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

XX/XX/XXXX XXXX XXXX Consumer Relations XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, XXXX XXXX : XXXX, for : XXXX. 
Under the name of : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX I am disputing this incorrect information. There has never been an XXXX  suite brought against me. 
There are also addresses listed in your system which do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your systems immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity.

Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

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

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. My Driver License, SSN Card, and Proof of Residence has been mailed in for proof. I should only have one name, address, phone number and employer in each section. Please have them update my information.
Product: Debt collection

A debt collection agency named XXXX XXXX XXXXXXXX XXXX placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as NSF.
Product: Credit card

I was previously listed as an authorized user on an XXXX XXXX card. I was taken off of the account on XXXX XXXX, 2016. I am not liable for this account and did not give explicit permission to be added. This account should be removed from my XXXX credit report as it is an authorized user account. When speaking with someone from the XXXX credit reporting team, I was told per the FCRA, it has to be listed for XXXX years. I would like to know exactly where in the FCRA it states that authorized user accounts can not be removed on request.
Product: Mortgage

Hello, I need to submit a formal complaint against Academy Mortgage, XXXX XXXX XXXX, CO XXXX for making a credit inquiry without consent and without my knowledge. In XX/XX/XXXX I made an appointment to discuss the possibility of buying a home. They ran my credit at this time and then did not follow up with me about what my pre-qualification was. After 2 months of waiting for a response, I contacted the loan officers an let them know we where very unhappy with them but ultimately still needed our pre-qualification information so I could proceed with home buying. At this time, I explicitly noted I did not want my credit to be ran with them again and that if there was a laps in qualification time I wanted to go to another company. They apologized, said that they absolutely were not going to make another credit inquiry and that they did n't have to until XX/XX/XXXX and could still get our qualification. They went unresponsive again. I was alerted by XXXX today that they made another inquiry into my credit, and my mothers, and this was done without consent and acknowledgment. 

I have emails between Academy Mortgage and stating that we did not approve them to do this and would like to report the branch and the loan officers involved and hopefully get this inquiry removed from our reports. 

Thank you
Product: Debt collection

I was a victim of identity theft in XX/XX/XXXX, I reported it to all credit bureaus and was able to have several fraudulent accounts removed, except for one. this account started under XXXX, which I have never done any business with either personal or professional. The account was then sent to collections in XX/XX/XXXX. I contacted the collection company and verified that the email address, telephone number and mailing address on the account are not mine, neither are they any that I have associated with. I filed for a dispute with the credit agency, but all updates were sent to the wrong email address and/or mailing address, so I had no way of confirming the disputed information. The collection is for a total of {$5300.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the severe discrepancies I have recently uncovered in my credit report, which have not only caused significant distress but also raised serious concerns about the accuracy and compliance of the information being reported by your agency. 

Upon conducting a thorough investigation of my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items. These discrepancies not only hinder my financial well-being but also violate the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As stipulated under the Fair Credit Reporting Act, it is imperative that all information reported on my credit file is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) explicitly state that consumer reporting agencies are obliged to ensure the accuracy of the information they report. Unfortunately, it appears that these obligations have not been met in my case. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these discrepancies. It is my expectation that you will promptly initiate an investigation into these matters and rectify the inaccuracies on my credit report in accordance with the FCRA. 

I understand that errors may occur, but it is crucial that your agency complies with federal regulations to ensure the fair and accurate reporting of consumer credit information. I believe that by addressing and rectifying these discrepancies, we can collectively uphold the integrity of the credit reporting system. 

