23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I just want to complain regarding on my account XXXX Paypal banned my account without any reason can '' t with withdraw my money for almost 2months now. Badly need my money I workhard to earn to sustain my needs then suddenly cant withdraw. Why is just they banned my account? this email link in my paypal XXXX XXXX
Product: Checking or savings account

This is a complaint against Chase bank ( Dispute Department ) for lots of unauthorized charges without my knowledge or permission appeared on my Chase checking account. On XX/XX/2024, I contacted Chase bank at the Disputed Department to file a claim for all of the unauthorized charged totally {$600.00} against the Merchant XXXX. But Chase bank declined and closed my disputed claim Ref # XXXX with a response as my Claim is invalid without providing me any type of evidence of their investigation with XXXX. They also advised me to contact XXXX to submit the claim. Today on XXXX, I contacted XXXX and spoke with XXXX XXXX XXXX XXXX XXXX Media Services Dept. , after digging into all the unauthorized charges listed on my Chase Bank account totally {$600.00} Dollars. XXXX XXXX at XXXX told me that our XXXX  Daughter XXXX XXXX has taken my chase bank card without my approval, and she is not legally listed as an authorized user on this chase bank card account either. Without my approval and I have no knowledge about all of these unauthorized charges, and my XXXX daughter without asking for my permission, I am sincerely asking for your help in assisting me to get the full refund of {$600.00} for these unauthorized charges from Chase bank. Thank you very much for your valuable help and support in advance.
Product: Checking or savings account

On or about XX/XX/XXXX I deposited XXXX to my saving count which has. Balance of XXXX the check was written by XXXX XXXX, XXXX  from his trust account. I got a letter on approximately XX/XX/XXXX that there was a hold on these funds due to the bank having information that lawyer XXXX XXXX was writing bad checks and the check would not be paid and that I could have funds until the XXXX. This is my view nothing more XXXX harassment due to the fact that I have a brokerage account with said bank worth XXXX and I have never heard of a well known XXXX XXXX lawyer writing bad checks? This goes along with me asking for a credit card and them denying me stating that I dont have enough assets when I just sold my house and deposited XXXX XXXX XXXX in said bank. The one and only reason I done rake my business else is that I have a friendship with my advisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that aren't clearly mine. This is a second request to have them removed. Please remove them. I also included my personal documents, and I am not a credit repair nor a mortgage company.
Product: Credit reporting, credit repair services, 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. 

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 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry on my credit report regarding my XX/XX/XXXXXXXX account XXXX. The late payment is inaccurately reported, and I request its removal from my credit report. 

Account Details : Account Number : XXXX Account Type : Revolving account Account Status : Open Date Opened : XX/XX/XXXX Balance : {$0.00} Credit Limit : {$500.00} Issue : The late payment entry reported for the month of XXXX, XXXX inaccurately reflects my payment history. According to my records and the account history provided, I have consistently maintained timely payments for this account. There is no record of a missed or late payment for the period in question. 

Requested Action : I respectfully request to conduct a thorough investigation into this matter and promptly remove the inaccurate late payment entry from my credit report. This incorrect information is negatively impacting my credit score and financial standing, and its removal is crucial for an accurate representation of my creditworthiness. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I requested that this late payment be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} ; XXXX XXXX XXXX  XXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$45000.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for XXXX XXXX Credit Card on their startup program on XX/XX/2022. They said it would be soft credit check as advertised on their site. My call went to a different department where they took my application and did a hard credit check. Multiple XXXX agents confirmed that they would get my hard credit check removed in 90 days. 

It is still post 90 days and the hard credit inquiry on all three credit bureau still persists. XXXX other department approved my application but I didn't want that card and I wanted card under startup program so I declined the card and asked them to ensure that there is no hard inquiry on my file. 

Application Ref : XXXX When I called Credit Bureaus they said that XXXX has to remove these hard inquiry else it will stay there for 24 months. 

