23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I signed up for a company named " American first finance '' to help furnish our new home because paying out of pocket wasn't an option. I was told that my balance for the couches i bought was XXXX XXXX i was NOT informed of any other charges after a certain amount of time. Recently i noticed that I've been paying this off for longer than i had thought so i logged into my American first finance account and it stated that i still owed almost XXXX $ more. I referred back to the email agreement and in a separate email i wasn't aware of being sent it said if i didn't pay off the XXXX $ within a month and a half an additional XXXX $ would be added to my remaining balance. I tried contacting the company to ask why they're trying to charge me two times more than i actually bought the couches for and they told me they cant do anything about it and refused to give me any information regarding my account. I then did some research on this company and a lot of people have been having issues with them fraudantly stealing money, charging their account more and adding more to their bill with out acknowledging the customer. I refuse to continue to make payments on an account that should have already been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

Unathorized charges happen to my checking account from a company name fanatics. Over {$4000.00} usd including overdrast happen to my account between XX/XX/year> and XX/XX/scrub>XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$360.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal informed me on XX/XX/21 that my account was permanently frozen due to alleged violations of TOS. In the email, it stated the current balance of {$1800.00} would be held for up to 180 days as insurance against any chargebacks, disputes filed, etc. None have been filed by any buyers. At day 170 of the 180 days ( XX/XX/21 ), the entire amount was removed from my account for " damages to Paypal '' without any notification to me. Customer service can not tell me anything about my account or offer anything but canned answers. I requested accounting of realized damages that totaled this amount but they have refused to furnish this to me. The best thing they could offer is that I hire an attorney to send a lawsuit or have a law enforcement subpoena sent to their legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an inaccurate item being reported on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX account # XXXX. 
On XX/XX/XXXX, I have contacted XXXX XXXX XXXX XXXX XXXX to verify the ownership of this account at the address listed on my Equifax credit report : XXXX XXXX XXXX, XXXX, VA XXXX via certified mail return receipt. 
The mail was returned back to me as undeliverable due to invalid address. 
On XX/XX/XXXX, I have contacted Equifax with a copy of the returned mail demanding the removal of the account due to the incorrect information being reported. Equifax received my correspondence on XX/XX/XXXX and opened an investigation. On XX/XX/XXXX, the investigation was complete and information was verified as accurate. As of today, XX/XX/XXXX, the address reported by the furnisher is still false and the account has not been removed. Equifax ignores the facts and neglect to conduct adequate and proper investigation into any inaccurate and/or false information reported by furnishers. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any credit reporting agency if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. '' Since I reported it as inaccurate and Equifax initiated its investigation by contacting the furnisher in that regard, the furnisher has a knowledge of the false information which violates my consumer rights. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. Should this false information remain on my credit, I I have no choice but to proceed with other legal actions. Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

Hi Equifax, THIS IS THE SECOND TIME I REQUEST TO DELETE THOSE 8 FRAUD INQUIRIES FROM MY CREDIT REPORT. 
I NEVER APPLY OR DO BUSINESS TO ANY OF THOSE FRAUD INQUIRIES AND I CALLED EACH OF THEM BUT I WAS TOLD THEY DO NOT HAVE MY NAME ON THEIR SYSTEMS. 

THOSE FRAUD INQUIRIES BELOW SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX inquiry date : XX/XX/year> XXXX Dealer Service inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : inquiry date : XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX, inquiry date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
FXXXX 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
Product: Credit reporting or other personal consumer reports

I Did not Authorize for any Companies on my Consumer Credit Reports to report any information to Any Credit Bureaus. According to The Credit Fair Reporting Act FCRA Section 605B It is illegal to report information on my credit report without my permission. Please remove These items from my Credit ReportsTHANK YOU.
Product: Credit reporting or other personal consumer reports

The account was sold by XXXX and paid not reporting accurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding closed accounts that are negatively impacting my credit score. The accounts in question are as follows : Creditor Name : Ally Financial Account Number : XXXX XXXX Reported Status : XXXX  XXXX  Creditor : XXXX XXXX XXXX  Account Number : XXXX  XXXX Reported Status : XXXX  XXXX  XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. I believe these entries are incorrect for the following reasons : These accounts were paid in full and should not reflect a negative status.
Product: Credit reporting or other personal consumer reports

XXXX is reporting I have XXXX late payments, XXXX is reporting XXXX and XXXX is reporting XXXX late payments on my paid in full, closed Ford auto loan account. The account is also closed and paid and still reporting a late payment. 

