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

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX
Product: Mortgage

In 2016 I was applying for a loan in XXXX XXXX Fl I had a very bad experience with XXXX XXXX XXXX He turned me down in the worst way possible like I was a criminal or something. My credit score was a XXXX and I needed to pay off a few credit cards which took me a month so it could show on my next statement. I would stop by periodically just to check on things. The next time he pulled my credit score it was a XXXX and he wanted me at a XXXX. He looked at me and said dont come back Im done with you. Your not going to get there and Im not working with you anymore. I felt crushed discriminated against. Is that some way to talk to a customer? Or was I look at as a customer? I dont think I was a customer but I felt bad like I had done something terrible it wasnt my fault. I just feel like you cant talk to a person like that especially in a professional place like American Liberty.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protection consumers rights to privacy and confidentiality under 15 U.S.C 1681 : 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 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 furnish written instructions.

15 USC 1681 ( C ) ( a ) ( 5 ) section States no customer reporting agency may make any consumer reporting containing any of the following items of information any other advice item of information other than recording recordings of eviction convictions of crimes which the reporting by more than 7 years 15 U.S.C 1681 2 ( a ) ( 1 ) A person shall not furnish any information related to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Money transfers

A buyer started a fraudulent dispute wanting his money back. He was supposed to return the item he purchased for {$2800.00} before PayPal refunded the money. The buyer then returned a cheap {$75.00} item and PayPal returned the {$2800.00} to him. I started a complaint with PayPal and they requested among other things an internet fraud report ( FBI ), photographs of the piece sent and the piece returned, a professional appraisal of the item received and the item sent etc. After I provided all the paperwork requested, I spoke with a PayPal representative and was assured she would look into it. PayPal ignored everything I supplied. I lost the money and my item to the swindler who had to proof nothing and with PayPal 's help got away with this scam. I am concerned he will do this again and again and other people will be scammed out of money with PayPal acting in such a unjustified and unprofessional manner.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/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

1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements.     I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive multiple calls a day from a local XXXX number from my area as well as my wife at XXXX. They spoof a local number when they are located in California. Company is IQ Data, I wanted to work with them and after I set a payment for settlement they went in after and changed the amounts so the payment I had cancelled by bank as its not what was agreed to.
Product: Debt collection

XXXX XXXX XXXX XXXX has sold my previous loan to a debt collector illegally but not only did they do that. They also filed a criminal lawsuit against me. I borrowered and paid a balance of XXXX. They sold the false debt and sued me for XXXX. Ive talked to the police about this situation because a warrant was issued for my arrest because they sued me. Please remove there fraudulent claims from my credit profile. I do not owe any one or them anything. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off :XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, has an account open in my name at an address i necer lived at, this acclutn was open due to fraud, this account needs to be removed off chexsystems, if this account is not removed i wlll turn this account over to the attorney i have hired, XXXX XXXX firm, i am a victim of identity theft and this accout was not open by me, so please remove this account ftom my report, this ftc identity theft report and complaint will be used against family savings credit union, my information was leaked on the dark web by XXXX XXXX and it has caused serious damage to my credit, my information has been compromised and used by scammers please don't force me to sue remove this account immediately, I am now suing XXXX XXXX In XXXX, my information was exposed in 2017 by XXXX XXXX and it has caused identity fraud and I have filed a police report in 2017 because my identity was used to have accounts open in my name and this police report is proof and investigation took place
Product: Credit card

On XXXX XXXX XXXX I had a credit refund balance in my Chase Sapphire Reserve Account of over {$5400.00}. I called Chase Sapphire Reserve on XXXX XXXX XXXX and requested that Chase send me a email with a link to allow me to electronically transfer the credit refund balance to my Chase Personal Checking Account. I specifically told the service representative that I did NOT want to receive a physical check, as it could take up to 7 tp 10 business days to generate a physical check and then an additional period of time to receive the physical check by mail. I was told that this process would be initiated and I should receive the email within 24 to 48 hours. I had not received this email on either XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and called Chase Sapphire Reserve several times to enquire about this. Each time I was told that this process takes time. I was also told that although I had specifically requested that I did not want to receive a physical check for the credit refund balance, there was a possibility that my request could be arbitrarily ignored and that the physical check may be sent automatically despite my specific request not to receive a physical check. I called Chase Sapphire Reserve again on XXXX XXXX XXXX since I still had not received the requested email. I was then told by XXXX supervisors that the electronic transfer of credit balance refunds was handled by a third party intermediary and that Chase Sapphire Reserve could not guarantee that I would be able to electronically transfer the credit balance refund to my Chase Personal Checking Account. This is unacceptable. Chase allows me to electronically transfer funds from my Chase Personal Checking Account to my Chase Sapphire Reserve Account to pay credit card charges but then will not allow the reverse to occur if there is a credit balance refund owed to me. This, in my opinion, is only an excuse to allow Chase to continue using the float on money owed to me until the physical check is delivered and cleared. This is an insult to Chase Sapphire Credit Card users and should be rectified by the CFPB.
Product: Checking or savings account

