23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an 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 or 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, credit repair services, or other personal consumer reports

These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!
Product: Bank account or service

I sell XXXX online for payment with paypal. I follow strict customerId and XXXX procedures. I had a customer buying large amounts of XXXX from XXXX through XXXX 2015. 
We collected multiple selfie with id pictures. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, PayPal determined there was near XXXX probability that her identity had been stolen. PayPal initialy refused the claim of unauthorized transactions. 

After a week though, paypal now claims that her bank did reversalson all {$1800.00} that she spent. PayPal want me to pay this. 

I have asked PayPal for futher information to assist with filing a police report but paypal wo n't provide any. I do n't think I should have to pay paypalback if they wo n't provide further information for me to provide to law enforcement agencies. 

Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I amout nearly 100 % of the cost unlike music, videos, or software that are only copies. 

Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent modeling opportunity that resulted in identity theft and a negative report on my early warning record. 

On XX/XX/XXXX, I received an email from scammers offering a modeling opportunity. Their email address was XXXX. After applying, they responded on the same day congratulating me on my acceptance and stating that they would send a pre-payment check. The check was sent on XX/XX/XXXX, and the scammers took a picture of the postal outside my door through SMS from their phone number XXXX. I deposited the check immediately, but my bank informed me that it was a fake/bad check. My account was closed permanently and reported to credit bureaus, which caused difficulty in opening new bank accounts due to early warning reports. 

I provided necessary documents to early warning credit bureau such as the police report, conversation with the scammers, email address, phone number, and FTC report to early warning via fax. These documents clearly indicate that I was a victim of identity theft and had no knowledge or involvement in any fraudulent activity. The scammers had access to my personal information such as my full name, address, phone number, Social Security number, and bank account details. 

This unfair report on my early warning record is affecting my ability to conduct financial transactions and obtain credit. I believe that this report was filed wrongly and unfairly, since I'm also new to the system and the country. I have provided all necessary evidence to support my case and request that the CFPB remove this report from my early warning record. 

Please contact me at ( XXXX ) and/or ( XXXX ) to discuss further and provide a resolution. 

Thank you for your attention to this matter. 

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

I will need to work on improving my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's important to have a good credit history in order to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I was unable to do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character in accordance with the 15 U.S.C. 1681 statute.
Product: Credit card

I am requesting copies of all charges, receipts, visits for each account and signed agreements. On XX/XX/XXXX I stopped by the XXXX location to ask about receiving credit for unused time that my vehicle was tied up with the insurance company. At that time I was asked which account, I was unaware there was XXXX accounts for the same vehicle. I cancelled both accounts and asked for a refund for unused time and was told no problem since it was shown on the computer. When I received my credit bill I was shocked that only 3 months were refunded for the XXXX account. When I asked the manager via phone conversation XXXX he stated no such receipts can be printed or produced. When asked for a refund or future credit, it was denied. XXXX stated he was the highest level of XXXX XXXX for me to contact and instructed me to fill out the contact me on the XXXX XXXX website. The manager of the XXXX location contacted me and stated I needed to speak with XXXX, putting me in an endless loop of customer support that would not resolve this error. 
I am writing to dispute XXXX duplicate charge of {$15.00} per month for the period from XX/XX/XXXX to XX/XX/XXXX and XXXX charges of {$20.00} per month for the period from XX/XX/XXXX to XX/XX/XXXX to my Chase credit card account ending XXXX for a total of {$270.00}. The charge is in error because these are duplicate charges for the car wash service for the same vehicle. There is an apparent glitch in the camera system / computer software that scans license plates for car was entry and duplicate accounts created for same vehicle. For example, the items werent delivered or services rendered as the last visit for that account was on XX/XX/XXXX because the XXXX account was being charged as XX/XX/XXXX was the last visit date. 
Since no goods or services were provided for the duplicate credit charges, and no receipt or agreement was provided. I am requesting that the error be corrected related to the disputed amount to be credited to my credit card account or check mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX. XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a vanilla debit card from my neighbor for {$50.00}. 

On XX/XX/XXXX I attempted to use the card to make purchases at XXXX and XXXX, however the card would not work. I called the card 's customer service and explained the issue. I was informed that I only had a {$5.00} balance on the card because there were previous charges to the card as far back as XXXX. The representative suggested that I submit a dispute for unauthorized charges on the debit card. 

On XX/XX/XXXX I received a letter from " XXXX payments '' located in XXXX, GA which references ticket XXXX. The letter stated that they complete their investigation regarding my dispute, however the payment networks only allow recovery of transactions within 60 days from the date the transaction cleared. They have closed my dispute with no resolution. 