I kindly request that you acknowledge receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for the investigation and resolution of the issues outlined herein. Failure to do so may compel me to pursue legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report.
Product: Credit card or prepaid card

On XX/XX/2020, Wells Fargo suddenly closed my credit card account without notice and forfeited the rewards associated with the card. 
I feel that Wells Fargo was deceptive in their advertising practices by allowing me to earn reward points, and then closing my account without any notice, thus giving me no opportunity to redeem my points that I have collected over the year. 
There is no other specific information provided. I have reached out to them and they can't provide additional information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at XXXX and all who refuse to help. This is a new way of keeping us slaves to XXXX. The modification is intended to help us make affordable payments while going through hardship instead XXXX has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX  XXXX Veteran spouse and XXXX don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from XXXX we can't move forward.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I requested for a credit limit increase for my QuicksilverOne credit card from Capital One. During the application process 7 months ago it was mentioned that a customer can be eligible for a credit line increase if the account is maintained in good standing, not over the limit, paid on time and paid more than the minimum payment. I have done all these things for a period of 6 months going 7 months, however, despite all efforts, Capital One still won't increase my credit limit. I have the card for 7 months now in good standing and remained active. This is one of the unfair and unjust practices of the bank. I am just following their instructions on how to increase my credit line. I hope they will be considerate and do better. Also the fact that I'm currently employed as a XXXX XXXX in XXXX with a very acceptable annual pay.
Product: Money transfer, virtual currency, or money service

I had a Bitcoin payment rejected by cash app for a reason that they will not disclose, They sent it back out to the blockchain with an improper transfer fee meaning that my money is just going to sit there stagnant until it's returned to them and then they do it again. They could care less that I'm out a decent amount of money for somebody in my situation. They just keep saying that they don't know what's going on.
Product: Money transfer, virtual currency, or money service

Recently, PayPal Credit rolled out updates to their mobile application. Unfortunately, these updates have made accessing the PayPal Credit section of the app nearly impossible. Whenever I attempt to make payments or manage my account through the app, it either crashes unexpectedly or the specific PayPal Credit section malfunctions, preventing me from carrying out essential tasks. This technical issue has persisted despite multiple attempts to resolve it, causing significant frustration and inconvenience. 

Furthermore, PayPal Credit has refused to enable autopay for the deferred interest feature, which is the primary reason I opted to use PayPal Credit for my purchases. The 6-month no-interest promotion on purchases of {$100.00} or more was a significant incentive for me, allowing me to manage my finances effectively. However, without the option for autopay, I am left with limited choices : paying a fixed amount or the full balance. Neither option is suitable, as I may not always have the funds readily available to pay the entire balance, leading to deferred interest charges and late fees. 

This situation is incredibly predatory, as it forces users like me to manually send payments for the specific promotional amount, making it challenging to avoid deferred interest. The inability to set up autopay for the deferred interest amount not only undermines the advertised benefits of PayPal Credit but also puts users at a considerable disadvantage. The absence of this feature has led to me incurring unnecessary charges, including a late fee of {$30.00} and an interest charge of {$5.00} in my recent billing cycle. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold PayPal Credit accountable for their actions. Users should not be subjected to faulty app functionalities and denied essential features that prevent them from taking advantage of the benefits promised by the service. I request that you take swift action to rectify this situation and ensure that PayPal Credit provides a fair and transparent user experience, free from predatory practices and inconvenience.
Product: Credit reporting or other personal consumer reports

IN ACCORADNCE IN THE FAIR CREDIT REPORTING ACT. THE LIST OF THE ACCOUNTS BELOW HAS VOLIDATE MY FEDREALLY PROCTECTED CONSUMER RIGHT PIRVACY AND CONFIDENTAILY 15 U.S 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C1681 SECTION 602 A 15 U.S.C 1681SECTION 602 SECTION 2 15 U.S.C 1681C. ( A ) ( 5 ) SECTION 15 U.S.C.1681S-2 ( A ) ( 1 )
Product: Credit reporting

I have been disputing incorrect information on my credit report. Equifax has not been following the protocols for disputing wrong information that they are reporting. I have received letter from the creditors that information sent to them did not have specific information of what I was disputing ( this was sent to them by Equifax ). The also with out my consent or knowledge put my account on fraud status. I was made aware of this by a creditor and cause time and effort to prove to them I was who I am. I feel this was Equifax retaliating.
Product: Credit reporting or other personal consumer reports

