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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX BalanceOwed : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXX Owed : {$660.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Bank account or service

Bank of America is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive it.
Product: Money transfer, virtual currency, or money service

Everyone who I did business with and had and have a bank account with had data breach and they didnt notify me when I tried to tell them that my credit card account and bank accounts was compromised before they all had a data breach and they ignored me for years and I lost my money and I lost my credit card account and my business accounts which I am currently homeless due to the fraudulent transactions and the fraudulent activities on my credit report and they still havent paid me for everything that I have lost and my credit report is ruined because of Capital One credit card account and bank accounts and XXXX XXXX accounts and XXXX  account and XXXX XXXX and XXXX accounts were all compromised and I have reached out to them repeatedly in XXXX until now I have lost my entire identity information regarding their data breaches and they are selling my identity information on the dark website for years and I have to change my social security number because of this data breaches and I they will be held accountable because I have worked very hard for my business and my money and they allowed these fraudulent activities to happen to me and they tried to cover it up by closing my accounts with Capital One credit card account and bank accounts and they all did the same fraudulent activities and they ignored me and they closed my account down to XXXX XXXX  accounts and I have already filed a identity theft claim against Capital One bank accounts and credit cards and XXXX accounts and XXXX XXXX accounts and XXXX data breach also and I have repeatedly contacted them to confirm the identity theft insurance claim with them and XXXX XXXX XXXX  which I have paid since XX/XX/XXXX and they have not responded yet but I need my life back and everything that they allowed to be stolen from my bank accounts and my credit card account ect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXX, GA XXXX also address XXXX XXXX XXXX XXXX, FL XXXX. 15 U.S.C 1681 section 602 A. States I have a 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 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 item of information, other than records of convictions of crimes which antedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company continues to report and attempt to collect on a debt that I paid in full over a year ago. The original creditor was XXXX and they are no longer attempting to collect, because I paid the debt in full.
Product: Debt collection

I have reached out multiple times in the past to have this debt removed it does not belong to me. This is a fraudulent situation and the company refuses to remove the collection from my XXXX  report. The only thing the company could provide was a phone bill that dosent solve or mean anything. I want this fraudulent XXXX  account removed from my XXXX report and to not be reported ever again. The company reporting this account right now is convergent outsourcing. Please help with this fraudulent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is n't reporting an account and balance under negative accountant hat does not belong to me I have reported this to home for years and they are now asking for a police report which was originally sent to them and I 'm told I can not obtain a new one since this is XXXX years ago This account and balance from XXXX  XXXX credit card do not belong to me and needs to be removed from my credit file immetiely They continue to violate many credit reporting rules and regulations and have been noticed I of this error for years and have failed to make it correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account 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 Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I received loan years ago, despite barely making more a year than I took out in the loan. I was able to make the very expensive monthly payments, barely. I was diagnosed with XXXX XXXX in XXXX, I had XXXX expensive surgeries including XXXX and I was off XXXX months on XXXX. Despite me telling them this, willing to sumbit lab results and surgical reports, they continue to charge me late fee 's while I struggle to barely make these payments by the XXXX late due date. Hundreds I have spent on late fee 's with this company, despite my own hardships. My interest rate is insane and should also be recalculated. I have a XXXX XXXX XXXX. I have been married for over XXXX  years and we have XXXX kids in college. Please understand, this is a legitimate hardship that they continue to take advantage of.
Product: Credit reporting or other personal consumer reports

I have identified XXXX fraudulent accounts in my TRANSUNION report that I would like to have removed.
Product: Debt collection

there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.

FTC identity theft attached
Product: Debt collection

CAVALRY PORTFOLIO SERVICE called and did not identify themselves. Then she asked for my birthday and other information. When I asked what it was about, she stated that it was " personal information. '' Again, I stated that I would not give her my birthday or any other confidential information until they identified themselves and what they were calling about. She stated that she had my social security number and birthday ; they just wanted to confirm my identity. I asked for the reason a second time. Again, it was " this is a personal business matter. ". I refused to give her any information and told her not to call again. They called two more times, using the same explanation that this is a " personal business matter. '' I refused to give her any information until they identified themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACM WAS LISTED ON OUR BK XXXX XX/XX/2017 AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX  THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX  Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Checking or savings account

Two bank accounts XXXX XXXX and Capital one had checking and saving accounts open with my social security # and former last name, which is XXXX
Product: Credit reporting or other personal consumer reports

I exercise my right to opt out and be forgotten in your database you have sold my data to third parties, deprived me of my right to freedom for failure to correct your reporting causing harm and for use of my name in trade privately. I demand for the CFPB to hold this company accountable and remove all reporting plus provide compensation. 

Right To Opt Out -17 CFR 248.124 - 1016.7
Product: Debt collection

this is a direct dispute through this web site the amount and account I do not owe, I have my policy and I have my bank statements only notice I will give for you to validate this account, and amount you claim I owe if you tradeline shows up on my credit report, I will file suit in XXXX county,  making validate account and provide my proof you can bring what ever. 

