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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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

My husband and I opened a business checking account in XXXX, we took all business documents to the bank when the account was opened such as articles of organization, ein and business formation documentation. Fast forward XXXX, I opened a business savings account for the same business name as the checking account. A bank representative called us to come into the bank to bring a copy of the operation agreement which they should have already had a copy from XXXX. We missed the appointment with the banker. We honestly forgot to reschedule and we never heard from them again. Needless to say, they closed both of our business accounts without notice and are telling us they will mail our funds " FIRST CLASS mail ''. Combined both accounts had balances of over {$150000.00}. I've asked them overnight or at the very least provide us with a tracking number because it isn't a little bit of money but all they keep telling us is the check has already been mailed. I know that isn't true because they also said it is a 10 day wait before they will issue the funds. This is a business with payroll and office expeditures that we now have to go into our personal monies to pay these things because Wells Fargo handled this very poorly. No follow up phone call, email, regular mail, or alerts on the account for us to see.
Product: Credit card or prepaid card

I received a letter from Bank of America stating that they received a credit card application in my name ( which I did not submit ). I think that I am now a victim of identity theft.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$530.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have not made a payment since XX/XX/2017on this account but every month for the past four years, it shows that I have made a payment for each month so it stays " current ''. It should have dropped off my credit reports by now but thanks to this error, it still burdens me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus 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 are 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 you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
Product: Mortgage

my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted XXXX, Transunion and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5.XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX  - Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX XXXX
Product: Debt collection

I am XXXX XXXX, my phone number is XXXX. Last XX/XX/2021, I booked a ticket at XXXX. When I placed my booking, I paid it with Affirm. After paying it, there was a prompt in that said, this rate change from this amount to this amount. The new amount was HIGHER. I did not confirm the booking. I tried it several times but still there was always a prompt after paying it that said, this fare had changed rate. Which is always higher from what I selected. Affirm can see it in there system that there was an incident that I have several loan request that day. Unfortunately, even I am not confirming the new rate, the booking went through as per XXXX. But at this moment, I am disputing this loan to XXXX. I told them that they should never have a booking be paid first then after that they will change the rate. The dispute with XXXX  is ongoing. What I am requesting with Affirm is a little consideration. Considering this loan is still on dispute, I am asking them to PAUSE the payment. I am a family woman, I am the only one working for my family. My husband takes care of my daughter XXXX y/o daughter in XXXX. Then right now, I will be going back to XXXX this XXXX to get my daughter. I paid almost {$3000.00} right away from our tickets. Then I need to be quarantined in hotel where I will be paying too. My son just graduated too from XXXX XXXX that I spent some too going to Oklahoma. I am financially stuggling right now then Affirm is insisting me to pay something that I never confirm due to being unfair of process of XXXX. All I ask is for them to pause the payment. They said, they stand with merchant side. Even the merchant is unfair? I hope in case a loan that posted in Affirm and a customer dis not availed it and only went through due to lapses in merchant system, I hope in this case there can be a consideration to pause a payment. It is totally unfair to customer who dis not even avail the service the are oblige to pay. All I am asking to Affirm is a consideration. Please help me in this concern because their policy is not fair being one sided and the customer suffer a lot. Please consider the cry of customer. They are asking me to pay a loan I did not use. And they are on the side of Merchant that deceive a customer by giveng a lower fare rate then at the end of payment they will increase the rate. Thank you!
Product: Debt collection

I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX off the XXXX XXXX XXXX # XXXX this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX. When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX  at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX in XXXX CT. Tel # XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX CT. This attorney seemed to pass on from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the Connecticut XXXX Association. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX # XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my # XXXX XXXX that was XXXX   XXXX. As soon as the XXXX wore off the XXXX was hurting, and it was XXXX. I used care credit to fix the XXXX and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney XXXX XXXX XXXX XXXX that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX. 

