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

I HAVE ATTEMPTED ON SEVERAL OCCASIONS, TO REMOVE THE FOLLOWING ACCOUNT, WHICH IS CURRENTLY REPORTING NEGATIVELY ON MY CREDIT REPORT : XXXX ( XXXX ). THIS ACCOUNT DOES NOT BELONG TO ME, I CAN NOT EXPRESS THE AMOUNT OF CONCERN I HAVE AS TO WHY EQUIFAX HAS NOT BEEN ABLE TO REMOVE THE ACCOUNT OFF OF MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO CORRECT THE ERROR WHICH HAS CAUSED THE HEALTH OF MY CREDIT SCORES TO OVERALL DETERIORATE. PLEASE ASSIST ME WITH THIS MATTER, AND REMOVE THE ACCOUNT COMPLETE. I'D GREATLY APPRECIATE IT.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a vehicle loan on my credit report. The account is currently reported as Paid in Full, but it also reflects a prior status of Charged Off. This dual status is misleading and negatively impacts my creditworthiness.

The account was fully resolved and paid in full, and the Charged Off status should no longer apply. I request that this outdated and inaccurate status be removed to ensure accurate reporting in compliance with the Fair Credit Reporting Act ( FCRA ).

Attached, I have included supporting documentation, such as : 1. Payment receipts or confirmation of the account being paid in full.

2. Copies of my credit report showing the inaccurate reporting.

I request that this matter be investigated and corrected as soon as possible. Please confirm receipt of this dispute and provide updates on the resolution process.

Thank you.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to lodge a formal complaint against PayPal regarding the limitation of my account without a clear explanation, which has caused significant financial hardship. 

My PayPal account has been restricted, and despite providing all necessary tracking numbers for my orders, I have been informed that my funds will be held for XXXX days. I assure you that I have not engaged in any fraudulent activities. The limitation on my account has left me unable to access my funds, which I urgently need to cover XXXX XXXX XXXX XXXX XXXX 

I have attempted to resolve this issue directly with PayPal but have not received a satisfactory resolution. The prolonged hold on my funds is causing severe financial strain, and I am unable to wait XXXX months for access to my money. 

I am requesting the CFPBs assistance in addressing this issue with PayPal to expedite the release of my funds and restore my account. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have been trying for several weeks to settle or pay off the amount that I owe. Every time that I call, I am told that I need to call back at a later time because the department that handles my case is not available. For whatever reason, they never seem to be available, and there is no additional number to call for assistance, or an email address. 

Today alone I called 5 times. The first time I was hung up on, the 2nd time I was told that the department couldn't be contacted and maybe in a meeting, 3rd I was told the call back 20 minutes later, the 4th time I was told to try calling back again, and the final time I was told that the team would not be avaiable until tomorrow. 

This has happened to me on countless occasions. I am trying to pay off this debt so that I can be frr of it an XXXX feel like I am being penalized or just being manipulated at this point. I have even reached out via email, via customer portal, and customer chat, with the same responses every time ( the department you need to reach is unavailable ). 

Can someone please help me with this.
Product: Payday loan, title loan, or personal loan

We started our Title loan in XX/XX/XXXX for around {$2600.00} we told them we would have the {$2600.00} to payoff in XX/XX/XXXX they said ok that would work, while making {$410.00} payments a month which we agreed to. XX/XX/XXXX came and I called in to pay off the amount we borrowed and they advised me I would need to pay {$3400.00}, that was not what was agreed especially since we were making payments too. They said sorry that is what is due so we've still continued to pay the {$410.00} a month and this summer XX/XX/XXXX I called to see payoff amount and it was even more, how is that possible when I have been making payments I have paid {$3700.00} so far on a {$2600.00} title loan and I am told that the payoff amount will continue to go up. I was never told any of this when we signed the paperwork or I would have NEVER gotten this loan.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety, the account in question is reported by XXXX XXXX XXXXXXXX XXXX  and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1200.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Profit and loss write-off. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX XXXXXXXX XXXX, as required by the FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$1200.00} is shown as 136 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$1200.00}, which does not align with my records. The presence of this incorrect charge-off and collections status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Cashapp has a check cashing feature. The feature was absent on my instance of the app. 
I contacted support to inquire about why I didn't have the ability to cash checks. They denied me access to the service and refused to give me any explanation as of why. They only said it is not overridable. I suspect they are discriminating against me, so I would like an explanation as to why other users are able to cash checks on cashapp but I am forbidden. 

