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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Product: Money transfer, virtual currency, or money service

Cash App has froze my account with {$250.00} for 2 months. I received another {$250.00} payment so now there is {$500.00} on Cash app that they will not allow me to access. On XX/XX/XXXX I submitted a request to verify my account so that I can withdraw and deposit bitcoin. XXXX with Cash App support instructed me to upload a selfie of me holding my license and photos of the front and back of my license to a website which she provided the link to. Upon doing so, I was notified that the verification was not accepted. I then contact cash app support on XX/XX/XXXX for assistance. They responded on XX/XX/XXXX indicating that the account was verified in XXXX of XXXX by XXXX and that they have frozen the account until they complete verification. I responded on XX/XX/XXXX requesting the requirements for verification and since then there has been no indication of what is required to unfreeze my account. I have replied to the emails they have sent. I have created new inquiries via the actual cash app. I have sent direct messages via XXXX to cash app support. And I did receive a response from them indicating that someone has my case and will be contacting me and still nothing. I received a payment of {$250.00} on XX/XX/XXXX and have been unable to cash out or use the funds as my account is frozen. I received another payment for {$250.00} on XX/XX/XXXX. Now there is {$500.00} in my account that I can not use. This is the worst customer experience I have ever had in my life. I have cried over and over as this is money that I need to survive. I have had late fees aasessed and all types of financial inconveniences steming from this issue. I explained to them that my cash app account is on my girlfriend 's phone because she manages my household 's finances. She is able to use the cash app as she so chooses as do I. The account itself was not verified by XXXX in XXXX they are simply associating my account with her number which should not be the case. If you are able to open several accounts they should let you know that it will be linked to the initial account that was setup on that phone number. Even if that is the case the verification is for XXXX not for XXXX and I have provided exactly what they asked for. The bank account linked is to XXXX not XXXX the only thing linking anything is merely her phone number. There is no reason to freeze an account based on the same phone number if the name on the account, the name on the bank account, and the verification all line up. This has been an unbelievably frustrating issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I deputed with Equifax that the information on my credit report was wrong, and they need to correct the information with XXXX XXXX. By contacting them and validate the information. They did not do that!! They reported back the next day on XX/XX/XXXX that information verified and correct. They are reporting on my credit that the balance was correct. 

My wife and I billing cycle date is on the XXXX of each month and the credit card was paid off before that date. If you look at the billing statement it shows a balance due of {$1.00}. Equifax is reporting a balance of {$210.00} which is completely wrong.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO ALL COMPANIES ASKED FOR A LETTER OF DELETE BECAUSE OF FRAUD AND DO TO THE FCRA LAWS THAT IT BE REMOVED AND HAVENT IM VERY CONCERN AND NEED THESE ITEMS REMOVED DO TO FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR A PERSONS CREDIT REPORT IS ( XXXX ) XXXX XXXX OFFER OF CREDIT ( XXXX ) INSURANCE, ( XXXX ) AN APPLICATION FOR EMPLOYMENT, OR ( XXXX ) A COURT ORDER. THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES AS I HAVE REITERATED FROM THE FCRA. I ASK THAT THESE INQUIRIES BE REMOVED ASAP. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM ASKING THAT THESE INQUIRIES BE REMOVED ASAP DO TO FRAUD
Product: Debt collection

I paid a debt for XXXX on XX/XX/year> through XXXX XXXX, another debt collector. I asked XXXX XXXX XXXX to take it off my credit saying it was paid. They wrote a note in my TransUnion account that the account was taken care of and that it was paid for. I've disputed it 4 times with TransUnion and they haven't bothered to take it off yet. Please help me. I have proof from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, inquires 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 an account without my written intrusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX  - account number ****XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

Received numerous collection letters regarding multiple accounts they allege i owe debt is owed to, have asked for verification to identify the debt, debt verification when produced has not matched known medical records or insurance records i have on file. Asked to have debts removed, debts have remained on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to Law FRCA SECTION 605b, it is illegal to report information on my credit report without my permission. I noticed financial institutions disclosed my non-public personal information to multiple non-affiliated third parties and I was never provided with any notices to give any consent to those said parties stated within the law 15 USC 6802. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

never applied with this company. they say they have an application from me but this has to be fraud because i never put one in.

