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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated XXXX XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 tan XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) 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 modity accounts tat isnt XXXX XXXX. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my XXXX  instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

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

My wife and I received 1099s in the mail indicating that numerous transactions were made on XXXX cash app accounts. XXXX under my name and XXXX under my wife 's name. The 1099s were mailed by BLOCk a/k/a SQUARE and referenced CashApp. My wife and I never opened CashApp accounts so we know that these were opened fraudulently with our information. The amount of the transaction under my name was {$1300.00}. the 1099 under my wife 's name had a transaction amount of {$2200.00}. I contacted XXXX and they had me text a picture of both 1099s. They said they would call me back after researching this issue. They called me back a week later and told me I had to contact CashApp to resolve this issue. I can not find a customer service number for CashApp and after reading some comments online it appears that the only way for them to be responsive is if the CFPB reaches out to them to resolve the issue.
Product: Student loan

I am in the process of getting a mortgage. I am currently on the XXXX payment plan which reflects a XXXX dollar payment amount. I submitted the form to Mohela requesting to change payment plans and enroll in the XXXX payment plan so that it will reflect a dollar amount other than XXXX. While it has been received, we are being told that they are not processing any enrollment forms at this time, and there is no timeframe for when they will resume doing so. I need this form processed as soon as possible please.
Product: Credit card or prepaid card

RE : SYNCHRONEY BANK BP VISA Dear Synchrony Bank : I had inquired about my BP visa card being over the limit. I made a payment on the XXXX which is my billing end date and the account was over the limit. I am requesting you update my credit card balance and dispute my account. You must list my account " disputed by consumer '' Failure to do so will constitute a violation of the FCRA. 

My credit score went down 56 points as a result of the interest charges that led my account to go over the credit limit. 

Please contact me at XXXX XXXX Sincerely , XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.
Product: Mortgage

Good afternoon, It has been over 60 days since my mortgage has been paid in full on XX/XX/2022. 

As of today 's date, Wells Fargo still has not provided me a Letter of Satisfaction. 

I'm an honorably retired and permanently XXXX military veteran. Per the Americans with Disabilites Act ( ADA ), I have previously requested Wells Fargo to send correspondence electronically and to continue providing documents via the postal system. 

In the past, I have received electronic correspondence from Wells Fargo that has taken less than 48 hours. 

I'm not sure as to why now that I have paid off the mortgage that it is taking this long to receive via email my Letter of Satisfaction.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX for City Bank ( Costco XXXX ). After getting a denial letter Page 2 Paragraph 2 it says, " If you have any questions, Call at XXXX ... ..., '' I called said # and there was no way to talk to someone about the denial. I was forced to call a total of 4 times to finally get to someone to talk to. 2nd and 3rd call the rep for active accounts just kept sending me to the dead-end phone tree. After speaking with a rep which supposedly can be reached at a different # XXXX I have not had a reason to test to verify. I was told that Citi blanket denies all people with a bankruptcy on their XXXX credit report regardless of time since bankruptcy. He also admitted there is NO underwriter that can override a denial for any extenuating reasons. I believe this should be stated on their application for credit. I would never have applied and now I have a negative ding on my company 's credit score due to this blanket policy. It is to be noted My company has never filed bankruptcy and does not even have a single late payment. I personally had to file bankruptcy 7-8 years ago and since then i have built my credit to perfection with only one late payment in 7 years due to a technicality... I feel as though this is deceptive business practice. What is in it for them for me to apply if they're not even going to accept me anyways??? Now they can sell my information or do whatever they want, and I was NEVER going to get anything from them but a smaller credit score .... This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments on my credit report show as of XX/XX/2020 and XX/XX/ 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and Caliber loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.
Product: Debt collection

Received call from XXXX XXXX at XXXX saying I was suppose to call XXXX. She could n't tell me why and did n't even know the name of the company she was working for. I called the XXXX and it was with a lady named XXXX XXXX saying she was from XXXX XXXX XXXX and said I owed XXXX Financial a debt. I asked her to send me the paperwork and she said she would but I have yet to receive it. I asked her if her company had a website and she said no. I said your company does n't have a website and I thought that was strange. I told her not to call me at work anymore!
Product: Bank account or service

I had been applying for loan online and had been getting call backs from them so when I got a phone call saying that I been approved that all they need to was verify my information so I gave them what they asked my for my online banking and the last XXXX of my SS they told me that frist they had to send money to make sure that my bank account was open and the next day I would have to send it back to them through XXXX so I did as they told me to do and they told me after I did the XXXX that within 45 mins I would have my loan well I wait to the next morning to see if I had got the money when I log on to make account it told me to call my bank and my bank to me that they we closeing my account because it looked like the money the loan people sent me for me to send it back was not there and they were closeing my account and I could no longer ever have banking with them again. The loan company they said they were was XXXX XXXX. When I told my bank this is what happen to me they said sorry but we cant help you. I had my account with chase bank
Product: Mortgage

We purchased a house in XXXX of XX/XX/XXXX and used a reputable realtor and title company. We purchased the house free and clear. In XXXX of this year Chase put our home up for auction and listed it on the XXXX County website. Our mortgage is not with Chase. Our title company researched it and told us it had been removed from auction and that Chase admitted they made a mistake. Two months later we received a letter from an attorney offering help with our foreclosure. We immediately checked the XXXX county website and sure enough our house was listed to go up for auction, again by Chase who does not own the loan on the home. We purchased it from XXXX XXXX with XXXX. He bought it from XXXX XXXX who was deeded the home by XXXX XXXX. XXXX died in XX/XX/XXXX. Chase is trying to foreclose on a loan from XXXX XXXX and/or XXXX XXXX. Our title company ran a check on liens and it was free and clear for us to purchase. Chase needs to fix their mistake and stop harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/2017 ... this account was paid in full including interest for XX/XX/XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and sidley I'm the person being harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/2021 ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting

