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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, XXXX XXXX XXXX XXXX. 

Please find attached a Paid Loan Letter from XXXX XXXX XXXX XXXX, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. 

Account Details for Reference : - Original Creditor : Snap Finance - Collection Agency : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly.

I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is in regard to PayPal. I received an email from PayPal informing me that a new phone number was added to my account. This was XX/XX/XXXX or XX/XX/XXXX XXXX. I didnt add a phone number to my account. I contacted PayPal on the phone as I was unable to remove that phone number. In addition, there were 2 charges on my account I didnt authorize. One for {$50.00} and one for {$25.00}. They are apparently pending charges to my connected checking account. In addition 2 PayPal Mastercards were listed on my account that I didnt authorize. One for {$100.00} and one for {$200.00}. I provided PayPal customer service with the credit card numbers, expiration dates and CVV codes and the rest of the information above. They indicated they would file a case on this and I received an email with a case # and it referenced the phone number problem and nothing else. I eventually removed the phone number myself. Im not permitted to close this PayPal account by PayPal and customer service isnt permitted by PayPal to close my PayPal account for the reasons that there are pending charges to my checking account and 2 open credit cards with associated loans. These cards are fraudulent and the 2 pending charges to my checking account are fraudulent. They referred me to their credit department to inform the credit department that I didnt authorize those cards and they are fraudulent. I cant access that system as my ID info is not the ID info of the person who obtained those cards. In addition, PayPal will not permit me to eliminate my checking account from my PayPal account as there are pending charges to it. I filed an official complaint on the PayPal account on XX/XX/XXXX and they havent responded.
Product: Mortgage

From XX/XX/XXXX XXXX XXXX I have over paid pmi which I want that period money back! 
According to Federal law. A lender must automatically cancel private mortgage insurance when the loan to value ratio reaches 78 % meaning the loan balance is at 78 % of the original home value as long as the borrower is current on their payments. This is considered the mandate for automatic pmi cancellation! And in XX/XX/XXXX my loan is meet the requirements by the lender never cancel it and make me been over charged even when they sold my loan for 1yr and 4month!
Product: Money transfer, virtual currency, or money service

My account has been disabled on binance.us with zero messages for why this happened. I realized there may have been a chargeback issue with a bank deposit, but since then I have resolved the chargeback and have a positive balance of us dollars in my account. I have opened up a few tickets with the customer service and no response or my cases were closed without resolution.
Product: Checking or savings account

On XX/XX/2023 I was scammed where {$1000.00} was taken out of my account in cash app and this was unauthorized. I filed a police report & tried disputing with Chime but they keep saying no error occurred & this is false an error did occur and I did not authorize a {$1000.00} transaction on my card for anything or anyone. I have tried to dispute this twice with chime and they will not come to a resolution with me and this is unacceptable.
Product: Checking or savings account

On Tuesday XX/XX/XXXX I applied for a loan. The loan company need my bank account information to deposit the money. The loan company was a scam and deposited money through stolen checks. My account was frozen on the early morning of Wednesday. I reached out to Truist bank to see what was going to happen. The fraud department told me that I could not use the account until an investigation was done. I asked if my account would still receive direct deposit. The fraud department told me know, the account could not receive the funds. On Friday XX/XX/XXXX, the direct deposit went through and my paycheck was deposited into the frozen account. I went the following morning to my local branch to try and pull out the money. The branch supervisor told me they could not. She then reached out to the fraud department told see if the freeze could be lifted and my funds taken out. The XXXX department declined and said to wait until Tuesday XX/XX/XXXX when the investigation was completed. I called and the fraud department told me the investigation was still not completed and to wait until the following day to receive an email on what would happen to my funds. I have an external account that they declined to send the money to and was told the funds might be sent through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SLS Servicing incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written SLS many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to SLS showing this as late. This has caused severe hardships and prevented me from buying a home.

I have attached the formal dispute letter which was sent to SLS.
Product: Credit reporting or other personal consumer reports

I tendered a full payment to this company on XX/XX/. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. I am ask

ing for two things. 1. Verify that account exists and a debt is owed. 2. Verify that payment was received.
Product: Debt collection

The debt is with me, XXXX XXXX, not with my ex wife. If Dean Morris, L.L.C. need to talk to me or send me a letter, it's with me. Only me. Keep my ex wife, XXXX XXXX, out of my business. Don't call her or contact her in any way. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranusnion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Product: Credit reporting

When I had attempted to, tried to dispute or complain about : inaccurate info on my report! Equifax had literally shut that down, even before it got started! This had taken place, in XXXX of this year! It also would be fair ; to state, and conclude for the record! That Equifax are also involved in, this conspiracy plots : to destroy me, and or demise my health overall! Went as far as, to try to get me, caught up in : their so called free trial credit monitoring scheme! However, once after witnessing, and experience it was a hoax, and gotcha moment! Trust me, I had to hurry up, and unsubscribe or terminate my membership altogether! Never looked back neither! So some of this backlash, and their retaliatory measures are ; from that incident, and my complaint against XXXX XXXX! With all these all out attacks, against me personally, and much damage control to my credit history overall! How in the XXXX, can I get passed that CFPB??? Make no mistake about this, that, or the other! There 's entirely too much of the following : personal grudges, hang ups, animosity, hatred, envy, strife, malice, division, fault finding, grievance, finger pointing, mistreatment, bias, lies, hypocrisy, heretic, bigotry, deception, attacks, defamation of character, misconception, warfare, blackmail, opposition, threats, close encounters, massive damage control, and there 's definitely too many attempts ; to kill or demise my health overall! Sad point about it all! All three government credit bureaus or agencies are a part of this! What the XXXX is Really going on Here CFPB????
Product: Credit card

