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

In accordance with the Fair Credit Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX  XXXX auto # XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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 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 has been notified by the consumer at the address specific by the person for such notice that specific information is inaccurate.
Product: Debt collection

On XX/XX/year> I sent notice certified mail number XXXX requesting documentation showing the contract i signed with the debt collector evidencing indebtedness to that party. No response was provided to the address from which the notice was sent and now 2 months later the account is rereported on my credit report.
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 cause significant inconvenience and financial loss ; and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage company American Neighborhood Mortgage company failed to pay the premium for my homeowner 's insurance and as a result, the policy has lapsed. 
I had set up direct deposit to pay my taxes and insurance along with my mortgage payments thinking I should not miss any payments inadvertently. 

American Neighborhood Mortgage 1 XXXX XXXX XXXX XXXX IL XXXX Loan Number : XXXX The insurance company sent me an offer to reinstate by postal mail dated XX/XX/XXXX which I took it up with the mortgage company through their customer service dept. they assured me that it will be taken care but they did not until I noticed on XX/XX/XXXX. 

On speaking to them they acknowledge they received two bills on XX/XX/XXXX for the amount of {$1200.00} and another bill for {$560.00} which was for my other property. They also acknowledge that they received another bill of {$560.00} on XX/XX/XXXX for my other property and Evidence of Insurance on XX/XX/XXXX. A notice of Cancellation was finally served to them, yet no one contacted me or the insurance company to reinstate the policy. 

My insurance lapsed and was canceled as a result and I was unprotected for almost 4 months. I am now forced to buy a new policy at a higher rate as now I am being treated as a defaulter for non-payment of the premium which attracts higher rates.

They are not refusing to take the differential cost of the premium ... and it is not fair to me as should they have paid it on time I wouldn't have had to pay the higher rate. 

Request you to please investigate it and help me get the adjusted amount back for at least this year.
Product: Money transfer, virtual currency, or money service

Repeatedly locked out of access to Paypal account. Despite providing correct credentials Paypal has been requiring calls to customer service to unlock access to my account. Upon gaining access to the account I update personal/contact information and am again locked out of the account. This has happened at least 3 times in the process of updating phone number, mailing address, and email address. This last time I was locked out and customer service claims they can no longer unlock the account for no reason except for " the way their system works. '' Further they inquire why I want to access my account. 

Within multiple phone calls and talking to at least 4 representatives, including a supervisor, I have been required to authenticate through multiple devices, repeated autheticate through multiple security questions, change my password twice, and have stopped short of sending facial scans to the company. The representatives say there is nothing more they can do for me as they are at the mercy of their " system '' and that my account lockout is temporary despite not being able to provide a timeline for resolution. 

It is my belief that this is not a security measure but is a deceitful and dishonest business strategy. Unfortunately this practice has been going on for years by the company and continues.
Product: Credit reporting or other personal consumer reports

I keep being refused by banks when trying to open a checking or savings account because of false information showing up when my identity was leaked & because of account were opened & show balances or unacceptable behavior.
Product: Checking or savings account

I was a victim of a phishing scam as a XXXX at XXXX XXXX. Received a message at the email address given to me by XXXX XXXX of a job offer from a supposed Professor of XXXX XXXX XXXX XXXX as a XXXX. The job said all I had to do was XXXX XXXX, XXXX XXXX and make some purchases that he would pay for by sending me echecks through email that I would print out and deposit in my account since he couldnt do it himself for being out of XXXX until school began. On XX/XX/18 I began by purchading a printer, business check paper to print checks of up to XXXX $ each. He sent three checks on that day and I purchased 7 XXXX gift cards he said XXXX XXXX XXXX   used to purchase an app with programs that mentally disabled students enjoyed and one of the checks was supposedly to cover my pay of XXXX $ a week and the cost of the other purchases. Only one check cleared that day and I got skeptical so when he asked me to buy more cards, I hesitated and told him I would wait till checks cleared if at all. It took two days for the other two to clear and that only made me believe the job was legitimate. The next day I was skeptical still and called Chase bank to ok some high amount purchases for the gift cards. They had emailed me to check if I made the transactions and I asked if the checks I deposited were real or if they were fake and could bounce but the funds cleared and I thought the checks were legit. U called school to check is the professor and job were real on Friday XX/XX/18 but it is closed on Fridays for summer so I continued depositing checks for more cards for a total of 9 checks until the next day Saturday when I quit the job. Four days later on Wed XX/XX/XXXX all the checks had bounced as fictitious and my account went from XXXX $ to XXXX $ cause Chase appropriated my money to cover the check amounts and charged me with the remaining amount as overdrafts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report. The credit report showed 2- credit inquiry by your company XXXX XXXX XX/XX/XXXX that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it.
Product: Checking or savings account

I opened a check account at Key Bank online on XX/XX/2024, and a few days later I deposited my paycheck in the amount of {$500.00}. There was a hold because it was a new account. Okay, fine. I tried to enroll in online banking but had trouble. I reached out to a representative to inquire about the privilege. I was told that there was a fraudulent account in my name. The only help that was given was to go to the bank. I tried calling several times and got no reply. I received a letter saying that my account was on hold and my paycheck was a closed account, which was fixed the day I received it.
Product: Debt collection

HI ; this is HIPPA violation? XXXX tests, etc??? Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft ALLYFINANC Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. As a consequence, there are fraudulent accounts and inquiries on my credit report that were not authorized by me. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and XXXX XXXX XXXX ( a ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts to be Deleted : XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$1700.00} XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} Fraudulent Inquiry to be Removed : XXXX XXXX XX/XX/XXXX
Product: Debt collection

