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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as a follow-up to my previous complaint. I have also filed a report with the FTC XXXX reports attached ). 
In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Equifax XXXX please see attached ). They never investigated the case. I reached out to them again in XX/XX/XXXX to plead with them to finish the investigation they started in XXXX. Not only have they done nothing, but they also lowered my score just for challenging them ( please see attached ). The Fair Credit Reporting Act states that disputes must be completed within 30 days of the initial dispute. It has been over four months. In addition, Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Equifax ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Equifax has done neither. In my initial complaint with the CFBP Equifax accused me of using a 3rd party to file this complaint. This shows their contempt for the investigation process.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries. I did not owe this debt and it does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Social Security Number : * -- XXXX ( Provide only the last four digits for privacy ) FTC Identity Theft Report Number : [ Insert Report Number ] Subject : Request to Block and Remove Fraudulent Information Due to Identity Theft Details of the Complaint : I am filing this complaint against [ Credit Bureau/Collection Agency Name ] for failing to comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws in handling my identity theft case. I have been a victim of multiple data breaches, including the Equifax ( XXXX ), XXXX ( XXXX ), and Experian ( XXXX ) breaches, which exposed my personal information. Since then, fraudulent accounts have been opened in my name, and my personal details have been compromised. 

I contacted the credit bureaus and collection agencies multiple times to update my personal information and request the removal of fraudulent accounts, yet they have failed to act. Despite my legal rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), they have refused to : Block fraudulent accounts as required under 15 U.S.C. 1681c-2.

Provide the method of verification for the disputed accounts as per 15 U.S.C. 1681i ( a ) ( 6 ).

Update my personal information, including removing outdated addresses, phone numbers, and employer details.

Confirm the actions taken in writing within 30 days as mandated by federal law.

Specific Issues : My credit profile was inaccessible due to unauthorized activity, supporting my identity theft claim.

The credit bureaus have failed to provide verification methods used to confirm disputed accounts.

My legal rights under 15 U.S.C. 1681b ( g ), 1681s-2, 1681c, and 1681o have been violated due to their negligence.
Product: Checking or savings account

A little background information, when you make a purchase XXXX XXXX for grocery delivery they generally charge excess of what they end up settling for in case the total ends up being more than originally anticipated. 

When these transactions are settled by XXXX for less than originally expected, the excess is supposed to go back into the available balance. Instead, Chime is holding that excess in pending for an additional XXXX days. 

This has happened several times. The most recent occurrence is a transaction on XX/XX/2022 at XXXX. The transaction settled on XX/XX/2022 for {$13.00}, leaving an excess of {$0.00} in pending transactions. I have sent written support tickets to find out why they are doing this and effectively holding that excess money hostage in pending. I have been unheard by customer support and dismissed by a supervisor named XXXX. I was placed on hold for an extended amount of time ( greater than 25 minutes ) and then transferred to a queue with a wait time of greater than 10 minutes after being told he was just going to check the account. I created a chat support ticket and they didn't even read what the issue was and copy/pasted a generic response that I can't dispute pending transactions and when I informed them it wasn't about a dispute, dispute agent XXXX copy/pasted said generic response about 3 more times anytime I said it was not a dispute issue. I want to know why Chime is holding any excess a transaction settles for hostage in pending for an additional 7-10 days. I also no longer wish to deal with their customer support/supervisors after being treated like complete dirt by them,
Product: Debt collection

To whom it may concern : I was the Managing Partner and CEO of XXXX, XXXX, a small software company located in XXXX, FL from approximately XX/XX/XXXX until XX/XX/XXXX, at which point the company was closed down due to financial problems. From roughly XXXX until the company 's close I was a minority shareholder and owned approximately 15 % of the company. 

Before the company was shut down in XX/XX/XXXX, it borrowed approximately {$130000.00} in the Fall of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, and the servicer, XXXX XXXX XXXX XXXX XXXX located at XXXX XX/XX/XXXX XXXX XXXX, XXXX Fl New York, NY XXXX. This loan was unsecured. It had NO personal guarantees and even had a clause expressly written into the agreement stating exactly that. When the company was shut down there were no assets left to repay this debt. 

Therefore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against myself and my father, XXXX XXXX , who was also a company shareholder, in a New York court in an attempt to collect the debt from us personally. We defended ourselves pro se and the case was dismissed ( based on the fact that we had not personally guaranteed the debt and showed proof of that to the court ). 

This debt has never been determined to be a valid personal debt of ours. However, that did not stop XXXX XXXX from filing a personal debt collection against me with all three of the credit bureaus. This debt has been on my personal credit report as an outstanding and delinquent debt that I personally owe. However, by law, I do not owe this debt personally and I would like it removed from my credit report. It has been negatively impacting my credit score, despite me not being personally responsible for the outstanding amount. 

