23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 which 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, WI XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 reporting, credit repair services, or other personal consumer reports

I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix the accounts XXXX/XXXX   XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Account number XXXX
Product: Mortgage

Currently have a mortgage with amerihome which services loan for escrow payment of insurance and taxes. Amerihome montage company did not pay home owners insurance in a timely manner and my policy was cancelled.Escrow account at time of payment due had surplus funds covering this payment..
Product: Debt collection

XXXX XXXX # : XXXX Original Principal : {$2200.00} Interest Due : {$5.00} Amount Received : {$700.00} ( XXXX as of XX/XX/2024 ) Total Due : {$1600.00} ( " XXXX '' ) We both know of every violation you continue to practice but I will break it down and explain for sake of this complaint. Also, for more proof please see all my emails sent & ignored to you & XXXX from XXXX XXXX. You contacted me via email XXXX. You threatened me with a negitve credit reporting & forced me into a payments plan EVEN after I advised that I'm taking this to court with them as soon as I can actually contact them & I sent proof line by line of why the amount " owed '' is completely inaccurate with all their violations XXXXYou ignored all of my contacts with you ( see some attached proof + emails + recorded calls ) XXXX. More than likely you are a XXXX party agency and you are collecting a " debt '' you already paid for In hopes to recoup your money AND you have added intrest which is a violation enough to have it removed from my report if it were to be added on XXXX. The orginal company told me I had until XX/XX/2024 to make arrangements or dispute but less than a week after that correspondence in XX/XX/2024 your company had my file and was demanding payments, you not only violated the notice you just gave & ignored my disputes but you allowed them to as well which it's your DUTY to verify all cost & agreements BEFORE collection XXXX. I requested via certified mail ORGINAL agreements between me & you & you and the orginal creditor before the arrangement was set, and proof via mail with signature after incase I pay & you still try to collect and you denied me saying it's not possible. 
XXXX.I have no orginal copy of my promissory note nor POA Just to name a few ... per FCRA, CFPB, etc etc the usual violation remedy amount is XXXX XXXX per violation you are already at XXXX XXXX  trying to collect less than XXXX. Let 's not draw this out because I have over XXXX emails, XXXX recorded calls, and proof of unlawful payment. You should be ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no contract ; account was settled with original creditor, yet remains on my report ... grave error XXXX XXXX XXXX XXXX XXXX-XX/XX/2017 {$31.00} ( You have NOT provided me a copy of ANY original documentation required under Section 609a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

My information has been exposed to third party companies I have no clue about. I gave no consent for my information to be shared. I'm also getting emails, spam calls and mail in my mailbox from companies I never heard of. My credit score has dropped because of the hard pulls on my credit that I haven't consent for these people to pull. I had my identity stolen to where now I have to use an IP PIN number that is issued by the government when I have to file taxes or anything dealing with trying to identify myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when Experian list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX XXXXXXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX  XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX  Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid
Product: Checking or savings account

I deposited my check of {$7800.00} into an atm located at XXXX XXXX XXXX. The machine was buffering and then a red bar came in the atm screen stating that the machine is experiencing issues. It keeps my check but asked me to remove my atm card and printed a receipt. I have contacted everyone from bank manager, to claims, to branch, and everyone is giving me the run around. Please help.
Product: Credit reporting or other personal consumer reports

my prospective employer will not move on with my hiring process bc of a debt on my background check from XXXX XXXX for {$840.00}. i have never gotten any products for this company and had no knowledge of them until today. I also found out that as of XX/XX/2023 they are in a XXXX millon dollar lawsuit over products they sold to consumers.
Product: Checking or savings account

Have been an account holder of Wells Fargo bank for over twenty years. My investment portfolio has a XXXX XXXX XXXX checking feature. Have only attempted to use is recently and encountered issues. Was assured that the problem would be investigated. XXXX XXXX, a Wells Fargo officer was assigned to the case identified by case number XXXX. Weeks have passed and there has not been a single finding in this so called investigation. 

I have, however, discovered that for each check presented a penalty was affixed to my account. As of this writing, there has been no information revealed to me about the investigation. If there was a problem with the check the bank should simply reject the check. If this is not a predatory banking practice then I would want the bank to detail how it is not. Additionally, if proven, what would be the penalty for a series of predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.
Product: Credit reporting or other personal consumer reports

