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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -XXXX, XXXX and Equifax has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, XXXX to furnish or report any information regarding my credit file.
Product: Credit reporting or other personal consumer reports

In Regards to XXXX ACCT # XXXX I am writing to file a formal complaint against XXXX XXXX for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. 

Upon reviewing my consumer report, I have identified several instances where XXXX XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. 

Furthermore, XXXX XXXX unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party.

Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. 

Additionally, XXXX XXXX reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX XXXX. 

I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i.

2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c.
Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. 

I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I'm submitting my complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Experian under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts listed below remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report # XXXX, and supporting documentation. 

XXXX XXXX  account # XXXX ; XXXX  XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX  account # XXXX ; XXXX account # XXXX ; XXXX account # XXXX
Product: Checking or savings account

Between the Dates of XXXX there were multiple transactions made to 2 companies who the parent Company is XXXX XXXX, the 2 Companies are ID 'd as XXXX XXXX and XXXX Slots Payments varied from XXXX {$50.00} and there were about 50 transactions, around XX/XX/2023 i was playing on a casino, which i played a specifi slot called the bear or something to that effect where i had a winning spin, i screen shot the winning spin to send to company, which i was told it was a Visual Error and what i was seeing was not actually what it really was ... Implying that it was my fault and they essentially closed my account, and refused any type of refund to me whatsoever. which i than reached out to one of the card companies cash app i used for multiple transactions, i disputed the charges and was told because there were multiple transactions its not a valid dispute, i explained that it took me that long to see they were not conducting business ethically and i wanted a refund, i did not think i should be paying for a scam. cash app basically told me to kick rocks.
Product: Mortgage

I am the  administrator of  my mother 's estat e. In  XX/XX/XXXX  , she took out a reverse mortgage on her home with  XXXX . She passed away in XX/XX/XXXX . At the time of her death the reverse mortgage was being administered by Reverse Mortgage Solutions  (  "  RMS  '' ). Upon her death, I promptly provid ed RMS  with all requested documentation showing that I was t he administrator of her estate and advising them that I was selling the home. I provided a copy  of the real estate listing agreement for their records.  <P/> In   XX/XX/XXXX , RMS tresp assed upon the property, and vandalized it by changing the locks and installing a lock box. When I enquired why this was done, no one at  RMS  could provide a reason. I incurred costs of {$230.00} as a result. I sent RMS a written demand for my costs, but have never received a response.  <P/> In XX/XX/XXXX , a buyer was found for the property and an escrow opened. When the escrow company submitted a request for the payoff demand statement,  RMS  responded by issuing a Notice of Default and initiating foreclosure proceedings. Since the property was already in the process of being sold, with an active escrow, it would appear that the foreclosure was initiated simply to run up additional fees and costs.  <P/> Although the estimated closing date of for the sale was   XX/XX/XXXX ,   RMS submitted a payoff demand that calculated interest through   XX/XX/XXXX  . Not wanting to delay the sale, I agreed to pay the full amount of the demand, with the understanding that RMS would refund the unearned interest. RMS received the funds necessary to satisfy its demand on   XX/XX/XXXX .   <P/> When 30 days had elapsed and I did not receive a check, I contacted RMS about the refund of the unearned interest. I was told that they are not required to refund the interest.  <P/> The payoff demand included a charge for "  Corporate Advance  of {$720.00}. I have not received a response to my written request for an explanation of or documentation for this charge.  <P/> The payoff demand included a charge for " Outstanding Fees & Costs '' in the amount of {$2000.00}. RMS has not responded to my written request for an explanation of or documentation for the charge.  <P/> Given that  RMS  administ ers and/or  makes loans on reverse mortgages, the elderly or their legal representatives make up a disproportionate share of its accounts. From my experience it appears that  RMS  engages in unfair business practices, which include refusing to communicate or respond to inquires from its clients and/or representatives and adding unlawful fees and costs to its loan balances. While the amounts charged are not great, if RMS engages in this type of activity on a regular basis, the fees and costs collected from its thousands of elderly clients  may  be significant.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX ( XXXX ) XXXX Report : TransUnion Credit File XXXX. 

Regarding : XXXX XXXX  - False and/or Inaccurate Information on TransUnion Credit File XXXX XXXX 

XXXX XXXX : XXXX... 
Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount : {$3200.00} To whom it may concern : I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting

eqifax optain information from XXXX of tax lien, i ask for a removal of that account, account is satify with o balance they refused to removed count do not report to credit burea
Product: Debt or credit management

I tried to contact Lexington law firm about the funds owed to me due to their recent class action lawsuit and could not get in touch with them about the matter. Their XXXX number provided online is for XXXX XXXX XXXX  not Lexington law firm
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Personal Information 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XX/XX/XXXX with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of XXXX states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
I've also reached out to dept of Ed/XXXX to remove all accounts due to the XXXX It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Bank account or service