Ford gave a generic answer and the credit bureaus who prey on the poor working class was fine with that investigation because of the unfair practices as well.
Product: Debt collection

This Credit card company keeps calling after I have explained to them mulitple times that I am filing for XXXX and do not have any income at the moment. They have asked how I can afford a cell phone and asked why the person that is helping me out can not help with this debt ( he does n't have any extra money either. ) They unfortunately call from a unlisted number but every time I have answered it has been this bank ( commenity bank for XXXX or XXXX ) but when I ignore the call they will call repediately in a day with the calls being minutes apart. ( yesterday they called all day and some calls were 9 minutes apart ( XXXX17 )
Product: Checking or savings account

Bank of America keeps blocking access to my funds and locking my card and online access I keep telling them there is no fraud but they keep holding my money and denying me access to it Ive called over 50 times and they fix it then lock it up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Product: Credit card or prepaid card

I did a balance transfer with BJs/XXXX  XXXX  for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX  never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need
Product: Debt collection

THEY BREACHED HIPPA! 
I received an account on my report through Elevate Recoveries LLC with no written notice, phone call, or anything about the account. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, not only was there a failure to file a written notice they breached my write to privacy through healthcare. If the account isnt removed I will take further action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my account with them as late for the passed 4 months- disputed with all the reporting agencies all come back as verified when I sent clear evidence there was a mistake - XXXX XXXX has tried summiting the proper information to the agencies and but they are still reporting wrong information on my report.
Product: Checking or savings account

XXXX collection agency went through a third party, without my consent to acquire my new bank information and began drafting {$75.00} out of my account. They withdrawal {$75.00} in XXXX and XXXX of 2018. I never signed, finalized, or spoke with anyone. And their isnt any court orders to do so.
Product: Debt collection

I am writing to file a formal complaint against OmniPoint Management Solutions, LLC regarding their unlawful debt collection practices. On XX/XX/year>, I received a letter from OmniPoint Management Solutions , LLXXXX, informing me of an alleged debt owed to XXXX XXXX XXXX, which was purportedly originally owed to XXXX XXXX The letter stipulated that I had until XX/XX/year>, to respond to their communication, either agreeing to or disputing the charges. 

However, merely XXXX days after sending the letter, OmniPoint Management Solutions, LLC began harassing my relatives by contacting them via phone. This action is a clear violation of my privacy rights and constitutes harassment under federal and state laws. I had not provided OmniPoint Management Solutions, LLC with my relatives ' contact information, yet they managed to obtain it through unauthorized means, likely by running a background check on me. This unauthorized access to personal information and subsequent harassment of my relatives is unacceptable and illegal. 

Furthermore, when I contacted OmniPoint Management Solutions, LLC to request that they cease contacting me and my relatives by phone and communicate with me exclusively via regular mail, their representative, named XXXX, disregarded my request and insisted that they were within their legal rights to continue calling both me and my relatives. 

This conduct by OmniPoint Management Solutions, LLC not only violates my privacy rights but also breaches several federal and state laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, including harassment and contacting third parties about a debt without the consumer 's consent. 

The California XXXX Fair Debt Collection Practices Act ( California XXXX XXXX XXXX et seq. ), which mirrors many of the protections provided by the FDCPA and imposes additional requirements on debt collectors operating in California. 

By initiating harassing phone calls to my relatives mere days after sending me a letter and refusing to honor my request to communicate via mail, OmniPoint Management Solutions, LLC has demonstrated a blatant disregard for consumer rights and legal obligations. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against OmniPoint Management Solutions, LLC for their violations of federal and state debt collection laws. Additionally, I request that the Bureau ensure that OmniPoint Management Solutions, LLC ceases all unlawful debt collection activities and compensates me for the distress and inconvenience caused by their actions. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries 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 the attach letter saying Ill have access to my funds at the end of next month. The letter says to email them if I have any questions. Well Ive emailed them many times and no response. When I go through the website and message PayPal they send me an automated response. This has been going on for almost 6 months now. I cant talk to anyone nor can I get a email or message from a real person. What do I do?
Product: Payday loan, title loan, or personal loan

