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

My Company is an XXXX XXXX registered in XXXX with annual filed financials with the XXXX Authourities. I am the appointed representative for XXXX XXXX in a Number of XXXX XXXX. I also provide XXXX XXXX to a number of XXXX customers amougst whom is XXXX  XXXX XXXX. This Company recently sent me US $ XXXX against invoice for services rendered. It was transacted through XXXX XXXX XXXX thru a correspondant Bank Bank of New York Mellon Bank. This Bank seized the funds claiming my Company was involved in Money Laundering. On request all details were provided by XXXX  XXXX to XXXX XXXX. Their initial Ref is XXXX XXXX XXXX Ref on their provision of answers XXXX. The funds are still held by Bank of New York. The real issue here is complete disregard for small business and no means of contacting anyone at bank of New York. I have engaged legal Counsel and intend to sue. As of this stage after over 10 Days still no funds. I might mention that Bank MNellon did the same in a transfer by my Company in late XX/XX/2017 and seized funds destined for XXXX. So they have history that my Company is bonifide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX have both failed in correcting in accurate information only my credit report. I filed a dispute over my XXXX XXXX XXXX student loan what was not valid nor accurate. As well as the lack of information provided by both has been null. I request validation of the debt as well as proof of late payment. They both sent me nothing but stated they were verified without proof.
Product: Debt collection

I received XXXX separate notices in the mail from XXXX XXXX ( a debt collection firm ) regarding XXXX separate XXXX accounts in my name. I did not open these accounts XXXX  acct # XXXX or XXXX ref # XXXX for {$450.00}, XXXX  acct # XXXX or XXXX ref # XXXX for {$420.00}, XXXX  acct # XXXX or XXXX ref # XXXX for {$280.00}. 
I never received anything previously from XXXX. only from the collection agency. I called XXXX XXXX and filed a dispute stating it was fraud/identity theft. 
These XXXX XXXX accounts have showed up on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE HARD INQUIRIES ON MY XXXX I AUTHORIZED XXXX INQUIRY ONLY DELETE FROM XXXX   TODAY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Checking or savings account

I called Wells Fargo and spoke to a lady and asked her to stop all pending transactions in the amount of {$4000.00} and to place a block on the merchant in specific. She said she would and this conversation took place days before the transactions were processed and apparently they didn't do as I asked and {$4000.00} was taken out of my account. I disputed the transactions because that is what they said I had to do next and the very next day they closed the claim which wasn't enough time to investigate it! I sent emails and called wells Fargo to reopen the claim and a lady at the executive office called me and said she sent in a request to deposit funds back into my account and they denied it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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: Vehicle loan or lease

I went to a buy her pay her in XXXX. I had no money down and dealer wanted a deal. He put that I had a down payment of XXXX on a XXXX  XXXX XXXX. the payments was XXXX math. was making payments. all of a sudden car starts falling apart. rust and water damage let truck start falling apart start to complain he said I'm not in warranty. I gave them back there car and the auction the car for nothing now. now the want more money ... and it's damaging my credit report. please help remove thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) 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 their 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: Credit reporting or other personal consumer reports

I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : [ Amount ] {$XXXX}
Product: Student loan

Navient told me they would n't extend my Administrative Forbearance in regards to my Defense to Repayment application in XXXX correspondence and then another said they would. There is no communication between Navient, FSA, DOE, or any department. It 's conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following ACCOUNTS/BANKRUPTCY/INQUIRIES AND XXXX XXXX along with LATE PAYMENTS that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.
Product: Credit card

Received mail solicitation for credit card with a {$200.00} cash bonus if charged {$2000.00} in first 3 months. I accepted and received card on or about XXXX XXXX XXXX. The first bill dated on or about XX/XX/XXXX was for XXXX and the second bill dated on or about XX/XX/XXXX was for {$1500.00}. So the required {$2000.00} in charges were made within 3 months. But as of today XX/XX/XXXX I have not received the {$200.00} bonus I tried contacting bank by phone at their customer service number, but it is totally useless. Terrible service.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXXX - BALANCE {$2300.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXX BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under the FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written communication that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Student loan

I was reading my emails when I realized I had a message from XXXX XXXX monitoring notification, To my surprise, I saw that my credit score had dropped 30 points. I looked at the details too both XXXX and XXXX, I read that Navient 1 had reported my account to have 90 - 119 days late. 
I had a Chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX. I received a letter from the XXXX XXXX advising me that after the bankruptcy discharge there made be a letter sent from any creditors in which I had a balance if any. 
When I read my credit report I called Navient and explain to them that I have not received any letters or communications concerning any balance. This call was made in XX/XX/XXXX. During this call, I explained that I have not received any communication or letters from Navient in reference to this loan. In my bankruptcy, I had a balance high of {XXXX} down to the Navient present balance of {XXXX}. I agreed to pay the amount of {$XXXX} plus interest by XX/XX/XXXX, and continue monthly payments of {XXXX} until the balance is paid. All I ask is that the derogatory marks on my credit report be removed as per the dispute. I had to update the information on my profile because the information was incorrect on record. I hope Navient will remove the marks as requested.
Product: Debt collection

I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was XXXX  Unfortunately in XXXX  to XXXX, & my purse with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  obtained a judgment against me for a mortgage foreclosure despite many issues related to the mortgage servicing company. I have been attempting to contact XXXX XXXX  to determine the status of the debt but have had no luck reaching the right folks. 

