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

I turned XXXX on XX/XX/2020. I should not have a credit profile. If XXXX, Equifax, and XXXX would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted XXXX, Equifax, and XXXX about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent XXXX, Equifax, and XXXX a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. XXXX, Equifax, and XXXX still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. XXXX, Equifax, and XXXX did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX : Refusal to Remove Inaccurate Data I've submitted several requests for the removal of inaccurate information from my credit report. Despite being notified that the account was closed due to a creditor error, which resulted in the cancellation of the debt, XXXX has refused to delete the erroneous entry. I request immediate action to correct this issue.
Product: Credit reporting or other personal consumer reports

This account is 7 years old and is still reporting on my credit. I thought that according to federal law, negative items on credit reports were to be removed and deleted after 7 years. I have reached out to the creditor and the credit reporting agencies multiple times requesting the deletion of this account but they continue to be negligent. 

The details of this account can be seen below : XXXX XXXX XXXX XX/XX/year> {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists accounts listed below : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Inquires XXXX XXXX XXXX be removed : XXXX : XX/XX/XXXX XXXX Card : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've listed a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On repeated occasions I have received calls and emails from IC System claiming that I owe XXXX XXXX on account XXXX. Since I didnt recognize it, I called them and they told me that only XXXX could cancel it. I have called XXXX services at XXXX XXXX XXXX and XXXX XXXX, but nowhere does it appear that I owe anything. However, when I ask for proof by email they dont give it to me. IC System reported me to the credit bureau and lowered my credit score by XXXX points in one day. I dont know what to
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. Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
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. 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

XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

XX/XX/XXXX XXXX, I hope all is well. My name is XXXX XXXX I have an account with TD bank # XXXX. 
My family and I were impacted by Covid-19 and when I called sometime in XX/XX/XXXX I had explained my situation however, my funds were not credited back to the account. 
Last year XXXX my debit card with TD was lost. I contacted them immediately once I discovered my card was lost. After receiving my new card I assumed all transactions on the old card would no longer be valid or no payments could be processed. Fast forward to XX/XX/XXXX XXXX XXXX had gone into the old / closed debit card and retrieved funds. Again, I immediately was in touch with TD to explain what happened and to please give me back my money. Later, in the month of XXXX my debit card was finally closed after reporting it 1 year later. I then reiterated once more I closed my debit card last year and this should not have been honored by my bank. 
Can you please help us figure out what happened and why I did not get my money back? 
Regards, XXXX XXXX XXXX
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) RXXXX XXXX OPEN BALANCE IS {$1700.00} OPENED XX/XX/2023 ORIGINAL CREDITOR IS CREDIT XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS
Product: Mortgage

I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to SLS after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with SLS. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from XXXX over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), SLS ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.
Product: Money transfer, virtual currency, or money service

Dear Sirs, XX/XX/2019, I started a company for myself to do flooring contracting. I needed to have a payment processing services. After doing some research, I reach out to PayPal and opened my account with them. 

My first few payment transaction was having problem as PayPal was requesting me to provide them documents to proof to them that I have a legitimate business. they requested my EIN, articles of corporation and a photo ID. I had all the papers sent to them the same day. 

One week later, another few transactions were held by PayPal limitation department. Now, this time, they requested me to provide them with invoices that were used to charge my clients, again, I provided them statements and information of my clients for confirmation.

Then, one week after that, they added another limitation for the third time on my account. this time they need me to provide them with the last 6 months of bank statements. I mentioned to them I opened my bank in XX/XX/2019 and can only provide 3 statements. the Rep. told me that is fine, I uploaded them, after that, they said we need the last 6 months of your previous merchant account statements. I told them that PayPal is my first payment processing service. I've never had another one as my business started in XXXX Finally, I spoke with the manager and explained everything all over, the manger XXXX was very disrespectful and rude to me. He told me that PayPal doesn't want to provide me services anymore and will hold my funds for 180 days from the time it charged my clients. He didn't want to listen to me, he wasn't willing to work with me to get this problem taking care of. He also refused to allow the funds to be transferred earlier than 180 days. I need help to have them releasing my funds immediately please, it has been almost over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$6300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8800.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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