I was sent a letter from a collection agency who was collecting for the point at XXXX. The amount I felt was out outrageous I entered a complaint with XXXX and equifax to dispute the amount. This was done on XXXX/XXXX/2015. This was initiated by my lawyer at XXXX They then asked for an accounting history to prove the amount due. on XXXX/XXXX/2015 I called for to dispute the amount again tellling equifax that the amount was wrong and that we need to look at the accounting history. When eqifax got back with me I was told by them that the creditor insitsted on the amount and that " They did not have an accounting history available : I then spoke to superviosor XXXX at equifax and told her that according to the law section 611 5 A that they needed to look at the accounting to prove the amount owned todate thiis has not been done it has been over XXXX days. The law states that they have XXXX days to get back with a responce and furnish the information needed to clarify the amount, Another dispute was entered on XXXX/XXXX/2015, The previouse dispute said they did not have the accounting available since it has been XXXX days I am requesting that this be taken off my credit report an investigaton has not been done according to the law, The law states that if an investgation is not done XXXX dollars per item will charged,
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry in question was made without my knowledge or consent, and I believe it is unauthorized.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my paypal account. I am using my paypal account for my online business ( selling e-books ) since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdraw asap for emergency purposes. And i am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification I attached my valid ID. Please see attachments.
Product: Checking or savings account

Received text message by my bank alleging an attempted charge of {$1900.00} that was blocked. When I looked where the text message may have came from it was by a numbered email XXXX that is when I suspected scam and I did not open the link.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. XXXX XXXX XXXX, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX
Product: Debt collection

Original medical debt owed was sent to another mailing address that was incorrect, even though I had to provide ID at the time of the service in XXXX XXXX. Did not know that the debt was due until XXXX XXXX  when it was turned over to medical collections. I asked to be mailed a statement. Never received the statement then attempted 2 more times to request the statement. First time they refused, stating that they sent a statement. I finally convinced a supervisor to email me the statement, which I received in XXXX XXXX On XX/XX/, I called and offered a XXXX XXXX  monthly payment, in which they refused and told me that they could only accept a {$50.00} payment monthly. They were abusive and rude to me, telling me that I just didn't " want '' to make the payment and that I should " just put it on a credit card '', when you can see that I've made efforts to get the information on what is due. They threatened to send this collection to negatively affect my credit and would not accept my payment.
Product: Credit reporting or other personal consumer reports

Complaint Regarding FCRA Violations by Equifax, XXXX, and XXXX Complainant Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : FCRA Violations by Equifax, XXXX, and XXXX for Deletion of Accurate Account Information Details of Complaint : I am filing this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX, and XXXX. These violations stem from the credit reporting agencies ( CRAs ) failing to report my XXXX XXXX secured credit card account accurately and instead deleting it entirely from my credit reports. 
Account History : My XXXX XXXX secured credit card account was opened in XX/XX/XXXX and closed on XX/XX/XXXX. A credit balance refund of {$200.00} was issued on XX/XX/XXXX. 
The account was accurately reported by XXXX XXXX to the CRAs. 
Violation of FCRA Requirements : The CRAs deleted this account from my credit reports instead of reporting it accurately. 
Under 15 U.S.C. 1681e ( b ), CRAs are required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Deleting an accurate account constitutes non-compliance with this obligation. 
This deletion negatively impacts the completeness and accuracy of my credit report, which violates my rights under the FCRA. 
Evidence of Non-Compliance : In a letter dated XX/XX/XXXX, XXXX XXXX confirmed they had reported the account accurately. They also indicated that the responsibility for maintaining and reporting the account lies with the CRAs. 
My credit reports from AnnualCreditReport.com show the last time it was reported. 

Relief Requested : I request the following remedies : A thorough investigation into Equifax, XXXX, and XXXX  failure to report my XXXX XXXX account accurately. 
Reinstatement of the XXXX XXXX account with correct details, including the accurate open and closed dates, on my credit reports. 
Assurance that all CRAs comply with their FCRA obligations in the future to maintain accurate and complete credit reports. 
Any appropriate penalties for willful or negligent violations of the FCRA by the CRAs. 
Supporting Documentation : I have attached the following : A copy of the XX/XX/XXXX, letter from XXXX XXXX confirming they reported my account accurately. 
Credit reports from XXXX XXXX platforms showing the deletion of XXXX XXXX account. 
I trust that you will investigate this matter promptly and take necessary actions to address these violations. If you require additional information, please contact me at the phone number or email provided above. 
Sincerely, CFPB PLEASE VIEW THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers listed. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I contacted Citibank NA regarding a fraudulent inquiry made on my credit report for a Sears Mastercard. I spoke with the Fraud Dept, first I was informed they had no record of my social security number on file. I was asked to forward a copy of my credit report which showed the inquiry in question. I followed-up with a letter and again was asked to complete a form with my personal information because they were unable to locate my information. After returning this document, I received a letter the inquiry would be removed from my credit report within thirty ( 30 ) days. 

After reviewing my credit report and noticing the inquiry was not removed, I immediately contacted this company again. I spoke with numerous representatives because again they were unable to locate an inquiry with my personal information provided. I finally was forwarded to a representative who allegedly was able to locate my information. I was told, he spoke with his supervisor and another request was forwarded to XXXX  to have this inquiry removed. I followed-up with a letter regarding this conversation. I received the same letter stating the inquiry would be removed ... with a different date. 

As of this complaint, I have received five ( 5 ) letters from this company stating the inquiry would be removed. And this inquiry remains on my credit report. I have documented all communication with this company as well as maintained copies of all correspondences to resolve this issue.