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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report. 

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX  Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA XXXX XXXX Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX CAROB CT XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, XXXX XXXX XXXX  XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

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

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 3. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS THD/CBNA Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

I have been a US Bank account customer for about 10 years. I believed most of the 10 years I paid and used the account with no problems. However due to a decrease in my income I sought help with US Bank and they said they were n't able to help lower my interest and or my monthly payment. I sought assistance with XXXX XXXX, a debt management company. XXXX XXXX charged me a fee of {$30.00} and I sent the fee along with the monthly payments they negotiated with the banks. However, after paying XXXX XXXX, I learned that my payments were not being received timely to my accounts, and that I was left with zero to even pay my necessary bills. I cancelled my contract with XXXX XXXX and contacted all banks myself. I was able to acquire a more reasonable payment plan and lowered as well as ZERO interest rate from the banks, except US Bank. US Bank claims that I can not cancel my agreement with XXXX XXXX and that I am required to pay US Bank the same amount {$190.00} that was negotiated by XXXX XXXX. In order to keep my home and not default on the mortgage, real property taxes, and homeowners insurance, I send US Bank what I am able {$150.00} which is actually more than what I can afford. In addition to my decrease in my income where I was forced to retire XX/XX/XXXX since my employer eliminated my job position, recently XX/XX/XXXX I was diagnosed with XXXX XXXX. I had the surgery on XX/XX/XXXX for removal of the XXXX. I have been trying to get US Bank to consider my situation before I have come to CFPB for help. I am in dire straits now as I only have {$11.00} in my bank account and I have had to go to the VA hospital for my follow up XXXX appts and I am feeling like things are very bleak. I do n't know how things are going to turn out now. I believe that US Bank is holding me to a contract I made with XXXX XXXX and this is not right. Please help me.
Product: Checking or savings account

On XX/XX/XXXX you received a message from Bank of America confirming that a temporary credit had been issued to my account for {$990.00}. This was a result of a fraudulent dispute filed on XX/XX/XXXX in my account against a previous rent payment in my account stating my landlord overcharged me.I also discovered my debit card was missing on same day, XX/XX/XXXX. Once the temporary credit was available, it was used at XXXX to make purchases equaling almost {$900.00}. these purchases were made with my missing debit card. I did not file this dispute or authorize anyone to do so. Also, on XX/XX/XXXX, two mobile check deposits were made into my account. these deposits and the checks were fraudulent and were not made by me. Once the funds were available, these were used to make fraudulent unauthorized purchases at XXXX, using same debit card .I notified your bank immediately and once all the transactions were posted and reversed, the fees that occurred from items being returned due to insufficient balances resulted in my account with a negative balance around - {$1900.00}. Bank of America is refusing to reimburse me for these unauthorized transactions and bank account takeover. I have filed Identity Theft reports with the FTC, XXXX and have filed a Police report. I have provided said reports to Bank of America. Under XXXX XXXX i am not responsible for unauthorized transactions.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   2013  30 days past due as of  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

On XXXX XXXX, I received an email from Experian. 
Subject : Notification : Your XXXX Score has changed! 
I clicked the button that read : " Check your XXXX Score Now '' I landed on a webpage with XXXX buttons. " See all XXXX scores '' or " See XXXX score '' There was absolutely no indication I was placing an order. 
No information that my credit card would be charged. 
No visible dollar amounts. 
No please review and confirm your order page. 
No email confirmation that I had placed an order. 
I have been scammed by Experian as they charged my credit card {$39.00} without my authorization. I have sent Experian an email requesting a refund just prior to filling out this form. CFPB, Please see what you can do to facilitate a prompt refund of {$39.00}.
Product: Debt collection

Got a demand notice from Midland Credit Management. They have sent a notice that we owe {$170.00} from XXXX XXXX XXXX XXXX. This is not any kind of dept that we owe nor have we ever done any kind of business with XXXX XXXX XXXX XXXX. Looking online it is well known that MCM does this kind of scam. Federal government should take action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX XXXX 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 cna not furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditors & bureaus 60 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot mann
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge.
Product: Checking or savings account

Leaving my apartment complex, the leasing company returns our original security deposit in the form of check issued to whoever was listed on the lease. The {$1200.00} check was issued to my fiance and I and deposited in my CITI bank account. Within 4 days they restricted access to my account and dont allow me to access ANY money in this account, aside from the check. When i called to resolve they said they needed to confirm with the issuer of the check so they did, it was approved and verified by the issuing company and now they still wont give me access to my account. I have spoken to multiple customer service representatives and spoken to the fraud department multiple times, they have not given me any reasoning as to why this account has been restricted since XX/XX/XXXX. I have also asked to speak with a representative and been told i will receive a call back, which i have not received.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was contacted via email by a scammer who presented himself as an employee of XXXX XXXX XXXX.

He received my resume from XXXX and wanted me to work as his assistant and accounts receivable manager.

Once hired I received my first payment on XX/XX/XXXX and I deposited the funds. They were on hold for 2 days and once navy federal cleared them I went to the branch. At the branch before my withdrawal I asked the teller please make sure the funds have cleared all the way on the other banks end ( XXXX XXXX XXXX ). She came back after 30-40 mins and stated the check was good and cleared with the bank.

I withdraw the funds and head over to XXXX XXXX to deposit the funds into a XXXX XXXX account. I thought I was paying for my training and equipment..

2 days later I'm slapped with a {$3400.00} balance from this bad check I was told was good.

Navy federal refuses to provide me with a HOLD HARMLESS to settle the balance although I have a police report number and complaints with the FBI, XXXX XXXX, etc. I have provided them with the police number etc.

