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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX5 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Payday loan, title loan, or personal loan

I made a complaint right here and they did nothing so this complaint process seems to be as bogus as checkngo 's promises. They broke the agreement and took money 3 days early. Then after I complained they said they would send me {$35.00} for their mistake. I sent them payment minus the XXXX dollars because i don't trust them/ now they say they don't have my money and are badgering me to pay them again.The loan was to be paid on XX/XX/XXXX they took the money XX/XX/XXXX the loan was for XXXX XXXX to be paid back with interest and fees. I paid them they broke the contract and now they claim i haven't paid. I have proof from my bank that shows all I am saying is accurate. They will not correct their mistake and they continue to punish me for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXX . 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX Cc : Transunion XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX , GA
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a prepaid card to build credit. ALWAYS PAID ON TIME. I was never late and it fifth third reported negatively to my credit on multiple occasion late 60 days or more. Which is incorrect and a lie.
Product: Money transfer, virtual currency, or money service

Paypal recently sent a letter informing me of changes to their user agreement, and by doing nothing that these new terms and conditions would be automatically implemented on the dates in the letter that ranged between XX/XX/XXXX and XX/XX/XXXX. They state in their letter an opt out provision that requires the closure of the account. 

I called on XX/XX/XXXX at XXXX pm and spoke with their customer service representative and told them I do not consent to their unilateral alteration of the terms and conditions, and thus would like to keep the current contracts governing our relationship in place, or close the account. They refused to do either, despite the letter which indicates that remedy as PayPal well knows they must receive either direct or implied concent to unilaterally alter the agreement that governs the relationship between them and their user. 

Paypal does not have a choice here without being in violation of contract law. I have requested to opt out of the changes, they have a remedy of closing the account if I do not concent, and now refuse to do either. A violation of their legal responsibilities as well as given their own opt out provision, which they are not allowing me to exercise, a violation of the covenant of good faith and fair dealing. 

To be clear, I am opting out of the changes on both my personal and business account with PayPal associated with the email addresses XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that I never applied to. 
Here is the list of false hard inquiries : On XXXX : 1.  XXXX/XXXX : Inquiry from XX/XX/XXXX 2.XXXX/XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX/ XXXX XXXX  : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX/ : Inquiry From XX/XX/XXXX.
Product: Mortgage

XXXX Affiliate Mortage Collection agency assumed collections/payments for XXXXXXXX XXXX XXXXXXXX XXXX. The book keeping was by hand with pencil and paper and incorrect. My payments were mailed certified on time for months to assure correction application of my payments but were still applied and reported incorrectly to all 3 credit Bureaus. I have attmepted disputes via certified mail XXXX and XX/XX/XXXX directly to Affiliate Mortage. There is no singned contractual agreement or obligation to Affiliate Mortage or even a signed late policy. They have turned the mortages back to the original XXXXXXXX XXXX XXXXXXXX, but refuse to correct the incorrect reporting that wrecked my credit. And, they are reporting different dates between the 3 credit bureaus. My loan has never been late, and has never been reported to the credit bureaus, EXCPET, when affiate got it and reported it late for 6 months!!!! Affiliate Mortgage did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute. Therefore, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Product: Credit reporting or other personal consumer reports

The credit bureaus will not let me use annualcreditreport.com For the past 7 years I have requested my annual credit report only to have the website tell me they will not fulfill the request. It has never been granted and when I ask the credit bureaus why they will not provide me an answer. My information is accurate and matches.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX Score XXXX ) ( Credit Score XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. 22 accounts. 

On XXXX  XXXX  - XXXX Credit Report ( XXXX  Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX  XXXX  original creditor XXXX XXXX XXXX  {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts 37. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX XXXXcore XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor Comenity Capital Bank collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX  credit card credit limit {$300.00} was paid on time with no past due amount. XXXX  XXXX  original creditor XXXX XXXX XXXX  date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.
Product: Debt collection

I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.
Product: Checking or savings account

I opened a CD account recently with Synchrony Bank and tried to register my account online at https : //auth.synchronybank.com/account/register site. After inputting my SSN and DOB, it took me to another screen ( https : //auth.synchronybank.com/account/initiate-otp ) asking me to confirm my identity. It listed an old phone number that I owned long ago. I couldn't select that so I selected the " My Phone number is not listed '' option and plugged in my current number. It threw me this error " Sorry, the selection you have made is invalid. Please select or enter a phone number with an appropriate delivery method. '' I tried the same number with different delivery methods ( both XXXX and Phone Call ), and it repeatedly threw the same error. The error repeated for my other active number as well. For testing purposes, I selected the old number listed in the dropdown and the OTP was sent successfully to that number. I called the bank 's customer service at XXXX and reported to them the issue. They said that they use a third party to confirm my identity and refused to disclose further details. They only offered to send me a code by snail mail, which they said will take 7-10 business days. My old phone number still exists in their system and I am afraid that I am susceptible to fraud because the OTPs are still being sent to the old number.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against the cash app ( Block , Inc. ) due to unfair customer service not being able to reach a live representative or get in touch with one which violated ( CFPA ) The cash app failed to take timely measures to prevent a dress the fraud problems on there end leaving my account unprotected there dispute resolution was unfair they did not comply with ( EFTA ) these actions have caused a finacicial loss I seek appropriate addresses for these violations.
Product: Debt collection

