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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX MA & Inquired on XX/XX/year>. 
XXXX. XXXX XXXX & Inquired on XX/XX/year>. 
XXXX. XXXX XXXX XXXX & Inquired on XX/XX/year>. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

604 - 15 U.S.C. 1681b ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

XXXX XXXX and XXXX XXXXXXXX stole XXXX XXXX. Dollars from me at XXXX XXXX m and t bank XXXX pa about year ago!! 

I want that money back!! 

Police report needs filed I don't know how navigate court system!!
Product: Money transfer, virtual currency, or money service

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

I just notice on my credit report that is certain items on my personal information that does not belong to my person. My correct name is XXXX XXXX, my right and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy this is violation on the accuracy of this account in my credit report on transunion 15 usc 1691e ( b ) for maximum possible accuracy or 15 usc 1681i ( d ) for notification of deletion of disputed information.

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 15 USC 1681. 

XXXX. account XXXX. last date of activity XX/XX/XXXX past due amount XXXX XXXX 

XXXX XXXX XXXX XXXX LAST DATE OF ACTIVITY XX/XX/XXXX 30 DAY LATE CLOSED ACCOUNT.
Product: Money transfer, virtual currency, or money service

Hello, the situation I am facing is, I have cashed a check back in XXXX. It has been well over a month that I have not received the funds. The check was deposited at an atm chase bank, the bank I had an account with. They put my check in a 7 day hold. During the 7 day hold, chase decided to restrict my account and then close it for no apparent reason or even explained why. They decided to keep the check as well and are saying they need to verify the funds. They obtained a number to call but the number is not verified on the system they use to be able to use the number to clear the check. I have spoke with the company who paid me the check and they confirmed that indeed the number is a company number and that they indeed are the department that can clear the check. Chase refuses to help and understand the situation and is refusing to release the funds to me. Like I said it has been a month and I am going through a financial crisis due to this situation. It has affected my living ability and is mentally affecting me. It is not right for chase to do this, especially for not giving a well explained reason why they are doing this. I call and have hope everyday this can clear and pass by it seems like the only way this will ever proceed is if I involve a higher power. I also went into branches and spoke with managers of the bank and they all just brush me off. I truly hope you guys can help. I hope i can speak to someone to explain what is going on.
Product: Credit card or prepaid card

I was working out of town and neglected to pay the TXJ Rewards card on XX/XX/21 the amount of {$100.00}. 
I closed the card and by XXXX and XXXX paid the overdue amount of {$160.00}, an increase of {$65.00} in late fees. 
I dispute the amount as excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurately reporting a credit card over 7 years old on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. XXXX XXXX still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early XXXX and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Product: Vehicle loan or lease

I am seeking a resolution either through direct action by the authorities such as the XXXX, XXXX, CFPB, and FTC, or through arbitration with the financial institution following multiple calls where I requested an unlimited credit balance and inquired about the " amount owed according to Title 18 U.S. Code 8. My request for an unlimited credit balance was denied, which is a violation of open-ended credit provisions under Title 15, U.S. Code 1602 ( j ). Furthermore, under Title 15, U.S. Code 7006, I assert my authority as the Authorized Representative Agent of the Consumer to ensure that all debts are resolved honorably. I empower the Indenture Trustee of XXXX XXXX XXXX XXXX to settle all debts in accordance with Title 18 U.S. Code 8, affecting all financial transactions concerning this account, whether past, present, or future. Additionally, as stipulated in 15 USC 1692j, the Creditor/Financial Institution has provided monthly statements via mail.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Employer - XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Chrysler capital sold debt to crown asset management llc Ive tried hard to get a debt validation company never sent anything, in the state of XXXX XXXX a debt thats been written off or XXXX XXXX XXXX cant be collected on this account is both and its XXXX XXXX XXXX and should be removed this company has violated my rights in many ways!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is currently reporting to 3 credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
Product: Mortgage

I have a completed full appraisal less than 120 days old that was ordered by another lender that I asked to be transferred to my new loan application. In the initial consult with the new lender I was told the appraisal i had could be used. A week or so later an appraiser contacted me to schedule an appointment. I advised him I was using an appraisal that hadn't expired yet, and he said Quicken told him i couldn't use that appraisal. However, no one from Quicken had advised me of this. After several attempts I finally reached my loan officer on XX/XX/XXXX who told me he wasn't sure why my current appraisal couldn't be transferred from XXXX and connected me with another representative that then said it could be transferred and would contact loanDepot to make the request. 

I have yet to hear back from the rep that said they were requesting the transfer or my loan officer, and the appraiser continues to contact me to schedule an appointment, stating that Quicken told him on the XXXX that I still could not transfer my appraisal. 