CITIBANK XXXX Mastercard : My terms and conditions indicate that if my balance is paid prior to the end of my billing cycle that no interest on purchases will occur. Interest is only charged on any remaining balance left at the end of the billing cycle. For My Citibank Mastercard I paid my balance in full before the end of my billing cycle on XXXX XXXX 2016 but then was charged interest of XXXX which I was unaware of. The balance then remain unpaid at the next billing cycle and I was issued a late fee. I have a transcript of the conversation I had with Citibank Customer Service and they indicate theat I am correct about this but then back track and try to convince me that interest is due.
Product: Credit card or prepaid card

PayPal prepaid card was compromised and I was supposed to get a refund check for XXXX which I never received and PayPal has refused to re-issue the funds which they must also I have trying to reach out to them to resolve it but they haven't returned my letters or rebuttals to them have not been made I just was my money owed to me PayPal prepaid card is still responsible for my funds and all damages via agreement of service
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT 2 LETTERS TO EQUIFAX ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF XXXX  , XXXX.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.XXXX ARE REPORTING DUPLICATE ACCOUNTS WITH EQUIFAX AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX : XXXX  XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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, credit repair services, or other personal consumer reports

Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties.

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Transunion and XXXX credit bureaus months ago and I have signed proof that they did receive the letters and I received no response from Transunion. In my letters to Transunion and XXXX, I submitted direct proof from credit reports of inaccurate information from all three bureaus which had wrong dates, inaccuracies with payment history and other violations. For e.g., 120 days late reported 30 days after an on-time payment was made, accounts closed from years ago still reporting a charge off every single month to this date and showing different account reporting dates from the three credit bureaus as well as collections that I have no knowledge of. For these collections accounts i would like documentation from the collection companies that reported these collections with my signatures, signed contracts that prove that these collections are indeed mine mailed to my address if none can be provided I want all collection accounts deleted. XXXX  have since deleted all inaccurate and closed accounts and collections and I am pleased with their investigation. I have made requests to have these same items DELETED from my credit file with Transunion and XXXX and its been well over 90 days and no investigation or follow up have been done from either of them. I am requesting that all closed accounts and unverifiable collections that can not be proved with documentation be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I request that TransUnion provide the documentation used to verify the following inaccurate items as accurate : XXXX  XXXX XXXX, XXXX, XXXX, and both XXXX  XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX  ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX ( # XXXX ) {$320.00}, XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX ( # XXXX ) {$470.00}, XXXX XXXX XXXX ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Product: Checking or savings account

I opened a checking account online with Bank of America on XX/XX/XXXX. In the online application I used a Promo Code for a {$250.00} new account Bonus. The requirements to receive the Bonus were to receive at least two qualifying direct deposits of at least {$250.00}. My account number is XXXX. In XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively, I received two qualifying payroll direct deposits of {$250.00}. Upon meeting their requirements to earn the {$250.00} Bonus, I called Bank of America multiple times. Each time I received a different timeframe and conflicting information. I never got anyone who would investigate and tell me what was going on and when I could expect the Bonus. Each representative would pass the buck and tell me I had to talk to someone else. I was transferred again and again and eventually the place I was transferred to would be closed and I would n't be able to talk to who, according to other bank agents, I needed to talk to. The longest timeframe I received was sixty ( 60 ) business days but this came and went and I still had n't received the {$250.00} new account Bonus. I qualified and was accepted upon using their Incentive code upon opening the checking account with BoA. Now they have dinged me with multiple monthly service fees and are in the process of charging off my account.
Product: Debt collection

Discover has been garnishing my paychecks illegally. I have a judgement that I never got serve papers for. I have contact them multiple times and they haven't done anything to settle this issues. I have encloses proof of them violating 15 USC 1692 laws.
Product: Credit card or prepaid card

i went to use my amazon XXXX  credit card thru chase and it went to the amazon XXXX  card instead ; i then called chase finding my balance to be {$8400.00}, my credit line is XXXX XXXX.at no time did they text, call, or e mail me to determine if these charges were authorized by me as discover and XXXX XXXX had, after their investigation they concluded the charges were made by me even though i received no product, or confirming e mail or signed for anything i reported this to yhe police, the internet crimes division etc the charges were billed in XXXX and i now find i must employ a attorney to resolve this
Product: Payday loan, title loan, personal loan, or advance loan

I ordered a pair of jeans from XXXX, returned the next day with a tracking number. The seller received the jeans back on XXXX signed by XXXX. Meanwhile XXXX stated they couldnt return the full amount due to a chargeback on the loan. So now its in dispute showing a late payment but they wont allow me to even make a payment while in a dispute. None of this makes sense to me. It seems like they would want me to make a payment, and now they probably are reporting this to the credit bureau. These were expensive jeans and I expected to be returned what I paid-shipping or whatever they charged
Product: Credit reporting or other personal consumer reports

Account Name : CAPITAL ONE # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX, has violated my rights. 


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.In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX Accounting # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 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.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I tried to pull {$800.00} cash out of an ATM but the transaction was denied and the ATM told me it was unable to dispense cash. I originally did put in a claim stating it was fraud as I had received a notification of a fraud notification from the app but the claim was later denied. I learned later that I should have put it in as a missing ATM withdrawal but I would like it to be easier to actually assert these claims as I am now missing this money and would really appreciate it back.