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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : CIG FINCL  XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. The inaccurate item are still reporting on my report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FCU-XXXXXXXXXXXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX
Product: Debt collection

XXXX did not submit my claim in a timely fashion to XXXX XXXX XXXX XXXX ... .they later sold my account sending ALL OF MY MEDICAL INFORMATION ... everything I was treated for WHICH IS CLEARLY A VIOLATION OF HIPAA LAWS WHICH clearly states that my individual and identifiable health information should be private UNLESS I GIVE PERMISSION to release ... I DID NOT GIVE PERMISSION ... AND THERE IS NO SIGNED CONSENT TO RELEASE MY INFORMATION
Product: Credit reporting or other personal consumer reports

Please remove all XXXX consumer dispute for these XXXX accounts. I already paid for them. 

XXXX Open XX/XX/XXXX XXXX XXXX  XXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX Thank you for your help
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I strongly believe that this limitation was imposed in error, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. 

Firstly, I want to emphasize that I have been a loyal and active PayPal user for several years, conducting numerous transactions without any issues. It has come as a great surprise and disappointment to me to receive the notification about the permanent limitation on my account. I am confident that this is a mistake, and I kindly request you to reconsider and re-investigate my case thoroughly. 

As a responsible PayPal account holder, I have always strived to adhere to your terms of service and policies. I have conducted all my transactions in a legitimate manner, both as a buyer and a seller. I have never engaged in any fraudulent activities, nor have I violated any of the policies outlined in the PayPal user agreement. Therefore, I am confident that there has been a misunderstanding or an error in the assessment of my account activity. 

Considering the aforementioned points, I kindly request that you conduct a comprehensive review of my account history and transactions. I urge you to take into account my previous exemplary record as a PayPal user. I firmly believe that upon a thorough investigation, you will find no evidence of any policy violations on my part. 

In light of the above, I kindly request that you lift the permanent limitation on my PayPal account and restore it to its previous unrestricted state. I value the convenience and security that PayPal offers, and losing access to my account has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate with me through this email address regarding any updates or additional information required for the re-evaluation of my case. 

I appreciate your attention to this matter and hope for a prompt and fair resolution. I trust in PayPal 's commitment to ensuring a safe and reliable platform for its users, and I am confident that upon further examination, my account will be reinstated. Thank you for your time and understanding. 

Yours sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

have already started investigation into this company, wish to add more information to assist you in helping me. 

XXXX about MARLETTE FUNDING , LLC - also XXXX XXXX XXXX ) XXXX-XXXX XXXX XXXX 4 years in business Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX See More Contact Options BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in DE Type of Entity XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer XXXX XXXX XXXX, CEO XXXX XXXX XXXX, Director of Operations XXXX XXXX XXXX, Chief Marketing Officer Business Category Consumer Finance Companies See More Business Categories Service Area We service the following area ( s ) : Delaware Alternate Business Names Marlette Funding , LLC See More Business Information BBB Reason for Ratings BBB rating is based on 13 factors : Get the details about the factors considered. 

BBB Reports On Licensing Advertising Review Government Actions Out of Business Misuse of Better Business Bureau Name/Logo Bankruptcy Mail Returned BBB accredited business XXXX XXXX  BBB ACCREDITATION SINCE XX/XX/XXXX A+ BBB Rating System Overview Customer Review Rating : 87 % 11 % [ 946 ] Positive Reviews [ 23 ] Neutral Reviews [ 118 ] Negative Reviews [ 1,087 ]  Total Customer Reviews [ 149 ] Total Customer Complaints Composite Score : XXXX XXXX has received 4.84 out of 5 stars based on 1,087 Customer Reviews and a BBB Rating of A+. 
Share your experience XXXX XXXXXXXX XXXX  XXXX
Product: Mortgage

Selene Finance refuses to engage in loss mitigation options with me. I am willing to do a short sale and or a loan modification. They also refused to validate the debt. I have a foreclosure sale date scheduled for this Friday, XXXX XXXX, 2016. I need time to work my options out with the bank and need the CFPB to intervene because Selene Finance has been reluctant to assist. I have an FHA MORTGAGE AND WAS NEVER PRESENTED THE OPPORTUNITY WITH A FACE TO FACE MEETING WITH A HUD COUNSELOR AS FEDERAL LAW REQUIRES THEM TO AND AS WELL AS MY MORTGAGE CONTRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXX  XXXX ( XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that my accounts in experian boost had been deleted and to reassociate with my XXXX  XXXX XXXX account on the experian website to resolve. This association syncs my utilities, etc. to show my positive history of payments which have been paid from this account for 15+ years. 

I reconnected my bank to boost ( not sure why it was disassociated ) and received confirmation from both the bank and experian that the association was restored. After giving it a week to rediscover the utilities history, it never displayed, so I called the support number and spoke to a rep who had me clear browser history for some reason and go through re-association again. I did, and this made no difference. 
I can no longer reach any live support in the XXXX available range, and the phone numbers etc bring you to menu 's that never connect to any type of live support. 

