23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I opened a PayPal account to get my covid 19 direct deposited .Well after a few transactions they lock my account up with no explanation, then when I ask about it they said I can no longer use pay pal and they were going to keep my XXXX dollars or 180 day. 
Now mind you this is government money giving to my family.They need to go to jail for stealing from american families. 



Case # XXXX.
Product: Debt collection

companies have not reapplied within 30 days its been over a year, also they will not send verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a deletion letter from Collection Bureau of America in XX/XX/2023. 

In this letter, the company promised to send a submission to the credit bureaus to remove the account. But the account still appears on my credit report. 

Please see the attached removal letter.
Product: Credit card or prepaid card

Subject : Cash earned or built up from Walmart Discover Card  ending in # XXXX. This card was originally managed by G.E. Capital Retail Bank until it was transferred to Walmart Master Card ending in # XXXX and managed by Synchrony Bank. My current Walmart credit card # XXXX was originally managed by Synchron Bank, but is now managed by XXXX XXXX. 

The last statement I ever received from Credit Card # XXXX with a closing date of XX/XX/XXXX showed that I had a cash earned balance of $ XXXX. This credit card built up cash from month- to -month as my previous statements show. ( I have all of the statements ). I received a postcard in XX/XX/XXXX saying this Walmart Discover Card was changing to Walmart Master Card and could not be used after XX/XX/XXXX. This Credit Card # XXXX had been managed by G.E. Capital Retail Bank until Synchrony Bank took over in summer of XX/XX/XXXX. The new Credit Card became Walmart Master Card # XXXX managed by Synchrony Bank. I have this Credit Card ending in # XXXX which was valid through XX/XX/XXXX as shown on the card. Nothing was mailed me showing me that my cash of {$1.00} was transferred to the Walmart Master Card # XXXX. 
I have spoken to XXXX, Supervisor, @ Synchrony @ XXXX on XX/XX/XXXX. She said things had been transferred to XXXX XXXX, and it was XXXX XXXX 's problem. I spoke to XXXX, Supervisor, @ XXXX XXXX XXXX on XX/XX/XXXX. She said it was Synchrony 's problem -- not XXXX XXXX 's.. 
I have asked each of the above Supervisors, XXXX and XXXX, to transfer my {$1.00} to my current Walmart Credit Card # XXXX as a credit or mail me this amount. Neither of them agrees to do this. 
Synchrony Bank should have notified me back in XX/XX/XXXX what was happening to my {$1.00}, but they did not.
Product: Debt collection

On XX/XX/2018 I filed a complaint very much similar to this same complaint with this exact company wth exact amount and account number. I requested debt validation and to have this removed from my credit file untl futher notice or the amount alleged that is owed was paid. On XX/XX/2018 the company responded with the following statement " The matter has been placed in a properly disouted status along with credit reporting bureaus. We have requested from our client XXXX, the itemized Bill and Signed Admission Form for consumers review. '' Subsequently the item was removed from my credit file as per my request. On XX/XX/2018 The item has been once again added to my credit file which has caused my credit score to drop significantly which displeases me tremendously. First I thought the companies wording " The matter has been placed in a properly disputed status ... '' was a play on words. There was never any intention of verifying this debt with me and it was simply a bid for additional time to once again add it to my credit file I have attached a copy of the previous complaint dated XXXX, XXXX Complaint # XXXX Under the circumstances I now am requesting this entire file be deleted from my all reporting credit reporting bureaus and closed. If not I will be forced to contact an attorney for violation of FDCRA. I was told I would receive information regarding this debt and I have NOT. I was told it would be removed from my credit file and it has NOT. I am now saying that this will be my last request that I process for FREE. Any additional complaints will be charged to Ability Recovery Services at a rate of no less than {$120.00} per hour with a mininum of 1 hour or {$120.00} charge. 

At this point I am NOT requesting for verification, I am demanding a Total Deletion.
Product: Checking or savings account

Navy Federal Credit Union wrongly flagged my account and restricted my funds for sending two wires in the same week. The funds were sent to my account via ACH by me from my crypto account. I have sent security appeal forms with proof of the sender account, but they are continuing to withhold my funds until they receive a reply to their swift message from another institution. I contacted that institution and they told me that they can not legally discuss swift messages with me, so now I am at loss for what to do. They even said the restriction might be permanent and they'd close my account despite the fact that my funds aren't fraudulent. I have been banking with Navy Federal for about 11 years and I have never had such a problem with them, and it is a huge financial blow for them to close my account based on a false assumption that my funds are fraudulent. The funds are approximately $ XXXX and they have been holding on to my money for months. I want to submit one more source of proof that my funds were sent there legitimately. I feel like this drawn out restriction is illegal.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation.

