23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. Experian will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. Experian is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including XXXX and XXXX in this, these need to be removed as well from my credit file thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

i need to remove the fraud alert in my credit report in transunion imediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Dear Sir/Madam, I am writing to submit a formal complaint against PayPal for suspending my account without any clear reason or explanation. My name is XXXX XXXX, and I have been a loyal user of PayPal for several years. I have always followed the terms and conditions of the platform and have never violated any of its policies. 

However, I received a notification that my account had been suspended. I was not given any explanation as to why my account was suspended, and I have not been able to access my funds or use my account since then. I have attempted to contact PayPal multiple times to resolve this issue, but I have not received any clear response or explanation. 

As a result of this suspension, I have been unable to make any transactions or access my funds, which has caused significant inconvenience and financial hardship. I have also lost trust in PayPal as a secure and reliable platform for conducting financial transactions. 

I am seeking your assistance in resolving this issue as soon as possible. I request that PayPal provides a clear explanation for the suspension of my account and restores my access to my funds. I also request that PayPal takes steps to prevent similar issues from occurring in the future and provides better customer support services to its users. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

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

these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed, also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

For the fifth time : UPDATE : Re Chase Letter Dated XX/XX/2018 CFPB complaints XXXX, XXXX, XXXX, XXXX Attached is written authorization to speak with XXXX XXXX and XXXX XXXX. Chase representative previously entered the information on my account from me on the phone and stated this would allow future communication with XXXX and XXXX! 

Your letter regarding XXXX  XXXX XXXX unable to locate account is false. The routing number is used for all XXXX  XXXX XXXX wires. The account numbers are all valid active commercial accounts. These accounts are not mine. 

Your letter regarding XXXX XXXX XXXX customer advised not authorized, Chase failed to follow up to trace the source of the electronic payment just as Chase failed to follow up on the 3 XXXX  XXXX XXXX electronic payments to track down the scammer. 

I am in receipt of the action letters Chase dated XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 included with your correspondence XX/XX/2018. I have not previously seen nor received these letters. Again, the Notices and Letters on my account show no notices were ever sent! 
Attached is the current Notices and Letters screen shot as of XX/XX/2018 verifying no notices have ever been sent. 

The first action letter from Chase states ; Weve canceled any future electronic payments. Yet Chase failed to cancel future electronic payments. Two of the electronic payments were from the same account at XXXX  XXXX XXXX. 

Further Chase states in the XX/XX/2018 letter ; we reviewed the calls regarding the returned payments. The statements in the paragraph are incomplete and inaccurate. 

Please provide ALL phone conversations in electronic format and in written transcript with me whether initiated by me, by someone else, or by Chase, regarding my account including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as stated in your letter. 

Remit the balance due me and reverse the scammer transactions per the attached worksheet. Please close the account permanently with XXXX balance. 

Attachments : Privacy Release Authorization Notices and Letters XX/XX/2018 Chase Credit Card Complaint Detail IRS Employment related Identity Theft Notice CC : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX Reporting agencies reflecting inaccurate information on consumer record. PORTFOLIO RECOVERY A, is reporting as an original creditor to XXXX and XXXX. The consumer never entered into an agreement to a loan with this company. The reporting agencies continuing to reflect the collection account on the consumers record will constitute willful non-compliance and under 1681n, section discuses that in general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Product: Checking or savings account

Well, my account was recently restricted because of a {$10.00} reversal of a transaction. Had no idea a reversal would have caused me to have my funds frozen for an unknown period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Vehicle loan or lease

Company committed fraud by unauthorized use of my credit card and uses deceptive business practices. 

CREDIT CARD DEFINITION- USC1602 ( i ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

My ssn was given and my signature released funds thats were given by the federal reserve upon submission of my consumer CREDIT application that were taken and not issued to me. 



I applied for a car loan on XX/XX/2023 and was denied credit and adverse action was taken by XXXX XXXX and CAPITAL ONE which is illegal as stated in 15 USC 1691- 1691 ( f ) which states, This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or GOOD FAITH exercise of any rights under the Consumer Credit Protection Act. 

GOOD FAITH IS DEFINED AS- a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent. 

The fact that I acted in GOOD FAITH AND WAS DENIED MY OWN CREDIT is illegal and fraud. 

Company violated my consumer rights by taking ADVERSE ACTION by DENYING ME CREDIT when no law permits denial of a credit worthy applicant. 

ADVERSE ACTION IS DEFINED AS- an action taken or determination that is- ( I ) made in CONNECTION with an APPLICATION that was made by, or a TRANSACTION that was INITIATED by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( XXXX ) ( F ) ( li ) of this title ; and ( II ) adverse to the interests of the consumer. 

Company cant deny a consumer credit based on transactions made by a consumer as stated above. 

PROOF THAT ADVERSE ACTION OCCURRED IS IN letter in ATTACHMENT below.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I send a demand letter for Advantage Credit XXXX proving they had done a HARD PULL on my credit for a Mortgage Inguiry I had made with XXXX XXXX. I had proof from XXXX that it was not to be a Hard Pull but strictly a soft pull. I send them copies of the info that XXXX had sent to me proving they had never requested a hard pull and their info had coded it for a soft pull. I send a demand letter via regular USPS, Certified Mail which they refused to accept and did an online dispute within their system. I sent them proof it was not to be a hard pull on my credit, They ignored all and have not removed from my credit report.
Product: Student loan

I consolidated my loans in 2015 with Fed Loan Servicing from Direct Loans to start the Public Service Loan Forgiveness Process. With the new temporary waiver I asked for consideration..they said they reviewed my account and they did not.

