23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6600.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I have received a Debt Collection on my Credit Report for a collections on a past-due bill that I was never notified of. I went to National Credit Systems with the collections amount reported on my credit files along with my Social Security Number and no debt with those details are listed in their own system. I was never notified of a past-due bill from my former landlord, nor was I provided with notice from NCS that the past-due bill was sent to them for collections. When I went to NCS to pay the reported debt, their own systems are not even able to locate the account based on the details listed in my credit report under Collections. I submitted a Dispute with XXXX, XXXX, and XXXX. XXXX found in my favor, XXXX found in favor of NCS, and XXXX is still reviewing.
Product: Checking or savings account

When I opened Paypal years ago, I used it to buy things on ebay and what not. Friends would send money and I to them. The problem occurred in XXXX, 2020 when they closed my account and limited it permanently. They stated they were going to hold my money for 180 days. In fact, every account, including a club account that I opened for the treasurer as she didn't know how, they closed that. 

The problem is that I checked today, XX/XX/XXXX, and it states they transferred the account balances ( over 1K ) to their own accounts. I was told at 180 days they would release the funds to transfer out. This never occurred. They stole the money. I have read multiple people this has occurred with which are friends on XXXX. They never got their money back. I am sick of the tactics Paypal is using to steal people 's money based on some stupid acceptable uses. The only use you can do with Paypal based on their terms is buy using Paypal. I have a business account and I can't even access that account.
Product: Debt collection

I have an XXXX XXXX XXXX account card that went past due, and was closed. I was called by a XXXX XXXX representative over the phone, and was told to enroll in a series of payments that would bring my debt down to XXXX in 6 months. He gave me the payment schedule, and the amounts that would make this happen. I agreed and verbally authorized the payments from my account. I recently checked my account, and my payments have posted 6 days early, yet I am being charged late fees which will prevent me from paying the account down on the promised timeline. I called the bank, they refused to refund the late fees, and I was told that no matter what payment plan they had set up, I would still have to pay the fees until the amount was paid in full. I was then told that despite what plan I may have set up, it would not satisfy a " third party '' collection agency. So, that means that they 're still collecting on debt they 've already sold, or I 'm paying two different people for the same debt. I was unable to get a straight answer from anyone at the organization, and this feels fishy in my gut. Something is n't right.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX
Product: Vehicle loan or lease

I have car financed by Tesla finance, I was planning to pay off my car early so I make partial payment to lower the principal after I confirm with them, so I did pay {$41000.00} and I reserve and email saying the payment can not go to the principal and it will go for the monthly payment. 
I ask them to return my money back and they agree to return it back, it's been 2 month now and I still didn't get my money back and they keep taking interest on my payment, I contacted them no one answer the phone, I email them and they keep ignoring me they put me in really deep financial problem and I want my money back as soon as possible
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 3 fraudulent account ( s ) appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of. A Credit Card account was opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A XXXX XXXX account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account was opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease under my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from 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 result from identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I moved into XXXX XXXX apartments in XXXX, South Carolina on XX/XX/XXXX as a subletter with a subletting lease facilitated by XXXX XXXX. At the time XXXX XXXX was managed by XXXX XXXX XXXX. I filled out a form provided by XXXX upon move-in detailing all existing damage to the unit, mostly paint chipping, and took photos of the existing damage ( attached ). I moved out on XX/XX/XXXX at the end of my lease with a smooth checkout process facilitated by management, no damages incurred during my stay, and all debts ( rent ) paid. I was contacted by a debt collector in fall XXXX regarding {$270.00} owed to XXXX XXXX for the unit damages that were already there and reported upon move in. I was never contacted by XXXX or XXXX directly regarding these charges. I asked the debt collector to dispute the charge, but was not able to get in contact with them again after the initial call. I tried calling XXXX XXXX to dispute the charge, but they are under new management and have no records of me or the woman who I subletted from, nor any records of debts owed by me. I tried getting into contact multiple times via phone and email with XXXX but was not able to reach them. The debt owed has now hit my credit report, with a significant impact lowering my score from XXXX to XXXX, and I am told this will remain on my report for 7 years. I tried disputing this with XXXX XXXX, however they verified the charge with little explanation of their research into the dispute and have kept it on my credit report. I am hoping to have this incorrect charge revoked and removed from my credit report. As I am looking to buy a home in the near future, this impact of a wrongful charge will severely impact my ability to secure a mortgage and have a very large negative impact on my life for a debt that I do not owe. I greatly appreciate your help in reversing this and helping me to clear up this misdirected charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off two two notarized dispute letters on 12/22/20 and 01/22/20. I have not received any update or results from this credit bureau and this investigation has taken over 30 days to resolve. Under the FCRA, if a credit bureau is unable to verify any information on a credit bureau within 30 days of receiving a dispute letter, they must delete the inaccurate information from a consumer 's credit report.
Product: Money transfer, virtual currency, or money service

Apple XXXX Goldman Sachs has not provided good enough security and allowed XXXX to bill my card without my permission for {$24.00} ( {$360.00} annually ) with an expired card ( after i requested a new card my account was charged ) Apple has also done nothing to patch the XXXX  Terms & Conditions glitch & needs to explain why they attempted to fleece me out of {$460.00} for a simple isopropyl alcohol cleanup! I've invoiced them this amount for being abusive towards their customers & this complaint serves as investigation into Apple 's business practices. 