Also, their fees are obscene and I suspect they are cheating me on my daily buys by using bogus price quotes.
Product: Credit card or prepaid card

Hello! 

I spoke with XXXX at Capital One for over 30 minutes to try to resolve this issue. On XX/XX/XXXX, I opened a bank account and used my Quicksilver card to make a {$1000.00} deposit. I was surprised to realize that this was considered a cash advance. I immediately called Capital One and was informed that I would not have any further charges ( I had already been charged {$7.00} on XX/XX/XXXX ). I immediately made two payments ( one for {$990.00} and another for {$100.00}. This should have negated the cash advance. I also made purchases and paid those off. I was wrongfully charged another {$5.00} in cash advance interest. Spoke to XXXX to try and resolve this issue and while he was nice in explaining what happened I still do not feel I should have been charged and he would not waive the charge.
Product: Debt collection

Transworld is posting on my credit report and effort to collect on a debt that was a part of a discharge bankruptcy that has since been aged off of my credit report. This bankruptcy has passed the reporting time and is no longer legally able to report on my credit report, but continues to attempt to collect on a debt that is a part of that previous bankruptcy..
Product: Checking or savings account

i am always geting multiple charges for same items or sometimes subscriptions mostly XXXX for XXXX, XXXX, XXXX! Its happened more since XXXX XXXX. 
ive been XXXX all access customer for seversl years approx since XXXX which is through Wells Fargo! the overdraft charges of XXXX dollars is also rediculious most troubling when its chatged for purchases under XXXX $ in which in policy is states no overfraft charge nor pentaty for signed charges under XXXX $!!!
Product: Debt collection

On XX/XX/2020 at XXXX XXXX I sent a debt validation letter via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX  ) at the XXXX XXXX, CA Post Office. Based on the USPS.com tracking, the letter was never delivered with the note, " Delivery Attempted - No Access to Delivery Location ''. The return receipt was imaged and sent to my email, but I never received the actual physical receipt. Documentation attached for verification. 

On XX/XX/2020 early evening, I sent a second debt validation via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX ) using the USPS kiosk in XXXX XXXX, CA. Based on the USPS.com tracking, the letter is " Held at Post Office, At Customer Request ''. I completed a complaint form with the USPS.com a representative left me a voicemail stating that per the customer, they are not accepted mail at their location and that a representative comes once or twice a week. As of today, it still shows " Held at Post Office, At Customer Request '' on USPS.com tracking. Documentation attached for verification. 

I am seeking debt validation.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate remarks about me on my credit report. I am not a deceased consumer. Please delete all these deceased remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN and XXXX REFUSE TO DELETE INQUIRIES, XXXX XXXX CAR LOAN, THAT I NEVER SIGNED FOR. THAT IS ON A JOINTED ACCOUNT. IN ADDITION THERE ARE FRAUDULENT ADDRESSES THAT DO NOT BELONG TO ME THAT ARE NOT VERIFIED THAT NEED TO BE DELETE ASAP
Product: Credit card or prepaid card

On XX/XX/, I filed multiple billing disputes with Amex against the same merchant who wasn't able to fulfill my orders and didn't issue me a refund. Amex closed all disputed cases in my favor and issued me a credit. They then suspended all my accounts on XX/XX/. They posted a phone number for me to call regarding this suspension. When I call, I get an automated message that says my accounts are in good standing. The frontline customer service representatives have no information on why my accounts are being suspended. I didnt receive ANY communication from Amex regarding this. Interestingly, on XX/XX/, the suspension was removed, only to be put back on XXXX  even though I didn't attempt to use any of my cards. Its been XXXX days since they suspended my accounts. I have XXXX annual fee bearing cards which cost me an average of {$8.00} per day, that's {$310.00} as of today..
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT AND THE THE CREDIT CARDS OPENED UNDER MY NAME ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARDS. THE CHARGES AND THE CARDS ARE FRAUDULENT. I HAVE NO IDEA WHO STOLE, Y INFORMATION AND OR WHERE THE CHARGES WERE MADE. I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSIONS OFFICE AND MY LOCAL POLICE DEPARTMENT. I DONT KNOW HAT ELSE I NEED TO DO TO PROVE MY INNOCENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks  even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Sears XXXX that was delinquent from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, Sears charged off a balance of {$330.00}. I paid the {$330.00} balance on XX/XX/XXXX. The delinquency and charge off were caused by my medical condition. I sent Sears a letter dated XX/XX/XXXX which asked them to remove delinquency and charge off information from my credit file because they were caused by my medical condition. Sears sent me a letter dated XX/XX/XXXX which didn't indicate that Sears would remove delinquency and charge off information from my credit file. I believe that delinquency and charge off information should be removed from my credit file because on XX/XX/XXXX, the three credit bureaus were no longer reporting medical debts that were paid after being sent to collections. Sears sent my account to collections but the name of the collection agency is unknown. Nonetheless, after collections, I paid in full the balance of my account. So, again, I feel that Sears should remove delinquency and charge off information from my credit file because they were caused by my medical condition.
Product: Bank account or service

