23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XXXX XXXX I received a link from credit karma. It stated my XXXX XXXX disput had been completed and verified by XXXX XXXX XXXX I called XXXX XXXX and made them aware of XXXX XXXX had placed incorrect data. The had been made aware I could not afford the new rent prices. was going to move out before my lease was up. Move in XXXX XXXX XXXX XXXX XXXX. Made XXXX manager XXXX was aware and worked with me to prevent any negative actions. 
After speaking with repersentative she assurred me all the information requested allowed any derogatory information from my account. By it being placed wrongfully and having had a negative impact. It would be removed. I had to allow for her to take a dollar from my XXXX account. I told her I had copy of XXXX XXXX XXXX death and social security letter showing loss of XXXX XXXX  benefits. 
The next thing I recall was her saying the fee of XXXX would be deducted from my account and she was canccelling the monthly fee of XXXX. 
I
Product: Checking or savings account

I went online and requested that Chase close my savings account. This was done on XX/XX/year>. The next morning I checked and realized Chase closed the wrong account. They closed my checking instead of savings account. I called them to complian and they it was to late to stop the closure, and I would receive the {$1200.00} that was in the checking account in the mail in 7-10 business days. The money did not arrive so I contacted them again. This time the told me that I could go to a local bank and they could give me my money. I went to a local bank and the banker said it was to late and I could not get my money from them. Then I recieved a call from a Chase representative who said it looks like my money was taken by someone other than Chase and I would need to file a complaint. He transferred me another department and that Chase representative said that the prevoius rep gave me the wrong information, and my money was with the Chase National Closing Team. She said she didn't have the contact number but maybe a manager at a local branch could reach out to the National Closing Team to see when and how I would recieve my money. Today is XX/XX/year> and I have still not recieved the {$1200.00} cents that Chase owes me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Chargeoff XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} - Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} - Collection XXXX  XXXX-************** Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Collection XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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.
Product: Mortgage

XXXXXXXX XXXX sold my loan to Freedom Mortgage. On XX/XX/XXXX I sent an electronic check via XXXX XXXX XXXXXXXX XXXX pay to XXXX XXXX as I had not received a welcome letter. On the XXXX of XXXX via XXXX I received a welcome letter from Freedom Mortgage dated XX/XX/XXXX, but not received till the XXXX. I checked my bank and XXXX XXXXXXXX had taken my payment. I spoke with several agents via text as they are not available by phone unless you have a valid account with them. Finally I got an agent through text XXXX who gave me a tracking number and check that they cut and sent to Freedom Mortgage overnight via FedEx. I contacted Freedom Mortgage 4 times. Twice I was hung up on. I have provided the text screen shot AND emailed them the tracking number from XXXX. They simply stated I must provide them with a copy front and back of the check. Since I didnt cut the check and XXXX did I have no access to do this. XXXX will not provide this too me. This is unacceptable behavior from both companies.
Product: Money transfer, virtual currency, or money service

This is about website and app " MoneyLion '' https : //www.moneylion.com. The app claims to be a financial app that allows you to create an " investment account '' to save/invest starting with small sums of money, however, once the account reaches {$150.00}, there is no way to retrieve the deposit of {$150.00}. There are many other questionable " membership '' practices involving applying for a receiving a loan that seem non-standard practice at best, requiring XXXX XXXX monthly membership fee to access *repaying* the loan. There are no clear indications anywhere on the website nor app that show {$150.00} of your deposited funds will be restricted from withdrawal. When MoneyLion was repeatedly contacted by phone, there are no humans answering, through a vague and redirecting automated menu. Contacted by email has led to no response, and online " chat help '' redirected to the XXXX number ( XXXX-XXXX-XXXX ). Also, I am unable to access anywhere my actual account number on the " Investment Account. '' I can only provide the associated " Checking Account '' number.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX, as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate information on consumer credit report by Experian. 


XXXX. When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) 12. Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

Consumer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian initially removed the disputed account, which had identified been identified as fraudulent, from Consumer credit report. 
FTC Report XXXX However, on XX/XX/XXXX, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. 

CC : Enclosed Documents Consumer Demand For Arbitration Form Privacy Act Of 1974 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Report XXXX Experian Report With Tradeline Deleted & Experian Report With Tradeline Reinserted
Product: Mortgage

XXXX XXXX owned my mortgage load from XX/XX/XXXX to XX/XX/XXXX. They then sold my mortgage to Homepoint Mortgage. My loan number is XXXX. I got a notification from my credit monitoring company, XXXX XXXX, that Homepoint Mortgage has put a delinquency notification on my credit. I paid a mortgage payment on-line over and above my mortgage amount on XX/XX/XXXX. I've never received any paperwork showing any information on my mortgage from Homepoint, i.e. payment due, mortgage amount due, etc.
Product: Checking or savings account

My name is XXXX XXXX and I am a PayPal user. 

