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

On XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " XXXX XXXX XXXX. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is reporting to Experian and XXXX XXXX erroneous information they have submitted XXXX different versions of late payment now it shows charges off since XX/XX/2017 this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XXXX I want this removed from my report
Product: Credit reporting 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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian on XX/XX/2022 my home mortgage increased by {$4300.00}. My mortgage balance was {$330000.00}. I have called XXXX XXXX  XXXX to find out why they are reporting this increase to Experian. They tell me they are not reporting this increase in my mortgage as there is no increase for my mortgage. Experian tells me they are getting this information from XXXX XXXX XXXX. Now I am caught in the middle of this, as it reduces my credit score showing an increase of balances on my credit file with Experian, XXXX and XXXX. To this day, no one is able to fix this for me. It is false information and it is holding me up from achieving a refinance for my home mortgage. What resources do I have to get this false reporting fixed?
Product: Debt collection

I have previously communicated my objections regarding this account, yet Midland Credit Management has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages.

Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands.

Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

Equifax and XXXX FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

Equifax and XXXX FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

Equifax and XXXX have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.
Product: Credit card or prepaid card

I'm receiving unemployment benefits in DC. I recently opened a new checking account, so removed my old banking information in my DOES account. I received a paper check for the week I removed my direct deposit information and, apparently, the following week 's claim was loaded onto a prepaid debit card issued by XXXX/US Bank. I wasn't aware that I would be receiving a debit card in the mail, until I received a notice last Friday, XX/XX/XXXX ( typically funds were direct deposited into by bank account every Wednesday and the live check was delivered on a Friday ). Clearly, I was expecting the funds on XX/XX/XXXX but hoped the debit card would come in the mail the following day. When the card didnt arrive Saturday, I called DOES Monday. After being transferred to XXXX/US Bank, the customer service rep apologized and said if the card didn't arrive with the mail that afternoon, they could overnight a new card. The card did not arrive a Monday, so today ( Tuesday ) I called back to request a new card. I had to speak with several people ( five total ), all giving me different/contradictory information. I was told the original debit card was requested on XX/XX/XXXX and should have been delivered by today ( XX/XX/XXXX ). I was also told that tomorrow, XX/XX/XXXX, would be the 10th business day since the card was processed so it could arrive tomorrow. Someone else told me the window was actually 5-7 business days. Then I asked about overnighting a new card. I was told that would cost ME {$25.00} ... ..I shouldnt have to pay for a new card that seemingly was incorrectly processed. Then the next person I spoke to, told me my address was wrong in their system ( I had to verify my address with each person I spoke with and none of those agents flagged my address as incorrect ). I was confused as to how my address could even be wrong, since it is correct in the DC DOES system ... ..then that agent decided to deactivate my card, so even if it does arrive with the mail I wouldnt be able to use it. Then the next person I spoke to told me that my address wouldnt be updated until XX/XX/XXXX and, at that time, I could request a new card ... ..She said I could send a fax to verify my new address to expedite the process but I believe this is an unfair tactic as I shouldn't have to verify an address that they had wrong in their system. I have been without my unemployment benefits for days at this point, and it's unclear when I will be sent a new card ... ..this is absolutely ridiculous and I access to my money now ( or within a reasonable amount of time. NOT in seven days plus 5-7 days for shipping ).
Product: Money transfer, virtual currency, or money service

PayPal says I am responsible for two fraudulent charges on my PayPal account these charges were done at the same time through my PayPal account by means of autofill that attached to my bank. One transaction was for {$100.00} the other was for {$60.00}. Because I had my bank linked to the card and PayPal account when the transactions were sent to the merchant my bank account was charged {$110.00} and {$60.00} to credit my PayPal account with enough money for the people that made these fraudulent transactions to make them. I have given PayPal ample time and as much cooperation as possible to show them that I did not make these purchases I have not received any goods or services from the companies that PayPal things I authorized payments too I also did not authorize the bank transfer as that was a automatic system in place for me to use I had no idea my account was compromised I did not know that I was hacked but from the evidence I have provided I did everything in my power to try to stop this transaction from going through and I was still ruled against and now I am liable to pay back the provincial credit they gave me until the case was solved. I say the case was never solved and was not looked into good enough if my PayPal account was compromised it was not my doing as my phone is protected through malware and antivirus software and I used two identification factors including and not limited to my biometric fingerprints. As I did not make these purchases authorize them or receive anything from the merchants that the payments were given to it is obvious that my account was hacked and that these charges were fraudulent. PayPal made a hasty ruling band this isn't fair or an ethical business practice to charge someone for something they did not even do. I also escalated a dispute with my XXXX XXXX XXXX account to tell them I did not authorize the two transfers to PayPal one in the amount of {$110.00} the other in the amount of {$60.00} dollars I do not want my bank account to be affected by this unreasonable and unfair ruling against me. This is all PayPal 's fault and they are the ones liable and should be held responsible for their failure to investigate and properly serve Justice were justices do.
Product: Checking or savings account

