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

The payment history of my account has been inaccurate, and incomplete. 

In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 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. 

I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. 
# XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX
Product: Checking or savings account

Received email from TD Bank XX/XX/XXXX regarding a new opened Checking Account and a new Debit card being shipped, contacted TD Bank XX/XX/XXXX to report Fraud, TD Bank closed account and directed me to the Fraud Dept in which the opened account was closed as Debit card terminated
Product: Checking or savings account

Our complaint is against PayPal Holdings , Inc., XXXX XXXX, California, USA for withholding funds without reason for a period of 180 days. 

Withdrawals from our PayPal business account was frozen on XXXX XX/XX/2023. PayPal started an inquiry and requested information about our business and certain transactions. They emailed our clients to confirm if they received the goods they purchased. All information was submitted and we confirmed that our clients also confirmed that received their goods in good order. 

The inquiry process carried on until XXXX XX/XX/2023 when they informed us that we have satisfied all requirements and our account will be fully re-instated. After we received confirmation that our account was re-instated we tried to do a withdrawal. Immediately after our withdrawal attempt PayPal sent us a message that our account will be closed and they will withhold our funds for 180 days. 

The date of the transaction in question ranged from XXXX XX/XX/2023 to XXXX XX/XX/2023. 

PayPal is withholding XXXX XXXX after all goods have been delivered in good order and confirmed by the clients. 

We have tried numerous time to resolve the issue with PayPal, but they keep on saying we have to wait 180 days for our money. 

Our business account name is : XXXX XXXX XXXX, incorporated in the XXXX XXXX XXXX. 
The business representative is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I am requesting a XXXX from the creditor for a charged off debt in the amount of {$4700.00}. This account was charged off by teh creditor and they did not furnish me with a XXXX.
Product: Credit reporting or other personal consumer reports

this information is showing up on my employer background report and this is not me. 

Felony Including Misdemeanor Or Other XXXX, XXXX, PA Status : Complete Score : Eligible Date Completed : XXXXRecord Source XXXXXXXX XXXX XXXX XXXX XXXXXXXX Search Results No Record Found Search Type FELONY INDEX SEARCH INCLUDE MISDEMEANORS Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX Address City Covered XXXX. 

I never lived in XXXX AddrTypeFormer Address FirstDate XX/XX/XXXX XXXX Last XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX this is not a valid address FirstDate XX/XX/XXXX XXXX Last XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my American Express completely off in XX/XX/XXXX. It wasn't until I applied for a car loan in XXXX that I saw that have been dinging me for 2 years. I called customer service and they advised that I had a interest balance of under {$10.00} that was never paid. I was never given one phone call or sent one letter. Do you think I would have had a good standing with Amex, pay it off and then let them ruin my credit over {$10.00}? 

I have spoken with several customer service reps who advised they will have a manager send a letter to remove the late remarks. I also have a business card with Amex I will close if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received  anything.XXXX XXXX, CONVERGENT OUTSOURCING, XXXX and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XX/XX/XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my updated credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in XXXX and TRANSUNION XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Equifax : XXXX : XXXX XXXX Corporate Wrongdoer Maneuvers in Memory ' : Equifax Forces Potential Victims to Give Up Legal Rights https :  XXXX In light of the security breach of 143 million credit files which we not informed of by Equifax, but found out about through media outlets six weeks after the  fact, are you offering any free access to our files -- without our being forced into Arbitration agreements? 

No burden should be on the shoulders of the public, since this was wholly a fault of Equifax through a failure to protect our records. As a result, we should be informed, from you, as to whether or not we were victims -- not the other way around. Also, we should not have to be victimized ( possibly further ) through unscrupulous legalese setups. 

The onus should be completely yours. Moreover, it is only ethically straightforward that free ( current ) credit reports to all 143 million victims would be offered, without any strings or entanglements. 

Looking forward to your response,
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 proces 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 XXXX financial loss, and I seek appropriate compensation and redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is refusing to provide me with a Method a Verification. In the many attempts that Ive tried to get this information, TransUnion has completely disregarded my request. They sent me documentation saying the information is accurately verified, which I have attached. 