The response is and lack of resolution is unethical. I disputed the charges within XXXX day of receiving the debit card as a gift ( XX/XX/XXXX ). If the representative 's claim ( that there were several charges going back to XXXX ) is true, how could they expect that I or any consumer file a dispute within 60 days of said transactions?
Product: Debt collection

Affliated credit Services calls me repeatedly. I made payment arrangements with them back in late XXXX early XXXX. They have continued to call me as if I 've never made those arrangements. When I tell them I have they check their files and can clearly see I have. It 's " been sent on to a supervisor '' twice now. I 've told them I 'm filing harassment charges. I have phone records on both my cell and land line to prove this. They need to stop.
Product: Mortgage

do not think I enjoy or have time to keep filing complaints but much remains unresolved. number one I  do not have as I previously requested the NOI from XX/XX/XXXX. I was sent one from XX/XX/XXXX when forclosure was never filed and I never got that either. Do not make allusions in your answer to the amount of complaints I file. I never have time for the horrible, untimely service you provide. Non specific and evasive. I submit there is none since I received nothing. Do not tell me to contact the law firm. Appropriate legal filings have been filed. Do not send me previous responses as all are not effective. Just like the one you will send here. I want NOI frpom XX/XX/XXXX that was sent to me supposedly that I never got. Its supposed to be sent certified mail. I submit I received nothing.Additionally, I do not understand the property tax explanation in the last response and want to know that what I sent in was applied exactly what is short in terms of what is short if I was current which I realize I am not. do not in your responses as has been done previously send me copies of previous answers this does nothing but annoy or tell me to call the foreclosure mill you are working with. Both are ineffective responses. For the record, while I called the home preservation specialist many times to cooperate with loan modification process and to receive clarity for what is needed. I never heard back. NEVER with messages left XXXX XXXX
Product: Credit card or prepaid card

Your problem options did not actually have my issue so I checked closest. This is kind of a small thing but it concerns me they are doing it to everyone ; when I applied for my XXXX XXXX XXXX credit card online, there was a checkbox, already checked, to expedite receiving the card for an extra {$15.00} fee. I unchecked the box ; I was in absolutely no hurry. But they expedited and charged me anyway, and when I complained, they said they could not reverse that charge because " the application was received online. '' As though that somehow made it impossible for it to be wrong, I guess? First, that box should not be checked automatically to begin with, and second, I am POSITIVE I unchecked it. 
{$15.00} charges, over a lot of people, for something that probably costs them much less than that, is making them a lot of money and in my case, at least, was fraudulent treatment. People are probably just glad to get approved, it is n't all that much, how many people will bother to complain ; I hope a lot of us do and they have to pay us all back some day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$1800.00} XXXXL XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I purchase a vehicle for {$6000.00} but at didnt have the full amount I give the {$4000.00} a month later a received a phone call from MidAtlantic finance they told me that I have a loan with them for the vehicle that I purchased. 6 months later I have trouble paying the car then the come and repossess the vehicle and told me that I purchased the vehicle for {$11000.00} something now I have {$6000.00} something to pay back when I ask them for the vehicle back they told me they sold it on a auction for {$4000.00} something and I still have to pay them back so please help me with them Mid Atlantic finance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 1972 Fair Credit Reporting Act XXXX  Account XXXX # XXXX ( TU ) # XXXX ( 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. Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Someone placed a phone call to me. I told them that this was not my debt and i didnt understand where information was coming from. I was told that legal action would be starting and then hung up on. They also made a phone call to 5 of my family members within a hr of hanging up on me. I was given no information other then my name and I very old address to which i had grow up on more than 20 yrs ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX Bankruptcy XXXX # XXXX XXXX XXXX XXXX  # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I paid MOHELA {$11000.00} on XX/XX/year>. So, I paid in advance through XX/XX/year>. Per the person I spoke to at MOHELA, MOHELA processed the payment and marked my account as " PAID IN ADVANCE. '' Federal Student Loans called MOHELA in XXXX ( I received a letter in XXXX ) and asked them to put my account in forbearance. So, MOHELA did so. HOWEVER, MOHELA should NOT have bc I had already PAID and MOHELA should have informed Federal Student Aid of this fact and that my account did not need forbearance starting in XXXX. 

The SAVE plan was not put on hold until XX/XX/year>. So, why would my account need to go into forbearance in XXXX or BEFORE XX/XX/XXXX, especially since I paid my in advance? 

On XX/XX/XXXX, I submitted my PSLF form to Federal Student Aid and because my account was in forbearance, Federal Student Aid did not count XXXX OR XXXX. Now, my qualifying payments are XXXX INSTEAD of XXXX! I should be done and this mistake is preventing my loans from being forgiven. 

Thanks for reviewing my concern. I look forward to hearing from you. 

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

The name of my only checking account card that I have had for DECADES changed a few years ago and that was interpreted as a change in credit thus saying I had a relatively SHORT credit history!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1997, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado Housing Finance Authority had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXXXXXX XXXX  paid off in full from XXXX XXXX paid in full not showing on credit report.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my free credit report from both XXXX and transunion and they said there was an issue preventing me from getting it online. I do not have reliable access to a mailing address so a snail-mail approach is not a sufficient fallback.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted two representatives on two separate occasions in order to get this rectified at XXXX  The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i had ask for your help in later of XXXX I was told to contact Plaza XXXX for more information!!!! i had told Plaza XXXX that i had been trying to get this account fixed!!! I had sent them the police Reported that im summitting to you Now!!!! I was told that ... they will close my account so i wont get any more phone calls, But they can not Remove to collection because the DID NOT REPORT IT TO THE CREDIT AGENTCY.
Product: Money transfer, virtual currency, or money service

I am filing 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 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.