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

I opened account with Union Bank in 2015. When I was at branch location in XXXX XXXX XXXX, teller was very rude and refused deposit a check, because my first name had one letter different. I tried to explain and even showed California government Insurance, that my first name can spell different. I also pointed out that similar check /same merchant, similar $ 800+ amount was deposited previous week /. I asked for supervisor. They had so many people working at this branch but only 1 teller was available. Behind me was an impatient XXXX  man who was pacing and asking me to move, while I still was speaking to teller! I stood aside. XXXX  man went to cashier and was making comments about me, while I was there - its a very small branch and space by counter is tiny. I politely told him not to talk about me. Manager came in, that XXXX  man got weird and hit my leg with his leg! He knew very well that Bank workers couldn't see that, because of tall counter! I was upset and told him to stop acting crazy while he called me name. Manager said that he is regular customer! They refused to assist me. When I went to my car and drove away, I saw XXXX  man behind me! I parked and called acquaintance of mine. 2 hours later we safely left. I was prejudiced against in this branch where they favor XXXX, I was insulted. I lost money, because not able to deposit a check, I ended up cashing it without any problems at cashing place for a very high fees, because I needed cash to pay a bill. I left a card in the branch, being upset about mistreatment and couldn't withdraw my own money. Shorty after, branch in XXXX XXXX sent me letter that they discontinued my services! I had to wait for a while, when they told me they will mail me check from my account, losing money because of all above mentioned - {$580.00}. Bank was holding onto my money meanwhile, while I wasn't their customer. Eventually they sent a check. 
I am demanding them to pay my losses {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX {$13000.00} XXXX  {$4400.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Plus remove hard inquiries that does not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mobile deposit and withdrawal on accounts from us department of treasury spelling wrong of my name. Bank accepted them Calle me a liar didnt sleep for month on medication XXXX 3 times
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX XX/XX/2018 and Buyer claimed they did not receive item which was false because the XXXX tracking proves that they received and even signed for the shipment. This transaction was done through Paypal and they took {$240.00} from my Paypal account stating that the buyer filed a chargeback! After about 75 days they told me that the buyer 's financial institution decided in the buyer 's favor on XX/XX/2018 .Paypal Seller protection is for ( Charge backs and Fraud cases )? I asked did you all really divulge the XXXX tracking information to the bank because if so there should not really be a problem since the shipment was delivered and signature is file. Paypal refuses to stand up for their seller protection policy and won't give me the name of the financial institution that they say has my money so that I can communicate with them and prove that the shipment was delivered and signed for.Now I am out of the item plus the {$240.00} Please help me resolve this problem! Thanks
Product: Money transfer, virtual currency, or money service

Bank of West. Routing. # XXXX account. XXXX My email was highjacked and bank info changed to above. I called Bank of West They said if company name intended to receive money did not match recipient account, wire would be returned. Later XXXX ( my bank ) formally asked for return of wire. Bank of West said recipient refused. Closed case!
Product: Debt collection

My uncle got an apartment in my name and was evicted. I have been fighting to get this removed from my credit report with no response or help from anyone. 

On XX/XX/XXXX XXXX  {$2000.00} was added to my credit report. and on XXXX I contacted all 3 credit bureaus who said they were going to research and but I never got a response and when I try to dispute it again it just says Unable to submit dispute " This tradeline has already been investigated for a dispute ''
Product: Payday loan, title loan, personal loan, or advance loan

In [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], my account with AFFIRM INC was reported as late, which I believe is inaccurate. I made payments on time for both months in question, but the company 's records incorrectly show late payments. I have reviewed my payment history and confirmed that my payments were made within the grace period or by the agreed-upon due dates. 

I contacted the company after noticing the error, requesting a review of my account and a correction to reflect " Paid on Time '' status for those months. To date, the company has not corrected the reporting. 

I am submitting this dispute to have my account updated to accurately reflect the on-time payments for the months in question.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by your company XXXX XXXX ) that ( account XXXX ) with XXXXXXXX XXXX XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 
In Accordance with the requirements of the FCRA SECTION 611 ( 15U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification, this is a serious violation of the FCRA AND I now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit report in order to avoid legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  the verbiage on the XXXX XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all 3 Bureaus, XXXX Report and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, XXXX XXXX is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan account.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 section 2 : it also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries on my credit report that were added without my authorization. I am a victim of a data breach that has led to unauthorized access and activity on my credit profile. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be permanently removed from my credit report to protect my credit and prevent further damage. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you because I have found some information that is inaccurate on my credit report. I do not believe these accounts were ever paid late. 
I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are account -XXXX  XXXX XXXX XXXX. # XXXX account - XXXX  XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 usc 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a a account without my written instructions.