PayPal limited my account since XXXX and they said they will force me to wait for 180 days before they could allow me to have access to my money. 

I accepted it and waited for 180 days. PayPal sent me an email on XXXX XXXX, 2020 that my funds are eligible for withdrawal and they said I could transfer it to my bank. 

When I signed up for a PayPal account, I didn't link a bank account or my debit card to my PayPal account. 

Currently I have {$10000.00} available for withdrawal in my PayPal account but PayPal does not allow me to add a bank account or card to withdraw my funds. 

They said said that after the 180 days I should be able to withdraw, but the 180 days is over and PayPal sent me an email asking me to withdraw my funds but then they don't allow me to link my card or bank to withdraw my funds to. 

I need this to be resolved and for PayPal to allow me to link a bank and a card to my PayPal account and withdraw my funds
Product: Student loan

Navient has repeated charged me late fees, which they have admitted were a " mistake. '' After being confronted by this fact, they protested for nearly an hour before admitting fault, were unable to provide evidence that they would prevent it from happening again. Additionally, they only refunded my latest late fee, not the rest of the " mistaken '' late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I noticed the presence of an adverse account on my credit report that I viewed from my banking application. According to the account, I owed {$160.00} to Sequium Asset Solutions, a company I had never heard of before. I knew that I did not owe any money to any agency, so I went to dispute the account. My banking application directed me to XXXX  to perform the dispute, but the account was strangely not listed at all on XXXX. I then noticed that the account originated on XXXX and began a dispute on their website. The charge was verified as incorrect and removed from my credit report within a few days time. I had thought that was the end of it until it remained on my credit report on my banking application, though the account was STILL not appearing on XXXX, so I had no way to remove it. 

Finally, on XX/XX/XXXX of XXXX I was able to see this account on my XXXX  report so I could dispute the account. I did so and I received the results of this dispute on the XXXX of XXXX, XXXX only to find that somehow they claimed that the account was correct. 

I am absolutely certain that I owe no money to this company. The only debt that I currently have is my student loans, which I am in the process of paying back, and whatever bill I have for my credit card this month, which I pay in full and on time each month and have never missed a payment. I have never owed any other money to any company and I do not know how this company even received my information. I have seen online that many other people have had this exact same issue with Sequium Asset Solutions claiming they owe money out of the blue, so I know that this is not an isolated incident to just myself. XXXX  has said that the company is somehow linked to cable/charter communications and I do not pay or subscribe to any sort of cable service. 

I would like this account removed from my credit report so I can put this issue behind and not have to worry about the long term consequences of having an adverse account on my credit history, especially when I do not even owe this money. As of right now, XXXX is the ONLY credit reporting agency of the three largest ( The other two being XXXX  and XXXX ) that still insist I owe this fee. That should be indication enough prove that this is a false claim.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations
Product: Debt collection

I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXXXXXX XXXX file # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Referencing my anticipation of a possible tax refund. Conn Appliances may request a 1099C form with the Internal Revenue Services to cancel debt of XXXX XXXX. 
Attorney XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX and Conns XXXX XXXX, placed a lien on my XXXX  and My XXXX XXXX XXXX  checking and Saving and received {$2700.00} from both accounts., I did file a complaint with CFPB XXXX. I received a release from XXXX XXXX and Conns. And today I received a letter from XXXX XXXX demanding an additional amount of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made 2 reports that my account is being reported as bankruptcy discharge. This account was not discharged and is being negatively reported on my XXXX credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( Cfpa ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 different accounts that has been disputed.The other 2 Bureaus were not able to verify the accounts therefore they were removed. But somehow TransUnion is still showing this account and Im wondering how if all 3 Bureaus pretty much use the same system. I never even received any documentation as to the accounts being verified. The accounts in question are attached.
Product: Consumer Loan

I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Product: Credit reporting or other personal consumer reports

The information in these accounts is imprecise and, consequently, I insist on their prompt deletion. Furthermore, in accordance with Sections 15 USC 1681n and 15 USC XXXX I request {$1000.00} compensation per inquiry violation, for the damages they have caused me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX club vacation debt was cancelled and need to be removed from all 3 reporting credit agencies immediately
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am a victim of identity theft. My information was obtained without my knowledge and was used for monetary gain. The following accounts are not mine.

CMRE FINANCIAL {$3500.00} account number- XXXX XXXX XXXX XXXX XXXX {$19000.00} account number-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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