23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

It started by an email displaying PayPal 's legitimate website and there was an attempt from an unknown source trying to withdraw XXXX in bio coins from my account invoice # XXXX. They applied me with Paypal 's toll free phone number XXXX, that's why I responded. Once I called, an agent by the name of XXXX who had an XXXX XXXX  answered and told me that he was going to walk me through to have this charge reverse. He had me go to this website XXXX because the other ones he gave me wasn't working. Once I downloaded the website he said that he had access to my account, this appeared to be a sharing process, and had me type this email XXXX and to send $ XXXX to it. This is the transaction number XXXX, A name of XXXX XXXX appeared and the transaction went through not knowing he was leading me to the XXXX. I felt uneasy once it was over. What made me suspicious is when the toll free number had a message saying you have XXXX more seconds for this call to end. He also said in the conversation that if we were disconnected he would call me from his personal phone, XXXX which he did. He also gave me an IP computer number and a service code XXXX to gain access to my device. This is most definitely fraud from within this organization that scammers have access to customers information. 

As an American born and bread citizen, I feel vulnerable and violated and concluded that PayPal has too many thieves amongst them and will no longer use their services if I want to protect my personal identity which I have every right to.
Product: Consumer Loan

I became permanently XXXX XX/XX/XXXX. I am XXXX % service connected veteran and also on XXXX, I was forced in to bankruptcy. During the bankruptcy I signed an affirmation agreement on my XX/XX/XXXX XXXX and paid the balance in full. USAA has the credit report showing a charge off after a XXXX day late XX/XX/XXXX. First off a financial institution does not charge off anything for XXXX days, a XXXX day late is not a charge off. The payment was not even XXXX days late, due to the bankruptcy and reaffirmation agreement there was a mix up with the bank I believe. This loan was paid in full prior to payoff date even.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response. 


15 U.S.C. 1681 section 602 A states I have a right to privacy. 

15 U.S.C 1681 604 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Vehicle was purchased in XXXX {$6000.00} down 36 months of payments of {$560.00} grand total approx {$28000.00} After the 36 months I called the bank and asked for the lien release. One week later I received a new payment book with 42 additional payments at {$560.00} for an additional {$23000.00}. which would make this used XXXX XXXX XXXX  with XXXX miles {$52000.00} in XXXX. Community Bank stated to my attorney something definitely wrong XXXX used truck no way is {$52000.00} XXXX XXXX XXXX definitely messed up on the loan. The XXXX XXXX sheriff 's deputies to my truck during the covid pandemic when our mayor made the cares act law. Community Bank valued the truck at {$17000.00} which they had posted a bond for double the value. So my question is how does a vehicle depreciate {$35000.00} in 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that TWO FRAUDULENT INQUIRIES that had been made on XX/XX/XXXX and XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiries and asked them to remove their credit inquiries from my credit profile. According to XXXX  XXXX XXXX, they can not see the inquiries and so they can not remove something that isnt there. In addition to this, XXXX XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiries were ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiries on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although an inquiry is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiries were FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that these inquiries were not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Will not let me speak to live agent ; software not working
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : Dispute and Cease Unauthorized Use of Personal Spiritual Beliefs Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of extreme importance and urgency regarding the unauthorized use of my personal information for financial gain. It has come to my attention that you have been utilizing my personal information, particularly my spiritual beliefs, without my consent and in a manner that has resulted in monetary gain for you or your organization. 

First and foremost, I would like to clarify that my spiritual beliefs and the state of my soul are deeply personal and private matters. As such, any usage or dissemination of these aspects of my identity requires explicit permission from me. I would like to emphasize that I have never granted you or anyone associated with you the right to use my spiritual beliefs for any purpose, let alone profiting from them. 

According to the information at my disposal, it appears that you have been using my spiritual beliefs in a commercial and monetary context. Such unauthorized exploitation is not only ethically objectionable but also legally prohibited. I am hereby notifying you that your actions are in direct violation of my rights as an individual and are subject to severe penalties under applicable laws. 

As the unauthorized use of my personal information carries significant consequences, I demand that you immediately cease and desist from using my spiritual beliefs, or any other personal information, without my explicit consent. Furthermore, you are required to provide a written statement within seven ( 7 ) days from the date of receipt of this letter confirming that you have complied with my demand and ceased all unauthorized usage of my personal information.

I wish to remind you that unauthorized use of personal information is a breach of privacy and may cause significant harm to me, including financial, emotional, and reputational damage. Should you fail to comply with this demand, I will have no choice but to take legal action against you to seek compensation for the damages incurred. Please be aware that the misuse of personal information can result in significant financial penalties, including a fine of {$250000.00} for each instance of unauthorized use.

