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

I am very aware that often times experian consumer complaints are often time avoided or filed as a possible XXXX party. i am in fact who i say i am and please CFPB make sure that experian does their job on filing and the processing ofI have submitted my FTC report to Experian more than XXXX time. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough that experian has failed to honor my rights as i have asserted them on more than XXXX occasion. I have contacted experian via phone as well mail with several attempts. i have proof via usps that shows that experian has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX account XXXX are violation my rights, XXXX XXXX are violating my rights, XXXX are in violation of my rights. which shows that the companies named in this complaint as well as experian are all violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( XXXX, XXXX and experian ). I have in fact been a victim of the XXXX security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and their hiccups. i have made numerous attempts to get Experian to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have experian do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization this complaint. 

Also experian is reporting inaccurate and incomplete information on the XXXX XXXX XXXX XXXX account that is reporting negative information of late payments as well as the XXXX XXXX XXXX XXXX  account on my credit report that is reporting negative information of late payments. i the consumer never received a notice of negative information from either capital one/bass pro nor from XXXX & XXXX XXXX XXXX these XXXX banks or creditors are reporting late payments on my credit report. pursuant to us code 15 us 1681s-2 via paragraph ( 7 ) furnishing this information the financial institution was to provide a notice of such furnishing of negative information, in writing, to the customer. a late payment is negative information, this negative information has caused me to miss in my life and i have suffered tremendously from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial ( 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, the dispute resolution process was unfair and deceptive, as they did not comply with Error Resolutions 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: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct : # 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: Debt collection

PayPal has defiantly refused to pay me back my stolen funds. After I made an initial complaint, they claimed said I accepted a payment for cryptocurrency, which is all false. 

My fair business of programing/Coding and selling of open source products to my clients has seriously been affected by the clear stealing of my funds by PayPal over nonexistent damages.

All charge back cases against me has been resolved amicably without an exception. 

I need to make it clear to you that, I did not sale any digital currency, I only created the codes for my client ; I code and create for people. In which case I did not infringe on any of the terms or conditions as agreed in the creation of this account. 

As clearly stated in PayPal 's Acceptable User Policy ( " AUP '' ), this service as regards coding clearly doesn't involve a sale of CRYPTOCURRENCY which would have in its case need prior approval from PayPal, but rather the sale of codes by a programmer to an individual, which in this case requires NO prior approval from PayPal as the payment gateway. 

I hope this is clear enough now, I SOLD CODES, NOT CRYPTOCURRENCIES. 

Whatever the use was later on by the man is clearly not my liability. 

I made it clear and blunt " I completed my own part of CREATING and LISTING '' this was basically coding and uploading the codes. As stated before whatever he might have used the codes for afterwards is not my liability. And it should not be a liability to my business either. 

- There was no sale or purchase of any digital currency from my business. 

- The amount agreed upon between my client and myself was contended and the remaining balance in tune of over {$1700.00} USD was payment for my service. 

- I type lines of codes for people. That's the job of a programmer.

- In line with this ; My rights as a user of PayPal were clearly infringed, as I did not go against your AUP. And with that, firstly the clear mistake of the deduction of over {$1700.00} USD under the transaction ID : XXXX and XXXX respectively should be reimbursed to my account. 

Yet after provision of prove of transaction PayPal denied me refund of my stolen funds. 

I have not poised a treat to PayPal neither have I violated, or gone against it's policy and as a loyal I demand for my refund. 
Refusal is refund me is a scam from a very reputable company, illegal and out of what they have always promised as a legitimate financial institution, an act that can't even stand in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX USA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

11. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

12. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/XXXXPlease remove it from my credit report.

