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

My name is XXXX XXXX, and I am reaching out to formally document and escalate my ongoing issue with fraudulent accounts and inquiries that have been incorrectly reported on my credit profile. Despite multiple attempts to resolve this matter directly with the credit bureaus, including Experian, XXXX, and XXXX, there has been a consistent failure on their part to adhere to federal regulations requiring the accurate and prompt updating of my credit information.

Heres what has transpired : Repeated Attempts with No Resolution : I have provided extensive documentation and made multiple requests to remove fraudulent accounts and inquiries that have seriously impacted my credit standing. The bureaus have either failed to investigate thoroughly or have ignored the documentation I've provided. Their negligence has left my credit report littered with false entries.

Violation of Federal Law : In accordance with Section 609 ( a ) ( 1 ) ( A ), 15 USC 1681, and additional consumer protection laws, I am entitled to a credit report that is accurate and free from fraudulent accounts and inquiries. I have clearly identified the problematic items and expected them to comply with their statutory obligations. Their continued disregard for these requirements represents a blatant violation of consumer protection laws.

Consequences of Their Inaction : Due to their inaction, I am unable to rent or purchase a home for my family, a situation that is directly impacting our quality of life. This unnecessary harm is unacceptable, and my patience has run out.

I expect the CFPB to convey my formal grievance to each bureau involved. If they do not immediately remove the fraudulent accounts and inquiries, I intend to pursue legal action. As stipulated in my previous correspondence, I am prepared to seek compensation of {$1000.00} per unresolved fraudulent item, along with {$10000.00} for the emotional and financial distress caused by their non-compliance.

I look forward to a swift and effective resolution to this matter.

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

I have tried solving this issue with Ally Financial and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and XXXX continue reporting. I am attaching the updated and new information, also : Ally 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 XXXX 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 XXXX and XXXX, yet 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 XXXX XXXX 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: Mortgage

I live in a flood plane and which means that I have to carry flood insurance to statisfy my mortgage requirements. I previously had my home hazard insurance and flood insurance with XXXX. After a very poor experience with XXXX, I switched my home hazard insurance to XXXX. My flood insurance is set to renew this year on XXXX. I have been trying to switch that over to XXXX as well. <P/>In XXXX, I found out that my mortgage company, who handles my escrow, Shellpoint Mortgage sent over renewal payment to XXXX for my flood insurance. I did not request this nor want it. I only found this out when I called to have the insurance be switched to XXXX. <P/>Since then, I have been trying to get the insurance switched. On XXXX, Shellpoint told me that a check would be sent to XXXX. Then, once they received that payment, they would provide me with a Decleration Page, which I could use with XXXX to cancel the current renewal and get the original payment refunded. <P/>On XXXX I received information from XXXX that the check never went out. Upon calling Shellpoint, they confirmed the same thing. After spending over an hour on the phone between both parties, Shellpoint said that they would overnight a check to XXXX to make sure that we could get this worked out before the renewal date of XXXX for my flood insurance. <P/>On XXXX I called Shellpoint to confirm everything was good, and get the overnight check information ( tracking number, carrier, etc ) so that XXXX could easily find the check. Then I was informed that the check never went out and that it takes them 'time ' to process the check. <P/>I am currently on the phone trying to deal with this issue. However, I have very little faith that it will get worked out. I am worried that I will not be able to switch my flood insurance to XXXX and even if that happens, I am worried about being able to get a refund from XXXX. <P/>Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not resolving the fraudulent account that is listed on my Experian Credit report. This account is fraudulent, It was opened by a thief and was not authorized opened in XX/XX/2015. Instead of blocking the fraudulent account, after Experian was notified they are refusing to block the Fraudulent account even though they have been provided documentation proof that I am a victim of identity theft and that I did not authorize this account. They unblocked this stating a Material Misrepresenation, Yet the Company that provided them documents provided a Driver License with an address of XXXX XXXX XXXX Apt XXXX, XXXX TX, XXXX. Which was never my address, and Experian was notified that this address was fraudulent, I never applied for Membership at this credit union, Nor ever signed anything. I have Provided Experian with a FTC Affidavit Clearly stating the crime, I have provided Experian with a Utility Bill, I have provided Experian with my SS Card. All of which are proof and documentation that I did not authorize this account, they refuse to follow FCRA Law 603 ( B ) Even though they were notified I am a victim of a crime. They told me on the phone that their Agents unblocked the account because this company is one of their " Preferred Vendors '' And that when they have a relationship with a company they have to unblock an Item if the company requests them to do so. Which is against the law since the account is ACTUAL TRUE NAME FRAUD. Being a victim of identity theft you should not have to have your credit file damaged because a criminal decides to open an account. Especially since this account was opened in 2015 and never authorized. XXXX XXXX XXXX XXXX - Account # XXXX Opened XX/XX/2015. Not authorized. Balance was updated to show {$1800.00} which is not possible as I never made a payment to this account ever, because the credit union would not give me an account # would not let me pay this account, and would not give me details on this account that is fraudulent. Because again I did not open this account so there is no misrepresentation as they won't give me any information on this account and told me they sold it to XXXX XXXX XXXX whoever that is.
Product: Debt collection