My credit score dropped 80 points for no reason. When I try to find out why, XXXX tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my 80 points back!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX  Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Mortgage

Village capital attempted at least 4 times to defraud me on a VA montage refinance they were violating the closing costs established by the department of veterans affairs, the origination fee established by the department of veterans affairs and charging me excessive fee for a point I shouldn't have had to pay for at all they attempted to finance my escrow into the loan or make me use it to pay down the loan they delayed closing due to incorrect information on the paperwork which was adding more interest I would be required to pay that is fraud and deliberate Village capital uses deceptive tactics against veterans the lender bragged about using the tactics against the consumers to me the lender was told by me the loan would be refinanced be another lender he then called me after I sent email to cancel refinance and was bullying me saying I would not found a lender better then him saying rates went up denying deceptive lending tactics the whole time on the phone his assistant didn't even pay attention to anything I told her or my financial institution told her regarding pay off amount by asking for 30 day payoff the lender was trying to force me to default on the loan and continue the delay causing more interest to build up they targeted me based on XXXX as I'm a XXXX veteran and that is my income even though I repeatedly told them I would provide all closing costs out of pocket not they the loan they village capital uses bullying and deceptive tactics to trick consumers into playing a higher loan amount and into accepting it thru fraud i informed them they wouldn't make the correct changes sent me incorrect paperwork 3 times and still incorrect over the phone they don't intend to correct they intend to defraud and they targeted protected classes of people who have federal protections
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union reports I am employed "XXXX XXXX" I do not work at all. They also refuse to remove outdated information. They also allowed my credit report to be accessed without asking me first after placing a freeze. I tried to contact them when I was denied access online only to be asked to "purchase a credit report" and I will not continue to pay for their deliberate errors and mistakes. 

I contacted Attorney Generals Office, State of Alaska and requested assistance with a phone access number for a live person, and was told that I could fill out a form at home and mail in. 

I am XXXX XXXX and need help sometimes and feel when government offices allow these agencies to continue to abuse consumers protective rights they need to be made to conform. They do not have a local office in Alaska to my knowledge and they should be forced to provide consumer access via live phone "(area code) XXXX" so consumers can address needs and there are "dual" records to deal with compliance and help consumers deal with their "deliberate negligence", trying to force us to buy products.
Product: Credit reporting or other personal consumer reports

I did investigation on my credit report and found several items on there to be identity theft I demand this to come off my credit immediately
Product: Debt collection

This is a formal request for a block or Deletion of XXXX XXXX XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) 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 not later than ( 4 ) days business days after the date of receipt by such agency of :
Product: Credit card or prepaid card

XXXX purchased a dining table from Macy 's for {$3000.00} on XX/XX/XXXX -The purchase was placed on a Macy 's credit card and was eligible for a 0 % apr rate for 12 months -After taking delivery, I planned on paying off the purchase before the promotional period was over. After I randomly audited my Macy 's credit card portal, I learned that I am being charged a variable interest rate ranging between 28 % and 31 % apr ( this equates to approximately {$90.00} in interest ), which should have never been charged. 
XXXX reached out to Macy 's credit card customer service and was told that the individual who created the purchase order did not setup the promotional apr as part of the order. 
-The resolution provided by Macy 's credit card customer service XXXX that they will reverse XXXX and XXXX ( 2 months ' worth of interest payments ), and I would still be liable for the other 4 months ( XX/XX/XXXX - XX/XX/XXXX ) and any future interest. 
-Please use the call I placed to Macy 's credit card at XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and her supervisor, customer reps at Macy 's credit card as a reference or evidence. XXXX explicitly acknowledged this was an internal error but can only offer the 2 months interest reversal as a resolution. 
-I have no other recourse as a consumer and would like CFPB 's assistance to help protect me as a financial consumer.