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

I have called APPLE CARD XXXX GS BANK USA credit card a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called XXXX XXXX  and told them my situation. I have filed 2 complaints with XXXX and both times I was told this credit card was mine. XXXX told me they have sent my info over to Apple Card -GS bank and that it matches my personal information, but when I called Apple GS they tell me a different story. I want to clear this because I know I did not open this Apple Card and it has really impacted my credit score. I also took extra steps by freezing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan account that was shows closed on my credit report, and this was happened from the company side as the sold the loan to a different company and since the loan shows closed and this impacts my credit score and i have to deal with lower credit score and closed accounts that make my credit report look unappealing. I have my wife and my son also on the loan account which means they also have the closed account showing on their reports as well, all i want is that closed account taken off our credit reports. 

Closed account name : - XXXX XXXX XXXX XXXX All i want is this closed account taken off our reports as this change in loan company wasn't our fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed incorrect information from my credit report and after 30 days ive havent seen any results from this investigation.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. looking over the data listed ive noticed all data is reporting illegal an fraudulent information. this has caused major denials on my credit report. please review an remove the listed items to help clear my credit profile asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me of a hard inquiry reported by TransUnion ( this inquiry is NOT reported by XXXX ). This inquiry is reported as being issued from XXXX XXXX on XXXX XXXX, 2019 I bought a car from XXXX XXXX on that date. I paid cash, and DID NOT apply for credit. The dealership demanded my social security number, stating they were required by NSA regulations to run my name and SS # through the system to make sure I wasn't a XXXX (!!! ) They assured me it would not appear on my credit report. Now it HAS appeared, and as a HARD inquiry. 
I went to the TransUnion website to open a dispute, but it requires that I buy a subscription to do so.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act. To conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer provided evidence furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts.
Product: Money transfer, virtual currency, or money service

XXXX paypal obtained my social security number without permission and will not remove it from their records when asked. They can, but, they won't. Why, I don't know. They're not a bank or financial institution. They are a payment service. They don't need my social security number by law. But, they are lying and say they do.
Product: Credit card or prepaid card

I have a fraudulent charge on my bankamericard credit card from Bank of America in the amount of {$3800.00} from XXXX STORE # XXXX XXXX FL according to Bank of America my claim was denied because I have previous history with the merchant which is not true I need to file a chargeback against this charge or I am going to report this to the federal trade commission as identify theft because my identity was used for this charge and have this credit card remove from my credit profile immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 or other personal consumer reports

**To Whom It May Concern, ** **Subject : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to request an update to my personal information in your records. Please ensure that the following information is the only data associated with my accounts : - **Name** : XXXX XXXX XXXX XXXX **Address** : XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Employer** XXXX XXXX XXXX XXXX - **Social Security Number** : XXXX - **Birthday** : XXXXXXXX  - **Phone Number** : XXXX Attached will be documents to support my dispute.
Product: Credit reporting or other personal consumer reports

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX originally creditor account # XXXX admission date XX/XX/XXXX I believe I was over charged and outside of that I was placed on a payment plan and in XX/XX/XXXX the last payment was posted and then when my plan card updated they failed to send me a new statement or request to change to a new card. My payments were to be cut off once my financial assistance application was approved dated XX/XX/XXXX. Once I saw no more payment it was my understanding the balance was paid off. Since that date I also received no more correspondence from the hospital. I then received a notice from collection agency that i was reported to them Credit control corp of Newport news VA. I have no idea if the balance is correct or if I was approved for a payoff. I disputed the bill with the collection agency but they refused to remove it from my credit and I called the hospital and they refused to correct the issue and the rep was rude and dismissive and made me wait on the line to get a supervisor 's number intentionally because she was upset i cussed because i feel the hospital had no regard for me, or my financial situation to send my account to a 3rd party with no contact or notification. Then i offered to pay them directly and they refused. and they refused to remove the acct from the collector. I feel like there practices violate collection act, hippa and I am requesting a goodwill deletion from my credit report due to the errors by the hospital collections department.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXXXXXX XXXX from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Fidelity National Title Insurance Co. Close Date : XX/XX/2005 Buyer : XXXX XXXX and XXXX XXXX, XXXX Seller : XXXX XXXX, XXXX There are two Incoming Wire Reports that have no account information and no traceable history of where the funds originated from. We have the complete escrow file but these two transfers do not include Bank Routing, ABA Number, Account Numbers, Transaction Summary, Withdrawal Slip or Bank Deposit Slip. The first wire was {$280000.00}. We subpoenaed the bank accounts going out of the purchaser 's account and into the escrow account, but a transfer of funds are not present in either bank accounts. The second wire was for {$560000.00} We subpoenaed the XXXX of the company that supposedly sent the wire and their records say a check/wire for {$560000.00} was sent to escrow. The XXXX and the incoming wire report from the escrow file don't match nor is there any history of where the money comes from. The subpoenaed bank account for the escrow account does not show that {$560000.00} was deposited into the escrow bank account. The escrow co. provided a hand written note on the incoming wire report " {$560000.00} Lender/XXXX XXXX '' but this is not the correct deposit name and amount according to QuickBook details. We have written numerous emails to the escrow co. requesting the history of these two deposits but unfortunately no documentation has been provided. The escrow company claims no traceable history for these deposits because they were in-house Book Transfers / XXXX to XXXX. Our deposit of {$280000.00} was transferred to the escrow bank account and it was also an in-house Book Transfer / XXXX to XXXX the escrow file contains the Transaction Summary, Account numbers, Withdrawal slip and Deposit slip. Why wouldn't the other two Book Transfers include the same details as our Book Transfer? The Arizona Department of Financial Institutions recommended that we file this complaint. They have also requested the escrow co. to provide the account details for these two deposits. The amount in question is {$840000.00} or {$840000.00} ( depending on which total you use ) without any traceable history of where the funds originated from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a huge problem with LexisNexis, they can lie to insurance companies about anyone so the insurance co can charge you more money. This is fraud in the worst way because it's legal and nobody cares who it effects. My insurance premium has been adversely affected by LexisNexis with no reason code or description. This must happen to millions of people for homes, vehicles, boats, motorcycles and more. This co needs to be put out of business. How can they do this to our Veterans and the most financial secure people in this country. They have been getting away with this for years. I wish I could sue them for every extra $ XXXX had to pay over the lowest available premium. Lets see what all my years of Tax money can do for me and my family and countless others ... ..
Product: Mortgage

