are calling family members and leaving threating message to show up on job with sheriff and supervisor or come to house with sheriff. I encouraged them to come on or meet at Sheriff office and to stop call me and my love ones and getting them up set.
Product: Credit card or prepaid card

Subject : Complaint regarding American Express account closure and denial of refund for annual fee Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express regarding the denial of my request for a refund of the {$690.00} annual fee. I believe that these actions are unjust and require your intervention to ensure a fair resolution. 

On XX/XX/XXXX I opened an account with American Express, expecting a satisfactory level of service and transparency. However, after only a few months, they closed my account. 

I was charged an annual fee of {$690.00} at the time of opening the account. 
Given that I had not even had the opportunity to utilize the benefits and services associated with the card for a full year, it is only fair to request a refund of the annual fee. 

Despite my formal request, American Express has denied my refund without providing any reason for their decision. 

The actions taken by American Express have left me feeling misled and frustrated as a consumer. I believe that their actions are in violation of fair business practices and consumer rights. Therefore, I kindly request your assistance in thoroughly investigating this matter and ensuring a just resolution. 


I trust that the Consumer Financial Protection Bureau will take my complaint seriously and address this matter promptly. I seek a fair resolution that upholds consumer rights and holds American Express accountable for their actions. 

Thank you for your attention to this complaint. I eagerly await your response and appreciate your efforts to protect consumers ' interests. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and dispute address on line providing documents on what should be my address an Experian is still not willing to deleted previous address that are not mine
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. 
The account that reappeared is XXXXXXXX XXXX account # XXXX i demand that this company block and delete this account in accordance with the law. Ive reattached the ftc report as well as the police report and verification of my identity.
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 NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Recently, I noticed an increase in my monthly mortgage payment from approximately {$1300.00} to {$1500.00}. Upon reviewing my account, I discovered a charge of about {$1800.00} on my escrow account. I contacted Mr. Cooper, who informed me that this amount was transferred from my previous mortgage company in XX/XX/year>. I provided proof showing that I have been paying for my home insurance directly since purchasing the house. Despite submitting all the necessary documentation, I have yet to receive a response, and I have already paid nearly {$1500.00} of the {$1800.00} charged.
Product: Prepaid card

I earned XXXX gift cards from my work ( {$200.00} and {$400.00} ) which I wanted to use for purchases on XXXX. I have tried everything to get these cards accepted but to no avail. I made several calls to Amex who told me that they are " temporarily unavailable '' for use on XXXX due to " technical upgrades ''. Unfortunately, Amex gift cards still can not be used on XXXX. This was in XXXX, and it is still not resolved. I also tried using the cards on XXXX, XXXX, XXXX, XXXX and XXXX with the same results. 

How can Amex offer these " gift '' cards that do not work anywhere? I feel like I am being robbed of XXXX I earned. Can you help resolve this issue? I am sure I am not the only one who is having this problem.

Thank you for you time.
Product: Debt collection

I received a phone call from Quantum Collections on XX/XX/2020 and was left a general message to contact them back. I have received zero contact from them as of todays date. 

When checking my credit report today I found they have reported this debt to all three credit bureaus as of XX/XX/2020. The creditor they have listed is to a doctor that I saw last year, to my knowledge this doctor was paid in full. 

As of todays date I have yet to receive any initial communication from this collections agency regarding this account as required by the FDCPA. They have now reported to three credit bureaus information I dispute as inaccurate a violation of the FCRA. 

Despite having never consenting to electronic communication out of courtesy to this collection agency I did check all of my emails to verify they didnt send the initial demand by email and found no communication. I do receive daily emails from the postal service with mail being delivered, as such I do have documentation of proof they have never sent a initial notice prior to commencement of collection activity and credit reporting. 

This is both illegal but it is causing me injury ; had they complied with the law I would have promptly disputed the information and if the account is shown to be valid would be happy to arrange payment.
Product: Mortgage

On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account. 
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights XXXX. No Account # was posted
Product: Debt collection

I recently was having my wages garnished by a debt collection agency ( Eltman Law, PC ) they were garnishing my wages for more than XXXX moths. Once I noticed and realized what was happening I contacted ( Eltman Law, PC ) they sent my a letter stating the ( Creditor ) and the ( Amount owed ) and ( Account # ) they said the account was opened on the year ( 2000 ). This account does not belong to me. Also if this account is from the year ( 2000 ) its been more that XXXX years that this debt has been outstanding. It is ILLEGAL for ( Eltman Law, PC ) to collect.
Product: Student loan

XXXX this claim was closed prematurely without allowing response. 

