23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Citi Cards CBNA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Citi Cards CBNA the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX, Citi Cards CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Citi Cards CBNA Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts appearing on Credit Report. 

XXXX. XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX  {$1000.00} XXXX. XXXX XXXX {$1900.00} XXXX. XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.
Product: Mortgage

To whom it may concern : I need to file a complaint with SPS. The application of the funds received from the Illinois Homeowner Assistance Program was not applied correctly.

Per attached, the property XXXX XXXX XXXX XXXX XXXX, IL received {$11000.00} to be applied to the past due delinquency for the mortgage. XX/XX/XXXX. 

I was notified in XX/XX/XXXX that SPS is trying to collect {$2900.00} of advanced expenses to me as the homeowner even though SPS received the funds from the Illinois Homeowner Assistance Program that covered past due delinquency and all fees included. The {$2900.00} was included in the {$11000.00} from the State of Illinois. 

This discrepancy is causing a lot of confusion and is hurting me as a consumer due to SPS failure to properly apply the funds.

I am requesting a full investigation into what happened to the funds received from the Illinois Homeowner Assistance Fund.
Product: Debt collection

XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX  that our debt was paid in full and XXXX XXXX   seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and  prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XACTUS, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX. 
Purchase a 2018 XXXX XXXX XXXX on XXXX. XXXX paid a partial payment and left a {$41.00} balance for 90+ days. They have ruined my report. The car has been broke since the purchase date. Not one of the 7 places that I have been can fix this car. Can't duplicate why the wheel wobbles in the rear. Deliberate sabotage. The finance company was well aware this car was broken from day 1. Not one car creditor has ever taken 90+ days to payoff a vehicle. I tried to trade this car in and all the finance companies ate asking me for XXXX in negative equity for a broke car. 
XXXX is my contact along with phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Product: Mortgage

In XX/XX/XXXX, I was divorced from my ex-wife. My ex-wife and I had a combined income of about $ 125k.  After the divorce, I was left with the home and had to remove my wife 's name from the mortgage in order to keep it. The divorce left me with assuming all of the debts that were once shared with my ex-wife and damaged my credit worthiness. I applied to Chase Mortgage for a modification. After supplying my financial information in XX/XX/XXXX, Chase Mortgage agreed to a modification only lowering my mortgage by {$20.00}. Although, my household income had decreased by 50 %, I attempted to continue to pay the newly reduced loan through XX/XX/XXXX. I was supposed to sell the home between XX/XX/XXXX-XX/XX/XXXX, but I had been laid off in XX/XX/XXXX so I did not put the home on the market until the Winter of XX/XX/XXXX. I could not apply for another modification for a year, so I did my best to continue to keep my home. To no avail, I wound up filing Chapter XXXX Bankruptcy prior to the foreclosure scheduled in XX/XX/XXXX and surrendering my property. Earlier in XX/XX/XXXX, I received a check for a class action lawsuit that Chase had been sued for discrimination in giving bad loans to minorities. I destroyed the check because I felt that I had been victimized as well, and that Chase had given me the botched modification so that I would eventually lose my home in a great neighborhood with an excellent market. Now, we are going through a short sale for an amount that will cover the loan at about $ 170k. Chase was right in projecting that I would lose my home with the {$20.00} decreased modification, and that the home would sell quickly on the local market.
Product: Vehicle loan or lease

At XXXX I try to purchase a car never ever checking my credit score I find so many things that doesn't belong to me, yrs ago someone call me and said they were calling from SSDI saying I had cars and houses with drugs in my name I gave them my ss # and call social security office they said they would take care of it. Now that I want to do different things I can't .is there anything that can be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
Product: Credit card or prepaid card

On Saturday, XX/XX/2020, I saw that I was charged the yearly {$79.00} fee charged by capital one. I contacted Capital One to see if I would be able to get the fee waived as I have recently lost my job. As I am aware that it is not Capital Ones problem that I am no longer employed, I had hoped that they would understand that I, like so many people are experiencing extreme financial hardships during this unprecedented time. I called and was given over an hour wait time so I opted to have a representative call me back. Three hours later, I was contacted by a Capital One representative who informed me that there was nothing they could do about the fee. I was immediately infuriated and asked to speak to a manager. After a brief hold, a gentleman by the name of XXXX who said he was a manager, came on the line and reiterated what the first person had told me. They were unable to waive the fee. Period. I explained to XXXX that the fee was a financial hardship for me at this time, and as a customer of over 14 years why couldnt the fee be waived. XXXX informed me that it was company policy and there was nothing he could do for me. Feeling unsatisfied with Christians response to my questions, I asked him would he be able to tell me when Capital One stopped waiving annual fees as it had been done for me previously. At that point, I believe XXXX decided that he was no longer willing to assist me and hung up in the middle of our call. XXXX was very unprofessional and unprepared to handle my concerns and did a terrible job as someone who has been put in a position to help customers. When I called back to complete my call, there was another three hour wait to reach a representative. After such a frustrating call with XXXX, I opted not to wait for another possibly rude Capital One representative and cancelled my card.
Product: Credit reporting or other personal consumer reports

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account, I have {$340.00} dollars in there, I filed several complaints with them and even chatted online, they say they are super busy and looking into it. This has all started on XXXXthey keep giving me the run around and dont even say why it is frozen. Please help!
Product: Credit reporting or other personal consumer reports

Bureau failed to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, they are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.
Product: Debt collection

