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

I requested a line of credit from XXXX XXXX to maintain my score or it will increase. A self-payment through the company 's application was scheduled for the XXXX, which was the payment deadline. I had not seen that the company takes XXXX to XXXX business days to complete the payment, as soon as I noticed I updated the self-payment date for the XXXX of each month, in the same way I made a payment for {$90.00} on XX/XX/2023 for the application. Similarly, on XX/XX/2023, another {$90.00} of self-payment was collected. Despite not entering into late payments, the company reported information to Equifax that left me XXXX points. Filed a dispute with Equifax which resolved that XXXX XXXX should send updated information. At the moment my score with Equifax has only gone up XXXX points. Likewise, on XX/XX/XXXX, another payment for {$60.00} was made, which was reflected immediately.
Product: Checking or savings account

To Whom It May Concern, I had been a long time customer of Chase Bank since XXXX. In XXXX of XXXX, I received a letter stating chase was closing all my accounts including two credit cards with a limit of XXXX each on XX/XX/XXXX. I was a chase private client and have a mortgage with them. To date, XX/XX/XXXX, I received another letter stating Chase is closing my business account due to the closure of my personal accounts which closed in XXXX. I reached out to Chase and their response was, It was a business decision and we do not disclose or need to disclose why we closed the accounts. 

My credit score is above XXXX and pay my credit cards on time. 

As frustrating as it is, I want to know why Chase decided to close my accounts after 10+ years.
Product: Debt collection

Sequoia Financial Services contact my elderly mother who suffers from XXXX XXXX  and claimed I owed {$370.00} dollars for some unspecified debt. My poor mother called me in a panic asking if I need help. I monitor my credit report diligently ; I have no accounts in collection and have never received any written communication from them. The account rep I spoke to wanted to debate with me and I was not interested. Disgusting tactics.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

The following accounts I want to be disputed and blocked and removed and I ask the credit bureau to dispute it but they refused and violate the fair reporting act and refuse to block and removed these accounts and send me a rejection letter and refuse to honor my request the following accounts I want to be disputed are XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as fraudulent accounts open by a thief please remove these accounts and notify the creditors
Product: Checking or savings account

On XX/XX/XXXX I went into a local bank of America financial institution and withdrew money from my checking account which was given in the form of 3 checks. I have a customer withdrawal images from that transaction with a total charge of {$110000.00} and a list of the three check numbers whose combined total was to equal the total charge. I realized I was missing money from m to account and reviewed my documents and matched check amounts to the 3 check numbers which totaled {$81000.00} not the {$110000.00} my account was charged. Financial institutions confirm the records show the bank error but claim they can not file dispute s and instructed me to call customer service. Customer service has had me file claims in every dept from fraud to risk Management all of which at the end of 60 days are denied with reason being filed with wrong dept. Today bank of America customer told me to go in to a financial institution to file a dispute because it was bank teller error. I drive two hours to the nearest location where I was told they do not file disputes. It is now XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the 30-day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i contact LEXINGTON LAW, looking for some help for try to improve my credit score. they told me that they can help me in this matter. they told me also that they can improve my credit score by XXXX to XXXX point in 60 days. the cost was {$130.00} and i need a credit card or debit for auto payment.. so, i enroll in the program. but after 5 month my credit score go down instead of improve. i look in my accont to see what are thy doing but almost i saw only, '' analizing, or waiting for respose, i paid arround XXXX dollars to see my credit going down. i try to cancel on XX/XX/2023 but they told me that i need to pay XXXX more to cancel. i just call my credit card bank to freeze my card to avoid more charges.
Product: Debt collection

Paypal, for sometime now, does not have the correct protocols and safeguards in place to protect those that subscribe to their service. There have been numerous times where individuals from overseas and elsewhere have gotten access to my accounts ( accounts are under : XXXX and XXXX ) and made purchases, charges, debt requests and the like. Paypal has yet to address these ongoing issues and it is unsafe to use. Please address asap. 