I have audio recordings with XXXX agents that confirm that they made a mistake in hard inquiry and it will be removed.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent in removal requests to XXXX for the last several years. Some of the dates XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and recently XX/XX/year>. The responses I have gotten from them is that the account is verified, but none of the errors were ever fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf XXXX XXXX XXXX XXXX for Insurance underwriting On behalf XXXX XXXX XXXX XXXX XXXX for Insurance underwriting XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive satisfied my obligation in satisfying this account with XXXX XXXX XXXX , XXXX which is the company this account was sold to. I am requesting that you stop reporting this account on my XXXX credit report as it has greatly hurt my ability to obtain credit and caused severe financial and emotional distress. If you chose not to oblige to my request, I will pursue the enforcements of my constitutional rights via federal court proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated and corrected 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute in with Equifax regarding The suffix of my name Ive been in contact with them the last month trying to get it change I also let them know I was in the process of purchasing a home and that the loan company we need to get a copy of my credit report Ive been calling them for the last week every day and every time I talk to somebody I just get the run around ive sent in my drivers license a picture of me and a copy of my Social Security card I also let them know that I should be closing on my house by XX/XX/XXXX but without the loan company being able to get a copy of my credit report I might lose out on my house
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed errors on my credit report on XX/XX/21, which I have not receive no results in the investigation for more than 30 days ago.
Product: Debt collection

I received notification from my credit monitoring service that my score went down 50 points because this debt collection agency report inaccurate information for a debt I have already paid.
Product: Credit reporting or other personal consumer reports

I am formally requesting that all items on my credit reports be updated to reflect " paid as agreed. '' In addition, I am seeking compensation from each credit bureau in the form of a check XXXX. ) TRANSUNION - {$11000.00}, XXXX. ) XXXX {$11000.00} and XXXX. ) XXXX - {$11.00}, XXXX for each of these inaacurate accounts pursuant to ( 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. )
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Transunion has left XXXX former addresses, and XXXX job listings on my report.
Product: Debt collection

I received a debt collection notice in the mail from MRS which I guess is a debt collection company. The bill was sent XX/XX/2022 for {$3100.00} and it is not me. Ive never had XXXX and I was a victim of identity theft. I called MRS to discuss what my next steps should be and they updated the profile and told me to make a police report and send affidavit to the website of www.Verizon.com/fraud and to the email of XXXX.
Product: Credit reporting or other personal consumer reports

I never could get through on the phone which made me very suspicious and is why I'm filing complaint.
Product: Credit card

I received a letter to my home address asking for confidential information to be mailed to Celtic Bank ( serviced by Continental Finance Company ) so that my application could be completed. I never applied for or have heard of this card. I attempted to contact the bank and the credit card company and was not able to get through to anyone as I am not a customer. I am unable to use the reference number they provided to get through to customer service and the phone number provided on the Continental Finance Company website led to a help line who had not even heard of the XXXX XXXX or Continental Finance and Celtic Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX  XXXX - same fraud mortgages on my name.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding unauthorized inquiries on my consumer report. Upon reviewing my report, I discovered several inquiries that I did not authorize. Despite my efforts to resolve this matter directly with the company, I have not received a satisfactory response. 

As per my understanding, credit reporting agencies are required to provide accurate information. However, the presence of these unauthorized inquiries on my report suggests otherwise. 

I respectfully request that the Consumer Financial Protection Bureau conduct an investigation into this matter. If, upon completion of your investigation, there is no verifiable evidence that I initiated these inquiries, I request that you take the necessary steps to remove them from my consumer report. 

Thank you for your attention to this important matter. I appreciate your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

identity theft. 
inquiries accounts that are not mines.
Product: Mortgage

Spoke with Wells Fargo loss mitigation dept. I was informed by the relationship manager XXXX XXXX that since my wife XXXX XXXX wasn't on the deed of the property and we were using her income I could not be considered for a mortgage modification. XXXX also stated I was welcome to review the FHA guidelines on line.I was also told a request was submitted to postpone the property foreclosure sale by Wells Fargo Loss Mitigation Dept. Per XXXX with Wells Fargo the sale date was not postponed. I have sent my wife proof of income and I don't understand why they refuse to assist me with the mortgage I've been trying to get mortgage assistance from my servicer for over a year now, I have a FHA loan, I read a spouse income can be used for income to modify a mortgage. Wells Fargo hasn't changed the way they do business the staff is uncaring and not interested in assisting the customers. I do want to pay my mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to Equifax. On XX/XX/2020 I received a response from Equifax regarding the " dispute results ''. Equifax has indicated that they were unable to locate my credit file in their data base and in order to further assist me I will need to provide 2 documents from each category provided ( 1 ) driver license and ( 2 ) a Social security card which both were attached to the original dispute letter for the purpose of identity verification. Equifax has requested that the copies be " enlarge '' for legibility as their non-human E-Oscar machine does not have the clarity as rod and cone cells as in the retina to allow conscious light perception and vision, including color differentiation and the perception of depth. The human eye can distinguish about 10 million colors while Equifax 's unmanned dispute machine is of no comparison, the copies provided to Equifax with the original dispute were of standard size and made in color print for legibility, see attachments.