In early XX/XX/2018, I applied on www.SoFi.com for a personal loan. I have excellent credit and income and met all of the qualifications necessary to receive the loan amount of $ XXXX that I applied for. I went through the SoFi account review process submitting all required bank account documentation and proof of income and was approved for a loan. When the review process was completed I was sent my loan agreement and signed it on XX/XX/2018. My first payment on the loan was to be due on XX/XX/2018. However, for some reason, SoFi has refused to fund my loan and hasn't given me any plausible explanation. It is now XX/XX/2018 and SoFi has not funded the loan per our agreement. Every time I have contacted the company about the status of my loan they have only offered vague excuses and empty promises of the funding being ready to go. My SoFi account has now been placed in permanent 'signature review ' status. SoFi recently notified me that my application has expired even after I have provided everything that they've asked for. Based on my experience with this company I strongly suspect that I have been discriminated against based on race or because I am a senior citizen.
Product: Checking or savings account

A fifth mediation request was denied, a letter was received on XX/XX/XXXX stating it was denied and referred to a check which was intercepted, cashed by a third party. This check appears to be a settlement offer made by XXXX XXXX to me in XXXX, XXXX. The offer amount, {$3700.00} was accepted pre-mediation, I later learned the offer was low-balled after speaking with several current and former Wells Fargo customers with lesser damages than myself. Since no payment was received, I've sent in additional mediation request forms and was recently contact by XXXX in mediation ... We spoke on XXXX, XXXX denied the offer was low-balled and did not offer any proof showing so, he also denied two additional facts which include the check forged and sustained damages including unable to open accounts with other banks due to information reported by Wells Fargo. A letter received that same day, XXXX, states information was removed from XXXX XXXX XXXX which was supposed to have been removed prior. As for the signature on intercepted check, XXXX attempted to state it is mine even though he is not a handwriting expert then contradicted himself stating I signed and cashed it into a Wells Fargo account ... The last account was closed with Wells Fargo in XXXX or XXXX, I believe. Second, I have not had an account with any bank since and have been using pre-paid accounts. Third, the limit for a check deposit with my current pre-paid account is {$2500.00}. The amount of check including estimated IRS taxes is {$5100.00}, I believe. Needless to say, it is impossible for me to deposit it. Wells Fargo rep by the name of XXXX XXXX was replying via CFPB portal and it appears another rep is now replying and still using a general form reply. This form reply states numerous attempts at resolution made, exhausted all efforts which is a lie. Neither rep has detailed one such attempt such as reaching out via phone, email, or otherwise ... I can assure the CFPB and any other third party Wells Fargo has made no attempts whatsoever. I have called their executive phone bank numerous times, reps attempt to refer me to one of the settlement sites in which case has nothing to do with Wells Fargo mediation program and is a run-around. It appears they are not at all familiar with mediation program and will not assist me by forwarding my information to someone who can. Since no payment was received and check appears intercepted by another party, signature forged, I request Wells Fargo remove information reported to IRS as I did not receive funds from check. Also, I need a mailing address to send notice of small claims suit since mediation request was denied.
Product: Debt collection

Was referred to addvantageusa from my credit repair company XXXX XXXX. Was approved and ordered a laptop whichwas never shipped! Cancelled the laptop order. I am now receiving statements and collection calls from UAS, universal acoount servicing llc XXXX. It states right on the statement its for my acct with XXXX. I cancelled all orders in XXXX 2015 with addvantageusa. They have debitted money from my checking account for a laptop inhave never received. I have called every week since XXXX 2015. I have also tried to start a chat on their website- three separate times they stated that they were going to take care of this and nothing has happened. Niw, they dont respind to my chats and never answer their phone. UAS makes daily calls to my cell phone while i am at work harrassing me for a debt i do jot owe. When i call them back, no one EVER answers! I have been on hold in their que for over 45 minutes! Please help!!
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 # : Unavailable Original creditor T-Mobile. 

I looked at my transition credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information.

( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to nor 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 card or prepaid card

The account was opened in 2017 while I was in basic training to join the military and I had no knowledge of the account, it wasn't until a ew years later when I realized it and tried to dispute it. None of the information on the account match my personal information, email, phone number etc. Last year without my consent they updated the information on file to match mine so that it looks like its up top date.