Attached is a screenshot from DOE regarding XXXX refunds. As stated it goes based off my VA XXXX  date which is XX/XX/XXXX not when the XXXX application is submitted/approved. Aidvantage is arguing for XX/XX/XXXX when the TPD was approved, which is incorrect. Aidvantage is in violation of DOE policy. 

Screenshot taken from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO with experian went down from XXXX to XXXX after they reported a late payment that does not exist wit XXXX XXXX XXXX. I have never had a late payment in my credit history. I tried to do a dispute online, and their site as not working, I called them, and call the with my Experian account in front df me with a open Credit Report as of XX/XX/2022 and the person at the other end tells me that there were no late payments in my report. I explained to him that the decrease in my Credit Report was also showing in MyFico site, and he kept insisting that at his end everything was fine and he could not explain why my Fico Score decreased more that 50 points. As asked to dispute the Negative mark in my report and he told me that he could not do it. So I asked to talk to a supervisor, was put on hold for 30 minutes and no one answered. So no dispute, no late payment in their report, late payment on more and I lost more than 50 points in my CR. I anyone in Charge?

This may have happened because we had a serious car accident, XXXX told us to stop the payments, actually the account shows as CLOSED in my report. ( See attached XXXX XXXX ). When I talked to the they show the account as OPEN????, even though in the report in front of me shows up as CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called Bank of America because a month earlier I asked them to close my credit card account along with the two checking accounts I had open. They said ok so I assumed it was taken care of. 
A month later I see a statement in mail saying there is a balance. I called and told them this account was closed and gave them my credit union account info a said please pay off the balance and close it for good this time. It was for the amount of {$82.00}. Again I assumed it was handled again. A few weeks go by and I get another alert that this account was past due. I called and asked why and they said the payment I gave them came back which is impossible because XXXX XXXX said its the correct info and it has more than {$5000.00} running balance at all time plus has {$1000.00} over draft meaning it would have paid the {$82.00} no matter what. Bank of America must have gotten my XXXX XXXX  account info wrong which kept them from getting their money and didnt want to admit it. Because if this banks lack of doing their job now I have a 30 and 60 day late on my credit report. I have perfect credit with a score of XXXX and have NEVER paid anyone late in my life and I want this off my credit because I paid them many times. I paid them again on XX/XX/2022 and paid them once again to pay off the balance and close the account. I want this closed, reported closed and the late pay blemishes off all three of my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX Acct # XXXX & XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Product: Debt collection

As soon as I found out they place this on my credit report - I got there phone number and call them - I told them if I was notified I would have call them and talk to them about this I did pay them when I had them on the phone and I told me this would be removed right away
Product: Money transfers

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, On XXXX XXXX, 2015 Paypal limited my business account privileges and on XXXX XXXX, 2015 Paypal limited my personal account privileges.My funds were placed on hold. I have contacted multiple representatives and submitted all additional information in order to resolve this issue. Unfortunately, Paypal has refused to remove limitation from my accounts. I never had any problems with my buyers. In addition, my buyers called and emailed Paypal on my behalf stating that they have never had any issues with me and that all transactions were done in a timely manner. 
By suspending me without reason or explanation, Paypal has violated its own Terms of Service. I want my business and personal accounts to be reinstated to have a full access to the accounts privileges. 

Business Account ID : XXXXXXXXXXXX Personal Account ID : XXXXXXXXXXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a personal checking and savings accounts that were opened in XXXX of 2020, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for 1 year and 8 months, but it shows I have no employment history as well.
Product: Vehicle loan or lease

SETF DBA OF WOFC is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/22 and XX/XX/22
Product: Money transfer, virtual currency, or money service

I called to submit a wire transfer on XX/XX/2022 at XXXX for a closing on a property scheduled for Monday XX/XX/XXXX at XXXX. I was told that since the call was made prior to XXXX it would be sent on XX/XX/2022. I went to my closing at XX/XX/2022 at XXXX and was told the funds had not been received yet. I called Marcus and was told they needed to speak to the Title Agency. They called the Title Agency and confirmed the wire instructions. I called back at XXXX on XX/XX/2022 and the wire still hasnt been sent for closing and causing the prevention of moving in to my newly purchased property. The have now prevented me from having access to my funds for closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!