I did receive a notification of a drop of XXXX points on my fico score since the accounts are no longer showing, although only positive changes have occurred in my credit situation. I would like to speak with a live person who can actually fix this issue since there is no reason this should no longer be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. On XX/XX/, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX email : XXXX You are in Direct Violation Of The Fair Credit Reporting Act ( Westlake Financial SVCS, # XXXX ) has violated several of my rights.

15 U.S.C section 602 ( a ) Clearly states that 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 instruction.

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.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts listed below 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

I sent several Cease and Desist letters to said company to stop communication with me. 
To my understanding the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Product: Credit card or prepaid card

I have had a credit card with capital one since XXXX going on 5 years already I have requested for a credit limit increase twice for account ending in XXXX once in XXXX of XXXX and once in XXXX of XXXX both times they gave me two different excuses why they wont approve me in XXXX they said they were monitoring my credit activity so they didnt approve it then in XXXX they said I have too many recent inquiries so they denied me again.. I have had stellar payment history with them and my credit utilization is 10 percent or below every month but in XXXX of XXXX they approved me for a Capitol one Walmart rewards card?!? I find it odd that they wont allow me to get an increase on my longest standing trade line but will approve a new trade line for me instead? I dont feel they have my best interest at heart as a customer thats had a card with them for 5 years the only reason I have too many recent inquiries is because I had two auto loans in XXXX due to a car accident I had to get another vehicle other than that Im responsible with my credit utilization and my debt to income ratio is excellent I have had stellar payment history so i feel that they should approve me for an increase for account ending in XXXX
Product: Credit reporting or other personal consumer reports

I was looking to my credit reports and find out there are XXXX accounts that has nothing with me, i have never aplied for that loan and credit card. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX )
Product: Checking or savings account

I have a savings account with Ally Bank. I linked my external XXXX savings account a couple of weeks ago, and successfully made a few transfers from Ally to XXXX ( initiating from the Ally side ). 

Today, XX/XX/year>, I scheduled a transfer of {$14000.00} from my Ally savings account to my XXXX savings account, and then received notification from Ally that my Ally account had been suspended. I called to ask why, and they said they couldn't tell me, but that someone would get in touch within XXXX business days. Meanwhile, my money ( {$14000.00} ) is in limbo, and I can't transfer it to use. 

I then talked to a supervisor at Ally who said it was XXXX who rejected to transfer. But when I called XXXX, they said they did not see any sign of any incoming transfers, and my account looked fine to them. 

I called Ally again, and got no new details. They just said someone will reach out in 2-3 business days. 

I have been a customer with Ally for 6 years, I successfully linked and transferred funds to my XXXX savings, and now I am in a bind because I have no access to the {$14000.00}, which I need.
Product: Debt collection

This account was opened in my name from identity theft, I have already filed a police report. This account needs to be removed. Someone stole my info to open a XXXX account now its showing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was locked out of my account from rocket mortgage and not allowed to make any more monthly payments even though i was not in foreclosure. 
I called them several times and tried to get them to be honest and coordinate with the XXXX XXXX XXXX XXXX so that they could get my mortgage caught up. 
I was ready to resume my monthly payments, however, I could not I was informed by Rocket Mortgage Customer Service Personal that in order for me to begin my monthly payments again I would have to pay the balance of {$5500.00} in a wire transfer. 
I had a insurance payment that I used to do the wire transfer and resume my monthly payments however, by doing this and by me making the transfer the Mortgage company told me I had to make made me ineligible for the XXXX XXXX XXXXXXXX XXXX and now I am out of work again through no fault of my own AND my insurance company wants to do an inspection of the property. I am really at a complete loss. Help!!!
Product: Debt collection

This company I.C. SYSTEMXXXX XXXXXXXX contacted me about a debt from XXXX XXXX XXXX account number XXXX  for the amount of {$1000.00}. As of XX/XX/year>, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX I have never signed an agreement for my information to be shared or sold I.C. SYSTEM, INC, nor do l have a contract nor have l ever signed a contract with XXXX XXXX XXXX XXXX I.C. SYSTEM, INC. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advised these documents must have my consent stating l owe this debt to XXXX XXXX XXXX XXXX I.C. SYSTEM, INC. This must be written, original documentation, not electronic forms or scans. Again note that this account with XXXX XXXX XXXX has already been disputed on several occasions in regards to it being a result of identity theft. I have filed multiple disputes and complaints to CFPB, and FTC. Because of the constant lack of care and responsibility on all parties, I am requesting I.C. SYSTEM, INC cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cease and desist all attempts to collect this debt further. Please advise XXXX XXXX XXXX XXXX I.C. SYSTEM, INC to cease and desist reporting this collection to the credit reporting agencies. Remove this item from all three credit reports immediately. You are hindering my daily duties tremendously. Thank you for your time and attention to this matter
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the information is inaccurate.