They should be protecting me. I'm a victim. I contacted the XXXX XXXX ( XXXX ) and they said their is a open investigation in the company because this guy is moving around the United States scamming people. He's been in XXXX, XXXX etc.

NAVY FEDERAL needs to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquire isn't recognized dates : XX/XX/2020, and XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred XXXX XXXX ( XXXX ) to my PayPal account. I made this transfer under the assumption that it was supported, based on PayPal 's advertised integration with the XXXX XXXX for facilitating transfers of PayPal USD ( XXXX  ). However, after waiting several hours without the funds appearing in my account, I contacted PayPal customer support. 

I was informed that PayPal only supports XXXX transfers via the XXXX XXXX and does not accept native XXXX ( XXXX ). This restriction was never communicated clearly during the transfer process, leading to my funds being inaccessible. 

This situation raises several concerns : Misleading Advertising and Lack of Transparency : PayPal advertises its use of the XXXX XXXX but does not make it clear that only XXXX is supported. The absence of this critical information has resulted in the effective loss of my funds. 

Inconsistent Treatment of Blockchains : PayPal fully supports Ethereum, allowing users to send both XXXX XXXX XXXX XXXX XXXX XXXXXXXX  to their platform. The same level of support is not extended to XXXX, despite its technological superiority and efficiency. This inconsistency is not explained and seems arbitrary. 

Partial Integration Without Justification : PayPal has already integrated the XXXX XXXX for XXXX transfers, demonstrating that the infrastructure for XXXX transactions exists. Expanding support to include XXXX  would require minimal additional effort, making their refusal to support it unreasonable. 

After extensive conversations with PayPals customer support team, they acknowledged the issue but have not resolved it. My funds remain inaccessible, and I have received no timeline or viable solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all there bureau for over 60 days now no response back, I also written XXXX XXXX these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX XXXX I would be filing a complaint. I will give you 30 days to respond back to me
Product: Student loan

In XXXX of last year I applied for the Student Loan debt relief as well as to receive an immediate refund for payments made during the Covid-19 period ( Totaling {$5900.00} ). On XX/XX/XXXX I checked my account and saw that my balance is back to its original value after ive made payments towards it for the past 2+ years. I reached through email support and was told " The refund request is still processing. By refunding your payments we will re-open the loan ( s ) on your account and there will be an outstanding balance on your loan ( s ) ''. After several months of not getting any updates I noticed that my balance was now {$0.00} on the loan but that was because the loan servicer was changed in XXXX of XXXX. From there I called my loan provider several times between XXXX and now to ask for a status of my refund. I was always told that it is processing until one day I was told that my refund was released to me by mailed check back in XXXX of XXXX which I never received. When I first put in the refund request I was told it will be refunded to me the same way I've made the payments which should have been a direct transfer to my bank account. I advised them I never received a check in which they said they need to audit my refund check to see if it was ever cashed and if not they would send it again. I called several times for updates up until XXXX of XXXX when I was told that I need to call the Dept. of Edu. as they are the ones processing the refund. Between XXXX and now I called the Dept. of Edu. 4 times for an update, the first 3 times I was told that it was still processing but the 4th time I was told by the rep " You need to speak to your loan provider because the dept. of edu. does not handle refunds '' I explained to the rep that my loan provider was who advised me to call them and that I was able to get a status of the request the past 3 times I called. The dept. of edu. rep still insisted this has nothing to do with them and that they have no way of checking any statuses for refunds. At this point I'm very frustrated with the situation as it has drastically been affecting my livelihood as with the increased debt on my credit report has lowered my credit scored and made it very difficult in my search for an apartment rental.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit report shows late over seven times. I was always on time. It was there processing and posting and accounting
Product: Debt collection

I was contacted by XXXX at Clark County Collections about a debt for XXXX, and i immediately notified her that i was disputing the debt. They have never sent me any verification of debt.
Product: Mortgage

An intent to foreclose with a settlement amount of approximately $ XXXX was received in XX/XX/2023. An application for loss mitigation was submitted on XX/XX/23 with a request to settle for less, I had to follow-up several times as I had not received a response. Reached out again when it was close to 30 days ( the notification timeframe required by RESPA ) and was told that my application was received on XX/XX/23 and that they had 30 days to provide a decision, however, the application was received by them on XX/XX/23 via email. on XX/XX/23 ( 36 days after receipt of the application ) I receive the list of options from Real Time and after only two months the amount to settle was raised to {$240000.00} almost $ XXXX more than the original balance. Also, the property value they used is exaggerated. I requested clarification as to what the additional amount of payoff consisted of. 
Additionally, right before the pandemic started, I had a list of options from Real Time to settle the loan which after speaking with a representative, I was assured the options were valid until a month later. as I was getting ready to get the funds together ( via XXXX withdrawals and other loans ), I was told the amount was no longer accurate and that the investors wanted more money. This company 's practices are unfair, deceptive, and abusive.
Product: Credit card

I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when.
Product: Debt collection

this account is a complete violation of the no surprise Act delete immediately my privacy is protected under HIPPA laws if you fail to delete litigation will follow.
Product: Money transfer, virtual currency, or money service

My PayPal account has ben permanently limited and close for no reason so I can't access my funds and withdraw it. I'm sure that I provide all documents needed. I was thinking that there's a mistake in their jobs.I 'm urgently need my money because of my medical porposes. I hope you will help me. My email intended into my PayPal account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of my FTC identity theft report to all credit bureaus to remove items that were fraud and not submitted by me. XXXX & XXXX investigated and removed those items. Equifax investigated and did not remove anything. This is causing negative effects on my life. 

{$1000.00} collection, I disputed with FTC.