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

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00}.
Product: Money transfer, virtual currency, or money service

and your account. 
XXXX 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: Money transfer, virtual currency, or money service

XXXX XXXX, 2023. Hacker got into my phone, used PayPal to order 5 {$100.00} cash cards from XXXX XXXX, another {$100.00} card through PayPal credit, and used XXXX to send {$250.00} from my checking account to someone named " XXXX XXXX ''. I discovered the problem and immediately called PayPal, Synchrony Bank, and XXXX XXXX XXXX XXXXXXXX to alert them to the problem. I then called all my credit cards and reported what had happened, and factory reset my phone. Synchrony admitted hacker fraud and expunged the {$100.00}. XXXX XXXX XXXX XXXX did the same and refunded my {$250.00}. PayPal opened a 'fraud investigation ', but never removed the {$500.00} from my account. After numerous calls to PayPal, and numerous passes from one customer service rep. to another, I got no decision from them, other than " we're still working on it ''. Six weeks later, I receive a debt collection notice in the mail. PayPal 's " fraud investigation '' is a joke. They said the purchases were " typical of my spending habits. '' I have never bought ANYTHING from XXXX XXXX, nor have I EVER purchased a cash card through PayPal. I am continuing to pay PayPal for the purchases I did make previous to this incident, and when that is concluded, I will cut off any further communication with PayPal.
Product: Debt or credit management

On XX/XX/year> I contacted a place I saw online about a debt consolidation loan. They asked for information to see if I qualify but then was told I did not. but I qualified for a debt settlement program through a company called Palisades Law Group. They explained to me that they could take everything on my credit report and get it in one payment to get me out of debt faster than me making payments myself each month. They then informed me that with my total debt I would send them {$290.00} and some change each mo th and it would go into an account with a company called XXXX where the money would sit until they have settled with all my creditors on an amount to pay off debt. They informed me to stop making all payments on my credit cards and loans and go into each one and put in a number to replace mine so the creditors would be contacting them. I was current on all my credit cards and loans at this time. When they had me stop my credit score has dropped over XXXX points, creditors calling me due to I havent given this company any money cause I tried to cancel which they said I could do at anytime. They did not make any effort to reach out to the creditors to say they are representing me in the beginning. They said I had to pay first before they did anything. I was looking for a loan to pay my debt off and keep and gain a better credit score when all I ended up with is being behind in all my payments and credit score super low. They were very misleading and caused more financial distress and did nothing like they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX and 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 or other personal consumer reports

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Product: Debt collection

I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.
Product: Debt collection

Department of Treasury, I called, on XX/XX/2022 an amount unsure of was taken from my Social Security account. XXXX XXXX requested more than {$8000.00} from me. I sent a denial of the debt with my signature. Why are they, government stealing as they choose, from me? Offset, I did not give legal conscious permission to be robbed of my rights. I need my Economic Impact check and whatever else is my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

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 consumer credit plan as late for any purpose.
Product: Debt collection

I disagree with the account listed below which still appears on my credit report even after the credit bureau investigation I would like for this to immediately be investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX accordance with the Fair Credit Reporting Act Public Law XXXX, XXXX VI, Secton 611 subsection A-D please provide please provide the name and businesses adresses of each individual with whom you verified the above so that I may do a follow up. Please send me an update credit report of after reopen investigation.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$2800.00}.
Product: Checking or savings account

us bank woont give me my money all they tell me is account is being closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct XXXX XXXX, have 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: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Requested verification of alleged debt/past-due amount. I owe nothing to anyone and have no outstanding debts. I requested in writing some verification of the supposed debt they say I owe. I received no response. I also requested the exact date the collection company says the spurious debt was due. I requested the exact date the collection agency was retained by the supposed creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act these XXXX XXXX  depreciates my value. 

I demand they be removed. This includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700CRXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Wells Fargo is taking money stolen by XXXX XXXX and won't help me retreive 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 Measure to prevent an 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 was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

15 u, s.c 1681 section 602 A. states i have rights to privacy.

