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

I am filing a complaint against Equifax for their inability to protect my personal information. They have been hacked and it is likely that my information has been leaked. On XXXX XXXX, 2017 at XXXX EST I called and had a 90 day fraud alert set for my account. I also requested a credit report from Equifax. Equifax successfully put the fraud alert on my account and the report is clean, but I will continue to follow up with the other companies in a month 's time. If they are going to keep my records on file, Equifax needs to be able to safely protect them against hackers and other third parties.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I suspect these accounts and inquiries were made without my consent or knowledge. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$XXXX} Inquiries to Be Removed : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card account.
Product: Checking or savings account

had a no penalty cd which we closed and opened a new no penalty cd. They had a update in there software which caused a glitch and showed i opened new cd but still and placed the balance in the new cd but it also showed the closed cd with the same balance leading to a debit of XXXX. which was completly on there side since i verified the cd was closed and new one was open. they put a hold on my account. which was due to there glitch from Ally bank the exact same thing happend to my wifes accounts and they also placed a hold on her accound when there is there mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail requesting Equifax to look into accounts that where reporting inaccurately on my credit report with them. 

On XX/XX/XXXX I received a response letter. However XXXX  did not correct these accounts. In fact after further looking at my credit report Equifax did not even update my file meaning they did not even conduct an investigation that I originally requested on my accounts. 

On XX/XX/XXXX I sent another letter via Certified mail requesting proof of the their investigation into my credit profile. I highlighted all the accounts in question and sent it back to them. 

On XX/XX/XXXX I received a letter in the mail that they WOULD NOT INVESTIGATE any further into my accounts. This is a violation of my rights according to the FCRA. Equifax can not report information that is incorrect on my profile. Equifax wont even look into this matter giving me proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to AMERICAN EXPRESS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

On or around XX/XX/2021 I made a purchase with XXXX XXXX my phone was malfunctioning and the charge was made multiple times I called the bank to verify the charge and was asked security measures Wich where satisfied I was told I would be able to access my account and I keep going through the same series of verification and security measures and I still don't have access to account
Product: Checking or savings account

I had an unexpected charge drafted out of mt checking account. I immediately contacted both the vendor ( for a refund ) and the bank to explain. I was informed by the vendor that a refund would be issued, but will take several days. This overdrew my account. Upon talking to the branch manager and explaining that my family was experiencing extreme financial difficulty due to the covid pandemic. He refused to refund or stop the fees from being deducted. For an approximately XXXX $ overdraft I was charged {$140.00} overdraft fee and counting as of this complaint : ( I, ll never get it positive as I can not drive atm to the location physically to close the account or make payment arrangements.
Product: Checking or savings account

I recently made a cash atm deposit at the Huntington Bank, in XXXX Ohio on XX/XX/year> @ approximately XXXX. I deposited {$200.00} dollars ( XXXX ) in the atm. The atm took the first XXXX dollar bill and gave back the second. I have had this issue happen before and inserted the second bill again. It took the money and then it never deposited it! I went on my banking app and it shows a XXXX atm Deposit and also a XXXX reversal. I called the XXXX XXXX my and the best thing they could do is dispute the reversal, the agent refused to look at camera footage where she can verify the machine taking my money! I am extremely concerned with how this business is being operated as the atm is still being used and not serviced or letting customers know it has an issue! She also stated someone else called in about the same Thing! I shouldnt have to wait a week for a dispute to be investigated, when it could have been resolved by the bank pulling footage instantly. This is poor business practice for a bank to steal money and not investigate with the cameras they have there for their business.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, 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. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Checking or savings account

On XX/XX/year>, XXXX, and XXXX, I received payments through PayPal for the sale of a digital artwork. However, PayPal later withdrew the money from my account, stating that the person who made the payment had requested a refund. 

In this context, I contacted the buyer through PayPal 's messaging system, and she responded, informing me that she had not initiated any dispute and that everything was in order with the transaction. 