A credit reporting service named RentDebt recently started reporting that I have an outstanding balance owed to an apartment community for {$5200.00}. There is no way my outstanding balance could remotely be that high. I have contacted RentDebt directly, and asked them to send me a complete account detail, showing all of the charges that constitute the {$5200.00} in charges that they are trying to collect. I am also aware that this apartment community re-leased my apartment, shortly after I left. So I believe what's happening is that they are attempting to charge me full the full amount on the remainder of my lease, despite the fact that the residence was re-leased. Its illegal for them to try to hold me to the full term of the lease if they re-rented the apartment, so I also asked for the date my old apartment was occupied once I left. Of course, I have not gotten that information either.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I have been fighting PayPal for a week regarding them restricting my funds and not allowing me to transfer my money to my bank account. I have logged over 15 hours on calls and emails, getting hung up on, and ive been given inconsistent messaging as to when I can transfer my money. The reps I spoke to said that it is PayPals security review algorithm and they will not and can not give me a time to release my money. They refuse to give a time frame. Their suggested solution to a problem they have caused was to refund customers and request a different payment method. Im disgusted they would suggest I put my customers through this.

I have endured endless security checks through their two factor authentication, provided every bit of documentation they asked for, unnecessarily changed my password 20 times b
ecause their website kept redirecting me or stating it notices unusual activity.

The unusual activity is that PayPal yet again is holding money hostage and refuses to release my hard earned funds. I was told the problem I reported last week was resolved and was a verified member. And now I cant transfer the {$11000.00} in my account. This is a significant amount we need for our family. 

I have submitted two Complaints to XXXX  as Im tired of having to fight PayPal to release my money. This company clearly has no moral compass as it has no problem collecting fees but makes it impossible for a customer to get their money. 

This is nothing short of them refusing to my MY money, and acting like they are a bank when theyre only a payment processor. They are affecting peoples lives. They refuse to help me, stating they cant help, which means my money could be held indefinitely.

What theyre doing is illegal. I desperately Request PayPal resolves this and distrubutes the balance to my account ending in XXXX. 

My husband and I are also XXXX XXXX military, and it is clear this company has no integrity. Please help me. As paying customers for PayPals service, we deserve to be treated with respect and they need to be held accountable. They are not meeting the obligations of their policies, not disclosing their security checks or alerting customers, and not providing documentation of the security issues or status of account. They are actively withholding information on my money. 

I have attached proof that the items I sold were delivered, as well as proof of the balance and conversations.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I sent a letter to your company detailing serious errors on my credit report. It has now been over 30 days, and I am so sorry to let you know that I have received no response. This prolonged silence and inaction suggest a potential violation of the Fair Credit Reporting Act ( FCRA ). 

The errors on my credit report are not just inaccuracies but obstacles that jeopardize my financial stability and future. I would appreciate it if you could act immediately to fix this situation. I'd like to ask you to please pay attention to this matter, not just requested but also requested. 

Please understand the urgency and gravity of this situation. My credit and peace of mind are in danger.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. Validate the late payments. I have never been late on this account. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

I reported that i never received my credit card from capital one they credited my account back but they put the credit on hold for 90 days an wont let me access it XX/XX/XXXX for XXXX $ XX/XX/XXXX for XXXX $ an XXXX $ my XXXX statement says i have XXXX $ available but i do not have access to it
Product: Money transfer, virtual currency, or money service

I received a check from a woman named XXXX XXXX. She sent the check through the mail. The check was sent for me to walk her dog and also send money to a person for a refrigerator. The check was for {$2400.00} and once it was put into my checking account at Huntington Bank I used XXXX to send {$1500.00} for the refrigerator. The check than bounced and now my account is negative. 
I put the check into my checking account on XX/XX/XXXX and used XXXX to send the {$1500.00} on XX/XX/XXXX.
Product: Credit card or prepaid card

The incident apparently has been developing over a radio frequency network, any password or security system XXXX be overridden easily due to the hybrid body area network infrastructure. They are to be considered " XXXX XXXX '' against the government and XXXX be under the influence of a foreign government. 

My best guess is local media is not as friendly as their action are recording. That description XXXX include radio and television broadcast and news groups, their contract workers and a slight case of malfeasance. This network has been buying into every outlet ( stalking ) to a malicious and intimidating degree. They have literally taken over the bank in question ( Discover Bank ) using subversive and sometimes painful medical equipment ( compromised IP server, etc. ) and are currently canvassing for other targets. My personal lose ( for XXXX ) has been an anticipated yet sacrificial loss of a personal loan received from a different bank. It was for {$1000.00} but was to be used for case management expense and personal bills, not as a test money mule exploit for XXXX extremists. XXXX apparently is subjected to the extremist group, virtually changing directives mid conversation, lying about a " verification email '' and how difficult it is to reschedule it. This verification email should have been reproduced but has not been, thus instigating further loss of time, communications and liability corruption. The loss of access to the account is the basis of this complaint. 