I called TransUnion today and spoke with a supervisor. XXXX blatantly told me that the information came from XXXX and that I would not be receiving a Method a Verification in the mail. She proceeded to state that Trans Union does not provide methods of verification. XXXX have deleted this information from their records, which is attached. TransUnions refusal to provide me a Method a Verification is preventing me from exercising my right as a consumer. TransUnion is in violation of my consumer rights pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). They need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a Bankruptcy CH-XXXX  listed on my credit report from XX/XX/. The Bankruptcy I filed was a CH-XXXX and should have been removed from my Experian credit file last year after the 7 year limit. Please ask them to correct this error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX - XXXX Conserve - XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 XXXX 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 or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX. I request that my new employer, be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was solicited for a loan against my CD. I never wanted it and have been trying to get out of this predatory relationship and they keep stalling.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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 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: Checking or savings account

To Whom It May Concern, I am writing to formally lodge a complaint against Chase Bank regarding the ongoing hold on my funds, totaling approximately {$2600.00}, and the restrictions placed on my account.

I deposited two checks from my employer, and Chase has placed a hold on these funds without providing a valid reason. Despite my efforts to resolve the issue, including offering for my HR department to call Chase for verification, the bank has refused to listen or accept any alternative forms of verification, such as email.

Chase insists on contacting a phone number that only goes to voicemail, and they have refused to leave a message. Additionally, I have requested that the checks be returned to either the maker or myself, but this request has also been denied.

a senior who has worked hard for this money, I find it incredibly frustrating that Chase will not allow me access to my funds. My employer can not issue a stop payment on the checks either, because its been cleared from their end.

I kindly ask for your assistance in resolving this matter. I would appreciate any help you can provide to ensure that I receive the funds I rightfully earned.

Thank you for your attention to this matter.
Product: Credit card

I am writing to formally file a complaint against the Credit Card Application Center of Bank of America regarding their unprofessional service and inability to process my application. 

On XXXX, I contacted the Bank of America Credit Card Application Center to complete a credit card application. Unfortunately, the representatives I interacted with exhibited a lack of professionalism and failed to provide the assistance required to complete my application. Despite following all necessary steps and providing the requested documentation, my application was not processed, and I was left without any explanation or resolution.

This poor service has caused me significant inconvenience and frustration. I expect a financial institution as reputable as Bank of America to ensure its employees are adequately trained and capable of assisting customers in a professional and efficient manner. 

I kindly request your assistance in investigating this matter and ensuring that Bank of America addresses these service shortcomings. Customers should not have to face such challenges in managing their financial needs. 

Thank you for your time and attention to this matter. I look forward to hearing about the resolution. 

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

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to BANK XXXX XXXX. 

Upon information and belief, XXXX XXXX XXXXXXXX received notification of my credit bureau dispute. XXXX XXXX XXXXXXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX  Account. 

Upon information and belief, XXXX XXXX XXXXXXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXXXXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXXXXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXXXXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXXXXXX XXXX Accounts to third parties.
Product: Checking or savings account

Hi my name is XXXX XXXX My checking account number is XXXX My Social security number is XXXX My date of birth is XX/XX/1990 My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NV XXXX Almost a month ago my Debit card was stollen and I did not recognize till my online banking notification went off a few times I opened my online banking then i saw was almost {$2000.00} out of my account which was not me, so I called bank and let them know. 
They did not even let me to tell them which transaction or how many they put me out of my online banking. Then the result came after 10 business days and my claim was declined. Today I am writing this letter to you asking for help to get all my money back as soon as possible. 
Thank you.
Product: Mortgage

I have had a mortgage with CitiMortgage for about 7 years.I have always made payments on time.  The monthly statements I receive donot show any late fees or past due payments.When I call in to post payment by phone,  the total due is about double what my monthly payment is.  I have contacted CitiMortgage in XXXX 2017 and provided them the last 18 months of payment confirmations in the form of their confirmation #'s or check numbers that have processed.I received an e mail back from them on XXXX XXXX 2017 indicating they have received my information and are looking into it.I have not heard back from them as of today, XXXX XXXX and the account still shows a past due payment.  They continue to add late fees while not responding or finding the error.What is the role of CFPB?  Will it simply forward this information to CitiMortgage and expect them to do something?Please advise if I can provide any additional information, thank you.
Product: Money transfer, virtual currency, or money service

I noticed a fraudulent transaction on my checking account associated with the Cash App app. After contacting my bank and closing my debit card I received an un-requested Cash App card in the mail in my name. I never opened a Cash App account so some one must have opened an account in my name and attempted to withdraw funds from my bank. My issue is that there is no way to contact this company to report the account as fraudulent unless I download their app and log into the account I never opened in the first place. I want to close this account asap before they use it to scam someone else in my name but there doesn't seem to be a way.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.