15 u, s.c 1681 section 604 A. section 2 ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

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 items of information, other than records of convictions of crimes which antedates to 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, credit repair services, or other personal consumer reports

I have tried solving this issue with XXXX XXXX and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but Experian and XXXX continue reporting. I am attaching the updated and new information, also : XXXX financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from Experian and XXXX. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across Experian and XXXX, XXXX XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their rear end with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to work with TransUnion to remove credit inquiries that doesn't belong to me. It has been almost one full year in labor, in getting these inquiries removed. I have a police report on file and a court order, stating I was a victim of identity theft. I just called them again today, but to no avail. They keep sending out letters to the creditors to remove them the inquiries from my credit file. It has been a complete year now, and the inquiries are still on my credit file. I would like for TransUnion to remove all those inquiries from my credit file, because they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should be sent to XXXX, XXXX, and Transunion I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USED IT TO OPEN CREDIT ACCOUNTS IN MY NAME PLEASE INVESTIGATE THESE ITEMS IN MY NAME.
Product: Bank account or service

I am filing a complaint towards the Capital One Bank due to their scams. I have been with capital one for a few years now where there has been a few situations I had to block or cancel my debit card because fraudulent transactions in the past but that is not the reason why I am filing this complaint on them. I am having a major issue with Captial one regarding two payments that were recently made to XXXX and were processed successfully during the time of payment but ended up being drawn back from my bank a week after the time of payment with a denial from XXXX that caused XXXX charge a past due balance for my upcoming bill twice in a row ... .capital one bank withheld the payment on their end. i had filed a complaint via phone to both parties. Capital one bank continuously blamed XXXX for their " error '' with charging double for two payments that were made but were n't processed. I did n't know what else to do, so I just reported XXXX to the XXXX to get to the bottom of this. Finally, I received a phone call from the CEO of XXXX where they were able to tell me that the scandal is coming from my bank after all. I demand Capital one bank to pay for my upcoming balance of {$700.00} to XXXX. I will no longer be a client to such an irresponsible and unsafe bank such as capital one.
Product: Credit reporting or other personal consumer reports

*I have been paying the JPMCB Monthly min they are reporting that I am not paying. 
* XXXX XXXX XXXX  is not my account I have disputed on XXXX XXXX and I have not heard anything back about this account. 
XXXX XXXX XXXX XXXX I am paying the min required each month however they are adding late charges and fees and extra charges. 
*XXXX XXXX XXXX I am unsure why I am getting a bill from them
Product: Mortgage

My divorce was finalized XX/XX/XXXX, Superior Court ordered me to relinquish any ownership of Home to ex-wife who was ordered to take ownership of taxes, mortgage, deed. Wife left mortgage in my name and proceeded with Modification of the mortgage with XXXX XXXX XXXX and Ditech Mortgage. Both entities used my financial and personal information to refinance debt that was her responsibility without any notification to me that this occured. My credit has now been and will be damaged for 40 years ( term of new loans that are 1st and 2nd loans ). My name is on both loans even though I had no right to title or ownership per the court. I will never be able to qualify for any considerable credit, especially a mortgage loan, as this process occurred without my knowledge and without my signature. Transactions occurred from the best of my knowledge in XX/XX/XXXX-XX/XX/XXXX. My credit shows 1st mortgage was closed with no reason given, but also shows 1st and 2nd mortgages still in my name with new terms that were agreed to without my knowledge.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the date of the last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) and on XXXX it's if the information is coming from the original creditor the dates should be the same. We can not say these accounts are XXXX XXXX  accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I requested from Aqua Finance my loan documents as I have had this loan for a later over three years and I have noticed little to nothing changing on my loan balance. Originally, I was told it would take a 24-hour notice from the XXXX. I recalled Monday and they advised me it usually takes 24 to 48 hours. I haven't received the requested documents. This company doesn't even provide me with my loan statements in order for me to pay this loan off quickly. After reading the XXXX reviews many other have the same complaints I do. This company practices predatory lending as they hide all their fees, and their officers do zero explanations on these predatory contacts.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$28000.00}. Please remove this account from my file.