I then notified PayPal 's customer service about my communication with the buyer, attaching proof of her response. However, PayPal informed me that they could not do anything about it and, unfortunately, withheld the funds from my account, leaving me without money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app has 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 require under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for this violations.
Product: Debt collection

My name is XXXX XXXX XXXX, Today I pulled my credit while applying for a new home loan, and found that XXXX was reporting me with an account in collections. I live and have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past 15 years. I was told that this account was set up at an address of XXXX XXXX XXXX XXXX XXXX. This account was set up under the phone number XXXX. That is not my address nor my phone number, I called the collections company and dealt with XXXX different people that all told me that I should just pay it. On the 6th attempt I talked to a lady who said she would get it added to the fraud list, but I am not confident that happened. I then called XXXX, the first person I talked to said to pay it and then he could transfer the service to my new address of the home I am trying to purchase. I called back a second time and talked to XXXX in financial services who said there was nothing he could do to help me, but told me that I could just pay it and get new services started at my new address. I have never had a property in XXXX nor am I going to pay a bill for services that I never had. The third time I called back I talked to a lady that said she would be able to put the account in fraud status but was n't confident that it would go through because I did n't know some account code number that I would 've received when starting the account, which of course I did n't so I would n't have the number. I feel like I am getting the runaround from XXXX and stellar recoveries and no one will help me, and now my credit is affected and I am not able to close on my house per the original agreement. My closing is now in limbo till this problem gets resolved. Fraudulant account address : XXXX XXXX Acct/Phone number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6.
Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Debt collection

My credit/XXXX  with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company.

1- My credit score suffers bc they have derogatory info about late payments to XXXX  card from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING.

2- XXXX XXXX also late payments because I had a dispute with XXXX XXXX I paid thru AFFIRM at the time but was directed to that page and did not know what AFFIRM was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX. I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to AFFirm. Affirm i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel Affirm sent me to collections with XXXX XXXX. 
3-I finally paid XXXX XXXX because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a purchase on a reputable website and used PayPal as the payment service. I was given the option by PayPal to split the total amount between 4 payments with the first starting immediately. This worked great for me as it was a larger purchase and as I had the funds to pay it immediately it gave me the flexibility to pay over time. So I checked the box. It stated that the first payment was due immediately and the remaining 3 would be due on the XXXX of the following months. Once I clicked it stated it was approving my application. It processes for a while and finally stated a denial with a reason to be emailed to me. Then I was forwarded to a new page with a pay in 6 or pay in 9 option. I did not want to stretch out 9 months so I clicked pay in 6 and accepted it. It then stated the first payment was due XX/XX/2023. It then gave me a loan overview with an interest rate. I was not happy about this, but I did not have time to call PayPal that moment. 
On Sunday I saw the pay in 4 denial was in my email. So I looked and it stated that I was denied the loan due to insufficient funds in my bank account. I checked my bank and found PayPal had charged 5 payments in the amount of the pay in 4 which was more than the total amount of the original purchase. 

My complaint is that this product was never initially marketed as a loan. PayPal depleted my bank account to the point that the loan would be rejected due to insufficient funds in my bank account. All of this to get me into a loan with interest so they would profit additional money from me as the consumer in addition to the fees charged to the merchant. 

I believe this is unfair and deceptive practice. I am luck to be in a position that I had alternate funds available while I am working to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've emailed and called LexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and numerous other times. I have provided them with all my ID and other personal information numerous times through email and mail and nothing has changed. This is the company below. LexisNexis Risk Solutions Consumer  Center XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

Dear Sir or Madam : I am writing you because Chex Systems provided information that allowed adverse action against me based on the information they provided. 

Chex Systems never provided details as to the allegations against me. 

Consequently, per section 609 [ 1681g ] ( b ) Free disclosure after adverse notice to consumer of the Fair Credit Reporting Act I am entitled to a free credit report. 

The federal Fair Credit Reporting Act ( FCRA ) specifies section 611 ; subsection 1 ( A ) that a 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller is reasonable time to reinvestigate and remove the inaccurate information.

Moreover, Section 611, subsection 5 ( A ) states that any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer This verification was not done. Consequently, the adverse information from ChexSystems must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

the consumer agenies are violating my rights.

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for anything in XXXX and XXXX! Must be FRAUD!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Transunion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX XXXX and maiden is XXXX XXXX XXXX Please delete ALL fraudulent names from my report My current address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Thank you for your time and help in this matter.