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

XXXX XXXX has been violating federal reporting rights for the last XXXX years. I've requested a copy of my credit report for the last XXXX years they refused to give me a copy of my credit report they have suppressed my credit report they have sent me a document saying, they have suppressed my credit file they even allow someone to put a consumer protection, fraud alert with another person name, and another person 's contact number on my credit report that was there for XXXX years, allowing this person to use my credit for their personal use they did nothing to stop that. It cost me hardship now I have all this they won't validate any of the fraud on my credit report, and I can't correct anything because they won't allow me to pull my credit. I've been denied multiple denial of credit because changing it won't let my credit even be pulled.
Product: Credit reporting or other personal consumer reports

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt.

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the account listed is deleted IMMEDIATELY!
Product: Credit card

On XX/XX/2023, I attempted to log into my Navy Federal Credit Union App, however, I couldn't because a received a pop-up message that stated " We're unable to sign you in. Please call us at XXXX for further assistance ''. I immediately contacted them at the listed number and waited on the phone with customer service then the fraud department for about 45 minutes to find out what the issue was.The fraud department stated that they had an issue with my business partner with an issue that was not directly related to me and had nothing to do with my personal account or our business account there at the bank but they wanted to ask me a few questions. I agreed to answer whatever questions I could based on the fact that this was my first time being made aware of the issue. I then answered what I could and told them I would speak with my business partner about what he had going on with Navy Federal Bank and get back to them. I called back on the XXXX and was placed on hold for over an hour so I disconnected the call and called backed on the XXXX. On the XXXX I was finally able to get someone in the fraud department, I answered all the additionally questions which didn't seem to make a difference at time because they had already decided to place a permanent restriction on my personal account, my business account and my credit card with them. I have never been late with my card payments and I have always had a good history with Navy Federal Credit Union and now all my accounts are closed.
Product: Vehicle loan or lease

I purchased a new travel trailer from XXXX XXXX on XX/XX/XXXX, and financed through Bank of the West. The amount financed on my retail installment contract is {$17000.00} and payment amount is {$160.00}. When I received my loan payment book from Bank of the West it showed a balance of {$26000.00} and payment amount of {$230.00}. I called Bank of the West onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also went in to a local branch on XX/XX/XXXX. Everyone that Ive spoken with agrees that the amount is incorrect and they have a different vehicle listed as the collateral than what I purchased. Im always told that itll be fixed within 48-72 hours. I had to make the higher payment on XX/XX/XXXX to avoid having a late payment show on my credit report and I was told it should be fixed by the next week. The next payment due date is a couple weeks away and Bank of the West still shows my balance {$9000.00} higher than it should be and a higher payment than what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank ( Bread Financial ) has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.
Product: Debt collection

For the past 2 years between the dates of XX/XX/2022 - Now I received phone calls and emails claiming that I owed money to this party. I called to request a letter of verification and validation of this debt by contract between their company and myself. I was denied several times. I am unaware of where this came from but it does not belong to me
Product: Debt collection

I was sued my XXXX University for XXXX loans. I loss the case due to an incompetent lawyer. But my complaint is against apposing attorney XXXX XXXX who represented XXXX. Atty.Cheadle has harassed me with illegal depositions and my best friend as well. I have filed with the XXXX which governs attorney 's. I have also filed a lawsuit against XXXX XXXX and Atty XXXX XXXX XXXX because she took a deposition illegally. The depositions are conducted without a Court Reporter. It is illegal as well to gather data from myself and XXXX XXXX. I have just filed a loan paperwork for falsified loans. In court I loss because my attorney did n't send the exemplars to the handwriting expert and Attorney XXXX asked the handwriting expert to go ahead and make a decision without my writings. My attorney sent them late and the Court had already made a decision. I am writing this complaint to complain about the harassment after the hearing. Cheadle Firm and Law has completely ignored the law and I do not believe that I am the only one the firm practices this unlawful acts upon. I am seeking help asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING A INACCURATE LATE PAYMENT ON MY CREDIT REPORT ALL MADE ALL MY PAYMENTS ON TIME IT NEEDS TO BE CORRECTED.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal complaint against PayPal regarding the prolonged withholding of funds from my account. On [ date ], PayPal placed a hold on the amount of [ amount withheld ] in my account, and despite numerous attempts to resolve the issue, the funds have been withheld for over six months. 

