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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Mortgage

SPS has not been reducing the mortgage balance by the payments they are receiving. 
We have paid XXXX XXXX through IL Housing Assistance along with the reg mortgage payment, and I don't see where the mortgage balance has been lowered. 
I have a called and email them to look into this matter. 
SPS has a terrible score with the XXXX XXXX XXXX  with numerous consumer complaints. This company should be closed and investigated. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file.

The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXX, a representative of the collection department of Amex agreed I pay {$5000.00} to close my case of personal loan total {>= $1,000,000}. But just next day their supervisor was denied this agreement. The supervisor said they never agreed anything. 
I called every Amex complaint number I could find. None of them were willing to look into whether or not their representatives had ever made a repayment agreement with me. 
Because of difficulties and the epidemic, I was not able to repay the loan.Amex forged signatures to deceive the judge, falsely claiming that they had served me with an indictment. 
Finally, I was forced to take out a loan shark to repay this personal loan to close the case. I am still suffering from this debt.
Product: Mortgage

My family went into a Covid 19 forbearance with Freedom Mortgage. It was supposed to end on XXXX XXXX. I called in XXXX to get information on refinancing options and she wanted to review them. At the time I was not available to dicuss the options. Since XX/XX/XXXX there was no communication until XXXX XXXX. I received a letter dated for XXXX XXXX that stated we were in default for {$46000.00} with a {$15.00} fee a and {$2.00} Less amount in Suspense. I then called to ask why I was'nt notified when we will be coming out of forbearance and why was not I given any options on how to exit. She stated they don't have to that is not how forbearance works and they were waiting on me to call them. Now i have to do it manually and it will take up to 30 days in the meantime they will report to the default to the bureaus. This mortgage company is going to use this tactic to force families into foreclosure. You have to catch it before people loose their homes.
Product: Money transfer, virtual currency, or money service

Approximately 18 months ago I requested that First Technology Federal Credit Union link my savings or checking account to my son 's First Technology Federal Credit Union checking account so that I could make an emergency transfer to his account. First Tech informed me that they could not set this up without my son being present at the branch. He lives out of state, so it was not possible and I did not pursue it further.

On XX/XX/XXXX, I set up a transfer from my First Technology Credit Union savings account to a joint checking account I share with my husband. The amount was {$2100.00}. For this transaction, I downloaded and installed the mobile app and proceeded with the transfer to the joint account.

When the funds did not appear in the joint account, we realized that the funds had been transferred to a First Technology Federal Credit Union account that we were unfamiliar with.

Upon calling the bank, they informed me that the transfer had gone to my son 's First Technology Credit Union account. I likely accidentally selected the wrong account probably because it was at the top of the list in the mobile app. I'm not completely certain. The account was linked to mine even though we had not gone through the steps to connect them.

First Technology Federal Credit Union refused to pull back the funds from my son 's account. They told me the only way to do this would be for my son to go in person to a credit union associated with First Tech, give them the account number the funds should have been transferred to so they can transfer them back, or else to get a cashier 's check and mail it to me. My son lives in another state, is mentally ill, and does not have transportation to get to the credit union. After explaining all of this, they then proceeded to try and sell me on opening up a low interest loan or credit line as I am a premium customer. This just doesn't seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted immediately!!!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/18,XXXX NetSpend service rep . Blocked monies on card XXXX, I reported unauthorized charges XXXX from XXXX XXXX on XX/XX/18, service rep said theft happened, I told rep, transaction was not authorized, please submit claim rep refused my request, blocked card, Said she would order new card. On XX/XX/18, I called XXXX XXXX about actions on my acct with NetSpend, XXXX XXXX rep said purchase prepaid card and transfer remaining amount on prepaid card and use your monies. I called NetSpend back on XX/XX/XXXX with new card number XXXX rep said block was on prepaid card and 24 hours for XXXX, to be unblocked. I called on XX/XX/XXXX, again NetSpend service rep,24hours for monies to unblock. XXXX XXXX said on XX/XX/18 they can't make NetSpend service release funds,. I called NetSpend Corporate office XX/XX/18, no one will help. These are XXXX pension and SsI  benefits,, please help me. thanks
Product: Credit reporting or other personal consumer reports

I am formerly informing The Credit Bureaus : XXXX, Transunion, XXXX, that I have opt out of sharing my Non public personal information with the Following Companies : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX I have taken appropriate steps to exercise my rights under 15 USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified All The above companies that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that the above companies have continued to furnish my nonpublic personal information to non affiliate third parties, and consumer reporting agencies are still reporting my non public personal information, without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. I am requesting that the non affiliated third parties, to stop reporting my non public personal information on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the above companies and the credit reporting agencies complies with all federal regulations and laws, including the XXXX to protect the privacy and information security of consumers like me. 

Thank You The Following are the compliant numbers Filed against each company. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX, 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent a payment in the amount of {$1000.00} to a local business for the purchase of a transmission. The item was received in person and the sale was completed. PayPal is refusing to release the funds to the seller for 21 days. The " confirm receipt '' button on my payment transaction is not available. PayPal claims it is supposed to be available 48 hours after I sent the money to the seller, but there is no such button on this transaction via Desktop/Laptop using XXXX XXXX, my mobile phone, or any other device. 