I closed out my account a few weeks ago roughly around XXXX. And it was a company called thred up that I used to purchase something from and they issued me a {$6.00} refund on XX/XX/XXXX to that closed account. I verified with SouthState about the issue. On XX/XX/XXXX and was told yes the refund is in the closed account. I called again and spoke with a supervisor named XXXX who was rude and unhelpful telling me lies about it was a attempt. Its no money to contact the merchant I stated the merchant only issues refunds.. I have filed a complaint against the merchant as well. It seems like filing a complaint is the only resolution. I just want a check for my {$6.00}. 
I also file a complaint with bbb which was unhelpful. So I'm filing a complaint with the XXXX. 

In addition, I also received a response from the actual company to prove someone is lying and I believe it's SouthState because it's never been a issue with me getting a refund before from thredup. 
she contacted our chat support on this matter, we reviewed the interaction on the chats and the replies back from the user. 

As it was previously advice, the user will need to reach out to her financial institution for them to check further on the funds, since we sent the funds back and process the refund in full back to the Original Form of Payment. 

At this time, it will be need for the user to reach out to her financial institution as the funds have already been released and there is no fail notice from our end, they should be able to get ahold of the funds and get them back to the user bank account and see what will be next steps from their end to have the funds forward to the user. In case the user needs any type of confirmation or reference, she can let us know and we are committed to to provide this, so she can file her claim. 

Hope this provides more insight, Thanks, XXXX XXXX
Product: Credit reporting

Have sent three letters asking to receive and investigate my credit reports, as per FCRA the bureaus must reply and have not after 3 attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

Aidvantage has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX  in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The XXXX.
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions.

15 U.S.C 1681c. Section States : no consumer reporting agency may take any consumer report containing any of the containing items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 
XXXX 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 am a XXXX XXXX  customer from last 2 year and holding cash back credit card with XXXX. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with XXXX. In last few months I applied for few credit card and all got rejected. While checking with XXXX XXXX, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with XXXX at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
Product: Bank account or service

On XX/XX/XXXX, I noticed a " credit account '' attached to my business account at Wells Fargo Bank from XXXX Today for {$6200.00}. This was a surprise since I did not request any such account. I called and communicated via email to Wells Fargo Bank and tried to cancel and each time they tried to convince me to keep it. In addition to that Wells Fargo Bank sent me a credit card for purchase of products from " XXXX '' a company that sells carpeting, even though I did not request for such a card. I finally was able to get Wells Fargo to cancel the credit account on XX/XX/XXXX, but was told that I would be responsible for any charges on the credit account. This is unacceptable. Wells Fargo has not right to play games with my account. This is a clear case of ongoing cross selling by employees that is continuing despite government investigation into Wells Fargo business practices.
Product: Money transfer, virtual currency, or money service

I am writing to address a concerning issue with my Gemini account. On XXXX XXXX XXXX, I transferred BTC ( XXXX ) to my Gemini account as an investment. Shortly after, my account was frozen without any explicit explanation. 

Despite providing all requested personal identification documents promptly, my account remains inaccessible and I have been unable to transfer, send, or sell my crypto holdings. The link provided to withdraw my funds has proven ineffective, leaving me unable to access my investment. 

This lack of access and explanation for the account freeze has led to immense frustration and concern. As a user who has adhered to all policies and procedures, I am dismayed by this situation and perceive it as a substantial hindrance to my financial access.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquires on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have called XXXX about this issue and there has been no resolution. I have no knowledge of these inquiries. 

XXXX XX/XX/XXXX Is also on my equifax report and nothing has been done about this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} Citizens Bank {$2200.00} XXXX XXXX  {$2200.00} XXXX  {$2200.00} XXXX XXXX   {$300.00}
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND CRED ( Original Creditor : 01 XXXX XXXX ) still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.