Charges from XXXX for an individual in North Carolina who used my name, charged {$37.00} to my card on file. Paypal did not want refund said monies, but they individually they did after I, somewhat, fought with them A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$1000.00} ( see attached ) A XXXX XXXX, of whom I don't know, requested {$500.00} ( see attached ) XXXX XXXX charged {$150.00}, an unauthorized charge, Paypal refunded surprisingly A XXXX XXXX, of whom I don't know, requested {$540.00} ( see attached )
Product: Credit reporting or other personal consumer reports

There are accounts reporting on my consumer credit report with different amounts and different open dates from the other agencies that are reporting those same accounts. XXXX isn't reporting any of the accounts that the other 3rd parties are reporting and those are violations and must be removed immediately according to congress and federal law 15 USC 1681. Not only are they violations according to congress but I've been violated and I've also been denied for things that I've apply for, I've been humiliated and denied my rights to privacy when congress put it in writing and a consumer also has the right opt out of 3rd party affiliates as yourself, I feel my life is in danger because of your agency reporting my nonpublic information to the public without my permission or my written consent. 
15 USC 6802 and 16 CFR 313 explains the privacy of a consumer financial information and explains that a financial institution may not directly or through any affiliate disclose to a nonaffiliated 3rd party ( XXXX, XXXX, Transunion, and XXXX XXXX ) any nonpublic personal Information and if so, that is also a violation, and the consumer can be compensated {$1000.00} or more each month the consumer 's nonpublic information was reported. I will provide a copy of my consumer report, my opt out letter, the Privacy act of 1974 EXPLAING CONSUMERS RIGHTS TO PRIVACY, OPT OUT RIGHTS AND THE PUBLICATION 4681 CERIFICATE OF INDEBTNESS which explains what a charge offs is and the reason it is not supposed to be on a consumer 's report, a list of the items that I would like removed immediately, also all addresses except XXXX XXXX XXXX XXXX  la XXXX because the other addresses are not mailable addresses.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had XXXX late that was paid on time. The Consumer Reporting Agency has an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XX/XX/2024. I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
Product: Credit reporting or other personal consumer reports

My personal information may have been compromised due to the Experian data breach, potentially falling into the wrong hands. As a result, I have identified three unrecognized collection accounts on my credit report that must be deleted immediately. The accounts in question are as follows : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, OPENED XXXX, XXXX XXXX. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been a customer of PayPal since XX/XX/XXXX. Never had an issue. 

10 years on, they demanded more documentation to verify my identity, claiming authority under the Bank Secrecy Act. I proved to them that they were only required to " know their customer ''. They restored my account. 

In early XX/XX/XXXX I started to have issues with transactions. I discovered that PayPal is 1 ) dictating to sellers what items they can sell and 2 ) blocking my funds from being used if any item in a cart is not in stock. 

The seller was unable or unwilling to challenge PayPal after I authorized them to take ~ {$70.00} from my account and send me my items ( vitamins ). 

I waited weeks for this be resolved, but eventually was forced to call PP. I was on the phone negotiating for two hours, after a 35 minute wait. 

The issue is the same as in XX/XX/XXXX. They have locked my funds from going out, but they don't care if funds go in. They demand documentation that I can not provide. This time they are citing the Patriot Act.

I researched the Act and discovered that these verifications apply only to " new accounts ''. 

PayPal has stolen my funds. They will not allow me to buy or transfer. They refuse to close the account. 

On-line ROBBERY! 

Additionally, I documented where the balance stated was over what I knew to be actually available, which might have resulted in an overdraft, had I not been very observant. 

Additionally, the seller told me that PP will not show the cart discounts until after the transaction is authorized. This could potentially cause an overdraft, requiring a backup method to fill the gap, when there really isn't one. Either way, PP benefits as they have a guaranteed positive balance. 

I would appreciate an opportunity to discuss these details with an investigator. PP needs to be brought into court to get these thieving practices stopped soon. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding fraudulent accounts and transactions that have appeared on my credit report. I have been a victim of identity theft, and despite my efforts to secure my personal information and protect my credit, these unauthorized accounts and transactions continue to harm my financial standing. 
To mitigate further damage, I have placed the following fraud alert on my credit reports : " ID XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. '' Despite this alert and multiple disputes, it appears that fraudulent applications and accounts have been opened in my name, which is deeply concerning and frustrating. These unauthorized entries are negatively impacting my credit score and affecting my ability to access financial opportunities. I have taken appropriate steps by filing a report with the Federal Trade Commission ( FTC ) and notifying the relevant financial institutions, yet these fraudulent accounts remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

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

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.
Product: Vehicle loan or lease