PayPal Customer Service via phone can only promise to have " management '' look at it but each time they were supposedly opening a ticket I was conveniently hung up on. I have now made multiple calls to PayPal without being able to resolve this. I used my PayPal Mastercard to fund this transaction, so I will be forced to pay the {$1000.00} balance off BEFORE the seller even receives the funds. And, because PayPal is holding the funds, I will now have to take a check across town for {$1000.00} to pay the seller because they can not wait 21 days for the funds to clear. 

The CFPB should investigate this further and sanction PayPal because there are *DOZENS* if not *HUNDREDS* of similar complaints on forums and websites. In each case, the situation is virtually indistinguishable from my own. Buyer purchases an item in person, makes a rent payment, or sends money to a friend to pay for an item. PayPal states the buyer simply needs to click the " confirm receipt '' button to release the funds to the seller. However, the button does NOT show up up ( whether due to a technical glitch or intentionally ), and PayPal will not allow the Buyer to release the funds even if they fully verify their identity and request to do. It can only be done by pressing the button that does not exist. PayPal reps claim they are baffled that the button does not exist, but there is no easy process to open a ticket or receive customer service as each time I've called in I've been hung up on. PayPal needs to resolve this immediately. The CFPB should not allow PayPal to simply respond to this one complaint and avoid the broader problem that clearly exists.

I have an exceedingly long PayPal history and I purchased an item from a reputable business. I have contacted PayPal and told them the item has been received. They are holding the seller 's fund in violation of their own policies, and I believe this activity is intentional and collusive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/year> XXXX, Experian, & XXXX Request to Update Address and Remove Inaccurate Accounts I am writing to formally request an update to my personal information and the removal of any inaccurate accounts associated with a previous address. Please update my current address in your records to : XXXX XXXX XXXX XXXX XXXX Tx XXXX Additionally, I have noticed all accounts on my credit report that appear to be linked to an outdated or incorrect address. These accounts do not belong to me and should be removed from my credit report as they are inaccurate. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these errors by updating my address and removing any accounts that are not associated with me. I have attached copies of my identification and proof of my current address for verification purposes. Please complete this investigation and provide a written response within the legally required XXXX timeframe. If you need any additional information, feel free to contact me at the details provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX to try to put a freeze on my credit report with Equifax following their data breach, and whenever I go through their online application I get a message upon completion that there is a system error # 500 and that I should try again later. I have implemented freezes with XXXX and XXXX with no problem, but Equifax is none responsive. I 've also tried their call center, but their emergency call center simply has referred me to another center where I am put on endless hold. 

Particularly in light of their data breach there should be some vehicle for implementing freezes on Equifax accounts, or simply a requirement that Equifax be prohibited from providing credit reports until their systems for implementing freezes are available to all customers.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy is supposed to be protected under the Fair Credit Reporting Act 15 USC 1681 section 602 as consumer reporting agencies suppose to insure with fairness, impartiality, and respect for the consumers right to privacy. Transunion and XXXX are consumer reporting agencies and I have the right to protect my private information and make sure it isn't shared which is backed by 15 USC 6801. XXXX XXXX, XXXX, the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information along with they don't have my written consent. Any and all consent to Transunion, XXXX, XXXX XXXX, XXXX whether written, verbal, non verbal implied or otherwise is revoked. IN 15 USC 6802 ( b ) ( c ) it states that financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer gives a explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. These accounts are adverse items, ( 15 USC 1681C ( a ) ( 5 ) explains and they are reporting again without my permission which is against the law. Also 15 U.S. Code 1681s-2 ( A ) ( 1 ) 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. Transunion and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of 15 U.S. Code 1681e.to sum it up,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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( XXXX XXXX XXXX and XXXX ) that no record of this account exists under my SSN. Tried to tell Equifax that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both equifax and XXXX, was placed on hold. No one ever returned to line.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Credit bureaus addresses : TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN Subject : Disputing Information in Credit Report DEBT WAS INCLUDED IN BANKRUPTCY.

I AM ALSO REQUESTING THAT YOU TAKE ACTION AND REMOVE BANKRUPTCY FROM MY CREDIT REPORT, THATS BEEN ON MY FILE FOR 8 YEARS. AS PER MY UNDERSTANDING, THIS WAS TO BE AUTOMATICALLY REMOVED FROM MY CREDIT REPORT. PLEASE UPDATE AND CORRECT.

Bankruptcy filing Means I AM no longer legally obligated to pay it ; creditors are prohibited from trying to collect on that debt anymore. 
I am writing to dispute the following information in my file. SEE BELOW Collections 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  - {$2500.00} Closed Enclosed is documentation supporting my request, BANKRUPTCY, BILL, ID CREDIT REPORT Please investigate this matter and delete or correct the disputed CREDITORS as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : BANKRUPTCY, BILL, ID CREDIT REPORT ________________________________________
Product: Debt collection

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Equifax and they have failed to comply with removal of all items within the four business days.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires, on my experien, gave me a XXXX XXXX. XXXX hard inquires of creditors that ran my credit with out my consent. As I looked through them I never even heard of them. Its ruining my credit with this false information. I have disputed the XXXX hard inquiries not once but twice in the pass 3 months. And still nothing.
Product: Debt collection

SOMEONE USED MY INFORMTION TO OPEN CONN APPLIANCES WITHOUT MY CONSENT. I WENT TO XXXX XXXX POLICE DEPARTMENMT AND FILED A POLICE REPORT AND THEY DETERMINED THAT THE ACCOUNT DID NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CRDDIT PROFILE THANKS.