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

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account was hacked XX/XX/year> in the amount of {$140.00} & I spoke with Chime about the incident. I filed a dispute & Chime then put the money back on my card. Then I received a message saying that they denied the dispute & then took my money once I got paid. I spoke with a rep on XX/XX/XXXX & asked if I could change my account number & was told " NO ''! It even gave the location & name of the person that had taken the money. I have read Chime reviews & it looks like nobody has ever won a dispute with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to you regarding the recent blockage and limitation imposed on my newly registered PayPal account. I am reaching out to clarify the situation and request your assistance in resolving this matter. 

As a new user on the PayPal platform, I was excited to join and utilize the services provided. However, I was surprised to discover that my account has been blocked and limited, preventing me from fully accessing and utilizing the features and benefits of PayPal. 

I would like to emphasize that, as a newcomer, I have not yet had the opportunity to engage in any transactions or actions that could potentially violate PayPal 's terms and policies. Therefore, I am confident that there has been a misunderstanding or an unintended error in assessing my account 's activities. 

I kindly request a thorough review of my account to identify the specific reasons for the blockage and limitation. Understanding these reasons will enable me to address any concerns or issues promptly and rectify the situation accordingly. 

To facilitate communication and ensure a swift resolution, I would appreciate it if you could provide me with any necessary instructions or steps that I need to take. Additionally, please consider this email XXXX as the primary contact method for any updates or further correspondence related to my account. 

I am more than willing to cooperate and provide any additional information, documentation, or identity verification materials that may be required to confirm my identity and resolve this issue. I highly value PayPal 's commitment to maintaining a secure and trusted platform, and I assure you of my full cooperation. 

Thank you for your attention and understanding in this matter. I genuinely appreciate your prompt assistance in resolving the blockage and limitation on my account. Please feel free to contact me if you require any further details or if there are any additional actions I should undertake. 

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

Equifax, XXXX and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage & my mortgage lender informed me that Experian was reporting to collection accounts from XXXX XXXX XXXX on my report. I called XXXX XXXX XXXX & they informed me that these accounts were not mine but were my mothers & that they shouldn't be reporting on my report. I attempted to get the accounts removed by disputing them but they are still showing up on my credit report which makes no sense because the collection company is stating they aren't even reporting the information my to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX collections from California Business Bureau are on my credit reports. The hospital made billing errors with insurance co and should not have reported these. They corrected the problem, sent me an email explaining they had contacted collection agency to remove. I also got a letter from the collection agency apologizing and promising to remove negative info. Letter dated XXXX/XXXX/2016. This has not been done, All XXXX credit bureaus told me they have not been contacted by collection agency. This is a significant error on my report and has caused me other credit problems, lowering of credit limits, credit denial. All I want is this fixed by removing these. There are collections that are also incorrrect. Can you give me attorney information that I may contact here in XXXX XXXX to help me with these. It is very tiring and time consuming and I am ready to hire a professional to handle this for me. When I called the collection agency I was handled very rudely by some female who may or may not have been nothing more than a secretary. It was apparent she had no desire to help or even cared that I was concerned about correcting this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX CARD XXXX Balance : {$8200.00}.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. 

Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information currently reported on my credit file by Truist Bank. Truist Bank was my original lender for a loan on my XXXX XXXX XXXX. However, as of XX/XX/XXXX, I successfully refinanced this loan with XXXX XXXX XXXX XXXX. Despite the refinance, Truist Bank is still requesting payments, which is incorrect since the account was settled and transferred to the new lender. 

Please investigate this matter and update my credit report accordingly, as it is essential that my financial records reflect the accurate status of the loan. I have enclosed copies of the relevant documentation, including the refinance agreement with XXXX XXXX XXXX XXXX, for your reference. 

Thank you for your prompt attention to this issue. I would appreciate written confirmation once the matter has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XX/XX/2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.
Product: Debt collection

I am not the subject of the debt. GM Financial has contracted me twice now in regards to a relative. It is my understanding they are not allowed to contact me about another person 's debt more than once.
Product: Debt collection

I, XXXX XXXX natural person recently did a cfpb Complaint against Commonwealth Financial Systems Inc for putting medical collection on my consumer report. I didn't receive a letter from them about this debt. So how can I respond in 30 days. I'm demanding proof that Commonwealth Financial Systems Inc sent me a letter and I sign with my wet signature showing that I received it. Even so pursuant to 15 usc 1692g ( c ) Admission of liability- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So the only person that can say I owe this debt is me. I DO NOT OWE THIS DEBT. SO REMOVE THIS COLLECTION FROM ALL MY CONSUMER REPORTS. Show me an agreement stating that if you buy my debt from the original creditor that I would pay you with my wet signature!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW ACCOUNTS HAVE BEEN ACCESSED MY CREDIT PROFILE WITHOUT MY PERMISSION AND WITHOUT MY KNOWLEDGE. I WOULD LIKE FOR THEM TO BE REMOVED FROM Y CREDIT PROFILE.

THESE INQUIRIES ARE BEING IMPROPERLY DISPLAYED ON MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED ENTIRELY.

XXXX  inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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.
Product: Mortgage

We are trying to get a payoff statement for an existing mortgage. Mr Cooper online site has not allowed login for 5 days. This is inexcusable for a company who processes millions of payments for multiple lenders. We need a payoff statement by XX/XX/XXXX.
Product: Credit card

In XXXX of 2023 I was applying for a lease and received a copy of my credit report, to my surprise I found that I had become a victim of identity theft. I found a Target credit card in the amount of approximately {$500.00}, I have NEVER applied for this card nor have I used the card. I contacted TD bank and sent them a copy of a police report and FTC report but the account is still showing up in my name on credit beauros.
Product: Credit reporting or other personal consumer reports

PLEASE THESE REMARKS ARE ALL INACCURATE, THESE ARE FALSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Debt collection

Navy Federal is attempting to collect money which I have spoken to someone already about my account I caught XXXX and was in the hospital for a period of time on top of that my XXXX kids caught XXXX had to care for them as well, I did ask them for the covid forgiveness program which they told me that I did qualify for but no actions was taken to take care of this matter. please delete/remove negative remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score on the Chase Credit card website and it says that I have various credit cards recently open, but I've never had a credit card in my life, so I think someone stole my identity.
Product: Prepaid card

The Vanilla XXXX  Gift Card literature and website both indicate that the card can be used online. I am not able to use it online, however. 

On XX/XX/year>, I purchased a XXXX Vanilla Gift Card, loaded with {$500.00}. The same day, I tried to use the card at XXXX different merchants online, but each indicated that the card was declined. ( XXXX of the merchants indicated : " Card Processor Decline '' ) After the first vendor declined the card, I called the XXXX Vanilla Gift Card customer service and was told to use the card with different vendors. This is not a satisfactory response, because the next XXXX vendors which I tried also declined the card. I am unable to find a vendor that accepts the card ( and that I have reason to transact with ). I was also told by customer service to try using the card for in-person transactions. This is also not a satisfactory response, because I purchased the card with the intention of using it online, which is a use advertised by XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I notice multiple fraudulent hard inquiries which I did not authorize or consent to such as ( state the hard inquiries ) example XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX I made a complaint with identitytheft.gov
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX