23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been locked out of my account for the 2nd time in as many years with no explanation, contact or support. I tried opening support tickets and all were auto-closed. The last email/ticket I created on XX/XX/XXXX was ignored to date but may still be open with zero response. There is no phone number, email is ignored and tickets closed, i have no way to contact anyone. I filed a XXXX  complaint which was also ignored.
Product: Credit reporting

I have numerous errors showing on my credit report. After reviewing it I sent Equifax a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that equifax has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurate Employer Information Compliance with 15 U.S. Code 1681e ( b ) I am submitting this request to dispute and demand the immediate deletion of outdated and inaccurate employer information currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are legally required to ensure the maximum possible accuracy of consumer information. 

Inaccurate Employer Information to Be Deleted : Incorrect Employer : XXXX XXXX Reason for Removal : This employer is outdated and no longer associated with me. It must be deleted to ensure the accuracy of my credit file. 

Legal Basis for Deletion : As outlined in 15 U.S. Code 1681e ( b ), consumer reporting agencies must establish and follow reasonable procedures to ensure maximum possible accuracy when reporting consumer information. The continued reporting of outdated employer information violates this standard and adversely affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX XXXX Call Center for student loan collections on XX/XX/XXXX where I told XXXX XXXX representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, XXXX XXXX reported me late and in my previous complaint i stated this and XXXX XXXX denied saying approval of forbearance. I disagree and know that XXXX XXXX is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX   - reporting on my XXXX report XXXX - XXXX - reporting on my XXXX report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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 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: Mortgage

I was supposed to get back {$1500.00} at closing. I have called the company at least 3 times and have been hung up all 3 times. This is quicken loans
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Violating Fair Credit Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their failure to accurately report my credit information, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 relating to the accuracy and fairness of credit reporting. 

Despite my consistent and timely payments on my XXXX credit card, I have noticed that these payments and my corresponding credit score have not been reflected accurately on Equifax 's credit report. This lack of accurate reporting has adversely affected my credit standing and overall financial well-being. 

Enclosed are screenshots and documentation that support my claim, clearly showing the discrepancies in my credit report. It is crucial for consumer reporting agencies to fulfill their responsibilities with fairness and respect for consumers, as emphasized in the findings of Congress.

I kindly request that your offices investigate this matter and take appropriate action to ensure Equifax rectifies these errors and upholds the standards of fair credit reporting.

Thank you for your attention to this serious issue. I look forward to your prompt response. 

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

fruad this company has committied fraud the result personal gain with out my permission my info on there platform is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed XXXX XXXX XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed XXXX XXXX XXXX as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XXXX, I contacted XXXX and Equifax via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, XXXX XXXX XXXX account is still being furnished on my consumer reports via XXXX, XXXX, and Equifax. I, XXXX XXXX XXXX, never gave XXXX XXXX XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and several data breaches. I have unauthorized account and inquiries on my credit report that I did not consent to or recognized. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Money transfer, virtual currency, or money service

I am making a consumer complaint against the digital payment service   Paypal.
I think I opened my Paypal account about ten years   ago though I am not completely sure about that. I used the account for occasional  XXXX  transactions and personal payments ( ie, reimbursing a roommat e for rent ). This  was not a heavily used account. In  XXXX   XXXX , I tried to receive a personal payment and was informed that my account was 'limited '. They did return the money to the payer, so my complaint does not include improper holding of funds.  Paypal woul d not tell me why my account was frozen other than there was 'suspicious activity ' with my bank account. I contacted my bank and they had no record or flags of anything suspicious with my account.     To unfreeze my account,  Paypal requeste d that I email them copies of my driver 's license and a current bank statement. I felt that requiring a DL was a violation of privacy as they already had my SSN, address, and bank account info on file. I chose not to do this and accepted that I no longer ha d a Paypal account. Ab out a year later, I wanted to sell something online so I tried to unfreeze my account. I emailed them a copy of my bank statement and a scan of my DL though I did blur out the number out of privacy concerns. I have no idea how Paypal intended to keep this info secure and felt it was not in my best interest to share my DL number. Their claim of suspicious bank activity could not be verified by my bank so I hesitated to trust them with more of my data.     After their recent loss in a class-action suit in CA regarding improperly freezing user accounts, I contacted them again in  XXXX   XXXX . This time I was told that my account had been frozen because my bank account number had been reported stolen. I asked them why they had not alerted either me or my bank at the time they discovered this. The representative said that is not their policy. The phone rep said I could email in a clear scan of my DL and a bank statement and my account would be unfrozen. He said he would send me an email containing a link to a secure site to upload these documents.     The email never came, and when I shared this information with my bank they were not aware of any issues with my bank account regarding stolen account numbers.     I am making this formal complaint against  Paypal for d  e ceptive business practices. The reason they froze my account could not be verified by my financial institution and they have demonstrated an unwillingness to correct their mistake.     While I have not suffered outright financial loss, the service they provide is nearly a public utility in the area of online commerce. Without being able to move funds through their service, they have effectively rendered me unable to participate in buying and selling online.     What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. Please repair this account ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX {$750.00} XXXX & XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX {$8500.00} These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action.

Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, the ATM at the PNC XXXX XXXX branch suddenly stopped working around XXXX. I attempted to use the APP and my credentials were denied. I tried to use the app from XXXX - midnight and later and still continued to give trouble - this morning I see XXXX overdraft fees for {$36.00} on my business checking account. I would like the fees to be removed - PNC has technical/ system issues and the institution is taking it out on the small business owner who has to manage the bank 's issues with their mortgage department, their business department and various other departments. 

Additionally, i reported a transaction that looked like a fraudulent issue on Sunday XX/XX/XXXX and it took me more than 2 hours to get connected to the fraud department - who then resolved the issue after more discussions. If I had not insisted on speaking with the fraud department, the matter would not have been flagged nor would I have had a {$370.00} debit resolved. 

PNC 's customer agents are unable to resolve issues anymore and most of the time the customer is having to move complaints up the chain at considerable cost to their own business.
Product: Credit reporting or other personal consumer reports

Equifax 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 an account without my written instruction.
Product: Credit card

XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the continuation of complaints filed against XXXX about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called Heartland ECSI with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding XXXX party contract with me? I want to verify that there is no debt parking on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account auto account is reporting as late/derogatory and it is showing as being paid in a payment plan through chapter XXXX. This information is incorrect. My auto account has never been late and it is paid directly to NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to Harley Davidson Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX XXXX XXXX and also to the credit agencies to no avail. I DO NOT own a Harley Davidson and I never have. This is the result of someone opening accounts in my name.
I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a harley. I have spoken to Harley Davidson and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.
Product: Debt collection

The below company is incorrectly reporting on my credit report and they refuse to remove their erroneous collections account from my XXXX   Credit Report. I have contacted them, XXXX, etc and they simply refuse to remove the {$600.00} collection which is not mine. This is not right. 


Capital Accounts : Telephone XXXX Fax XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled debt with company called " XXXX XXXX XXXX ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly am seeing updates on my Experian and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX  XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.