I can isolate and even triangulate their position, but apprehension may require assistance. Case management is sustaining communications via internet and mental health facilities, yet recidivism and simple candlestick signals help boost and amplify their position. I don't want to be the arresting party ( : ), I only want to pay my creditors and live in peace without XXXX XXXX and XXXX XXXX  This is supposed to be an antitrust case ; an official antitrust compliant will be filed, but the litigant are still being investigated as a XXXX  compliant. Be diligent.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple violations of my rights by XXXX, XXXX, XXXX and TransUnion for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

1. Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My XXXX XXXX bankruptcy was
reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ).

2. Violation of FCRA Failure to Remove Charged-Off Accounts ( 15 USC 1681e ) The charged-off accounts reported on my credit file have not been accurately reported, and I request that these accounts be completely removed and deleted from my credit report. These accounts have been repeatedly updated every month as charged-off, which falsely manipulates the statute of limitations. A charged-off account should not include an active payment history. The inclusion of a payment history for charged-off accounts is inaccurate and misrepresents the status of these accounts. This negligent reporting violates my rights under FCRA regulations, which require accurate reporting and timely investigation.

3. Violation of Financial Privacy Laws ( 15 USC 6801 ) I am concerned that my financial privacy has been violated, as personal information regarding my bankruptcy and charged-off accounts was disclosed to third parties without my explicit consent. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect the privacy of consumer information.
Product: Credit card or prepaid card

I put hundreds of dollars on a XXXX card I bought thinking it would be no problem to set up and use. It was a huge problem. XXXX had locked the card and I was unable to access my money on the card! They essentially stole hundreds of dollars from me. Whatever you do, NEVER I repeat NEVER BUY a XXXX PREPAID CARD, if you wish to use your own money. XXXX allowed me to buy the card and load money onto it, then locked the account so that I could not use my own money, for all intents and purposes stealing my money.
Product: Student loan

I have had many problems with XXXX XXXX XXXX, formerly XXXX XXXX XXXX. Usually in regards to customer service and contacting the company for help in any way being unreasonably difficult.

COMPLAINT # 1 : Some time last year, XX/XX/XXXX, I signed on to my online account to make a payment to see that I didn't know anything for the month which I found strange because I didn't remember paying, so I decided to keep checking back on the site periodically in case it was a mistake. The following month I received a letter from XXXX telling me that my one month loan deferment had ended and that my payments going forward would be raised slightly to compensate for the month missed during deferment. I never applied for a deferment. I submitted no paperwork for a deferment. I never made a call to XXXX  asking for a deferment so there is no legal reason for them to have applied one to my account.

COMPLAINT # 2 : Several months ago I signed onto the XXXX  site to make a payment but saw that I didn't owe anything for that month, which I found strange because this had already happened to me before. The following month I logged on to the XXXX  site to make a payment and found that I owed for two months. Obviously frustrated, I paid for two months at once to avoid getting late fees which put a strain on me financially for a little while as I had not planned to have to pay double after the missing a month.

I tried to contact XXXX  about both of the complaints described above a few months later via a customer service request and never received a response. I don't have any exact dates but this took place over the course of the last year - late XX/XX/XXXXto early XX/XX/XXXX.

COMPLAINT # 3 : Today, XX/XX/XXXX, I tried to call XXXX  to make a payment after being unable to log in to my online account for the last two days ( every time I tried I saw a message that said " that service was temporarily unavailable. ) I first tried accessing my account over the phone with my SSN, which they said was not connected to any account in their system. This is obviously not true as I've been making payments on my loans since XX/XX/XXXX I then tried accessing my account over the phone with my account number. I would wait to be prompted, enter my account number, the machine would say " Thank you '' and then hang up. This happened three times in a row and I was never able to make it through to a customer service rep.

I need to make payments but my only method at this point is mailing a check.
Product: Money transfer, virtual currency, or money service

The XXXX XXXX XXXX  XXXX XXXX XXXX opened a company account in PAYPAL in XX/XX/2019, in order to receive payments from the offer of services such as training courses. 
At the time of opening, the balance could be withdrawn by credit card. However, it is important to note that this information is not easy to find and is not discussed in the terms and conditions for opening the account. 
Currently, it is not possible only through a bank account in the United States and by check. The Foundation can not open a bank account in the United States. 
We have written 3 times in the last month, through the messaging service to ask the bank that issued the check to be able to cash it in XXXX, before requesting the balance by this means. 
As they do not respond to us, we directly try to request the balance by check and we were surprised to verify that it is not possible to withdraw this balance by this means either. 
We demand the return of this balance immediately. 
We have screenshots that show what was said.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX account # 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.