This hold has had a significant impact on my financial stability and has caused undue stress and inconvenience. Despite my compliance with all relevant terms and conditions, PayPal has failed to release the funds or provide a satisfactory explanation for the extended delay. 

I have made multiple inquiries to PayPal 's customer support, and each time I have been met with vague responses and no clear timeline for the release of my funds. This lack of transparency and the extended duration of the hold have caused severe financial strain. 

I believe that this action by PayPal is unjust and in violation of fair consumer practices. I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure the prompt release of my funds and prevent such practices from affecting other consumers. 

Enclosed with this letter are copies of relevant documents, including correspondence with PayPal, to support my complaint. I am hopeful that the Consumer Financial Protection Bureau will address this matter promptly and provide me with a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The bank locks me out of my account for putting in proper login information and password. When there website continues to crash and not accept the login token because its not compatible with XXXX or XXXX. When you get sent the sms text the web browser crashes. Then I repeated this three times and the website kept crashing When thru the website reset process. It required me to login, put the account password, enter my social security number and then my debit card number and pin number. The website had all the correct information and i am still being locked out by the M and T Bank. 

When I called customer service. I got a rude male representative who was not willing to go thru the steps to unlock my account and demanded to have some sort of power control over me. By accusing me of things that where not true. Then he wanted me to acknowledge him in a power control way and when I repeated to him are you going to help me unlock my account or not her refused several times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Subject : Dispute of Unauthorized Personal Loan Reporting Dear, I am writing to formally dispute an entry on my credit report related to a personal loan reported by XXXX. I have reviewed my credit report and found an entry for a loan that I did not apply for or authorize. This entry is inaccurate and violates my rights under the Fair Credit Reporting Act. 
Details of the disputed entry are as follows : Creditor Name : Experian Account Number : XXXX  Date Opened : XX/XX/XXXX I have never initiated any application for a personal loan with XXXX, nor have I given permission for any such transaction. Therefore, I request that you investigate this matter promptly. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report, and I am requesting that this entry be removed from my report. 
Please conduct your investigation and provide me with the results. I would appreciate a written response confirming the removal of this unauthorized entry from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights to privacy. 

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 : 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 items of information, other than the 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear staff I am writing regarding a problem I am having with Equifax. I am unable to retrieve my credit report and score from them using there credit monitoring products, in addition No one else can retrieve a credit report or score online I have been unable to get credit and better interest rates because no company can get any of my information from this company so I am only able to use the other burueas. I have made multiple phone calls and spent hours on hold. the agents at Equifax also say they are unsuccessful in retrieving my credit report. they stated they will put in a ticket to get it fixed. because of this I have lost the opportunities for greater credit limits and better interest rates since some companies rely on an Equifax score and report. I am now only able to use The other XXXX bureaus for credit as I stated before. this company has cost me a great deal of money and time. I want my credit report fixed. 

also note that the credit cards I currently have are not being reported to Equifax because my creditors are saying when they send over a new tradeline to Equifax it comes back with an error message or a kick back from the company. 

also note this been a problem for almost XXXX years and I have tried many times to fix this with the company, unfortunately I now have to seek help from CFPB.
Product: Debt collection

Debt was previously settled with another DSC. Appears original creditor is still trying to collect the remaining balance after agreeing and accepting a lump sum settlement payment. 