Considering the seriousness of this matter, I trust that you will give due consideration to my concerns and take immediate action to rectify the situation. Kindly provide a written response within fourteen ( 14 ) days from the date of this letter, confirming that you have ceased the unauthorized use of my personal information and will refrain from any further misconduct.

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Should you require any additional information or have any further questions, please do not hesitate to contact me using the information provided above.
Product: Credit card or prepaid card

I'm only XXXX years old and I've never applied for a credit card. I figured that it's time to start building my credit so I applied to the Discover it secured credit card on XX/XX/XXXX. When I got the I got the letter in the mail a week later, it stated that I wasn't approved with a credit score of XXXX. I've never had, nor used credit card before, so I was worried. I didn't know who to talk to as far as this issue until my mom and dad told me, which is why I'm filling out this complaint a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$390.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXXBankruptcy XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXXXXXX
Product: Mortgage

I have not been notified and I found out by accident that my mortgage has been sold to Shell Point, I told them I already had a modification agreement with my previous company but they have refused to recognize it. They sent a very strange person to my door last night and she walked onto my property and took close-up photos of my door and my house,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a XXXX XXXX XXXX here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from XXXX XXXX XXXX XXXX notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and XXXX XXXX XXXX is fully aware because birthday discount sent. When I contacted XXXX XXXX XXXX customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at XXXX XXXX XXXX. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide XXXX XXXX XXXX information. Considering overwhelming fraud at every turn, I asked why no one at XXXX XXXX XXXX had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because XXXX XXXX XXXX never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding my use of Cash App. I have encountered issues related to [ briefly describe the issue, e.g., unauthorized transactions, payment delays, customer service, etc. that have caused significant frustration and inconvenience. 
Given the ongoing legal matters involving Cash App, I am seeking clarification on how my case will be handled and would like to know what steps I need to take moving forward. I would also appreciate guidance on how to participate in any related settlement process.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : # XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to log into my account and re-link a bank with the company Catch Financial. I reached out to them to reconnect my bank and afterward it worked. 

Soon I attempted a withdrawal request and the bank is denying me the ability to withdraw funds from my account. I have reached out to them on XX/XX/XXXX and XXXX about this issue but they keep saying they are waiting to hear back from their partners, most likely the bank they contract with XXXX. 

They are not in any rush or seem concerned about me obtaining my funds.
Product: Credit card or prepaid card

I am an authorized user on the account for over 15 years and I did my and you checking account from XXXX XXXX XXXXXXXX. I process the payment in full just like American Express money and it said it with the account on hold for seven days and stopped all my charging privileges suspended my account. Ive already filled out the verification for multiple times and provided and support regarding this. I spoke with both XXXX and XXXX who were Extremely rude and XXXX use the wrong pronouns to describe me it was extremely upsetting! I went ahead and XXXX processor verification form and they continue to like the entire process, this has been genuinely upsetting. If American Express does not want to get paid them please let me know and I will no longer process any payments and do business with you again. Also because I promised a payment in full you guys ended up taking the money out of my checking account and refused to process it towards my spending power, if you guys dont want to get paid then please just refund me my money instead thank you. XXXX was also very condescending
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or Experian. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.
Product: Credit card or prepaid card

XX/XX/22 XXXX transfer posted for XXXX. 
Called the company the payment was supposed to go tothey received nothing. I called Discover and realized it was sent to the wrong account. They filed a dispute. 

I resubmitted the balance transfer, triple checking that all information is correct. I called the company that was supposed to receive the payment againthey had received nothing. I called Discover backsent to the wrong account again. Now they wont file a dispute for a certain amount of time even though they clearly see its going to the wrong account. And no one can answer why they keep sending it to the wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan had been in " OK '' standing since XX/XX/XXXX. As ofXX/XX/XXXX, my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX dollars its credited but took the fee for rush the card and the card still not validated. I been send the document several time. XXXX, XXXX, XXXXXX/XX/XXXXand XX/XX/2020, agent us bank reliacard told me send again its say 5 business day. But already disputed and credited to my bank card but I can not use my fund. Ok, 6 send selfie and driver licence and XX/XX/XXXX send again say two business day will take the block on the card. Up to present and I had letter girl fraud investigation that the error is been fix and the case close. The company is usbank reliacard PA. Unemployment. Please need help Thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. Unit the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

XXXX  account. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXXXXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX       XXXX   XXXX   Once again a major mess with   XXXX   and  one  takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again  WAIT AGAIN! WAITING.  AGAIN!!!!   1-  XXXX  UPDATED  XXXX   XXXX   XXXX  INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO.   XXXX   WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT.  3 - NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED  60-90  DAYS --  4-  BEING DENIED CREDIT SINCE XX/XX/XXXX    READY TO SUE ALL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount. 
Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )