23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

As per the provisions outlined in the State of GEORGIA Uniform Commercial Code ( UCC ), Section Title 11 of the Official Code of Georgia Annotated ( O.C.G.A. )., and the relevant Retail Installment Sales Act ( RISA ) and Motor Vehicle Installment Sales Act ( MVISA ) statutes, I wish to bring attention to the car repossession incident carried out by Capital One Auto Finance in the State of GA on or around XX/XX/year>, followed by its subsequent resale on or around XX/XX/year>. 

In compliance with consumer protection laws, a creditor may not claim a deficiency unless they have adhered to all necessary requirements, including the proper and timely issuance of mandated notices, and strict adherence to allowable redemption and cure time limits. 
Therefore, I kindly request that you provide me with copies of the legally mandated notices, along with substantiating evidence that demonstrates the commercially reasonable manner in which the subject vehicle was resold. 
It is essential to emphasize that failing to furnish the requested documentation within 14 days of receiving this letter will result in the nullification of any alleged deficiency claim. Moreover, I must bring to your attention that continued collection activities or ongoing reporting of this invalidated claim on my credit reports will constitute a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Please be aware that, under the applicable State and Federal statutes, including UCC Section 9 remedies, I retain the right to seek damages against all parties involved, should there be any non-compliance with the aforementioned requests. 
I sincerely hope for your swift attention to this matter and anticipate your timely response.
Product: Checking or savings account

My father XXXX XXXX XXXX received social security in the approximate amount of {$1300.00} a month on the XXXX of each month. In XXXX he received his check on the XXXX, withdrew about {$700.00} and his car insurance was about {$100.00}. That would have left about {$500.00} remaining. He passed away on XX/XX/2022. His bank Direct Express will not give me an accounting for the month of XXXX. I want to know where the {$500.00} went. I am his only daughter and am listed on the death certificate as next of kin. He is widowed and has no one else. I believe the bank should tell me what happened to that money even if my dad withdrew it. 

Here is a copy of their response. 
Remaining balance is less than {$11.00}. Checks for low balances are not issued. 



Thank you for your understanding. 





Sincerely, Direct Express XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX I would like a statement for the month of XX/XX/2022 Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with BMG MONEY was never late! I have had exceptional payment history witH BMG MONEY and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BMG MONEY Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to XXXX, TRANSUNION, XXXX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Product: Checking or savings account

XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad. 

There fore my money was taken and not deposited by the bank or teller. I read here where you help in the basis and recovery of that of money stolen by banks or its counter parts
Product: Bank account or service

Dear Sir/Madam, I am writing to report very illicit actions by Scottrade Bank and their affiliates. Specifically, for a period of at least two years, Scottrade Bank lied to the OCC about their net capital to pass on the illusion that their bank was less than XXXX XXXX in assets. Scottrade Bank and the OCC conspired in a manner that Scottrade Bank was left from out of the regulatory purview of the CFPB and the OCC refused to investigate. 

In fact, during 2013, the OCC and CFPB forwarded complaints back and forth at at least 6 times, with neither agency taking jurisdictional authority over the issues. 

Finally, after months of contacting Senators and the CFPB, Scottrade was finally taken under the jurisdiction of the CFPB. 

However, now Scottrade Bank is refusing to reply to all or any of my complaints, even when the items and disputes are substantially different than previous complaints.
Product: Student loan

Prior to MOHELA 's platform shift over the summer. I was on the XXXX XXXX XXXX plan due to me working in education and barely above the poverty line. It was granted and found that my total due monthly was {$0.00}. During their platform shift over the summer, they ceased communications no longer sending me monthly statements. I finally began to get a hold of them in XXXX when they sent me a notice saying that my account was past due and any further delay could put my account into collections. I reached out stating that I had been on the XXXX prior to the injunction and per their own wording, I would not be affected as I had already been approved. They continue to only reply with the blanket response about the injunction and that I can no longer apply because of it. I have reiterated numerous times by phone ( when they do answer, I'm usually " disconnected '' with no call back ) and messaging. In XXXX, the continued to berate me threatening to put me into collections till I relented and XXXX month while they fixed the issue. They confirmed on the phone that the issue had been fixed and that I should only be receiving my same statements as prior to the shift. XXXX months later, I now receive another e-mail saying that my account is now XXXX months late and they are reporting it to the credit bureau without ever reaching out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Checking or savings account

About 4 weeks ago, checks were taken from my moms house, and cashed for large amount of money. My mom is not in the best health, and I am on her account to help her manage her money. During the time this happened I was out of town and she tried to handled the situation on her own, however she is not aware of many things in her house and Chase now keeps declining her claim. Her money is lost and Chase is not taking responsibility of not securing her money and allowing fraudulent checked being cashed. The checks clearly looks fraudulent, there was major red flags, signatures did not match, checks were out of order, hand writing did not match, they were for large amounts that is also unusual. 
Chase allowed my mom 's money to go out authorized by me and now refusing to take responsibility for their mistake.
Product: Debt collection