The property address is : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my name legally XX/XX/XXXX, got married XX/XX/XXXX, and moved XX/XX/XXXX - I called all 3 credit bureaus XX/XX/XXXX to confirm my name and address was correct & all 3 told it was ... fastforward to XX/XX/XXXX & my mortgage lender says their request for my credit score came back as fraudulent from Equifax. 
I called Equifax 's customer care number on XX/XX/XXXX about getting my name and address updated & was directed to email, fax, or mail my Driver 's License & Social Security Card so that I could make sure there's no additional freeze or block & advise my mortgage lender to pull my credit score from Equifax again. I sent this via email & received " The reference number for this inquiry is Case #  XXXX. We have received your inquiry and are working diligently to process it. However, due to higher-than-normal email volume, there may be a slight delay in our response time. '' I called back XX/XX/XXXX and was told that they still need my documents, email is not a sufficient method of submission, and they don't have access to customer.care@equifax.com even though it was provided to me, also that my case # didn't help them with absolutely anything. They insisted I fax it, 10 attempts were all busy & failed. I called back and was provided the mailing address so now I have sent it that way too. On XXXX I got an email saying " I would like to inform you that your request has been completed '' I called the customer care number again and was told to resubmit my documents. I wrote a lengthy email back asking what I am supposed to do to actually get it completed. I was told it was being forwarded to the correct department & on XXXX received another confirmation that it was complete. I called customer care a 4th time to be told to resubmit my documents ... XXXX I was asked to provide court documents so I did & XX/XX/XXXX I got another email that this was complete, I replied to ask that they check themselves whether my name and address are updated before I call and get really upset, they replied XX/XX/XXXX " Upon review, please allow 5-7 business days for your request to show as the correct information. '' Please help me, I am unable to get approved for a loan or first-time home buyer 's down payment assistance because my Equifax credit score will not pull. I am at their mercy, their customer care center is in a foreign country, and no one at Equifax will help no matter how I submit my information.
Product: Debt collection

I wrote ( and called ) and told them ( the Debt agency and then their attorney ) NOT to contact me. They did anyway. When I called them again - to tell them read the letter you received a month ago and DO NOT CONTACT ME - they both ask can we call you for additional information!
Product: Debt collection

Between XXXX I attended the University XXXX XXXX XXXX XXXX for an XXXX degree. After submitting all the requirements and getting the financial aid letter from their school department with the eligibility to pay for my classes, they declined and re-issued a new letter stating that I was unable to get any financial aid. All of this came after the withdrawal deadline which they obviously know and did it purposely. I am demanding to this institution fully stop any further form of debt collection.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX XXXX {$75.00}
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 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my XXXX XXXX, A Line of Credit was being restricted from draws due to my credit. I never authorized a random pulls of my credit for this account. Secondly I was not notified in writing at least 30 days prior that my credit would be pulled to maintain the account. It was in none of the account documents. I had a been a good client up to that point making my payments and principal only payments on the card. On XX/XX/XXXX. I messaged them about this after having to search the internet for an email address as they provide only a phone number. I wanted a paper trail of record so I chose to email. O was responded to on the XXXX stating that they could not reinstate my account as they did not have authorization yo pull my credit. Nothing in regards to them pulling my credit was addressed. At this point I alerted them I would be filing a complaint with you for improper use of my credit report for a credit decision.
Product: Money transfer, virtual currency, or money service

I filed a dispute with PayPal back long ago as I was scammed {$12.00} from an online seller. Long story short, it was found in my favor. Now, even after I have closed my PayPal account, and spoke to a PayPaL, customer rep from the executive office stating my cases have been resolved found in my favor, and closed my PayPal account. I received email notification that PayPal is debiting my closed account. This is the biggest cluster ever where a major us company has no clue what its doing. I want the XXXX to stop PayPal from debiting my account for a case that PayPal executive relations found in my favor. There is no reason that I am being harassed continually from PayPal even after settling disputes and closing out the account. If anything there is money on my closed PayPal that needs refunded to me. In fact I have XXXX from XXXX that was refunded to my now closed PayPal account that needs sent to me. And PayPal will not help with this. They are illegally debiting my account and holding credited funds of mine.