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

14. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

17. Identity Theft XXXX XXXX Account Number : XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
Product: Debt collection

[ XX/XX/year> UPGRADE INC XXXX XXXX XXXX XXXX, XXXX FLR XXXX, AZ XXXX XXXX VIA XXXX XXXX RE : VALIDATION OF ACCOUNT Account # ( XXXX ) To Whom It XXXX Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX. 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX ) Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX CC : XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I got an email from paypal i can no longer used their service for no reason. I know this is a mistake they always hold also my money everytime i received from my clients. They are not doing their job very well with their customer. They wanted me to wait for 180 days and give instruction how to get my remaining balance. That's not fair. They need to improved their system. My email link to paypal is XXXX XXXX
Product: Checking or savings account

IM AN UPSET BUSINESS OWNER CONSUMER. Clover Merchant Services at XXXX has stolen my deposits. They keep providing me on " RECORDED CALLS '' that they are going to deposit my business funds into my account and " IT NEVER HAPPENS! '' I feel like Clover Merchant Services is scamming me. Everyday when I call into Clover. I always get a different scenario or a set promise of receiving my {$14000.00}. I have spoken with numerous staff at Clover and yet NO RESOLUTION. On Clover recorded calls I have spoken with Account Soecialist XXXX XXXX, XXXX XXXX XXXX the XXXX XXXX supervisor, XXXX XXXX, XXXX XXXX XXXX & many more. And yet " NO RESOLUTION! '' When I ask to speak to higher authorities, Clover claims that their in a meeting & can not tend to the phone. When I ask for Regional Managers or even the number to Headquarters, They never can provide that information as well. My business is beginning to drown due to Clover Merchant Services-Bank negligence . 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, XXXX TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$23000.00} from XXXX XXXX  XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trying to obtain a HELOC from XXXX XXXX XXXX XXXX ( XXXX ). We checked our credit scores before application, on XX/XX/2024 received a call from XXXX that our scores were coming back as XXXX point lower than what we pulled from the myequifax.com site. On that same day I called Equifax to inquire why they are showing one score but reporting a score to the lender that is XXXX points lower than that. I was told by Equifax that they could not provide this information but that it could be due to how the bank is running the credit score. How is that even relevant? I Do realize that different credit bureaus rate credit differently, however if I am looking up my own credit score from the same agency the lender is, how can it be that significantly different. This was for both mine and my spouses scores.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Debt collection

I had previously requested that CU Recovery do not contact me at work. They violated this request today, XX/XX/2020 at XXXX XXXX CT.
Product: Mortgage

on XX/XX/2023, 21st Mortgage contacted me about a payment I was supposed to make. I was unable to make the payment and would have the funds by XX/XX/2023. 
The first rep XXXX wanted to adjust the payment date and called the supervisor to approve it. The supervisor XXXX came on the call and the sound faded. I apologized and said the call is fading and I can't hear you. She implied that I was lying about not hearing her. They both began interrogating me asking why I didn't make the payment as I said and that I am always late. I explained that I am not a child but a XXXX woman. She replied back that I am acting like a child. I asked to speak to her supervisor and she said she was the supervisor and there was no one to talk to. I have never been 30 days late and was made to feel less than. It was 2 against one they both ganged up on me and began verbally abusing me. She also mentioned that my file was flagged for being a difficult customer. I want to file a complaint against the reps that treated me in a very unprofessional manner. It is worth noting that the reps were XXXX  and I am XXXX XXXX. I assume because of this they could communicate in a disrespectful manner.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the continued presence of fraudulent items on my credit report, despite a second attempt to rectify the situation. The handling of this matter has been deeply unsatisfactory, and I feel compelled to bring this issue to your attention formally. 

I initiated the process to dispute and remove unauthorized and fraudulent items from my credit report. Despite a previous attempt, these items persist on my report, causing significant distress and concern about the accuracy of my credit history. 

I understand the importance of promptly addressing fraudulent activities and maintaining the integrity of credit reports. I expected that the second attempt to rectify this matter would yield positive results, but unfortunately, that has not been the case. 

I insist on an immediate and thorough investigation into the reasons for the persistent presence of fraudulent items on my credit report, despite a second attempt to remove them. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent similar lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the successful removal of the fraudulent items from my credit report within the exact time frame of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my crewdit file : 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Checking or savings account

Vustar Company stated that previous company XXXX XXXX XXXX XXXX savings account was opened when I was XXXX XXXX XXXX and overdrawn and they can't provide who opened the account and stating I am responsible bc it is in my name I told them I did not authorize the use of my social security to anyone. Balance is overdrawn XXXX and I have no knowledge of this account. I tried claiming fraud but they refuse to file a report and tell me that I'm responsible for the negative balance. They don't have any accurate information or can't provide details of account other than negative balance amount. I was told 2 different stories about the account being a checking account with my ex husband yesterday when the representative called me about it. That was not true.