Recently, I have discovered that a car loan was fraudulently obtained in my name without my knowledge or consent, additionally, I have identified several unauthorized hard inquiries on my credit report, the account is XXXX  with account number XXXX, and the hard inquiries are XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX
Product: Debt collection

I have received a notification from Midland Funding LLC. It's the first time I see this shape. I didn't have the slightest idea. I did not get the city bank card that they are charging me for. I have had other cards that I am currently still paying. But I have no idea what they mention. I lost my entire wallet. Unfortunately a few years back coming back from filing IRS taxes, I lost my wallet. My SS card was there. I just recently received my new card. Since I know my SS # I hadn't had the opportunity to request another one. But a few months ago I finally did. I'm afraid someone took advantage of that situation. But I do want to say I don't recognized that debt. I would like to dispute it.
Product: Debt collection

Phoenix financial services started to repeatedly call and wouldn't state who they were over the phone, instead they hung up and called again, even after they were told not to call again. Somebody received a letter in the mail for me then I knew who the callers was, it had some random " debt owed '' from 4 years ago for {$5.00}, then sent another letter for {$44.00} both for a creditor I've never even heard of, date of service I never seen anyone on. The XXXX places I've been, I haven't owed anything to for over 7 years due to always having XXXX insurances and paying at the time of appointment, I regularly check the accounts too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, Transunion and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) ( XXXX ), XXXX  XXXX  XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  XXXX ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the Transunion, XXXX and XXXX delete these items from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. I have carefully reviewed my credit report and have determined that this inquiry is inaccurate.
Product: Checking or savings account

On Friday XX/XX/XXXX I discovered that 4 ACH withdrawals were made from our savings acct. {$450.00}, {$900.00}, {$100.00} and {$2100.00}. I immediately contacted our bank Citizens bank and it has been a nitemare!! I went thru 5 different people and finally made a complaint on social media. I then was contacted and told that they would work on it and wed hopefully have our $ $ by today or tomorrow. I asked the bank how this happened as we have NEVER had an ACH withdrawal from our savings before. No one can give me an answer. I filed a complaint with the XXXX and my complaint with Citizens has now been brought to the attn of the chairmans office but when they called me today, they said nothing except their name and that theyd be handling my case? She said Id get a phone call by the end of the week?? I just now discovered that 2 MORE FRAUDULENT WITHDRAWALS HAVE TAKEN PLACE TO MY CHECKING ACCT!!! {$400.00} and {$600.00} ... .I called the bank again at XXXX XXXX ... spoke to a supervisor who filed those two additional claims and only apologized!! I am disgusted and I want my money!!! I want answers too!! How did this happen?? What kind of fraud security am I being provided with? No one at the bank can tell me?? I want my {$4600.00}!!! Im filing complaints with the state tomorrow and will continue to do so until our money and explanation is returned
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : XXXX Account Number : Please verify the completeness and accuracy of this account : Account Name : XXXX Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely. 

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.
Product: Debt collection

A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and XXXX XXXX, XXXX. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by Pinnacle Credit Services , LLC. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If Pinnacle states that they purchased the XXXX debt in XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of Pinnacle Credit Services LLC are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XX/XX/XXXX. Pinnacle Credit Services LLC is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
Product: Credit card or prepaid card

1 ) with Chase : Bought a tennis racquet on XX/XX/, {$320.00} on XXXX. Shipping number said delivered but not seeing the package. Either not truly delivered or got stolen. Been contacting back for 3 months but dont hear anything / credits.

2 ) our building has stolen packages all the time because we dont have front desk person. But it doesnt mean customers should pay $ $ $ for nothing. Need this money back!!!
Product: Debt collection

Receivables Performance is reporting a debt that was fraudulently obtained and will not furnish me with a contract validating the debt. I have requested and disputed this information with the bureau multiple times and they have yet to validate to remove this debt after supplying the necessary evidential backing of it being fraudulent.