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process.

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : XXXX XXXX XXXX  Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item. 

Pursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

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

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX  XXXX XXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. Specifically, the date of charge-off for this account is reported differently : XXXX reports the charge-off date as XX/XX/2020 Equifax reports the charge-off date as  XX/XX/2020 Since this information is being provided by the same data furnisher, it should be consistent across all bureaus. The discrepancies in these dates are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that all information on a consumer 's credit report is accurate and consistent. 

I have documented and saved all my reports, as well as your previous failures to correct and delete the inaccurate information despite multiple attempts. This letter serves as an escalation of my previous attempts to have these errors corrected. 

Given the inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. Enclosed with this letter are copies of my credit reports from XXXX and Equifax highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please confirm in writing that this account has been deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I sent a letter regarding inaccurate things on my credit report til this day over 30 days later. I have not received a response yet. I think I am being ignored on my disputes by my auto loan company. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 30 days so they should be deleted promptly. I demand these late payments be updated or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, my social security card, and original disputes.
Product: Mortgage

Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, Tenn XXXX I was XXXX and on XXXX because of a XXXX XXXX I have only ever had a XXXX payment as my income, Vanderbilt excepted this 18 years ago, now my Mother and Fathers health is failing my Father is on XXXX Now they both live with me and my XXXX years old son, we only have around {$1200.00} per month between us coming in to the home. 
I have tried to talk to Vanderbilt several or actually I had a friend talk for me in my presence because I have a difficult time expressing myself because this is my home and I get very emotional, the last statement I received from Vanderbilt was on XX/XX/2019 was asking for a payment of {$27000.00} before the will discuss a modification. I do not know what to do, I realize now I was taken advantage of, I welcome any help you can offer. 

thank you
Product: Debt collection

I used to live at XXXX XXXX  apartments. I had to leave because they refused to fix the poor water issues, the ants, mice problems, and AC/heater issues. I had always paid my rent on time. I had XXXX children living with me at the time and I had to leave every morning for about 7 weeks to get them showered and ready at a different home. I had complained several times and no one did anything. I ended up leaving on XX/XX/XXXX of 2018 and i went elsewhere, because i needed my home to be a safe place for my children. I knew about the breaking of the lease, and the cost of {$1800.00} dollars. I left and the credit collectors kept calling and calling. I did try and work out something with them and they wouldnt hear anything i had to say. I tried payments and even tried to settle, but they said they do not settle and i owe them. I do not feel like i need to pay for this especially when they didnt keep to their end of the lease. Now the cost is over {$2600.00} dollar and i refuse to pay them. Plus i am taking a hit on my credit and that makes me even more furious because now i am having a hard time renting. 
I feel like i was wronged and i do have others that were in the same boat, but they also left. The rodent issues were all over the place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXXXXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XXXX XXXX, 2024, disputing a debt claim made by National Credit Systems regarding an account with the original creditor XXXX XXXX, in the amount of {$500.00}. Despite my requests, National Credit Systems and XXXX have failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : 1. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
2. Insufficient Account History : The documentation provided does not include a detailed account history showing the transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
3. Failure to Provide Proof of Assignment : If National Credit Systems is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX XXXX to National Credit Systems. 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of estoppel by silence, assuming that no proof of the alleged debt exists. 

My Demands : 1. Immediate cessation of all collection activities until the debt is properly validated. 
2. Immediate removal of the inaccurate information from my credit report. 
XXXX. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows someone tried to open a new account with exon bin my name in XXXX of this year and wont give me any more information
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Today I noticed that chase Bank pulled my credit without my approval. I didn't give any authorization for chase to pull my credit and I have no chase products. XX/XX/2022 is the day my credit was pulled. Please investigate, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I paid the Lobel Financial of {$8300.00} last XX/XX/2018 as to settlement on this agreed amount for the debt I owe them. 
Yesterday I obtain my credit report thru XXXX and came out the result that Lobel Financial didn't updates my status to the credit bureau. When I called them the person on the legal department was very rude to me over the phone because I insist to him that it should be cleared and therefore I request to him for an immediate action but instead he replied investigation should be proceed first and it takes 60 days. 
This is not fair I told him then I said I will complain to the CFPB then he replied you can complain as much I want. 
Please help me. I will attached my Financial Refinance Statement that I settled from the XXXX XXXX XXXX  along with the Recent Credit report from XXXX. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ZIONS DEBT HOLDINGS LLC showed up on my credit report today XX/XX/XXXX. I have been a victim of identity theft in the past and things come up in Florida from time to time. There have been reports filed in the past and I have no knowledge of an account from XXXX which seems to be a home security company. Shows debit was purchased by ZIONS DEBT HOLDINGS LLC in XX/XX/XXXX. I have lived in the same house for over 15 years and have XXXX has my home security system which is currently paid up to date. 