I lost my job due to the pandemic in XXXX. I started to struggle with the payments so I applied ( and was approved ) for a forbearance plan that paused my mortgage payments from XX/XX/2022 to XX/XX/2022. I was told the deferred balance would be due at the maturity date of my loan in about 30 years. XXXX came and Im still unemployed. I requested an extension on my forbearance and the agent told me on the phone my next payment would be due in XX/XX/2022. I had no reason to think any other action was required of me. Next I got a Credit Karma alert that I had been marked late on my mortgage. I immediately called my servicer and they told my my forbearance was over and all of the payments are due in XXXX lump sum. I would have never entered into this agreement if I was not misled ( twice ) by XXXX 's loss mitigation phone reps. I have no idea how this program would help anyone in a hardship. It's my mistake for not getting this in writing, but if you call your mortgage co and they tell you payments are paused till XXXX I have no reason to not believe them. The most recent rep ( XXXX ; the only XXXX who knew what he was talking about ) also informed me that the letter in the mail notifying me of my forbearance ending was also returned to them so I never received it. Not XXXX single phone call either.
Product: Credit reporting or other personal consumer reports

I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX ( Accounts listed below ) on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

I request that these Student Loan accounts be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$15000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3700.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3500.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE
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. 

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, 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.

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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 has violated my rights. Or list of inquiries 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. 

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 knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. EquifaxXXXX 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: Money transfer, virtual currency, or money service

I received a {$2000.00} transfer through PayPal and then transferred the {$2000.00} to a friend who indicated that she needed it. She resolved her financial issue and went to send it back to me when she found that PayPal had put a 21-day hold on the funds because of '' increased activity ''. Whose, mine or hers? And hw much activity is too much? 

She has called PayPal customer service several times to ascertain why the hold has been placed and no reason could be provided. After making several calls she got a PayPal supervisor who advised her that the funds were available. When she went to link her PayPal and her bank card to the account to put the funds inti her XXXX XXXX XXXX account, the card ( s ) would not be accepted. From a major financial institution, why not? Again no explanation was provided, so more calls were made to PayPal with no resolution. 

She asked them to return the funds to me, which they said they could not once the transfer had been made even though the funds are 100 % with PayPal and can not be accessed. 

In addition they assessed a heavy fee of {$59.00} for the transfer which was not disclosed when I initiated the transfer. It only appeared on the receipt of the recipient. ( See the attached screenshots ) I am attaching the receipts from PayPal regarding this transaction. 
Their complete lack if transparency explaining their funds hold prior to initiating the transfer is not acceptable. If they couldn't transfer the funds once I initiated the transfer they should have said the this specific transfer is subject to a 21 day hold and would I still want to complete the transfer, not place the hold on the funds AFTER THE TRANSFER. 

I want PayPal to be held accountable for fees and information about holds inly after the transfer is initiated. If there was " increased activity '' then this should have been disclosed to me prior to initiating the transfer to allow me to decide if i want the funds held for up yo 21 days!
Product: Payday loan, title loan, personal loan, or advance loan

Every month the interest rates went higher and higher. I cant really remember the dates, but Im going to try and get the paperwork again.
Product: Money transfer, virtual currency, or money service

I am filing a complai

nt 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 Reg
ulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XXXX/XXXX/17 approximately at XXXX XXXX I received a call from Aargon agency regarding two accounts that they had of mine is from XXXX XXXX XXXX. I ca n't remember the young lady name on the other end of the phone but she was giving me a different amount than what I had on my credit report because of nonpayment. One account was for {$820.00} and other one was for {$400.00}. The lady on the phone with trying to con me out of the extra hundred and something dollars she said they were a {$62.00} and some change an extra {$42.00} and some change for the other account for nonpayment. I told her that I was not paying no extra money for the XXXX nor for the other account and the XXXX they wanted {$42.00} for the other account for nonpayment. I said I 'm not paying extra only what 's on my credit report she could take it or leave it. She told me that I could call back and she can get that amount waved. I feel like they where trying to take advantage of me. Both of these account has been paid thru XXXX XXXX, I spoke with XXXX XXXX to get these two account off my credit report so I can go head and put XXXX XXXX, But Until AARGON AGENCY Removes this from my credit report, I can not get Power in my name until Aargon AGENCY Removes this from my credit report. I have both confirmation Number from XXXX XXXX.
# XXXX  {$820.00} # XXXX {$400.00}