Violations of : TILA ; FDCPA ; RESPA ; FTC ; Illegal Deed in Trust Filed over 13 months ; Failed To Accept Right To Cancel dated XX/XX/XXXX ; Decptive Practices ; Foreclosing on Time-Barred Debt ; Filed Certificate and Affidavit of Satisfaction Deed / Note XX/XX/XXXX ; Failed to Validate per attached QWR / Error Resolution Notice Under 12 C.F.R. 1024.35.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call from XXXX XXXX and they submitted a loan amount of {$30000.00} to XXXX XXXX XXXX XXXX. The name of the representative was XXXX XXXX. He told me the company was a tax debt relief company that worked very close to with the IRS, wiped out the tax debt, stop liens from IRS. He sounded very convincing. He even called the IRS so that we could speak with someone but could never get them on the phone. I was told I could call back and cancel at any time by XX/XX/XXXX. I have been calling the company since XX/XX/XXXX, to now and still can't get in touch with the representative or anyone. I haven't heard anything from XXXX XXXX and XXXX XXXX XXXX XXXX. I was still in the mist of collection activity with this company, and they still reported me to the credit reporting agency. That is a violation of Federal Law. They never resolved my dispute. This needs to be deleted from my credit report immediately.
Product: Credit card or prepaid card

I created a PayPal account on XX/XX/2020 to sign up for PayPal Credit and purchase a desk from XXXX. The next morning, on XX/XX/2020, I received mail that an issue with my PayPal Credit account had been detected and that my account was permanently banned. Upon calling PayPal, I was told that my account was permanently banned due to some " risk, '' that the exact risk was proprietary information that could not be shared with me, and that there was no appeal process. 

Since then, I have filed a complaint with the XXXX  as well as attempted to work with PayPal 's Office of Executive Escalations to understand why my account was limited, sending several emails in XXXX, XXXX, and XXXX. I received a response on XX/XX/XXXX via email, as well as a phone call from PayPal Executive Escalations stating they would allow an appeal and asking for additional information, including my ID and a statement from Synchrony Bank ( the issuer of the PayPal Credit account associated with my PayPal account ) that any issues with the account are resolved. I did contact Synchrony on XX/XX/XXXX, and confirmed they did not deny my application for PayPal Credit and that my account was open and good standing despite PayPal preventing me from using it and saying the application was denied. 

On XX/XX/XXXX, the XXXX  administratively closed the case, despite it not being resolved. I have not heard back from PayPal, nor has their website allowed me to upload any additional information supporting my case. I believe this is a violation of the Fair Credit Reporting Act and the Equal Credit Opportunity Act, as any denial requires a letter of adverse action be sent with the reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This is a formal complaint against Stern Recovery Services for violating my HIPPA rights. I requested removed from all three credit reporting agencies which includes XXXX. The actions of XXXX XXXX XXXX XXXX violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Stern Recovery Services in their question to damage my credit standing based on motivation and retaliatory tactics for filing a complaint against Stern Recovery Services Inc with the North Carolina Office of Financial Regulation. Please review the following attachments. Stern Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

I have submitted dispute letters in XXXX and XX/XX/year>, and have not received any results. Each time I submit a dispute, they immediately come back as " verified as accurate '' or deem me a credit clinic. I am NOT a credit clinic, and I am the person that is disputing.
Product: Credit card

In XXXX of XXXX  I applied for a credit card with WELLS FARGO BANK. I was denied for that credit card for the following reasons. 
1 ) not enough or no recent credit reported.

2 ) no credit card history reported recently.

3 ) no checking or savings accounts with WELLS FARGO, or accounts not open long enough. they also stated the decision was based in part or whole base on the a credit report. 
If this was a clerical mistake I would be happy to settle this out side of litigation proceedings if not I am to presume this is discrimination under title 15 1691.
Product: Credit reporting or other personal consumer reports

looked at my account and noticed unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : Synchrony Bank Amount of Debt : {$690.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions that are included in the debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Debt or credit management

I keep asking for a receipt and validation on what that refund amount is or stems from and Ive been getting ignored and me and my family need it Like Im purposely not being given information about and issue XXXX, XXXX and mohela knew about during the XXXX XXXX financial crisis and what it did to my loan type and is being ignored and they actually think I dont have right to the information why the continue to report that Im not paying payments under new terms
Product: Debt collection

On XXXX, a collection of {$230.00} appeared on my credit report regarding an account that I don't own, and I have never opened a XXXX account. I contacted collection agency ( CCS ) on XXXX, and learned that the report was filed from XXXX against an account I do not know about, and do not own. 

However, what I also learned was that the account owners name was not even my name, yet somehow XXXX & CCS claimed it was me owning them the debt. 

I filed an report to XXXX as directed by CCS on the same day ( XXXX ), and have kept in touch with them every day since XXXX does not disclose investigation progress anywhere else except for phone calls. Every call, XXXX either came back with asking for more information that has been provided to them, or downright saying they are still investigation without providing any more detail. I also asked to speak to the supervisor, hoping to explain the situation clearer, but the customer service never allowed me so, and always refuses to connect me to anyone else while not providing any useful information. 

The collection still appears on my credit report, and the collection agency says they would only remove it from XXXX requests while XXXX representatives are not helping at all. It has drastically impacted my credit score, and is preventing me from even renting an apartment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly object to the findings of your investigation. Despite your efforts, the following incorrect items on my credit report remain unresolved. It is imperative that you conduct a thorough reinvestigation into these matters as they are severely damaging my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Your cooperation and prompt attention are legally required.