The company failed to provide sufficient documentation to validate the debt despite my repeated requests under the FDCPA and FCRA. The account includes multiple inconsistencies and inaccuracies, such as discrepancies in the opening date, balance, and payment history across credit bureaus. Additionally, the company appears to have relied on automated systems like e-OSCAR, which do not meet the legal standards for a reasonable investigation. This unverifiable and inaccurate information is harming my credit profile.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate unfair customer service and unfair practices, which violates the Consumer 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 is unfair and deceptive. As they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This is regarding my XXXX XXXX credit card through Comenity Bank. On XX/XX/XXXX, I contacted them to let them know I was having trouble making the XXXX payment and asked for a deferment ( on their website they did offer COVID assistance, which was a message I read when I logged in to my account ). I have been unemployed since XX/XX/XXXX, and had been making my payments all along, but then my Unemployment benefits were stopped on XX/XX/XXXX for an invalid reason. I subsequently had to file an appeal with the state but that hearing was not scheduled until XX/XX/XXXX, so I didn't have the income for nearly 8 weeks at that point on XX/XX/XXXX. They agreed and said I would not have to pay my XX/XX/XXXX nor my XX/XX/XXXX minimum payments. Then, on XX/XX/XXXX, I logged in t my account to check it ( this is my payment due date ) and it showed NO minimum due - XXXX. At that point, my unemployment benefits had just begun resuming, so I made a small payment of {$40.00} ( again, NO payment was required ). The {$40.00} payment cleared on XX/XX/XXXX. On XX/XX/XXXX, a Sunday, the calls from Comenity Bank began, starting at XXXX in the XXXX. They called at least 8 times, and each call was from a different number ( in Ohio, Colorado, etc. ) or, showed up as a blocked number. On XX/XX/XXXX, I did finally answer one of the calls, and explained to the agent that I did in fact make a payment when none was due and told her it had already cleared. She thanked me and said she would notate the account. Well, then, the next day, on XXXX, the calls continued from Comenity. I had NINE missed calls from them on XXXX. I did not answer, figuring their computer system hadn't yet updated or something. The next day, on XXXX, the calls continued. I received THREE calls that morning ( all within the space of under 2 hours ) and I finally answered. I told this new agent the entire story and that I had just told an agent on Sunday, XX/XX/XXXX, that a payment had been made when none was required. I then said I would file a complaint with the CFPB if the calls continued, as they were harassing me. All for $ XXXX. It's ridiculous. The calls did stop for a few days, but they just began AGAIN! Today, on XXXX. I have not answered yet but decided to file this complaint instead. I have all the calls saved in my phone, and again, they are from different numbers. When I re-dial the number it says Comenity Bank, so I know it is them. If they can not manage a COVID assistance program for their customers, then they should not offer it!!
Product: Checking or savings account

In late XX/XX/XXXX, I received a letter from JP MORGAN CHASE BANK stating the bank had made a decision to close all of my accounts, except for my XXXX loan account. I went to my local branch, but no one there could ( or would? ) tell me why this decision was made. I had XXXX checking accounts, XXXX credit card account and an XXXX  loan account with Chase. Also, many years ago, my XXXX had made me the XXXX  on her Chase checking account so I planned to utilize that money for her care, as she started struggling with XXXX. After Chase informed me they were closing my accounts, I then tried to transfer money out of XXXX of my accounts, using the online service, but that was not an option. I tried to go into the branch and get money from either my checking or from my XXXX checking, but was told by the cashier that I could not get cash from either my accounts nor from my XXXX  account. This was in mid XXXX. My XXXX  is now XXXX XXXX XXXX and she is in a nursing home ) and needs clothing and other items as she lived in Texas  until XXXX and needed warmer clothing for XXXX XXXX. Finally, after 3-4 trips to the branch and finding the mobile app was no longer of any use to me, my accounts were actually closed in late XX/XX/XXXX. However, my XXXX  account was closed before my accounts were. Her money just disappeared from the mobile website. She had over {$4000.00} in her account. I called the Chase XXXX # again in XX/XX/XXXX and told them I was going to file a complaint with OCC. XXXX days later, in mid XXXX, I received a check for all of the money from XXXX checking account via an Express XXXX delivery to my home.. Today is XX/XX/XXXX and I still need to know what Chase did with my XXXX  money and how I can access this money for her care. Also, why wont anyone there tell me why these decisions were made?
Product: Money transfer, virtual currency, or money service

PayPal is holding {$28000.00} of my money collected from my clients over the past three years and they are not letting me have it. 

I was actively using PayPal since XXXX  and I never had a single major issue. They were always pretty nice to me and we got along pretty well. 

I trusted PayPal for storing my funds in it, and over the course of the past three years, I've collected more than {$30000.00} on it. 

On XXXX I received an email from PayPal asking to prove my identity. I thought this was some kind of routine check that PayPal does. I didn't bother to check the future. I provided my passport picture and my bank statement picture. 

Please note that I provided these multiple times before when requested, and I never had a single issue. 

On XXXX when I had around {$28000.00} in my PayPal balance I received an email from PayPal stating that my account has been permanently limited and that my funds are frozen in my account. 

I called multiple times for an explanation of what happened but representatives from PayPal kept it very secretive and refused to give me any kind of information whatsoever. 

I believe it's okay that PayPal wants me to part ways with them, they are a private company at the end of a day and I respect that What's not okay is them holding my balance of {$28000.00} hard-earned money. I am from XXXX and I pay my business expenses with that account. 

By holding my money they are ruining my business, my career, therefore, my life. 

As a XXXX XXXX XXXX, I have no power to do anything other than to escalate this case I am 100 % willing to resolve this with PayPal by providing them any kind of additional information that they may need like utility bills, company registration number, tax returns, anything. I wasn't even given a chance to appeal their decision The reason for holding my balance, as they say, is that if somebody that sent me money in the past 180 days were to refund that money, and I withdraw it all then they would lose money In the past 180 days, I received only {$2200.00} so I suggested that they keep at least {$5000.00} for their security, which is double the disputable balance and let me keep the rest since I actively run a business and I need that money, but they refused. 

I tried to solve this in every possible way but they refused it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint regarding  XXXX . It has been well over 30 days and  XXXX  never investigated and did not send me results of the accounts and inaccurate information I disputed on my  XXXX  credit report. I mailed a written dispute to  XXXX  on or about   XXXX    . I disputed several inaccurate, erroneous and unknown accounts reporting on my  XXXX  credit report/file and requested an investigation by  XXXX . The following information and accounts were disputed and investigation requested ; any and all public judgements,  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX ,  XXXX  Mortgage #  XXXX .       It is well settled, per the Fair Credit Reporting Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer.   XXXX   has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information.