Rgds, XXXX XXXX
Product: Debt collection

I ask them to send me payment history showing my last payment date and amount. They refuse to send me
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card to XXXX XXXX that was defaulted on in XXXX XXXX 2010 and they charged it off. Midlund funding bought it and keeps reporting it as new debt when it is not and it is negatively impacting my credit score. I have went through XXXX XXXX several times to dispute it to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid account in full is the report in the balance on my account Im trying to buy a house and its hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Received current credit report from XXXX XX/XX/XXXX. 
Capital One Auto Finance Car Loan Paid off in XX/XX/XXXX, due to be removed XX/XX/XXXX, Now they have updated it to remain on my report until XX/XX/XXXX. i have attached document showing update. 
Law states that creditors can use 10 year rule because of bankruptcy. i have never filed Bankruptcy in my life. 
I called XXXX today XX/XX/XXXX and spoke to someone named XXXX. He said he did not know anything about it and could not do anything about anything and that there was not way for anyone to directly contact Investigative Department, not even he could do that. 
I called this number because it was on my XXXX Credit Report as an option for me to get help. I got no help when i called the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX Bankruptcy with said company and in response they verified the item as accurate stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, well over 60 days later I have not received a response. I feel like they are taking advantage of my by ignoring my disputes. I'm aware that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I have also attached a photo of my government ID.
Product: Debt collection

I had a company contact me for a debt that is showing charge off status and a XXXX balance owing on the account. When I informed them of what my credit report was showing they told me that it was done in error and that I still owed them money. They offered for me to settle and said if I did that they would take the entire thing off my credit report. I told them that if they had already charged off my account and reported a XXXX balance that I was not obligated to pay them anything because the debt had been written off. The report the account charged off in XX/XX/2015. The collected payments from me even after the account was charged off from XX/XX/2015-XX/XX/2015 after which I stopped paying. They now starting calling, texting and emailing me today about the account stating that I owe {$60000.00} and that if I do n't agree to pay or settle that they would have their attorney sue me. This is the second time the have threatened me with a lawsuit. The first time I was in a payment plan with them and they filed a suit. They have also called my business and told my employees that they were going to send someone to pick up all my office furniture and equipment if I did not pay them money. They have used several strong arm tactics that I feel are illegal. I had to hire an attorney to contact them and they withdrew the case. This company offers high interest cash advance loans. I do not believe I owe this money anymore because it was charged off and XXXX out. I believe they are trying to correct an error made on their end and force me to pay for funds they wrote off already.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unknown account that is inaccurately appearing on my credit report. Despite previous attempts to resolve this matter and requests for investigation under the Fair Credit Reporting Act ( FCRA ), the account remains on my report, constituting a violation of my rights under federal law.
Product: Debt collection

They have called my sister and brother in law. Have threatened to have me served at home or work. Saying there is charges against me at the XXXX XXXX courthouse. There are no charges. Ive checked my credit. No old debts dating back to that time. Abusive over the phone. Someone named XXXX and XXXX XXXX from tsi. One call from XXXX. Wont send me anything in writing and only want me to pay {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

n Accordance with the fair credit reporting act XXXX Account # 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 Credit Acceptance # XXXX XXXX XXXX  # XXXX
Product: Debt collection

XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from XXXX collection agency stating that they bought the paypal debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.
Product: Mortgage

I have been charged with invalid and unlawful charges ( property maintenance and inspection fees totaling {$210.00} ) I have asked Ocwen to supply me with copies of alleged worked done as they had no access to my property unless they entered the property unlawfully ( unlawful entry ) my property was secured by my realtor and Ocwen was notified of this by my relationship manager. There was nothing for them to maintain as they had no access to my property and there was nothing to maintain outside either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, and Reference # XXXX Us BKPT CT 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 an account without my written instructions
Product: Vehicle loan or lease

The auto loan company Exeter finance company claiming late payments when the payment was on time or paid before the actual date, the payment was never late.
Product: Bank account or service

I made an account on PayPal so that I could transfer money to my bank account from ebay sales. However, PayPal took {$6.00} out of my checking account for a shipping label without my permission. PayPal needs to put the money back into my account. After PayPal transfers the money back into my checking account, it can close my account.
Product: Mortgage

I was approved for an FHA loan by Rocket mortgage. They verified my income and credit score they said everything was ready to go for me to start making offers on properties. Once I made an offer for a property and I went under contact, Rocket mortgage told me they made a mistake and could only approve me for a conventional loan with XXXX down. Since I was already under contract I lost my option fee of {$150.00}, had a known they did not do their job thoroughly I would never made an offer lost my {$150.00}.
Product: Vehicle loan or lease

Pre arbitration demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Volkswagen credit XXXX XXXX XXXX XXXX, IL XXXX Re : Complaint for Breach of Contract, Violation of UCC 9-609, and Truth in Lending Act Violations Dear Sir/Madam, I am writing to file an complaint against your bank for breach of contract, violation of UCC 9-609, violations of the Truth in Lending Act ( TILA ), and failure to comply with the arbitration clause in the loan agreement. 
As I previously stated, I believe that your bank and XXXX XXXX XXXX violated UCC 9-609 during the repossession process by failing to provide proper notice of the repossession, failing to provide me with a reasonable opportunity to cure the default, and breaching the peace during the repossession process.