Under FCRA I can sue for a {$1000.00} per report if information is not validated or accurate. 

thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

espite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX
Product: Credit card or prepaid card

I received a form letter from JPMorgan Chase informing me, " that in accordance with the instructions received from my attorney, we are providing nine years of credit card receipts to you wife for your individual Chase accounts ; and changing your mailing address ''. 
I never requested or authorized this action. The attorney who sent the letter did not have the authority to do so. I have filed a complaint with the California State Bar, but I can not proceed against the attorney or my wife for violations of the Credit Card Act of XXXX and other statutes because Chase ; despite several requests, has not provided me with any copies of the correspondence. 
This event occurred in XXXX, XXXX ; and to date ; my credit card statements are still being sent to an address I did not request, making it extremely difficult to prevent any late payments or other issues. 
I have had no cooperation from Chase.
Product: Debt collection

This company is attempting to collect a debt that is more than XXXX years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.
Product: Debt collection

Dear CFPB Representative, I am writing to formally submit a complaint regarding AFFIRM INC, who has failed to send me a copy of the XXXX form for XXXX accounts reported charged off/paid to them XX/XX/year> in the amounts of : {$630.00}, {$670.00}, and {$680.00}. Despite my repeated requests for this documentation, AFFIRM INC has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : Internal Revenue Code ( IRC ) 6050P : This statute requires creditors to report the cancellation of debt, including issuing a XXXX form to consumers when a debt of {$600.00} or more has been canceled. 

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt. 

The absence of the XXXX form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by AFFIRM INC . The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Hello, I signed up for a XXXX credit card a few months ago as part of the checkout process. At the time I was interested in a few furniture purchases and was enticed by their rewards program. 
During the same period, I moved a new address and notified USPS of the change. 
However, I havent received the credit card, any statements or correspondence from XXXX since the beginning. Given the lack of communication, I was unaware of any charges that I may have to pay. 
About a month ago, I was performing a routine credit check on XXXX XXXX and noticed that my credit score has dropped significantly. I noticed that I had some late payments for XXXX. To rectify the matter, I called XXXX customer service and was forwarded to their collection department. I explained the situation to the involved personnel and attempted to offer payment of the intial charge and initial fee. In exchange, I requested them to remove late fees and fix my credit score. However, they refused to engage in any resolution other then full payment including late fees and no engagement on credit score fix. 

Hence, this is my last resort to get this fixed. I have had excellent credit with always on time payments. I am hoping to get back to that. Thank you!
Product: Student loan

I received a call today from a XXXX XXXX with the XXXX debt relief firm telling me about student loan forgiveness and then telling me I needed to pay either XXXX in XXXX monthly payments or pay XXXX in XXXX payment to be enrolled in this program. They even went as far as having navient call me and verify information. I felt uneasy about this whole process and was then threatened with the garnishing my pay. The lady with navient gave me an id number of XXXX. XXXX got upset with me when I got upset over the money they wanted to enroll me. They are saying they are with the us XXXX XXXX XXXX I ca n't make the loan payments and was I thought in forbearance and was informed that ended in XXXX of XXXX and I was n't even aware of it. I feel like I should n't have to pay for something I went online and applied for myself. Also the phone number XXXX XXXX called me from was from XXXX XXXX that made me leary to begin with.
Product: Money transfers

I use PayPal to send virtual currency to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of Service that I was unaware of and immediately placed my money on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond. I have also called and am almost immediately " transferred '' but every time the connection gets lost during that transfer process. So a friend advised me to file a complaint through this website about PayPal holding onto my money for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reported negative on XXXX and Transunion XXXX, XXXX, and XX/XX/2019. My account was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  are reporting incorrectly that I am 120 days past due on loans with NAVIENT - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not doing their job and removing late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report XXXX XXXX ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries
Product: Checking or savings account

Bank of America gave me a credit of XXXX for a disputed monthly charge of XXXX that had been a reccuring charged on my account since XXXX from a Business App from the XXXX that I did not authorize. Then on XX/XX/XXXX they reversed the claim and charged my checking account XXXX and called it a Temporary Credit reversal with the claim number ending in XXXX. 
I called to ask why and they stated that they reversed the credit on that grounds that I did not stop they recurring charge in a timely manner and cancel the card before I noticed it. Please note when I did notice the charge I immediately cancelled the card and reported it as a disputed charge to the Bank of America fraud department. 
It seems they are now committing fraud by reversing the XXXX randomly for a dispute that they already gave me a credit for. The grounds on which they reversed it seem extremely supicious. It looks like they just decided to garnish my account for an old claim just to aquire funds for their institution. 
If this seems to have happened to a lot of consumers who bank with them in this way I definitely feel it is an act of internal fraud at Bank of America.