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

On XX/XX/2020, National Credit Systems INC. reported a delinquent account to my credit report. They said an apartment complex called XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX  retained them to collect an amount of {$3200.00} owed to them from me in back rent. I live in XXXX XXXX XXXX XXXX XXXX during the time of the lease in XXXX XXXX XXXX also a victim of identity theft ( I have a report for this ).. I contacted the company after seeing the account on my credit report and I emailed them a copy of the police report, I emailed them a lease for my home in XXXX  for the dates the lease was signed in XXXX  I also sent them paycheck stubs from my XXXX XXXXXXXX  during those dates as well its been over a year going on XXXX years since Ive emailed those things and the company will not remove the account from my credit report. Im now XXXX  because no one will rent to me with owing a previous landlord!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Employer : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX TX XXXX Employer : CEO Of XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I pulled my credit report and saw several fraudulent accounts to whom I have no knowledge of, some of them dont even have an account name.
Product: Credit card or prepaid card

Last month I never received my statement via mail or email. I called the company and paid my bill in full and informed them I did not receive a statement. They removed the late fee. Again today I happened to call to check my due date and found out it was yesterday and again I did not receive my statement. I would like my late fee waived because this is no fault of my own. I only called because I thought this was around the time the bill is usually due. I should not have to guess. I need my statements.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to submit a formal complaint and appeal against the permanent limitation that was recently placed on my PayPal account. I firmly believe that this limitation has been erroneously imposed and I would like to request a thorough re-evaluation of my case in order to rectify this situation. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or engaged in any activities that would warrant such a severe action against my account. I have always conducted my transactions within the boundaries of PayPal 's terms of service and adhered to the guidelines set forth by the platform. Therefore, it is my belief that this limitation is a result of an error or misunderstanding. 

Given the importance of my PayPal account for my personal and professional financial activities, I kindly request PayPal to undertake a comprehensive investigation into my case. I would greatly appreciate it if the relevant department could review the details of my account, transaction history, and any associated activities, with the aim of identifying any misunderstandings or errors that may have led to this unjust limitation.

Furthermore, I kindly request PayPal to restore my account access and remove the permanent limitation if the investigation determines that my account has been unfairly restricted. I have relied on PayPal as a trusted and secure platform for conducting my financial transactions, and the permanent limitation has caused significant inconvenience and disruption to my daily operations. 

For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate any updates or resolutions to this email address to ensure timely correspondence. 

I would appreciate your prompt attention to this matter and a timely response regarding the progress of the re-evaluation of my case. I trust in PayPal 's commitment to fairness and accountability, and I sincerely hope that this issue can be resolved to reinstate my access to the platform. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries from this company showing on my credit which is affecting my financial situation drastically.
Product: Credit card or prepaid card

Was charged 18 months of interest, on snowblower that was sold to me as being interest free for 18 months then if we still had a balance after the 18 months I would be charged interest on the balance after that, tryed working this out was told pay the {$1000.00} for snowblower today and they would save me some of that charge, and that when I would pay my payment every month that I should have told them to take it of off the old balance first, so since I did not do this its my problem and owe them that {$560.00} interest, and I could close the account if I didnt like these terms, and could never have a account with them again THIS IS HOMEDEPOT CARE OF CITIBANK
Product: Debt collection

On Wednesday XX/XX/2019 at approximately XXXX XXXX, XXXX XXXX of " IC System, '' called me to collect a debt ( {$50.00} from XXXX XXXX XXXX ). At that time, I informed him that I would pay XXXX directly because that way they will be able to restart my pet 's health insurance which I was unaware had lapsed. 

At that time, XXXX told me that " XXXX would prefer that I pay IC systems '' when I asked why that was, he stated that " XXXX may not have my file any longer. '' When pushed, he admitted that he was entirely unaware of whether XXXX had my file. Accordingly, XXXX was attempting to collect this debt by making misleading statements ( a statement as fact, that he had no factual premise for ). 

Moreover, he proceed to call me a " piddly little person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Payday loan, title loan, or personal loan

I sent World Finance a cease and desist letter that included a request for several documents. I also informed the corporation that I was disputing the alleged debt. This letter was delivered to the corporation on XX/XX/2022. On the day of XX/XX/2022 I received a text message from XXXX who works at World Finance saying I was on a court list and that I needed to make a payment before its too late. I also spoke with XXXX and she verified that the letter was received. I asked XXXX did World Finance file a lawsuit against me or was World Finance threatening me. XXXX also mentioned that World Finance would garnish my paycheck. XXXX also attempted to collect a payment. My consumer rights have been violated. I informed the corporation to stop contacting me and send me the requested documents instead I was ignored. I am being harassed and World finance is causing me emotional distress. I cant even sleep because they constantly calling about an alleged debt. I want my cease and desist honored. I am a federally protected consumer.
Product: Credit card

I received an alert from XXXX and from XXXX XXXX credit monitoring, both places, stating that I got a new inquiry from CITIBANK, BEST BUY credit, from today, XXXX XXXXXXXX XXXX  I never tried to open a credit line with Citibank Best Buy.
Product: Credit card or prepaid card