None of the payments I made to Direct Loans are being counted toward my payments as they should be now.

Also now according to the waiver payments made durinf teacher forgiveness should count. They have not.
Product: Credit card

recently seen a inquire regarding a Citi card with my name on it that I did not apply for contacted the company explain I never applied for a credit card that this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report must be updated. XXXX  account with XXXX XXXX has been paid for removal please remove XXXX XXXX from report..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( XXXX, XXXX, Equifax ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.
Product: Mortgage

I have been working with Academy Mortgage for alternatives options to avoid foreclosure and submitted all documents back in XXXX. On XX/XX/XXXX, I was informed that my documents were under review and nothing was pending at that moment. When I called back around XX/XX/XXXX, I was then informed that a sale date has been placed on my property which states Academy Mortgage committed dual tracking but proceeding with placing a sale date while I was in active review for a loan modification. Now they are requesting more information in which I have sent them over a week ago and when calling in they are stating the opener is still reviewing the documents. It should not take over a week for someone to review documents especially given there is an upcoming foreclosure sale date. To date, I have yet to be assigned a designated point of contact which violates HBOR laws. Academy Mortgage never reached out to me to offer any assistance and have continued to violate my rights as the days progress. Now I am worried about losing my home on XX/XX/XXXX ( 3 days away! ) because they are taking their sweet time doing nothing but causing me stress when all I am trying to do is pay my payments again and not be homeless.
Product: Debt collection

Recently obtained a copy of credit reports and noticed an account i did not authorize.
Product: Prepaid card

I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted XXXX immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, XXXX requested documentation on the card, which I provided and also attached to this complaint. 

On XX/XX/2023, XXXX informed me the case was resolved in my favor, and promised a new card via XXXX delivery. However, this card has still not arrived, 4 weeks later. 

Since then, I have not heard any updates on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVISED MY CREDIT FILE AND DISCOVERED SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND HAVE NOT BEEN AUTHORIZED BY ME. I AM ASKING THAT THE ACCOUNTS BE INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
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 XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Checking or savings account

On XX/XX/2023 i XXXX XXXX Wells Fargo customer / Consumer reported unauthorized transactions listed on checking Business checking account XXXX Wells Fargo are violating my consumer protection rights i XXXX XXXX am the victim of identity theft and fraud WELLS FARGO has not responded. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against XXXX filed XXXX ( XXXX ) CFPB complaints. They responded to the first with documentation that I claimed they violated in my Affidavit of Truth ( which was attached to my CFPB complaint ) - Further proving them guilty of identity theft and fraud. ( all attached ) The second complaint is still in progress.Wells Fargo proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof is attached. Not to mention, a class action lawsuit was filed against WELLS FARGO for opening unauthorized accounts in the past. This is a violation of 15 USC XXXX I did not apply or sign for the card with the new account number, therefore I am not to be legally held to the contract.I have many late fees accumulating on the account and it has put derogatory marks on my credit report decreasing it drastically, not allowing me to obtain more of my open-ended credit plan.This is completely unlawful and abusive. I have done all steps via the federal law and WELLS FARGO is still breaking FEDERAL laws pursuant to the XXXX WELLS FARGO is liable for all statutory damages that I have endured. I now further demand WELLS FARGO to stop their fraudulent acts and to compensate me for all individual actions. Invoice attached. I also demand the credit reporting agencies be notified.
Product: Credit reporting 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 that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.
Product: Debt collection

Medical event XXXX/XXXX/XXXX. Medical insurer XXXX initially declined XXXX, but XXXX NV paid the claim XXXX/XXXX/XXXX, according to plan negotiated amounts. A series of debt collectors have been harassing for 4 years now. Repeated phone and written contact appeared to end in XXXX after my last correspondence, but now written demands have restarted. Each time, I provide a copy of the XXXX explanation of benefits showing payment to the service provider. Each time, the $ amount of the purported claim appears to change, though. An extra XXXX cents in XXXX, a XXXX instead of a XXXX in another, things that might seem like innocent typos, but which suggest also an attempt to look at the demand as a new claim. There was XXXX medical visit, and XXXX bill for services rendered, which was addressed by the insurer. And each time the debt collectors send a demand, it comes from another entity, most recently Central Credit Services with a XXXX mailing address for correspondence and an XXXX XXXX paying address ( the same address as the most recent XXXX demand from XXXX ). Most recently the claim is listed as XXXX of XXXX XXXX, who it appears obtained it from XXXX. This claim continues to be on my credit report, despite requests that they correct this. I am concerned not only about my situation, but that this may be a broader practice, an attempt to baffle the consumer ( or an elderly consumer 's family or estate handling their finances ) into thinking a bill is unpaid so that the debt purchaser gets some return on their investment. Thank you in advance for your assistance with this.