Tried to call new DSC no one answers the phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there is still some account on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few account on my report. Any account reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello this year I found that my personal information was put out into the world in more than one data breach. This has caused my credit information to be wrong and given me credit issues because now I am the victim of identity theft. I have frozen my credit, reported to all 3 credit bureaus asking that false items and misrepresented items be removed. I reported to XXXX XXXX XXXX and more. But per 15 U.S. Code 1681e ( 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have money On my Card and I can withdraw Anything and this happened about 4 days Ago and I have Bills to pay and these Nooo way I can take it off Ive tried everything
Product: Checking or savings account

On XX/XX/2021 I tried making a purchase through XXXX for {$250.00}. The transaction was DECLINED. However it still withdrew the money from my account. Called XXXX and was told needed to file a dispute with my bank ( card issuer ) because since the transaction declined they have no record of it therefore cant refund my money that they didnt receive. Filed a dispute with Simple/BBVA on XX/XX/2021. On XX/XX/2021 received an email from Simple/BBCA saying it was denied. 
The reason ( s ) for denial : -Your assertion of error does not conform with facts and transaction activity. There is no evidence that an error took place. 
-There is no evidence that this is a duplicated charge. Each transaction has their own identification and authorization code. If you believe there is still an error, please make sure to reach out to the merchant for a refund. 

Im out {$250.00} that I desperately need and XXXX says that!
Product: Credit card

Well I made some mistakes when I was younger and now Ive been paying my bill monthly and my debt went from {$5000.00} to {$10000.00} in 4 years. Im struggling to make payments now and every time they call they insist I pay it no matter what. Ill try and tell them Im having money troubles and they tell me I have to pay the monthly payment and if I miss one Ill have to pay more
Product: Credit reporting or other personal consumer reports

This amount was paid and its reflecting my account as collection.
Product: Mortgage

I have been a Bank of America Customer for almost XXXX 

My deposit accounts, loans, and mortgage are with Bank of America. I have never been late on a mortgage or loan payment. I have never gone over my limit on my deposit accounts. I have been a very good customer for the bank since XX/XX/XXXX. 

In XX/XX/XXXX, Bank of America sent me a " pre-approved '' offer to refinance my mortgage, highlighting the savings I would realize. 

I called in to the telephone number on the pre-approved offer and spoke with XXXX XXXX, NMLS # XXXX about the offer. Thereafter, I completed my refinance application, submitted supporting documentation, had an appraisal completed on my home, and paid processing fees. 

My Loan Officer, XXXX XXXX, NMLS # XXXX was wonderful on the XXXX calls when I was applying and offering a deal. Then he vanished. Weeks went by without him answering my calls and requests for information. The few times I spoke with him, all I got was, " everything is fine, we 're going to close very soon ''. I got pawned off to his co-workers on several occasions, and although they were pleasant, all they would tell me was that it was n't THEIR file, and XXXX was unavailable. XXXX voicemail has stated that it is " XX/XX/XXXX '' for over two weeks. 

I called XXXX manager, XXXX XXXX, at least XXXX and she never once answered her phone. Ever. I left XXXX XXXX messages begging for a call back and for help. She never even returned the call. When I attempted to call her voicemail most recently, a very chipper voice informed me that she ( XXXX ) was on vacation for the next week. 

Since I started my application, my quoted price has increased because my appraisal came in lower than expected and I needed Mortgage Insurance ( conveniently provided by Bank of America ). I agreed. Today, I was informed that my loan to debt ratio was off by 1.27 percent, and that we might need to restructure, but again, I would need to speak XXXX XXXX to work this out. 

The worst part is that Bank of America also decided to sell my mortgage in the middle of the refinance process. Again, no answer when I called begging for information and support. 

This is outrageous. You do n't treat your customers like this ; in any industry. I just want help. That 's all. 

Please help me.
Product: Credit card or prepaid card

I checked my credit card statement with Upgrade Loan/Credit Card company and I had a charge of XXXX dollars on my account from XX/XX/2021. This charge is from a hookah bar in XXXX XXXX Ohio. I reside in XXXX XXXX California and have never been to Ohio in my life. In XX/XX/2021 I filed a dispute with Upgrade in which they provided a provisional credit and said they would research the claim. Now on XX/XX/2021 I received an e-mail stating that my transaction dispute was declined and Im expected to pay the XXXX dollars. The customer service received was terrible and they were rude and in NO way are trying to resolve my transaction. I have experienced financial hardship due to COVID 19 and this company doesnt acknowledge that I cant just pay {$820.00} dollars.