Good afternoon ; My name is XXXX XXXX. I applied for a store credit card from XXXX XXXX XXXX XXXX XXXX XXXX. I bought an engagement ring. I paid cash for the setting on XX/XX/2020, in the amount of {$1700.00}. I applied for financing that night. The financing was through Comenity Bank. I was told I would receive a letter in the mail with instructions in 5 to 7 business days which I did. The letter indicated to bring in my w-2, a utility bill, drivers license and social security card which I did on XX/XX/2020. I had already paid {$880.00} as a deposit to have selected diamond sent to the store. Once I confirmed the diamond I gave another cash payment of XXXX on XX/XX/2020, bringing the balance to {$5000.00} for a diamond that cost {$7800.00}. ( Included tax ). So at that point I was going to take the financing being my credit score is over 700, 28 % debt to income ratio. Comenity bank stated in the letter to send my drivers license, social security card, utility bill and w-2 to a PO Box without a tracking number because there would be no one at a PO Box can sign for it. We called customer service who told us we can only send the Information to a PO Box . They refused to take the information by fax and do not have a secured website or portal to upload my personal and private information to. I was appalled being a licensed MLO. It is my understanding any business handling personal and private information such as social security numbers must have a secured portal to upload documents or a fax to receive the incoming items such as social security numbersdrivers license. I do not believe sending personal and private information unsecured is acceptable in any way. At that point I chose not to work Comenity Bank and feel this should be looked into to help avoid any type of fraud. Thank you
Product: Checking or savings account

I have been a customer of Bank of America since 2019, over the past few months i have been blocked from accessing my funds well over 20 times.I recenently deposited a check which was placed on a week hold.Check cleared and i go to use my debit card and I`m blocked again.I call Bank of America only to discover that my account is being closed and I cant access my checking account.I was told that the account was under investigation for fraudulent activity once again.This has happened to me many times within the past few months but now my account is closed no one is helping me, while I am unable to pay my bills, I have been hung up on by agents and misdirected by managers.I am at my wits end trying to deal with the company and dont know what to do about my situation.I feel like the way they are handling the situation is beyond unprofessional and need help retrieving my funds at a realistic time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against XXXX XXXX XXXX XXXX and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
Product: Debt collection

A VICTIM OF IDENTITY THEFT. I HAD NO KNOWLEDGE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED BELOW WERE OPENED FRAUDULENTLY. 


XXXX XXXX  # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 



ATTACHED TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX  {$5600.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing
Product: Money transfer, virtual currency, or money service

I dropped my vehicle off on XX/XX/XXXX for repair. This merchant uses Cash App XXXX 's XXXX is name. 
I paid {$1000.00} in cash on XX/XX/XXXX for repair for the parts.. For the entire repair he stated {$2400.00}. I have the confirmation text and picture of ID. Mechanic was suppose to replace lifters, cam gasket, oil. He ordered the wrong parts, he messed up my timing chain and oil pump. I received my vehicle back XX/XX/XXXX not working. I paid the additional {$1100.00} through Cash App. My vehicle is still not fixed and because of this service the XXXX dealer says I need a new engine. The mechanic replaced the coolant and put in the type. Vehicle is worse than when I took it to him. My husband has called him and texted him with no response. We have text messages of our discussions. I have tried to communicate a partial refund. I have spent close to {$4000.00} and I am only disputing partial of my money. I took my XXXX XXXX XXXX to XXXX after this and they stated since his repairs they recommend a new motor. I have showed that to the mechanic. He stated verbal if it was his fault he would eat the cost. It is not fair to pay for a service and then the services are not provided. This left my family without our family vehicle for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried disputing the following unauthorized inquiries with Trans Union. Trans Union would not let me dispute these unauthorized inquiries online or over the phone. These inquiries are not mine. So I am asking Trans Union to do a full investigation of these unauthorized inquiries on my Trans Union credit report. If these unauthorized inquiries can not be verified. I'm asking for these unauthorized inquiries to be deleted. 

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

In accordance with the Fair Credit Reporting act XXXX account # ending in XXXX from XXXX and account ending in XXXX from Experian and XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX account # ending in 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 601 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Mortgage

I have made a formal request to my mortgage company, New Rez, to remove my escrow account. The first request was made on XXXX, the second one was made on XX/XX/XXXX, the third one on XXXX, and the last one on XX/XX/XXXX. I have used the contact us tab on the company 's website and downloaded a formal letter with my original signature. I also contacted the customer service several times, and have emailed them at XXXX I have also sent it by U.S. mail on XX/XX/XXXX. 
Each time I send a communication, I get an automated letter response, that my communication was received and is being at the works. However, I have never received a concrete reply so far, and no action was done to satisfy my request. 
In the meantime, I cancelled my previous homeowner insurance policy and asked the mortgage company to not make a payment. They did so despite my request on XX/XX/XXXX, to renew the policy that was schedule to renew on XX/XX/XXXX. I have a new homeowner insurance policy with XXXX XXXX XXXX, which I pay independently. I sent the mortgage company a proof of cancelation for my previous policy with a proof of my new policy. I also sent them a proof to show that the funds they paid to the previous homeowner insurer on XX/XX/XXXX were reimbursed to them on XX/XX/XXXX. 
I requested again to delete my escrow account and pay me back all the funds they are holding. 
I spoke to a customer representative over the phone last Friday XX/XX/XXXX, and she filed a complaint and said my request will be expedited. I didn't hear anything since. 
I'm helpless- please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report.

The Credit Bureaus stated my account was properly investigated, How is that possible? There are still multiple in accuracies? Open Date is inaccurate, the date last active is inaccurate and the Date last reported is incurate, different $ amounts in accurate. This is grounds for immediate removeal. They also violated my rights under the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
They also allow the XXXX XXXX to dictate validity vs. Following the Law. 

See Accounts Below : -XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX  XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX XXXX XXXX. STILL INACCURATE - REMOVE. 
-XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX Account : XXXX. STILL INACCURATE - REMOVE. 



They Also violated my Federally Protected Rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if the items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. 




I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agencies are volating my rights, not adhearing to federal law and costing me dearly.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I WANT ONE THOUSAND DOLLARS ( {$1000.00} ) per violation and REMOVE THE ACCOUNT ( S ) IMMEDIATELY