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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card

On XX/XX/year> application denied for Ref : XXXX. 
On XX/XX/year> application denied for XXXX. 
On XX/XX/year> application denied for XXXX. 
According to 15 USC 1679a ( 1 ) the term consumer means an individual. ( 2 ) Consumer credit transaction means any transaction on which credits is offered or extended to an individual for personal, family, or household purposes. 15 USC 1602 ( f ) the term credit means the RIGHT! 12 USC 1431 Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers. The denial of these applications is a violation of 15 USC 1691 ( a ) activities constituting discrimination It shall be unlawful for any creditor ( American Express National Bank ) to discriminate against any applicant, with respect to any aspect of a credit transaction. When in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. In addition, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. This will also serve as Notice of breach of fiduciary duties XXXX XXXXXXXX XXXX XXXX XXXX. It is AMEX duty to provide accounting under XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Its a direct violation of mismanagement of Trust Assets : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  When a BOND is tendered for settlement there is immediate discharge and XXXX XXXX applies. The bank is required by law to either use their XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX series, to perform the set off, or wait for the XXXX to process the BOND and discharge the liabilities. Its simply a book entry, just like the original demand deposit which extended the credit from the buyer to seller. If you refuse to do the accounting, you can be held liable for damages for violating FDCPA and FCRA 15 USC 1681 a, n, o for willful negligence noncompliance. See XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a dispute letter requiring Experian for two accounts. One for account XXXX XXXX and XXXX XXXX. As it is my right according to the FCRA, I required and demanded according to the law that Experian validate both reporting accounts. I required that they provide the contract bearing my signature the method of validation, along with the infomration of all individuals who validated this account and their method of validation. Experian sent back a letter stating that the information was validated. However, no such documentation or requested information was provided. I sent a follow up letter on XX/XX/2020 as a good faith effort asking them to follow up with the required documentation and information to validate this account. Experian again failed to send the requested validation information. On XX/XX/2020, I sent a final letter to Experian demanding the required documentation for the two above mentioned accounts. Again, Experian completed their investigation without providing the required documentation. 

According to the FCRA, all credit reporting agencies have 30 days to validate the account. If the accounts can not be validated and a contract binding me to this debt, bearing my signature is produced, the accounts must be deleted. I have provided Experian with an additional 60 days totaling 90 days to complete the dispute and legally provide all requested documentation. Experian has failed to comply and are now willfully breaking the law and reporting false and fraudulent information on my credit report. They are illegally damaging my character and credit reputation. 

At this point both disputed accounts MUST be deleted according to the law. Experian are well out of the 30 day window to properly validate these accounts and can not continue to illegally report these accounts. Experian must remove these accounts IMMEDIATELY before final legal actions are taken.
Product: Credit card

I received a credit limit of around XXXX XXXX  I made a payment of total balance the first month of about XXXX XXXX ( payment was made XX/XX/XXXX ). Aside from the payment process taking 7-10 business days to process ( which they claimed was due to the large amount ), they froze the card and now I cant use it for 7-10 business days. I asked the person XXXX XXXX ) and he simply said its just an internal process. 
I asked him if I make a payment every month like this will the card not work for 7-10 business days every month? He responded yes, due to size of payments, its just an internal process. 
When I asked to speak to a manager, I was simply hung up on. The conservation with the credit card company was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
This smells fraudulent and just an attempt to limit ones ability to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau several times and have sent in an FTC ID Theft Affidavit more than 3 times including next-day mail so I could have a tracking number to verify receipt. Yet, every time I call to inquire about the fraudulent information being removed, I am told that they haven't received the documents. I even faxed it in and received a confirmed successful fax transmission. I find it very hard to believe through the several different attempts that my documents have not been received. I believe the reps are not giving the attention the matter needs to find out the problem. And in the interim, my initial issue which is the fraudulent items on my account is not being addressed. By attaching the documents I sent in this complaint, I know it will be forwarded to the credit bureau and they can no longer deny receiving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XXXX separates dates are reporting an inquire on my Transunion and XXXX. 
At no time did I authorized any of these inquiries. This is an on going battle with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than XXXX minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. 

my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX TransUnion are reporting my balance for a XXXX XXXX XXXX incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX XXXX reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.
Product: Checking or savings account

My U.S Bank account was hacked/unauthorized withdrawal for a total amount of {$1200.00}. My card had an unauthorized withdrawal made the first time for XXXX and the XXXX the second time by a bill pay transaction with XXXX XXXX. I spoke with a bank representative after receiving an alert saying my email was changed. I called the bank and alerted that withdrawal wasn't me. The representative told me that they would investigate, send dispute forms, send me new bank card, refund the funds and she was going to change my email back.The following week my card had the same error/withdrawal ( XXXX ). I alerted bank. I recieved the dispute papers and fax the paper work. A few hour later I received {$1000.00} on my bank. An hour later the same thing happened with the same name attached to the transaction. I made a dispute again. My account has been compromised. I have made no withdrawals.My account was dormant for three months.I have no allotments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX someone with the same name opened XXXX  account and their account went to collections. They reached out to me and I was threatened into paying off the debt at the risk of ruining my perfect credit. They did not inform me of my right to dispute the account and forced me to give them my credit card information. Earlier this year I was made aware of my right to challenge the validity of any debt so I sent this company a certified letter on XX/XX/XXXX, they received this letter on XX/XX/XXXX. 