Furthermore, I now allege that your bank violated TILA by failing to provide me with accurate and complete information about the terms of the loan agreement. Specifically, your bank failed to disclose certain fees, charges, and other material terms of the loan agreement, in violation of TILA.

In addition, I recently discovered that your bank failed to comply with the arbitration clause in the loan agreement. The loan agreement contains a provision requiring all disputes between the parties to be resolved through AAA arbitration. However, your bank failed to use AAA arbitration for all disputes related to the loan agreement, including the dispute regarding the repossession of my vehicle. 
Your bank 's failure to comply with the arbitration clause in the loan agreement is a breach of contract, and entitles me to damages and other relief. 
I am requesting that your bank investigate this matter and provide me with a detailed written response explaining your position and any remedial actions you will take to rectify the situation. I am also requesting a copy of any documentation, including the loan agreement and any notices or other communications related to the repossession, that your bank and XXXX XXXX XXXX XXXX XXXX have on file for my account. 
If I do not hear from you within 30 days, I will have no choice but to initiate legal proceedings to enforce my rights under the law, including but not limited to claims for breach of contract, violation of UCC 9-609, violations of TILA, and failure to comply with the arbitration clause in the loan agreement. 
Thank you for your attention to this matter. 

Without prejudice Agent/Beneficiary, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo deactivated my account without telling why it was deactivated. Im not a scammer or anything along those lines. They sent me an email saying it will be permanently deactivated because I broke a rule. That was in XXXX on 2021. They stated that my funds will be held in my account for 140 days. They sent me an email 2 days ago saying I can transfer the money out of my account but since then I changed banks so I took off the bank that was on Venmo but it wont allow me to add the other one. I emailed them again and I keep getting the run around. Wait 5 days and someone will email you. You cant call and speak to someone because they always say wait for an email.
Product: Debt collection

I received multiple calls asking me for my personal information while the " company '' would not identify themself. Once I made it through confirming the number they called me on was mine XXXX XXXX, they informed me that I had a {$280.00} debt with Regions Bank. I have NEVER EVER ( and will NEVER ) have an account with Regions bank. Once I found out about this debt, the person on the phone " later identified as XXXX XXXX XXXX  '' rattled off a street address that this account was associated. I asked for this information as to what address again and what state that was in since the name was never where I lived. They directed me to talk to Regions Bank. 

I called Regions Bank and tried to get them to give me the address of what this supposed address was ..AFTER I provided my name, phone number, ... and account number ( XXXX ) that was provided to me by XXXX XXXX XXXX XXXX Regions Bank would not give me the address. 

Regions Bank then instructed me to go to their Regions Bank website and fill out a Fraud report! There is NO WAY I would supply Regions Bank with my SSN, address, etc. after they allowed someone to open an account in my name. 

I want Regions Bank held accountable for the supposed debt of {$280.00}. I want Regions Bank and their Debt Collectors to stop calling me about something Regions Bank screwed up. I want any and all information that Regions Bank and XXXX XXXX XXXX obtained with and/or without my consent to be removed from their system. I want my credit score to not be impacted by Regions Bank 's mess. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My son took out a Student loan with Navient in 2006 to attend a college in XXXX Tn. for XXXX which he has been paying on for 14 years now and has been informed that he still has XXXX to go before it paid off. Thats 8 more years of payments. We have already made almost XXXX in payments on a XXXX loan. I have been making the payments and am now XXXX years old with both my wife and myself in poor health. I tried to talk with them to give them a one time payment but they would not hear of it. 
I just wonder what type of student loan takes 22 years to pay off XXXX?
Product: Mortgage

My home was foreclosed XXXX/XXXX/2017 by the second mortgage holder. The first mortgage is currently with XXXX mortgage balance {$270000.00}. 
I 've spoken with XXXX and they were not notified other the property foreclosure sale and they are the 1st Mortgage Holder. I also did n't receive the appropriate 30 day notice that is required by Tennessee Code Annotated for the state of Tennessee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( transunion XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Accounts name # XXXX XXXX ( XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX Accounts name # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 1681 section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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.