My debt with Central Financial Control was settled in full on XX/XX/XXXX. I received an alert on my credit report for unpaid account on XX/XX/XXXX witch had an impact on my score ( drop XXXX points. ). I did a dispute with XXXX, is there anything else that I can do, central Financial Control this is telling me that they did a mistake ...
Product: Debt collection

I completed a fraud package with XXXX and sent it to them. XXXX sent me a letter stating that they would remove the account from my credit report. At one point it was removed. Credit Solutions has placed it back on my report with a fraudulent date of XXXX XXXX, 2013. The previous debt is over 8 or 9 years old.
Credit Solutions is using fraudulent means to collect a debt. Credit Solutions Cor Opened XXXX XXXX, 2013 - {$260.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. Balance {$260.00} Highest Balance {$260.00} Opened XXXX XXXX, 2013 ( 4 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information CREDIT SOLUTIONS CORP
Product: Student loan

In XX/XX/XXXX through XX/XX/XXXX, I was contacted my Navient student loans demanding that I pay $ 500- {$600.00} a month student loans. I explained to them that Im pursuing more advanced edication. In addition, I do not have $ 500- {$600.00} to pay on student loans a month. I asked if there were other options for paying at a lower the monthly rate, but I was told no. I asked about consolidation and was told they didnt service that type of service. I told them I couldnt pay that amount, but I would try to pay something. I was told to pay the monthly amount or no other payments would be accepted and that this would go on my credit report. I was upset and still am to this day.
Product: Student loan

Navient private student loan department has been harassing my employer and myself for the past 3 days. They started calling my job on XX/XX/XXXX. They continued to call on the XX/XX/XXXX and XX/XX/XXXX. I have now been put in a position to lose my job because of the interruptions and harassment they are causing.
Product: Mortgage

I XXXX XXXX had home mortgage loan with Wells Fargo in XXXX. Im not sure about dates they denied us every time. Do i qualify for compensation from XXXX XXXX settlement. Please let me know XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a  consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1XXXXXXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount of {$480.00} 2. XXXX XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} XXXX. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} XXXXXXXX XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount {$1000.00} XXXX. XXXX XXXXXXXX account number XXXX open XXXX amount {$420.00} XXXX. XXXX XXXX XXXX XXXXXXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} XXXX. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} XXXX. 
XXXX XXXX XXXX XXXX bank XXXX account number XXXX open XX/XX/XXXX amount XXXXThese Items need to be removed I am a victim of identity theft.
Product: Credit reporting

In addition to my pending case with CFPB ( CASE NUMBER : XXXX ), Equifax deleted my ENTIRE credit profile on XXXX XXXX, 2016 after I submitted a dispute regarding inaccurate information listed in my credit profile. Equifax subsequently removed all the information from my Equifax dispute profile to cover their tracks but, I have proof the credit file was deleted along with inquiries and inaccurate information was re-inserted without notification. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my credit report and since Equifax failed to notify me they broke the law. 
Equifax violated my rights under the FCRA SECTION 611 laws. 
I have proof of the removal on XXXX XXXX, 2016 and the reinsertion from Credit Karma as well as an updated credit file Equifax provided after my initial dispute in CASE NUMBER : XXXX instead of Equifax correcting my credit file they deleted the entire profile then in-served inaccurate information that has been detrimental to my credit and has caused me to be denied credit. 
I have attached the credit file from Equifax the shows the deletion and reinsertion of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX I sent via certified mail a letter to all XXXX bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXXXXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX XXXXXXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction.

15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation is a result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized or suspicious activities. 

I have been an active and responsible user of PayPal for a significant period of time. Throughout this duration, I have meticulously adhered to all of PayPal 's terms of use and policies. The news of my account being permanently limited has come as a shock to me, as I genuinely can not identify any instance where I have deviated from the established guidelines. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into this matter. I am confident that upon review, you will find no substantiated reason to justify the permanent limitation on my account. I am earnestly appealing for the restoration of my account privileges, so I can resume using PayPal for my online transactions and financial activities without hindrance. 

In view of the above, I urge PayPal to reconsider its decision and provide me with an opportunity to rectify any misunderstandings that may have led to this unfortunate situation. I value the convenience and security that PayPal offers and would greatly appreciate the chance to continue benefiting from its services. 

Thank you for taking the time to read my appeal. I sincerely hope that PayPal will re-evaluate my case with a fair and unbiased perspective, leading to the reinstatement of my account. I look forward to a positive resolution and the chance to resume using PayPal. 

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

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A Negative mark was reported on my behalf that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX 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.