Discover Bank Inquiry from XX/XX/2016
Product: Debt collection

I am unaware of this alleged debt that was placed on my consumer report ( Collection services ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) if credit collection believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. l want this alleged debt removed from all my consumer reports effective Immediately. This is really disheartening to know that collection services can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) | have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following. validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. license and documentation proving your authority to collect this debt from me. Additionally, I request my written consent for collection services.. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft, and these violations are Aggravated Identity theft, pursuant to 18 USC 1028 b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 5 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below : Permissible purpose { {$1000.00} } Defamation of character { {$1000.00} } Damaged reputation { {$1000.00} } XXXX. Damaged credit worthiness { {$1000.00} } XXXX. Damaged mode of living { {$1000.00} } XXXX. Infringed on right to privacy { {$1000.00} } Cease and desist the reporting of this erroneous and deceptive information in my consumer report. Delete this account from my consumer report and all your systems.
Product: Student loan

On XX/XX/year>, I scheduled a payment of {$1400.00} for my unsubsidized loan through MOHELA, intended for XX/XX/year>. MOHELA withdrew the funds on XX/XX/year>, but the payment has not been reflected on my account. Despite contacting MOHELA multiple times and providing the requested information, the issue remains unresolved after more than 65 days. This is the second time I have experienced such a problem with MOHELA. 

XX/XX/year> : Payment of {$1400.00} scheduled for XX/XX/year>. 
XX/XX/year> : Payment withdrawn from my bank account but not reflected on my MOHELA account. 
XX/XX/year>- XXXX : Contacted MOHELA XXXX times to resolve the issue ( latest contact : XX/XX/year> ). Each time, MOHELA requested additional information, which I provided promptly, but the issue persists. 

This has caused significant inconvenience, including the risk of additional interest accrual or penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an agreement with Lending USA to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told Lending usa could not help me. I was told by the collection agency that they would report it as paid to Lending USA and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Chex Systems a letter asking them to investigate inaccurate accounts reporting on my file. Unfortunately, Chex Systems did not properly investigate the inaccuracies which violates the FCRA section 623 ( a ) ( 1 ) ( C ). In return, Chex Systems verified the accounts without providing proof of verification which violates FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax investigated a fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Previous Complaint ID : XXXX The information being reported is not in congruent with what the other credit beaureus are reporting. This is a direct violation under 15 U.S. Code 1679c. It is over the XXXX day mark and there has been no proper investigation completed or non othe requested documents have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Ive had my mortgage for over XXXX years. Ive never had a 30 day late payment with XXXX, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to XXXX XXXX  along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to XXXX XXXX  for an escalation solution to no avail. Ive been in contact with XXXX XXXX  in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a XXXX XXXX XXXX XXXX and Im at risk of losing my entire business over this matter. I lost XXXX points on my credit score and without the proper credit score Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX United States Lender XXXX  ID : XXXX
Product: Debt collection

XX/XX/2020 Consumer Adjustment Co {$1300.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid off two accounts that had never been late. As a result, Equifax decreased my credit score by 62 points while XXXX  and XXXX  only decreased by 6 points. This negative impact by being a good consumer made it difficult for me to get a good interest rate on a major purchase for my business. It is difficult to understand as a consumer why there is such a huge disparity in the adjustments. If the ideology is for consumers to maintain good credit and pay off your debt, why are you negatively impacted by doing so? For four years all payments were on time and subsequently the loan was paid off. However, we do not want you to be able to obtain new credit, a home, or other financial strength so we are going to negatively impact your score as a result! How does this make sense to consumers? It seems as if the real ideology is for Americans to stay in debt always keeping an account open. I think credit bureaus should be better monitored and reporting standards should be the same across all 3 bureaus. This is unfair and poorly regulated.
Product: Debt collection

No negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing non public personal information i.e.Late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XX/XX/XXXXPlease delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a dispute with Capital One Bank about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( XXXX  ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( Capital One ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( XXXX  ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.