Again no knowledge of this account, Identity theft Victim.
Product: Credit reporting or other personal consumer reports

Ive Disputed these inaccuracies multiple times requesting for the inaccurate information to be updated and nothing is ever fixed, updated, or deleted.
Product: Credit card

On XX/XX/XXXX I called to make my car payment of {$260.00} to XXXX XXXX of XXXX, Indiana. It immediately showed it come out of my XXXX XXXX account on chime. My car company immediately informed me that it declined due to my bank institution. Ive made this payment on this specific debit card for over a year with zero issues. I looked at my card charges on my account and it then showed that {$260.00} was pending. I waited and checked it again on XX/XX/XXXX thinking it would go back to my card. It did not. I contacted chime and they assured me that it would be in my account within 7 business days. On Friday XX/XX/XXXX I contacted chime again and they told me that the charge had went through. It did not. I contacted the merchant ( my car company ) and they assured me they did NOT receive payment. I called chime support and they filed a dispute and collected all information that I have stated here. Told me it would take 10-20 business days. XX/XX/XXXX chime emailed me about my dispute asking for more information. I provided them with screenshots showing the money was gone from my account, and a text message from my car company stating that the payment of {$260.00} was declined and still outstanding from XX/XX/XXXX. I also provided them with the phone number so they could contact the merchant themselves to help move alone their investigation. Did not hear back from anyone for several days. XX/XX/XXXX I receive an email stating that my dispute claim was denied because they supposedly completed their investigation and decided that the merchant did receive the payment. THEY DID NOT. I still have an outstanding balance of now {$270.00} because of a late fee now from XX/XX/XXXX. I would love chime to FIND MY MONEY AND RETURN IT TO ME. I have been a loyal member since XXXX.
Product: Checking or savings account

I placed an XXXX XXXX  delivery order from " XXXX XXXX  '' for {$27.00} on XX/XX/year> at XXXX. I paid with my Cash App card and never received the order as the restaurant told me that it was stolen and that XXXX XXXX  needed to dispatch the order once more. Thus, I was surprised when a delivery person delivered a XXXX order for a " XXXX XXXX '' shortly after. I have filed XXXX Cash App disputes ( with documentation of what I ordered, what I received, my communication with XXXX XXXX, and XXXX XXXX  ' refusal to refund me ) to get my money back as of the submission of this complaint and have yet to be refunded. Cash App also closed my account after I filed my initial dispute on XX/XX/XXXX, claiming that I violated their terms of service but have not been able and/or willing to tell me how and reopen my longstanding account with them.
Product: Debt collection

disputed unknown collection account with XXXX no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report XXXX is owed without any evidence.I do not believe any such account is valid.
Product: Debt collection

This company is reporting a collection on my credit report with account number XXXX. On XXXX XXXX, 2016 I sent this company a letter requesting validation of a collection they are reporting on my credit report as paid. Not only did they completely ignore my letter, but they are also still reporting the unsubstantiated mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a consumer credit reporting agency, was recently ( estimated XXXX 2017 ) breached and sensitive customer data exposed to would-be identity thieves. Equifax had insufficient security in place to prevent this breach, and has tasked the consumer with following steps manually to freeze, monitor, and track their existing credit reports.
Product: Credit reporting or other personal consumer reports

I wrote a letter dated XX/XX/year> to Experian disputing claims falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items or were not mine. I explain in the letter that this letter was a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. that you are reporting inaccurate credit information. 

I explained to Experian that they received a prior US Certified Mail on XX/XX/year>, and that they failed to act according to the FCRA, as they had not produced any documentation that validated any claim from the alleged creditors. 

The failure caused me to write a second US-certified letter for Experian to comply with the FCRA within 30 days of receiving this letter. I expect either for the removal of the erroneous accounts or for Experian to provide validation with actual documents. They failed to do both.
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 Have both 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