I have requested that resurgent cease and desist! and they have refused per the FDCPA 15 usc 1692a ( 2 ) the term communication means the conveying of information regarding a debt through any medium. A consumer report is a medium so they need to delete this alleged debt from my consumer report of this will be considered harrasment and abuse per federal law,
Product: Payday loan, title loan, or personal loan

I was making payments on time and a couple months later I was able to payoff the remaining balance and I did which was {$3300.00} I paid it from tax return by XX/XX/XXXX XXXX and left me with restricted from access to the line of credit I paid it off in hope to access to make fewer payments and not raise more balance but I was disappointed and I talk in phone with staff and they were not helpful and I feel regret I open this Line of credit I think the reason that the bank isnt care is because they have what they want through marketing by XXXX XXXX And the bank raise unexpected interest rate and advance fees and sudden denial of transfer and access to line of credit and disclose credit information that were reported inaccurately
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 to privacy and confidentiality under 15 USD 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sections 2 : it also stated 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 consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 u.s.c 1681 s-2 ( a ) ( 1 ) 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, credit repair services, or other personal consumer reports

department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # XXXX # XXXX # XXXX
Product: Debt collection

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNTS THAT WILL BE SENT TO COLLECTIONS ON XX/XX/2024, IS NOT MY ACCOUNT!!! SHE LIVES IN FLORIDA, I RESIDE IN XXXX, OHIO! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX!
Product: Credit card

My account was used fraudulently, and after over XXXX calls to Barclay XXXX with my Police Report in hand, I was credited for the amounts of the fraudulent charges. I was not, however, credited for any interest or associated fees. I am still being charged interest on the fraudulent purchases. Unfortunately, k due to the complicated process of calculating APR on these amounts, I do not know how much money I am being charged.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021 through XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX account to Kraken XXXX at the instructions of the scammers.
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 proce 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 30 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The lady on the phone or XXXX XXXX, yells and screams, uses demeaning and threatening language. 

Here is her info : PAYACEI COLETIONS Compliance XXXX, XXXX XXXX, Monday thru Friday between XXXX and XXXX, at XXXX or XXXX ext XXXX, for further assistance. 

XXXX XXXX XXXX XXXX Department XXXX American Collections Enterprise , Inc . 

> She promised to a settlement amount then withdrew offer, after she could not provide me the agreement in writing, when I insisted, she went ballistic and talked down to me, was not willing to negotiate, and could not would not promise how long the collection would be removed, said it was not up to her but with reporting bureaus. She would not stop screaming even after I asked her to lower her voice and pass me to a supervisor, she insisted she's the boss and will not transfer me to anyone and to not waste her time. I've tried to resolve the situation three times over the phone and by email to no avail. At this time I ask for a complete removal of my debt collection amount of {$1500.00} from my credit report by this company due to their abusive collection practices and inability to treat people with respect and the dignity every human being deserves. 

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

US Bank is reporting to XXXX that I still owe a debt for a car US financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.
Product: Checking or savings account

TD Bank I had opened a new account 2 months ago. I put my first paycheck in ( paper check for the first time ). I called into the customer service to see how long I would have to wait until I can access my money and begin paying bills. 

My paycheck date is XX/XX/2020. 

I put my check into the bank on XXXX I realize because of XXXX day on Monday XX/XX/2020, access to my funds would be delayed a day because of the holiday. 

I called the customer service line and the lady said that my funds would be ready on Wed XX/XX/2020. And that was a conservative estimate. She also said that I would be able to access {$100.00} of my money right away. 

So on Wed XX/XX/2020, I checked my account online, and I see that they still were not available. I finally called in and was informed that they placed a hold on it, ( they never told me this ) and will hold it until XXXX XXXX at the earliest! 

This goes well beyond and hold! This is my paycheck! I can not pay bills, those that I paid going by what the original lady told me, now I am being charged {$35.00} over and over! 

This violates any FDIC rule! They simply can not hold my money for well over a week and never tell me when and why! I need my medicine! This is held so long that my next paycheck will arrive before these funds are released! 
I need some help with this!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that XXXX XXXX XXXX reported a collection to my credit report with XXXX being the original creditor. It was determined that this account does not belong to me. But has not been removed from my credit report. I have never had an account with XXXX.