I normally have direct deposit. This week I deposited a hard check on FRIDAY XXXX/XXXX/16 at XXXX EST to a Suntrust ATM and it is a government issued payroll check. The check still has not been credited to my account. It is not placed on hold, it is simply NOT THERE! The payments that came out of my account have now put my account in an overdraft status leaving me with NO liquid assets.
Product: Checking or savings account

I did not call to close a account and. Did not talk to any one from. Bank of America to close My savings account. 
I did call to try to figure out why? they closed the account. They bank of america were not open.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Debt collection

These debts are noncollectable, they advised me they are beyond statute of limitations. These accounts with Hospital Collection Services are noncollectable according to them. They have ceased all collection activity but still call. Collection activity includes reporting the bureaus. Since this is no longer collectible or active, this account must be removed. All collection activity mustcease including reporting to the bureaus. If not I am entitled under the law to {$1000.00} perviolation. <P/>XXXX XXXX XXXX XXXX ( 2 accounts ) these are medical collections as well I am reminding you of the HIPPA laws. It is a violation to report which doctor ive seen. The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. The U.S. Department of Health and Human Services ( HHS ) issued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) .1 The Privacy Rule standards address the use and disclosure of  individuals health informationcalled protected healthinformation by organizations subject to the Privacy Rule called covered entities, as wellas standards for individuals ' privacy rights to understand and control how their health information is used. Within HHS, the Office for Civil Rights ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties. A major goal of the Privacy Rule is to assure that individuals health information is properly protected while allowing the flow of health information needed to provide and promote high quality health care and to protect the public 's health and well being. The Rule strikes a balance that permits important uses of information, while protecting the privacy of people who seek care and healing. Given that the health care marketplace is diverse, the Rule is designed to be flexible and comprehensive to cover the variety of uses and disclosures that need to be addressed. This is a summary of key elements of the Privacy Rule and not a complete or comprehensive guide to compliance.
Entities regulated by the Rule are obligated to comply with all of its applicable requirements and should not rely on this summary as a source of legal information or advice. To make it easier for entities to review the complete requirements of the Rule, provisions of the Rule referenced in this summary are cited in the end notes. Visit our Privacy Rule section to view the entire Rule, and for other additional helpful information about how the Rule applies. In the event of a conflict between this summary and the Rule, the Rule governs.
Product: Credit reporting or other personal consumer reports

It has come to my attention that Indigo Mastercard has falsely reported that I am 120+ days late on payments, even though my account has been closed following a ruling in my favor regarding an identity theft incident.

I want to emphasize that I have already been recognized as a victim of identity theft, and the ruling in my favor clearly states that I am not responsible for any fraudulent transactions made on the Indigo Mastercard account. The account has been closed to prevent any further unauthorized activity. Therefore, it is extremely distressing to see this inaccurate information on my credit report, as it could have negative implications for my financial standing.

To assist in resolving this matter promptly, I have attached copies of the official ruling in my favor, which clearly states that I am not liable for any fraudulent charges incurred. Additionally, I have included documentation confirming the closure of the Indigo Mastercard account as a preventative measure against further unauthorized use.

I kindly request that you initiate an investigation into this matter and take the necessary steps to correct this false information on my credit report. It is of utmost importance to rectify this issue as soon as possible to ensure the accuracy of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!