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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX OF XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, I sent {$20.00} and {$230.00} to a man supposedly named XXXX through the app XXXX with the intention of buying shoes. I realized that he was a scammer after and tried to get a refund. XXXX states that their app is unintended for marketplace transactions and I also know that my bank has the power to reverse a transaction. I went to my bank on XX/XX/XXXX to try to get a chargeback. They called a separate office but I havent received word of any updates and feel like I wont receive a chargeback because I havent been updated about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Product: Debt collection

We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. 

Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. 

They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking account.
Product: Credit card or prepaid card

Since last year 2016 someone was using my best buy credit card, I called best buy and they fixed so i closed that credit card and they sent me a new one and the next month i received a bill from them that i owe them and i never activate my new card so i call again to best buy and told them about the situation so they fixed it and sent me a letter that was a fraud so i decided to close the last credit card and i never open a new credit card. and again i received a new bill from best buy so it was 3rd time that they were doing fraud and every time i called them they said do n't worry everything is taking care. so the last fraud { 4th time } i had couple days ago and i had to call XXXX to let them know that i 'm a victim of fraud because Best Buy ruined my credit score .I HATE BEST BUY. They did 4 times and every time i called them, they said everything is taking care and i hope this the last time that they are doing this to me.
Product: Mortgage

This is one of many complaints I have submitted regarding USBank 's business practice toward consumers. I as a consumer am requesting this complaint be reviewed thoroughly as possible " DISCRIMINATION ''. From a previous complaint submitted to you when I was sent papers regarding a Refy for my current Loan and was told I could chose the Title Company along with the workout as to what my monthly payment would be. Well, when I spoke to Loan Officer did not provide me an explanation as to why the Refy was not going through. Well in following up on the Complaint that was submitted. I was provided a number to contact USBank to obtain the response they provided you. In reviewing the response to you, USBank did not tell the truth. I never asked for ''CASH OUT '' and not at any time did the Loan Officer give me an explanation as to why we could not forward on the refy. I have also tried reaching out to the Customer Advocacy Specialist, but as of today, have not been emailed back or received a call back. As a consumer I feel as a " XXXX '' I AM BEING MUTILATED
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I set up a personal fundraiser through PayPals Generosity Network. I requested to raise the maximum amount allowed of {$20000.00}. The fundraiser was set to be live for 30 days, through XX/XX/2021. I followed the guidelines precisely. Then I sent the link to my fundraiser to some family and friends.

In my fundraiser, I asked for help paying with for an extraordinary amount of XXXX XXXX XXXXXXXX I need to have but, for which, I do not have nearly enough money. 

Within a short period of time on XX/XX/XXXX, a friend donated {$500.00}. I was notified by PayPal. My friend also sent me an email to that effect. 

Almost immediately, PayPal placed limitations on my account, limitations which prevented me from accessing my money. They offered no explanation other than something was suspicious. I am guessing they could not believe a friend would give a friend {$500.00} to help her out. 

Over the next four days, I continued to receive emails regarding more information I needed to provide. I was able to provide most of the info, but not all of it because the website kept crashing when I tried. 

Over the course of this same time period, I spoke with at least seven different people, none of whom would tell me why the restrictions had been placed. They just kept telling me I had violated the user agreement. Plus, they kept referring to the goods I was selling. I WAS NOT SELLING ANYTHING. IT WAS A DONATION ACCOUNT INTO WHICH MY FRIENDS PUT MONEY TO HELP ME WITH DENTAL EXPENSES. 

Ultimately, on XX/XX/XXXX, i received an email telling me I was permanently banned from using PayPal and that they were holding my money for 180 days to investigate the suspicious transactions. They also insinuated that I was selling illegal merchandise. 

I then emailed the corporate headquarters and each of the three top executives. On XX/XX/XXXX, I received a phone call from someone saying he was from the corporate office. He promised to resolve things. Well, he did nothing but give me the same empty speech about my account being permanently blocked because they suspect fraud. No explanation regarding what fraud they believe I committed. No explanation about a personal fundraiser was somehow categorized as selling merchandise, merchandise they said was either not delivered or was illegal or both. 

I dont know what to do because I dont know what I did wrong. I have since found out that PayPal can hold peoples money for whatever reason they want, and they do not have to explain why. How can this be legal? Plus, how can they legally accuse me of wrongdoing but not tell me what the nature of that wrongdoing is. In the United States, people are supposed to be told what they are being accused of. 

I need to know what to do. Plus, I believe this practice PayPal so proudly waves in peoples faces needs to be investigated. I also question holding someones money when they have done nothing wrong. 