My father passed way on XX/XX/19. Shortly after his passing we received an ambiguous letter in the mail from DCM Services , LLC to his " estate manager '' requesting information and stating that we had outstanding debts that needed to be collected. No amount was given in the letter and as I have been the one handling the medical bills from my dads XXXX treatment, I know that there is nothing that is past due. My dad was on Medicare and the insurance paid for nearly every part of his treatment, and the few thousand dollars that we did owe for various out of pocket costs have all been paid. To date we have received two of these ambiguous debt collection letters and one phone call from DCM Services , LLC has been made to my mother. My mother is XXXX years old, suffers from various mental issues, does not know how to use the internet to investigate these scams, and just lost her husband. A quick search online helped me to conclude that this company goes after people who have lost loved ones and tried to unjustly collect debts. DCM has been sued multiple times with class action lawsuits. It is sickening that this company would prey on older individuals who have just gone trough one of the most difficult times of their life. Today I, the daughter, contacted DCM Services , LLC   via phone and attempted to get them to take my mothers number off of their calling list. After speaking to two different gentlemen, I was thanked for calling and hung up on. So far I know that this issue is likely not considered harassment, but I worry that it will go in that direction and I am trying to put a stop to it now. I have been handling everything for my parents for the last year while my father was sick, and now that he has passed and I am continuing to handle their bills, finances, paperwork, etc. I know for a fact that we have nothing outstanding, my parents had the means to pay any bills that we received, so there is no reason that anything would have been left unpaid. We have a balance of {$250.00} on his hospital bill and that will be paid in May and that is all that is left to pay. And I imagine if they are doing this to us, people who have no actual debt to collect, they are absolutely harassing others that have unpaid bills much more. All I want out of this is for them to stop calling my mother. I don't care about getting paperwork in the mail, but I can not have these people harassing her needlessly in her fragile state. I have instructed her not to communicate with them if they call again and not to give them any information over the phone at all, but that doesn't mean that they will not continue to call her daily.
Product: Checking or savings account

I noticed on XX/XX/23 that my account with Laurel Road was restricted. I called the number provided and the representative advised that it was being investigated for fraud. I didnt understand why, so I sent a follow up email that same day. Since then I have continuously been ignored or advised it is still under investigation. They advised they closed my account and then asked for proof from my checking account that the funds were deposited to Laurel Road. I sent this as requested and still nothing has been done. My account is still restricted and I have no access to my money they have.
Product: Checking or savings account

I was charged by XXXX XXXX for 6 unauthorized transactions of {$88.00} each ( total of {$520.00} ) on XXXX. My bank USAA contacted me about these charges as potentially fraudulent. I responded that I had not authorized those charges. USAA stopped payment and reissued me a Debit Card. USAA credited by account on XXXX with XXXX payments of {$88.00} ( total of {$520.00} ). 

However, on XXXX USAA reversed those credits so that I am still liable for the {$520.00} that I did not authorize. 

I have talked to USAA a number of times but there has been no resolution. I have a fraud case number with XXXX XXXX. I have a XXXX, AL Police case. I last spoke to USAA on XXXX about this rejection of my claim. They were supposed to call me back but never did.
Product: Credit reporting or other personal consumer reports

The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to SPRING OAK CAPITAL. I requested that the account be validated and asked for documentation below listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; SPRIN OAK CAPITAL ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character SPRING OAK also has no license to collect in the state of North Carolina and the lied when I called and stated they had a license to collect. See Licenses in attachment. SPRING OAK is in violation of multiple US Codes, Privacy Act of 1974, FDCPA, CFR and FCRA. SPRING OAK COLLECTION ACCOUNT are to be removed from my credit report Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : you violated my rights { 1 } did not remove account while under investigation { by law you had to } { 2 } reporting verified with inaccurate information { past Due } { 3 } collection can not report as open account } because you verified as accurate validate this account Your name and contact information, Your employ ID #, who you talked to what was said { in Detail both parties verify this account as accurate their name and contact information the time and date, any associates that you talked to their names contact information, time and date .their employ ID # copy of original contact with my signature { not a letter from XXXX XXXX a copy of original contract from XXXX XXXX with my signature, who is the original creditor on this account their contact information because that to is { fraud } the account states XXXX under15U.S.C. 1602 { f } my social Security card was used in this account that make me the original owner with full power over this account credit the term credit means { the right granted by the creditor to a debtor to derfer payment to incur debt and offer its payments NO WHERE DOES IT STATE A DEBTOR IS THE ORINGINAL CREDITOR 15U.S.C.1611 { c } false or inaccurate information YOU 15U.S.C.1681 { a } { 2 } in accordance with the written instruction of the consumer to whom it relates 15U.S.C.1692 { c } with out prior written consent of the consumer this will be forward to the XXXX  and my attorney if need be theirs a lot of violations 30 day from this date by law
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 information is inaccurate.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that was placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have not engaged in any activity that could be considered fraudulent or in violation of PayPal 's policies. Therefore, I believe that the permanent limitation placed on my account was unjustified and undeserved. 

Secondly, I would like to emphasize that I depend on my PayPal account for my business and personal transactions. The permanent limitation has caused me significant financial losses and inconvenience. I am deeply concerned about the impact this decision will have on my ability to conduct business and pay for essential services. 

Given the importance of my PayPal account to my daily activities, I kindly request that PayPal re-investigate my case and take into account any relevant evidence that I can provide to support my claim. I am willing to provide any documentation or information that may assist in resolving this issue. 

In conclusion, I urge PayPal to carefully consider my appeal and take the necessary steps to restore my account. I appreciate your attention to this matter and thank you in advance for your cooperation. 

Sincerely, [ XXXX XXXX XXXX