The letter sent to them was a request they validate this debt. They failed to respond within 30 days with any information including a response letting me know they opened an investigation. 

The only information they have that ties me to this account is my credit card information they got from me at the time of the collection to pay off this debt. I used my own money to pay for someone else 's debt. They need to delete this off my credit reports or provide me with proof that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was open under my name that I never opened in XX/XX/2013. I've tried countless times to contest this account. The account currently showing closed with the payment status of being charged off. I've submitted notarized police reports for the fraudulent charges on my credit accounts. It is currently on my XXXX  & XXXX report. It was on my XXXX report but was removed once I disputed it. I would like to have it removed as soon as possible from the other reports.
Product: Mortgage

my last two payments that were made via XXXX XXXX have not been posted by Ocwen loan processing, yet XXXX XXXX shows they hasve received it
Product: Debt collection

americollect XXXX XXXX XXXX americo collect sent me to collection for a medical bill when I went through a Covid 19 pandemic, and I don't even have a job to pay for food for my family. there is little communication from them in trying to solve this problem of their payment of money that is only XXXX dollars. 
Please, I am willing to start paying after the pandemic is gone, but now I am going through a very difficult situation and I need a temporary break. 
Thank you and I would appreciate your help.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.
Product: Money transfer, virtual currency, or money service

Have called numerous times American Express serve card customer service always puts me on hold and no one has returned my emails or answers my calls while on hold some days I have been on hold longer than an hour
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX  XXXX XXXX. this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.
Product: Debt collection

I have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account SANTANDER CONSUMER USA with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to SANTANDER CONSUMER USA but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we got a XXXX XXXX Credit Card to purchase 2 refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with XXXX XXXX Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now XXXX XXXX Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of XXXX XXXX Credit Card, we have asked several times to close our account, yet as of today ( XX/XX/XXXX ), our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

I literally got a refund from Apple and a dispute with them then it got fixed before that could even happen its been 10+ days with my account restricted requesting payments and all and I havent heard anything from support at Apple Card . They said we cant help over the phone you have to wait
Product: Payday loan, title loan, or personal loan

I applied online for a personal loan with Navy Fed your company discriminated against I sent a letter to Navy Fed and its been over 30 days with no response. Navy federal has discriminated against me by denying me my right to extend credit which is a violation of 15 USC 1691 ( a ) also 15 USC 6801 ( a ) by violating my right to privacy and consent by communicating without my consent my non public personal information to a non affiliated third party TransUnion. Furthermore violating 15 USC 1640 ( a ) ( i ). 
Proof of violations included in attachment
Product: Mortgage

In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.
Product: Money transfer, virtual currency, or money service

Hello On theXX/XX/20 I have tried to send 1 ethereum token from my XXXX XXXX telephone app to my Coinbase app. 
The Transaction was successful however I had sent the ethereum cryptocurrency via a BEP20 network and not what Coinbase accept to enter the fund into my Coinbase account. I can not access my funds whatsoever. The transaction is successful however I can not access my own funds. 

The crypto cuirrency can be released by Coinbase but they claim they can not. I have contacted them but there is no way to get my money back. I would like them to at the very least return my funds back to the same source they received the funds from ( my XXXX  account ).
Product: Debt collection

I have sent a debt validation letter and they never responded back. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Checking or savings account

I had funds in my account on XX/XX/22 and sent my sister 11 through XXXX and when I sent it nothing was pending or processing on my account at the time I then get a email saying that it was overdrawn and a fee was posted to the account and again on XX/XX/22 I called the bank and got the run around and if I didn't have my XXXX funds coming on the XXXX of XXXX I would have closed the account but I really don't want to go through finding another bank and setting everything up with another bank and all the accounts I have to pay I been with the bank for 17 years and this is the first time this has happened and I got no help from them they don't care about their customers and I just hate to close my account for something like this please help me with this company asap I just want the two fees waived and that's it
Product: Student loan

In XX/XX/XXXX, I contacted Nelnet regarding my inability to repay my student loans due to financial hardship. My loan balance at the time was approximately XXXX. I requested information about repayment options or assistance programs, such as income-driven repayment plans or forbearance. As of XX/XX/XXXX, I have not received a resolution, and I am still unable to make payments due to my financial situation. 

I am seeking assistance to resolve this issue and would appreciate guidance on available options or next steps to avoid defaulting on my loan.