Can you help me?
Product: Credit reporting or other personal consumer reports

Well my mortgage was purchased by Amerihome Mortgage Co. And during that time they raised our rate based on a miscalculation on their end with our escrow account that resulted in the monthly rate going up. Then they sold the mortgage to XXXX XXXX. In that sale they failed to transfer the sum of {$3100.00} in our escrow from them to XXXX XXXX. Which they did within days of being notified that it was their error that caused our monthly payment to go up. Not notifying XXXX XXXX of this our rate is still higher than it is supposed to be. Also since they didn't file the sale of our mortgage correctly it showed that it was closed and reopened as a loan which resulted in not only my credit score dropping drastically, but my significant other who is also on the mortgage as a secondary experienced the same hit on her credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX of XXXX at XXXX XXXX XXXX I recieved treatment. I paid the amount that wasn't covered by my insurance, then a year later randomly had a collection added to my credit report. Disputed it and made contact, the collection was removed. Now months into the future without any communication from either XXXX XXXX or the new debt collecter they sent it to, a collection was added to my credit report once again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern this is not a third party so stop sending me letters to my house saying third party this is me XXXX XXXX XXXX XXXX PERSON THEYRE ARE these items in my credit file are from unauthorized I CALLED XXXX XXXX TIMES THEY ARE ABUSING ME MENTALLY N VERBALLY IM AM CURENTLY GOING THORUGH a XXXX  situation with my child father and I am living in a homeless shelter with my kid because XXXX won't delete these XXXX accounts which isn't mines they keep telling me they need the proper documents I sent them numerous time actually I have tracking number also # XXXX with XXXX they keep ignoring me and promising they would delete it in 4 Buisness days BLOCK AND DELTE IT OFF MY CREDIT they keep lying to me repeatedly im losing sleep I cant eat my mental is very bad because of XXXX ruining the character of my name and household I cant even get a house to put my kids in I didn't even use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything I did.they keep saying they waiting for a response from the company its been 4 months n no response from the company im unaware of accounts any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. I XXXX XXXX I'm writing to you to ask that you get rid of this erroneous information about me as a natural person from my credit report. There is a list of the things I want removed in the ftc report. Because I never gave any of these businesses my written consent or a valid purpose, which corporations are required by law to have, I am definitely a victim of identity theft. These unfair, deceptive forms are hindering my ability to use consumer credit to buy a home for my family, therefore I'm really asking the consumer to delete the inaccurate information from my consumer report in order to fix my consumer report. I NEED HELP SOMEONE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be corrected.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I took out a loan With Summit Financial in XXXX.I now realized they are not liscened in Washington State. I made 1 payment. I reached out to them about paying back remaining principal only. Over 6 months time.Only response I get is that payments are late and they will go after me basically.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/23 regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. XXXX 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a Wyoming address on my credit and I have never stepped foot in Wyoming. I am a victim of identity theft and fraud.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

My escrow amount changed on XX/XX/2023. 
for my truist mortgage my mortgage amount went from XXXX to XXXX I pay on auto draft. 
I didnt realize the change. 
I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. 
In XX/XX/2023 I got a phone call from Truist saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. 
In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. 
I was on the phone with the bank for 1 hour and got confirmation of my new amount. 

It was also my understanding that I had a {$25.00} dollar offset. 
So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. 
I got a letter from my bank saying I never paid XXXX. 
I called them right away because I had the cashed check. 
They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. 
they reported me to the credit agency
Product: Payday loan, title loan, personal loan, or advance loan

Starting XX/XX/2023, Ive been misled about daily Pay. From the beginning they stated that they only took out transfers fees. Nothing more. I recently viewed my gross pay w my employer and daily pay. It was totally off. Also I have counted my hours and financial reports to the penny. Still it is different from my original paycheck. This morning i withdrew XXXX out of my daily pay account which left me with a balance of XXXX $ and some change. An hour later its gone. This has happened numerous times.I reached out to them, received a run around.I requested to speak w a supervisor numerous times. Daily pay stated that they had no supervisor and only the clerk can help. At this point I am asking for daily pay to be investigation
Product: Credit reporting or other personal consumer reports

I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.
Product: Credit card

Credit card was supposed to have a XXXX year no interest rate offer that they will not honor
Product: Credit reporting or other personal consumer reports

These 4 accounts that are reporting negatively on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Checking or savings account

This bank had the worst online interface right along with XXXX which is why I closed down my account. I was locked immediately from everything. It's not a joke, your group is a bunch of scammers. I expect that I hear no nonsense from your side, things are settled between us. Now, I need you to stop the mailing me following me to my new addresses here soliciting my mailbox with your XXXX. I told the bank and they promised me that I would get no mail and no phone calls. Both have been violated with XXXX  advertisements and updates about a closed account. Like I give a XXXX. My account is saved to phone number XXXX and my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh. XXXX. You can stop contacting me right now and stop soliciting the usps to get my addresses as well. We finished out now I expect to stop receiving XXXX  from this XXXX  bank. I will not be contacting you at all so do not expect a response regardless of your " official '' or " unofficial '' response. I do not care about your opinion I told you I felt about your bank. XXXX is better than you. Take care.
Product: Debt collection

Asked for mail only corespondence after emailed notice never received such mail.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. In the case that you choose not to remove the items listed underneath, which are providing false answers due to fraud, I will provide my lawyer access to my archives so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage servicer changed hands XX/XX/XXXX being transferred from XXXX XXXX XXXX to Freedom Mortgage. 
I sent Freedom Mortgage a Cashier 's Check for {$1500.00} on XX/XX/2020. Shortly after I began receiving " past due '' notices from Freedom Mortgage. 

I contacted a supervisor at Freedom Mortgage who researched the situation. He found that Freedom Mortgage received my Cashier 's  Check, which had my name on it, and mailed it to people in the state of Utah unprocessed. They did this because they claim the loan number matched these folks loan number despite having paid off their mortgage some time ago. These people ae not know to me. 

In summary : 1. Freedom Mortgage received my payment. They admit this. 
2. Freedom Mortgage did not process this into my mortgage account.

3. Freedom Mortgage mailed the Cashier 's Check to someone in Utah. 
4. Freedom Mortgage is sending " past Due '' notices despite knowing about this situation and have received subsequent monthly payments.