I currently have a $ XXXX Apple Card balance which I can not use with my mobile wallet, no reasons given whatsoever - It's my money, shouldn't I be able to use it on the App Store XXXX the mobile wallet & on any iDevice? 

This should be referred to the Office of the Comptroller & affiliated parties
Product: Mortgage

XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.
Product: Checking or savings account

I attempted to open a new checking account and was told I couldnt due to a hold on my credit from US Bank. The account had been closed several years ago in person in the branch. US Bank is claiming I owe money that I do not. I contacted them for the documents and they have refused to produce proof of money owed, statements, or anything else. I spoke with supervisors that said they would send them and now they have sent nothing and will not respond. Their representative told me they would not speak with me until I paid the account! I do not owe anything and this should be fixed immediately on my credit and the hold removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is in reference to an incident that occurred XX/XX/2018 when an unknown individual used my bank account by submitting a fraudulent check I was completely unaware of this activity as my identity has been stolen and I have been a victim of identity theft for XXXX XXXX leading up to this incident I can provide a copy of a police report as evidence is an ongoing issue this is my XXXX time disputing this same problem with XXXX XXXX XXXXXXXX Bank of America and the Consumer Financial Protection Bureau and nothing has been done to resolve the issue the person responsible for this fraudulent activity Who I believed to be a family member that lived with me at the time has used my identity to obtain apartments credit cards bank accounts credit accounts loans cards and even accumulated outstanding parking tickets among other things this individual has caused significant harm in my life and financial well being I have disputed this incident multiple times with early warnings yet it remains on my file I kind of request that they remove this incident from my file as it had nothing to me I also had this same incident on check systems and they investigated it and realized that it was fraud and they removed it it is important to note that my account was shut down due to this fraudulent activity which I believe is unfair considering that I was a victim of the situation additionally the debt associated with the incident is XXXX XXXX old and there is a XXXX balance owed to them maintaining a clean XXXX  history is the utmost importance to me and I kindly ask for your assistance and resolve in this matter. Not to mention the problem is with Bank of America which owns XXXX XXXX XXXX and if I have reached out to both companies yet they still allow this to remain on my file
Product: Credit reporting or other personal consumer reports

Despite submitting thorough documentation and following the prescribed procedures, it is very concerning that the problem remains unresolved. This ongoing issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters effectively and competently. It is unacceptable that, despite multiple attempts, the late open account issue remains unaddressed, calling into question the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the highest urgency and take immediate action to correct the late open account entry on my record. Additionally, I expect to be kept informed of the progress in resolving this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. Therefore, I am requesting your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am disputing hard inquires on my credit report because this is fraud and does not belong to me. XXXX
Product: Credit reporting or other personal consumer reports

As per the guidence from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of hump trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX balance {$430.00}, XXXX Bank balance {$530.00}, XXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX XXXX XXXX {$1700.00}.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXXXXXX Account number : ending in XXXX First and Last name : XXXX XXXX Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : This subsection explicitly states that a CRA must not reinsert previously deleted information unless the information provider certifies its accuracy. The CRA must notify the consumer of the reinsertion within five business days, which ensures transparency and gives the consumer an opportunity to dispute the reinsertion if necessary.

The CRA failed to adhere to these requirements : -No timely reinvestigation was conducted following my dispute.

-I did not receive proper notification of the results of the reinvestigation.

-There was no certification from the furnisher proving the accuracy of the reinserted information.

- I was not notified within 5 business days regarding the reinsertion of the disputed information.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX, XXXX. Taking application fees of XXXX dollars. First, they told me one thing about being employed and having student loan money in my account. Then it was something else. There was a sinkhole to be repaired at XXXX XXXX Then, the city of XXXX went out, and the sinkhole was not repaired. Each of these required a XXXX good faith deposit and earnest money. I knew very well the second time that if they began this circular interaction, I would take action against them. I was very well aware of what I was doing at this time. Due to a long illness, I have not been able to get moved back to Ohio, and they are just making this worse. I do not need to go back to XXXX  and try to plunge into the lives of my grandkids who have not seen me. It has taken my doctors XXXX tears to get a rare disorder under control. I want clarity on these issues and how they are being handled. I want their paperwork reviewed. I am XXXX XXXX XXXX and in my XXXX program. I am very well aware that if this is not cleared up, I will take this a step further to XXXX XXXX XXXX in Michigan and any other place I can. There is even a third house on there that was only discussed and not proceeded with.
Product: Debt collection

Portfolio Recovery Associates continually calls me daily after I have asked them to stop. Most recently they called me back to back 10 times on Saturday, XX/XX/2018.
Product: Credit reporting or other personal consumer reports

On XXXX XXXXXXXX  I noted a late payment from Self Lending INC on my credit report. I'd reached out to them to update this information a month ago. On XXXXXXXX XXXXXXXX  XXXX XXXX XXXX company and XXXX XXXX XXXX XXXX to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.