With no return calls or email I reached out to Quicken today, XX/XX/2020, via their chat service and had that rep tell me that my appraisal could not be transferred because they only transfer VA or FHA loans. I asked why that is because I am not aware of any Fannie Mae or XXXX XXXX guidelines restricting appraisal transfers for conventional loans whether they're cash out or not, so accepting a transferred appraisal would not make my loan unsellable, which is commonly why lenders issue certain guidelines. The representative provided no reasoning or knowledge of the basis of the company guideline, nor would provide Office of the President contact information for me to investigate at a higher level. 

I am now having to pay the extra expense for a brand new appraisal after I already paid for one that has not yet expired through a different lender. This " guideline '' of Quicken 's makes no sense from a customer service prospective, especially if they theoretically aren't benefitting from the appraisal order itself. Supposedly it's something commissioned completely non-biasedly and not of any cost to the company because the customer pays for it. Why force a customer to pay for something that's already been done validly ahead of time unless they're getting some sort of unknown benefit themselves?
Product: Money transfer, virtual currency, or money service

I am a online seller, and paypal is XXXX payment method I am now using. My shop works well and is growing ok. XXXX months ago ( around the end of XX/XX/2022 ), PayPal did a lot of XXXX reviewing to my merchant, and hold all my money. After all reviewing they set my account a fixed XXXX $ amount on hold and they name it fixed reserve money, also they set a 15 % on-hold of my revenue in XXXX days. This just simply happened, I did not even agreed on it, and the customer service told me its a regular thing that many user will face, also they told me, this money can be released after XXXX days, also the 15 % can be adjusted after XXXX days. So I agreed on it and keep working on my shop, then here the XXXX days passed, I contacted the customer service tell them I need the money to be released, today they told me they refuse to release my money, all my money on hold will remain the same and I can resubmit the request after the next XXXX  days!
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 Committee 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 : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit
Product: Student loan

I was transferred over to EdFinancial some time in XXXX after being with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I made a payment of {$10000.00} dollars to XXXX in the summer of XXXX during the loan freeze. EdFinancial has no history of this payment and instead are just now requesting my payment history from XXXX. They said this process would take 60 business days, when I feel as if they should've gotten my payment history beforehand when my account was transferred to them. 
The entire purpose of getting my payment history is to be able to get a refund as is written into the CARES act and credit that to my balance instead. They quoted me another 150 business days to get the refund processed. It seems as if this timeline is far too long and might even occur after the debt relief is credited to my account. Other loan servicers are quoting 4-6 weeks which seems much more reasonable with some even getting the process done in a week. One key point of this quote is the fact that the refund is set to occur after the the payment/interest freeze is lifted meaning that the loan will be able to accrue interest once refunded. I'm not sure if this is their reasoning behind the long quotes but it definitely seems like a possibility from where I'm standing. 
The company doesn't send e-mails or any other type of confirmation to assure you that they've actually submitted your requests, rather forcing you to contact them to confirm. There have been quite a few cases where upon this contact the loan recipient finds out EdFinancial has no such request on record. All this uncertainty has caused me quite a bit of stress as well as frustration wishing I'd had any other servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to XX/XX/XXXX and Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began services with XXXX in XXXX until current day. I noticed recently they reported a collections account on my credit. I have never received any type of notice or anything. It was done in error being that I am still with them. When I did notice I contacted them on XX/XX/XXXX. It took a while for them to locate an account when in fact i am still showing good status with them. I paid the amount they stated I owed from a previous address upon me transferring from one home to another. Normally my balance is transferred in my bill but for some reason it wasn't for this particular balance and I am sure they must have been sending the correspondence to my old address. I contacted them again on XX/XX/XXXX to ask them to correct this on my report as a deletion because this was done in error on their behalf and not mine. I was unaware. I pay my bill faithfully every month and not once did I get a bill for the XXXX. They created a ticket for this. They also stated they are unsure on how to correct this with the credit bureau which that confused me because they reported it. They had me contact the collections agency on three way and both people said they are unsure on how to delete it as opposed to marking it paid. I am requesting they delete this being that this was their error.
Product: Checking or savings account

I was told by a Truist representative that they mailed my check on XX/XX/2024. It is XX/XX/XXXX and I still havent received a check for the funds of the account they closed without a notice or telling me the reason it was being closed.
Product: Debt collection

Today while I was at work the Human Resources department contacted me about a message that I was supposed to be in court, and provided a phone number and case number. I called it and it was US BANK saying I opened an account and overdrafted {$3000.00} and I also have to pay {$4000.00} in court fees. I am confused because I have been with XXXX XXXX  since XXXX. XXXX is the only bank I am utilizing. I don't know why I am being legally demanded to pay US BANK {$7000.00}? I did not recently open a checking account with US bank and I did not overdraft {$3000.00}. What bank even allows a overdraft in that amount?
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 15 USC 1681.. 

Incorrect Address listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.