This account is charged off. If this account was indeed a charged off why didn't I receive 1099 C form from the creditor. They got a tax credit off and I should not have this debt on my credit profile. Please send me any forms and documentation that you have the right to report this a debt if you can not do that please remove this debt from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Product: Debt collection

I have received several calls about this 10+ old debt. I have instructed them to not call me. They continue to do so. They also spoke with my relative about this debt. This relative does not live in my home and I am unsure how they even got the number. But they were very detailed in giving them the information to pass on to me.
Product: Mortgage

Dear Sir/Madam I am at my wits end and I 'm in desperate need of your help. 
I have tried very hard for more than 3 years to get loan modification from Select Portfolio Servicing , Inc . I have been denied all of these times because of : my income was low or I do not have enough assets to support repayment plan. I have even offered them a substantial amount of money for down payment to help a modification along. I have been to court conferences in NY and worked with HUD-approved foreclosure prevention counselor for more than 3 years. I have submitted completed XXXX applications along with supporting documents at least 8 times so far. Many times the assigned relationship manager, which kept changing, would not call for months. 

I lost all my business due to hurricane XXXX in XXXX and XXXX XXXX, NY was declared a disaster zone by the Federal Government. Property values dropped drastically. There was loss of rental income. My mother and father passed away. At the advice of my housing counselor, I rented some rooms to boarders and had my son move in with me and contribute to show the bank more income. They denied the application this time for too much income.
Product: Debt collection

When I moved out of my apartment. They said I owed them {$400.00}. I paid them the {$400.00}. I called the office, spoke to the office manager at the time and verified that everything was settled. Well I guess new management came in or something because they hit me with a bill of {$900.00} in XXXX of 2020. This is after my apartment inspection was done and completed. So this collection needs to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company as well its other gang XXXX gang memebers aka Experian, XXXX, XXXX, XXXX XXXX, XXXX XXXX etc. all have taken the liberty to make hand over fist on my persoanl private consumer information. they continusly violate my consumer rights and the FCRA guidelines on how to properly obtain and give out my persoanl information.
Product: Debt collection

ACI, XXXX XXXX XXXX, has called my cell phone repeatedly claiming to be attorneys, stating I owe paypal some exorbitant amount of money. I have a XXXX account that I use to pay ONE bill, and the balance is XXXX.
Product: Debt collection

I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in 60 days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff two weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is Real Time Resolutions on behalf of XXXX XXXX XXXX XXXX XXXX. I just want to be done with XXXX XXXX XXXXXXXX, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.
Product: Student loan

I was placed on student loan forebearance XXXX XXXX XXXX  due to being on unpaid maternity leave. I was never advised to recertify my income to show my loss of income, therefore I lost those payments eligibility for XXXX XXXX XXXX XXXX. 

In adddition, from XXXX XXXX XXXXXXXX I was also placed on forbearance, due to awaiting on the XXXX to amend my taxes from married filing jointly to single so that I could afford an income based payment plan. I was never advised to turn in a paystub instead of wasting XXXX  months of eligible payments. 

In XX/XX/2017, I was placed in forebearance unknowingly while they recertified my income driven plan, again taking away an eligible payment.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

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

This is 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 following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$710.00} XXXX XXXX {$8100.00}
Product: Money transfer, virtual currency, or money service

This is a follow up to Complaint : XXXX. In that complaint Venmo asserts that the reason I can not add my bank account is due to not being in a place that Venmo is familiar with and thus it is being blocked. That is patently false. I am in my apartment, my primary and only residence, when trying to add my XXXX XXXX Account. I have tried adding my account on my laptop, my XXXX, and my tablet, all of which have resulted in " errors. '' These errors give no information other than " an error has occurred, please try again. '' This is a system error on Venmo 's end and has been an error for well over a year at this point. Their previous " solution '' and " response '' is a fabrication with no basis in reality and continues to show why they are the subject of several federal investigations and lawsuits by Attorney Generals throughout the United States. It's even more egregious as their is no area within Venmo to check to ensure the address they believe you're located in is the correct one. 

As it stands every time I try and set up my bank account for deposit/withdrawal it says that it succeeded only to come back and error out with a " form submission error. '' I receive an email from XXXX XXXX stating that my information is now being shared with XXXX/Venmo but nothing happens. This is a problem on Venmo 's end and needs to be corrected. It does not matte if I try and add my bank account manually or through XXXX