I cashed a check at XXXX XXXX XXXX  I was asked by the cashier after a long wait after she made a lot of calls to open a Ace Flair account to help her out to get her a commission. After the long wait I didn't even want to cash the check because I thought I might be able to cash it elsewhere for a cheaper price. After a guilt trip for making her jump through hoops to cash it I finally agreed to just be done with. I put XXXX dollars on the card at ACE when I made the account. I was told to hit next on a little screen I couldn't read and just did and signed. Got my cash and left. After a few days I activated my card and tried to use it at the store for a purchase of something around XXXX to use it up and close the account. It was denied and I checked and saw there was a fee to open the account so I actually had around XXXX dollars on it. I said XXXX this so I just decided a few weeks later to just close the account and take the loss. When I tried to close it I saw it was negative XXXX dollars and some change because of another fee. I put in the request to close anyways and forgot about it. Today, XX/XX/XXXX I get an email saying there is a problem with my account and to call customer service. I can't even log into my account anymore and I assume they are going to try to get more money from me to close the account. I don't know what to do. Any help would be appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to XXXX XXXX XXXX XXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Sun Loan # XXXX -I have disputed this account multiple times and it continues to be removed then XXXX months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. Sun Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit XXXX  months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation : and I filed with TransUnion a dispute for investigation for a fraudulent collection. 

Dispute Results Report Created On : XX/XX/2022 File Identification Number : XXXX Report disputed on XX/XX/2022 Name XXXX XXXX ACCOUNT NUMBER XXXX This was my investigation results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Closed. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The account still shows open it also shows XXXX missed payments since the opening of this account but that cant be accurate if my account is in collections according to my credit report. Investigation did not give me complete information requested per dispute.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan through Cash App for {$200.00}, when I wanted to use this $ $ from the loan I was not able to, they did ask me to make payments on loan even though I was not able to use money. I asked to cancel loan and they told me it was irreversible. I cancelled my Cashapp account and will not be making any payments toward $ $ I was never able to use. 

Thank you
Product: Credit reporting or other personal consumer reports

LVNV funding continues to report to the credit bureaus a collection on my credit report. LVNV funding IS NOT authorized to conduct business in the state of Delaware. On XXXX  LVNV funding lost its ability to collect debts in the state of Delaware. I am requesting that this account be deleted due to them not having the legal right to collect in my state. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, This complaint is regarding Early Warning Systems out of Arizona. 
I am completely devastated by this company, EWS, or XXXX, who has ruined my life to this day because every checking account I open gets shut down due to inaccurate information on my consumer credit report. 
I went into XXXX XXXX, XX/XX/XXXX after relocating to XXXX XXXX from XXXX, California to pay an outstanding fee on my checking account which I had had since XXXX. 
It was XXXX. 
The bank had just closed my account that morning. I tried to pay the XXXX and they said I couldn't pay it there and that it was in collections. I asked what collections it was in. 
They didn't know. 
I still don't know and no one at the bank seems to know. 
Meanwhile that triggered off Early Warning Systems a company in Arizona. 
My XXXX XXXX XXXX accounts were all closed because of this XXXX fee that I am not allowed to pay to the bank because it's in collections somewhere!! ; I don't think this is fair and it's causing extreme undo XXXX XXXX. Example : I had just deposited XXXX cash at my XXXX XXXX XXXX  ATM and when doing so on XX/XX/XXXX it kept my cash and froze my accounts. I have had NO MONEY to live on for almost XXXX days now while they wait to send me a check for the monies that were in my account. 
I need help. This is so unfair to leave someone with no money at all for days and days. 
This is an emergency. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number 585-975 clearly violate this provision.

Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX stating that process service dispatch was going to put a lien on my house if my unpaid debt from XXXX was not paid. I responded that I dont remember taking a loan out at that time but that if I have old debt, I would pay it. They assigned case # XXXX. 
They sent me an email from XXXX asking me to sign a mediation agreement. The letter in the attachment was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ph : XXXX I could not find this company on the internet. 
The letter stated that the debt was {$4300.00} and they want {$2700.00} to settle. Navy Federal Credit Union was the debtor. 
XXXX XXXX, Senior Mediation Specialist signed the letter. 
I attempted to call the bank to see if this amount was owed. I attempted to call XXXX back to ask questions about the debt, and they transferred me to a woman that said do you think we work out of a garage? Good luck in court. I attempted to call XXXX XXXX back and received voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...