23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX XXXX, I have a Robinhood investment account which also has a cash management bank account linked to it. A week ago the system froze the account because of a system alert when I tried getting gas with it. I submitted all the documents and they keep saying they are reviewing my ID and cant give me anymore information. I cant withdraw or transfer any funds because my account is restricted until a review is finished. There was no need to lock my account and they are dragging this along after I submitted the same documents multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX 7 plus times into getting information on how my account XXXX came to reflect such information XXXX is reporting first day of delinquent XX/XX/XXXX on XXXX and first day of delinquent on XXXX XX/XX/XXXX which are both wrong this account went delinquent on XX/XX/XXXX when I ( COMSUMER ) closed the account without payment and never contact XXXX again to make any payment or any payment arrangements or gave my consent to update any payment info on said account. 

I am not asking for clarification on who owns the debt ( XXXX  ) I am asking XXXX  how did my account change from XX/XX/XXXX closed by consumer with no payment made all of sudden current from XX/XX/XXXX all the way up to XX/XX/XXXX or XX/XX/XXXX with on time PAYMENTS being report to Credit bureaus with out me requsting such change how is this possible? 

I also asked XXXX  who made these payments being reported and what method of payment used to make payments? 

even after XXXX admitted to making mistake on reporting information that they certified to credit beaures was accurate and was not still refused to removed account after countless flip flop of infomation! 


these is my last attempt to get information from XXXX  on how my account came to this satus... I will wait for XXXX  to respond before I file my case in court maybe if the XXXX ask XXXX  and clear it up.because XXXX has not been able tell me how these changes came about on my account.
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE FRAUD ACCOUNTS That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The XXXX XXXX. Please help me Resolve this problem with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} account # XXXX XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account # XXXX Date XXXX Under FCRA XXXX XXXX : XXXX XXXX XXXX XXXX Purposes XXXX XXXX XXXX XXXX XXXX XXXX Disclosure, XXXX XXXX XXXX XXXX person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under XXXX XXXX, Imprisoned for not more then 2 years. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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
Product: Money transfer, virtual currency, or money service

I was scammed via Cashapp on 3 different occasions by the same person. I notified cashapp support of the scammer and requested they cancel payments to the scammer. They did not. They allowed the scammer to steal my money. 

{$200.00} on XX/XX/22 {$75.00} on XX/XX/22 {$120.00} on XX/XX/22 Cashapp is enabling scammers and fraudsters to steal from others.
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 requirement under the Electronic fund transfer Act ( EFTA ) And regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violation
Product: Debt collection

After noticing a medical collection debt that I did not recognize reporting to the credit bureaus, I disputed it through equifax on XXXX XXXX, 2016. On XXXX XXXX, 2016 it was returned as verified. On XXXX XXXX, 2016 I mailed a Texas Debt Validation letter requesting proper verification of the debt under the Texas Finance Code. I have not received any type of response verifying the validity of this debt, however Financial Control continues to report this debt to the credit bureaus blemishing my credit history. I have pasted the contents of the letter below : Financial Control Services XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/XXXX/2016 via XXXX mail Re : # : XXXX To Whom It May Concern : I dispute the validity of and request verification/validation of this debt per Texas Finance Code. This letter is not to serve as acknowledgement of the debt, rather a request for further information. 

For the purpose of validation, please provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas XXXX bond information as required by Sec. XXXX Furthermore, I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response via XXXX Mail. 

Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : XXXX XXXX XXXX injunctive relief to prevent or restrain a violation of this chapter ; and XXXX XXXX XXXX actual damages sustained as a result of a violation of this chapter. 

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

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past 60 days, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' USDOEXXXX, XXXX, XXXX, XXXX XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' USDOEXXXX, XXXX, XXXX, XXXX XXXX, XXXX is a financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, USDOE/XXXX XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' USDOEXXXX, XXXX, XXXX, XXXX XXXX, XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Once a month I have received three blank " Superchecks '' from Wells Fargo ( my primary checking/credit card company. Because I do not with to receive blank checks in the mail that are attached to my credit card, I have reached out to the bank to have them stop mailing me these. Each time the bank has acknowledged the request to stop marketing materials, and stated that it will cease next billing cycle. 

But each month since XXXX, I have continued to receive the unwanted checks. I live in an area where my neighbors and I continually receive each others mail, and as such I have no desire to have Wells Fargo making it easy for someone to commit fraud against my account. 

As my repeated attempt to have this resolved have gone no-where, can you please engage with them to ensure they are following the law/procedure regarding financial marketing. 

Best, XXXX
Product: Credit reporting

I requested a copy of my credit report prior to applying for credit and was told that they could not release it since there were multiple Social Security numbers showing on my report. They referred me to Experian, but all I could get was the automated response. Since my report could not be released I could not get an automated answer and they do not have customer service persons with whom I could discuss the problem. I have been rejected for credit XXXX because of this issue. Since I ca n't get a copy of my credit report, I do n't know how the wrong Social Security information got on my report. I ca n't file a fraud claim without being able to identify the incorrect information and I do n't know whether or not my file is being used for purposes of fraud and I ca n't correct anything on the report since I ca n't get a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to get equifax to lift my credit freeze. I've provided everything they asked for three times. Their web site does not work, nor does their phone, nor does their fax, nor does U.S. mail. I can not apply for a credit card because of the freeze they have on my information. They sent me the form letter twice asking asking me for information that I've already sent to them
Product: Checking or savings account

Sequence of events : 1 ) XX/XX/XXXX to XX/XX/XXXX - I sold over {$7000.00} worth of cameras/XXXX/etc.