15 U, S. Code 1681a - Definitions ; rules of construction
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' correctly listed as my current employer. However, my occupation is XXXX, not teacher.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app, ( Block lnc. ) 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. Further more their dispute process was unfair and deceptive as they did not comply with error resolution requirements under Elective fraud transfer act ( EFTA ) and regulations.These actions have caused inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Please be advised that I just received a phone call on XX/XX/2018, from a person claiming to be from Social Security, stating that my Social Security Number was suspended. The call came from XXXX, which is the actual Social Security Hotline. 

My husband also called the local police while the person was still on the phone, and we alerted the person that we were reporting him to the police for fraud. 

He gave me his name as Officer XXXX XXXX, Badge Number XXXX. I spoke to Social Security and they assured me that none of their employees have Badge Numbers. 

He stated that my Social Security Number was suspended and there was an Arrest Warrant # XXXX for the perpetrator who is from XXXX XXXX, TX. He stated the Case # XXXX XXXX and then gave me an address of : Social Security Administration XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX, MD XXXX I alerted all the credit reporting agencies and my banks so that they are aware that I have not given my information to anyone, and they should be aware that this scam exists to protect other customers. I could not get through to Experian on the phone or on their website to put a Fraud Alert on my account, and want to make sure that they do so immediately to protect my credit. However, XXXX  and XXXX have initiated a FREEZE on my credit accounts, so no one should be able to access my credit information without my permission. 

Should you have any questions or clarification, please feel free to contact me. 

Thank you for your courtesy and assistance in this regard. 

Sincerely XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Alliance One ( XXXX caller ID ) repeatedly calls at all hours claiming that I have an alleged debt. The caller refuses to answer questions concerning this alleged debt ie : who this debt owed too, how much is it, when was it incurred, etc. The caller becomes verbally abusive and does not allow me to reply or ask for a verification of the debt. Usually after XXXX minutes the caller will angrily hang up.
Product: Credit reporting

Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
Product: Credit reporting or other personal consumer reports

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item removed from my credit file. 

Disputed Account : XXXX. XXXX  Account Number : XXXX Opened : XX/XX/year> Balance : {$510.00} Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of human XXXX  are entitled to have negative credit information resulting from their XXXX  removed from their credit reports. I am formally requesting that TransUnion process the removal of this account in compliance with this law.
Product: Credit reporting or other personal consumer reports

I have the following accounts on my credit report that are documented as charged offs : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted each of the companies directly on numerous occasions, dated back to XXXX with no resolution to date. The most recent contact was XX/XX/XXXX. Each year I have been trying to get a copy of my 1099c since all three companies have stated that each account has been charged off/written with refusal to send me the appropriate information. This information has impacted my credit report and has been misleading to lenders and creditors. 

Listed below is a generic letter letter that I have submitted to all 3 creditors with no response : To Whom It May Concern, I am writing to formally dispute the current status of the above-referenced credit card account and to request the issuance of IRS Form 1099-C for the cancellation of debt associated with this account. This account was reported as charged off by XXXX XXXX XXXX XXXX, and I believe it qualifies for cancellation of debt reporting under the applicable Internal Revenue Code ( IRC ) and IRS regulations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stipulated in 26 U.S. Code 6050P, a creditor must file Form 1099-C when a debt is canceled or forgiven in an amount greater than { {$600.00} }. The amount of the charge-off for this account exceeds { {$600.00} }, and it remains unpaid. Under these circumstances, I believe the cancellation of debt for this account should be reported to the IRS, and a 1099-C should be issued. Additionally, 26 U.S. Code 6050P ( b ) ( 1 ) clearly mandates that any debt canceled in excess of { {$600.00} } must be reported by the creditor. The cancellation of this debt qualifies under the relevant provisions of the IRC and IRS guidelines. I request that the Form 1099-C be issued for the XXXX XXXX XXXX, and that it be sent to my address on record. I also reference IRS Publication 4681, which addresses the requirements for reporting canceled debts, including credit card charge-offs. The IRS requires creditors to file Form 1099-C in cases where the debt is charged off and exceeds the { {$600.00} } threshold. If there are any exemptions or reasons why this account would not qualify for reporting under the IRC, I request that you provide written documentation and supporting case law or IRS guidelines. I expect this matter to be resolved within 30 days from the date of this letter, and I request that the completed 1099-C form be sent to my address no later than XX/XX/XXXX, in compliance with IRS filing deadlines. Thank you for your prompt attention to this matter. Please confirm the status of my request in writing. Sincerely, XXXX XXXX XXXX
Product: Money transfers

I got scammed using PayPal. I made a request on XXXX for concert tickets. I was texted by someone who offered me 4 tickets for {$130.00}. I accepted and they gave me their email to wire the money to saying that they would send the tickets electronically to my email. They never sent the tickets but accepted the money I sent. They stopped answering my text messages too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.