Every time I try to use my Paypal account to purchase items on Ebay the process is hit and miss. Most times the payment is " declined '' and I am told to contact Paypal. I call Paypal and they tell me my account is fine, but the " security system '' is not allowing the transaction. I provide answers to what addresses I have lived in 20 years ago, cars I have owned, etc, this is still not good enough apparently. I receive multiple text messages and phone calls during some transactions and put in codes, this is not good enough. I just want to be able to use my Paypal account as some merchants only allow payment by Paypal, and further, eBay gift cards can only be processed by Paypal. I have called numerous times each week, sometimes on the phone for an hour or more to be told the " security system '' is holding me up, there is nothing that can be done, try again in 24 hours. I try later as directed, however some auctions or rebates have then expired, and it works sometimes, most often it is the same problem. I just want to be able to use my own money to make a payment without being denied. I have done nothing wrong and if Paypal has such stringent security requirements they ca n't let the owner use their own account this is unacceptable. This is especially concerning when most purchases only use Paypal as a checkout option.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe that this limitation has been imposed on my account due to a mistake or misunderstanding, and I kindly request that PayPal re-investigate my case in order to rectify this situation. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that are in contravention of the terms and conditions outlined by PayPal. I have always been diligent in adhering to PayPal 's guidelines, and I have used the platform responsibly for both personal and professional purposes. 

I firmly believe that there has been an error in the assessment of my account, leading to the unjust imposition of this permanent limitation. I have reviewed my account history thoroughly, and I have not identified any suspicious or unauthorized transactions that would warrant such a severe action. Therefore, I kindly request that PayPal conducts a thorough re-evaluation of my account activity to uncover any potential misunderstandings or errors that may have contributed to this decision.

It is of utmost importance to me to have my PayPal account restored, as it plays a significant role in facilitating my financial transactions and XXXX XXXX activities. The services provided by PayPal have proven to be invaluable in enabling me to conduct secure and efficient transactions with customers and vendors alike. The permanent limitation on my account severely hampers my ability to continue my business operations smoothly and efficiently.

In light of the aforementioned points, I respectfully appeal to PayPal to reconsider their decision and undertake a diligent review of my case. I sincerely request that you investigate my account thoroughly, taking into consideration my long-standing history as a responsible and compliant PayPal user XXXX If any mistakes or misunderstandings are identified, I kindly ask that you rectify them promptly and reinstate my PayPal account to its full functionality. 

I have always appreciated the convenience and reliability offered by PayPal, and I am confident that this matter can be resolved through a fair and just re-evaluation of my account. I sincerely hope that you will give due consideration to my appeal and swiftly respond with a positive resolution. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Yours faithfully, XXXX XXXX
Product: Debt collection

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX balance of this account is wrong.Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX account information is being reported inaccurately on my report.Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Access # XXXX I have noticed an unauthorized written check from a company for {$3000.00} against my account. I contacted my credit union with good faith, I let them know that I have done business with the company that processed the unauthorized check however not for that amount and the actual amount that the check was for actually had never been cashed. The rep suggested maybe the check I had given was altered, I said perhaps, I wasnt sure. Come to find out after my own investigation looking at check numbers in my check book against the amount of checks authorized to be cashed against my account, i have a missing check. My credit union continues to deny my claim after I have given them proper paperwork and affidavits. I am constantly trying to appeal and I am never allowed to speak with a case worker as I have also been told several times someone will contact me and thats never the case. No one has ever called to verbally speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Experian. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a business account at fifth third bank in XXXX of XXXX, the business department closed my account in XX/XX/XXXX. I didn't realize until I went to close my account in XX/XX/XXXX, they stated it was already closed, but they didn't return my money. The money is being held by the business verification dept. They couldn't verify the account so they closed the account and kept the money.
Product: Credit reporting or other personal consumer reports

Federal Trade Commission- specify credit discrimination is illegal, the barriers, prevent a decent living, causing harm to bodily injury, and damaging to personal property. Security Fraud - trading without the owner 's consent, violation of the privacy act, and failure to disclose information. ( These Financial Institutions have created a system that tracks inaccurate information that has affected the approval of credit cards from banks, retailers, mortgage companies, and any other company that uses credit to discriminate against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery associates llc has reported accounts to the XXXX  that is incorrect and costing me fees and penalties as well ... 3 credit cards were filed within a bankruptcy back in 2009 and accounts were : XXXX XXXX  visa, XXXX XXXX and XXXX money which all 3 show listed under one company ( portfolio recovery associates llc ) since then with incorrect information. It has long since past the statue of limitations since the filing of the bankruptcy and needs to be cleared from records including the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I submitted a claim for three fraudulent inquiries in my Experian credit file. Experian responded to the complaint telling me those three inquiries werent in my credit which indeed yes they still are on my credit report til this day and I need them. Removed because its against fcra law they are unauthorized and fraudulent
Product: Credit reporting or other personal consumer reports

i was in a data breach and my ss number was exposed and all of my credit is incorrect