2 ) XX/XX/XXXX - PayPal put a " minimum reserve '' amount of {$3700.00} on my account.. citing " High risk '' items.

3 ) XX/XX/XXXX - I reached out to PayPal via phone, XXXX support page, and XXXX support page to try to resolve the issue.

4 ) XX/XX/XXXX - Received generic, canned response from PayPal not even addressing my issue.

5 ) XX/XX/XXXX - Received response from PayPal stating that the reserve CAN NOT be lifted to allow people to do returns/disputes, and that it could be reviewed after 180 days on a case-by-case basis.

6 ) XX/XX/XXXX **MAY NOT BE THE EXACT DATE** - Called PayPal again to try to resolve the issue ( ONE YEAR LATER ), and was told that the minimum reserve was going to stay in place and would ONLY be released if I closed my XXXX  account.

I have been an XXXX/PayPal member/seller since XX/XX/XXXX.. for 17 years I have never once let my account go into the negative, have always handled cases and disputes in a timely manner, have always conformed to their rules, and have been an outstanding seller in all senses of the word. They are unfairly punishing me because I sell an item that has a higher fraud rate ( on the buyers end, NOT mine ).

I feel that holding MY money ( {$3700.00} ), for over a year and a half from transactions that happened back in XX/XX/XXXX is extremely unreasonable and all that I 'm asking is for it to be released. Not to mention the fact that it put my business in serious jeopardy because I had to cover the {$800.00} worth of XXXX fees for that month out of my personal bank account. On top of that, I had to pay a {$50.00} fee for insufficient funds out of my own pocket when PayPal tried pulling the XXXX fees from my bank account that I had attached to my PayPal account.

Since XX/XX/XXXX, I have sold hundreds of thousands of dollars worth of items and have never let my account go negative. To this day, I have to withdraw all of my money the same day it 's put in my PayPal because I live in fear that they 're going to freeze all of my money again. Even doing this, my account has STILL never been negative, and all returns/etc have been handled perfectly.

Thank you for your time and I look forward to your response. 

XXXX
Product: Vehicle loan or lease

XX/XX/2018 my car was totaled at the time the insurance didn't want to pay. And since the car was in such bad shape when I arrived to the scene of the accident. XXXX County sheriffs had my car towed to their location due to the vehicle being non drive able. 
I called my loaner Capital one to dispute the claim and I was told the remainder of the cars total value which was XXXX was still due on the vehicle. I tried numerous times to decrease the payments due to pleading hardship and the car being totaled damaged. Less than six months later creditors are calling me on behalf of capital one, at this moment I am in a new vehicle and can not afford two car notes. Before i got a newer car I was trying to settle with the actual company, now creditors are calling me every other day, numerous different people, numerous area codes around the world so terrified to answer. I couldn't even get a loan was so close to the point of filing Chapter XXXX bankruptcy just so this unresolved debt wont linger over my head.I just received a letter in the mail about a few weeks ago around XX/XX/2018 saying that the creditor was willing to settle for XXXX. So if the loan has went down from XXXX then take it down another XXXX and i can then make a new compromise then what we discussed before. Due to not trying to really work with me the other times I rarely want to pay anything. I was in good standing with my this loan until this incident happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Management , LP XXXX XXXXXXXX, for committing identity theft. I have never given Credit Management , LP XXXXXXXX, XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Credit Management , LP XXXX, XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Credit Management , LP XXXX, XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Credit Management , LP XXXX, XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Management , LP XXXX, XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Management , LP XXXX, XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management , LP XXXX, XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Credit Management , LP XXXX, XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report I noticed unauthorized and fraudulent credit inquiries even after I advised you of identity theft and asked that my credit be frozen by phone call, online and letter. I did not authorize anyone nor give Written consent to anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Trans Union permission to furnish this information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am not responsible for the listed account as I am a victim of identity theft. The furniture store in question forged my name on a contract which I did not authorize. I forwarded an identity theft police report number from my local police department, as well as my report/complaint number with the FTC. I also furnished TransUnion, XXXX and XXXX with the XXXX XXXX XXXX regarding the fraudulent account and charges and after numerous complaints written, phone and online you have continued to violate my consumer rights. 15 US Code 1108/c-2, that clearly states a consumer reporting agency shall block the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. You are in violation of this law because I am a victim of identity theft!! Please delete these Items immediately from my credit report and as the law advises block the reporting of the information I would hope that TransUnion, XXXX and XXXX no longer violates my rights and removes and blocks the below account and its information as well as remove ALL inquiries associated with this identity theft. If this information is not removed and my credit report updated within the 4 business days the FCA law requires I will be forced to file a Civil Suit to protect my Federally protected rights. 

Personal Information to be deleted : Address : XXXX XXXX XXXX XXXX NY XXXX Account to be immediately cease and desist reporting, delete and block from reporting : XXXX XXXX Account XXXX Date Opened XX/XX/XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX Inquiries to be removed immediately : XXXX, XXXX inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Best Regards, Without Prejudice. All Natural Inalienable Rights Reserved
Product: Mortgage

I have been trying to get my house affixed to the land and am willing to sign papers where the land is part of the house. I spoke various times to the company without resolve. I am also trying to get a VA Loan since I am a XXXX Veteran but still no progress with company. I gave the new loan company the information and authorization to get the information of the current loan and the current company still declined to give them information. As a XXXX Veteran I am trying to get my due rights of a VA Loan but the existing loan company is blocking all attempts.