Sincerely Yours XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Paypal credit account that offer promotional deferred interests. Cardholders have the latitude to pay on or before the account in full before the due date or until the promotion expires. I made a payment of {$2000.00} noticing that I have a few promotions which will expire. I contacted Paypal and I was given misleading information, stating that I need to call them manually. This is not right that if I made a payment which goes to the balance and satisfies most of the promotions, why is not applied to those purchases? 
I find this to be misleading and a practice of scamming individuals who pay their bills on time. I need Paypal Credit to do the right thing and apply my payments to satisfy these promotions so I am not held responsible for these interests and calling should not be the way to do so if a customer decides to make the payments via balance transfer or otherwise.
Product: Debt collection

This is the same problem that was resolved in my last CFPB complaint. I do not understand why this is occurring again, this time with a different collection agency. Please help me resolve it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX  was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Avid, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XX/XX/2018 I was contacted by a company called XXXX XXXX XXXX representing XXXX XXXX XXXX in relation to an account with XXXX XXXX XXXX which was a direct result of identity theft and in which XXXX XXXX XXXX has agreed and absolved me of all relation with this account. I was told by XXXX XXXX  XXXX that i owed a balance from this company. I paid this amount under duress to prevent my credit score from hurting further. I have sent faxes to XXXX XXXX as well as letters demanding the payment to be paid back to me immediately. This was a deceptive collective of an debt I did not owe. I will pursue legal recourse if this matter isnt settled here. I am demanding my {$400.00} back immediately otherwise the amount i will be seeking through legaslative matters would far exceed this. XXXX has acknowledged receipt of all documentation in relation to my dispute but has not responded via letter nor phone call. I have had to reach out personally only to find out my claim has been denied by the highest level possible without merit nor just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquires or give permission for these companies to run my credit for the following Company : XXXX  Inquiry date : XX/XX/2022 Company : XXXX XXXX Inquiry date : XX/XX/2022 Company : XXXX XXXX XXXX : XX/XX/2022 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This company pulled my credit report on these dates unauthorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, # XXXX, has violated my rights # XXXX XXXX  XXXX # XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furmish a account without my written instructions
Product: Debt collection

Received notification about a collection account on my credit file. No validation that the debt belongs to me. This company is in violation of the FCRA.
Product: Credit card or prepaid card

I got an AMEX Gold card that carries an annual fee of {$350.00}. I closed the account before the promotion ( 1st year fee waived ) ended in early XX/XX/2018. But I was billed for the annual fee AFTER the acct has been closed. I have called AMEX after received the bill, and AMEX promised to stop the erratic bill. It has been over a year since then, and I still receive the bill for {$350.00}, yet the bill shows that the acct has been closed. I called AMEX last month, the rep claimed that the fee can't be waived. I requested to speak with his supervisor. He told me that his supervisor will call me within 24 hours. The call never came, and I still continue to receive the bill.
Product: Credit reporting 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. 

Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
XXXX XXXX XXXX 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, XXXX and XXXX credit bureaus have already corrected the status of the account stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting I have attempted twice to fix credit reporting in regards to a XXXX loan with XXXX. I have two consolidated XXXX loans which remains in good standing and was in forbearance status due to the COVID19 pandemic. Equifax continues to show the account as negative with an open balance of - ( negative ) - {$21000.00}. Equifax is showing the account as an installment with an available balance in a negative balance which directly affects my credit score. Equifax is showing the XXXX loan balance as {$37000.00}. This is incorrect. I have 2 consolidated loans with XXXX listed below : Consolidated Loan {$36000.00} in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX Consolidated Loan {$21.00}, XXXX in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX. My total XXXX  loan repayment is {$57000.00}. Repayment to begin on XX/XX/XXXX with monthly payments of {$290.00}. 
I began making regular payments after the forbearance as of XX/XX/XXXX. I have attempted twice to fix the issue with XXXX and also mailed, faxed, and submitted a dispute via the www.equifax.com website. I have not been able to obtain a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't have any idea why this inaccurate account is showing up on my credit report so please check the documents I've sent.
Product: Debt collection

XXXX XXXX turned a debt over to a credit agency XX/XX/XXXX for a debt claimed to be owed from XXXX under my maiden name. I was a customer with them for many years. I went to XXXX and requested they check my account. They confirmed I did not owe anything and had nothing past due. They also confirmed that at no point did I have any charges that could possibly equal the {$160.00} they have listed as owed on my credit score. They even sent me a {$12.00} refund in XX/XX/XXXX when i cancelled their services. I never received any email or mail request to pay any past due balances from XXXX or the debt collection agency, XXXX XXXX XXXX. Phone number showing XXXX on my credit report. I requested paperwork be sent on XX/XX/XXXX and nothing has been sent. I provided my actual email Address and my phone number because nothing that had matched up with my information. Clearly showing that it was not me that had this account, but that wasnt enough to help.