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

the scammers of paypal did block my payout just after I had received funds to my paypal fundraiser https : XXXX after half a year I still have no access to my funds but even worse they locked me out completely from my account. I can not login with my password or email. they prompt a message we keep you safe!!!!! hahahhaa they keep safe my money to them selves!!!!
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  Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

There's things on the credit report that's been on there too long and I have tried to solve the problem and the car leases on there is wrong information
Product: Debt collection

XXXX, XXXX, and TRANSUNION. 
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ".

..promptly DELETE all information which can not be verified. '' 1. XXXX XXXX XXXX violated my rights according to FCRA, listed above.

Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Checking or savings account

TD Bank withdrew 100.00 from my XXXX  XXXX XXXX debit card ending in XXXX on XX/XX/2021. I have emails to prove that the money was taken from my account and bank statement also reflects that XXXX was taken by TD Bank. I have been treated very poorly by TD Bank, while I have been trying to find out what TD Bank has done with my opening deposit of XXXX. The bank states that they have no idea that the bank withdrew my XXXX because there is no trace of the transaction. Then they told me later on XX/XX/2021 that the XXXX was sent back to my account and I should receive it in 24-48 hours. 
One representative even told me that the XXXX  would be placed on the TD Bank debit card that I received in the mail. It is now XX/XX/2021. I have disputed this what seems to be fraudulent activity by TD Bank with my bank. I was later contacted by the XXXX Branch after I submitted an online form to complain about my deposit that was stolen. She seemed nice, but she she later called to ask me if my deposit was XXXX and not XXXX. How could I get that amount confused. I am very upset. I feel like I am being given the runaround every time that I call the bank and even now that I have been contacted. On XX/XX/2021 she asked me to submit my XXXX  XXXX XXXX Statement to show that TD Bank took the 100.00 out of my account on XX/XX/2021. I was asked to drop it off at the door and I will be contacted later to see if my deposit can be found or refunded. I also stated that TD Bank can get that information directly from my bank, since I have disputed this. This is the worst banking experience that I have ever had in my life!! I am not going to drop off my personal information from my bank to this bank, especially after my money has been stolen and I was treated poorly at the branch. I feel as though I should have been asked to come into the branch with my documentation, so my money can be refunded. At this point, I am pretty sure Fraud is going on at TD Bank. I am sick and tired of all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX  XXXX  XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Debt collection

SEVERAL HOURS of disputes have been submitted through XXXX  XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
THIS COMPANY IS XXXX. Original Creditor. XXXX ACCOUNT was opened on XXXX. The Credit Card Limit was only {$300.00}. XXXX HAS SENT THE limit to LNLV FUNDING  for a COLLECTION OF {$630.00}! Outrageous! I'm disputing the information regarding this account as well as the need for an investigation to occur with this company who has purposely tried to destroy my credit with a collection on my report.
Product: Debt collection

My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EQUIFAX a dispute about unauthorized inquiries on my consumer report and they keep saying that they verified that these inquiries were factual but did not provide me with the proof that they are. I do not recognize these inquiries and nor did I authorize the said companies to pull my credit. I contacted the listed companies and they informed me that they were never contacted by EQUIFAX to verify anything and they advised me to file a dispute with EQUIFAX again to have these inquiries removed. I even submitted FTC with my dispute and EQUIFAX has yet to remove these unauthorized inquiries.
Product: Debt collection

In XXXX of 2024 I started receiving phone calls about a collections that I am unaware of. This collections has since been placed on my credit report. I have been a victim of Identity theft for many years due to a lost wallet at a truck stop and subsequent data breaches. I have no knowledge of this debt. I have challenged it will the credit bureaus and put a fraud alert on my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) GXXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX (XX/XX/XXXX ) 8 ) US Dept of EDU ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX )
Product: Vehicle loan or lease

Bridgecrest financial has now repossessed my vehicle illegally XXXX times. The first time they had a no late payment and took it leaving me without a vehicle for over a week and reported illegally to my credit about a repossession. The second time they would not allow me to make any payments after they returned my vehicle. They did not contact me. They did not allow me to speak with any representative as well as they blocked me out of my online account to be able to process a payment. They have denied my right to pay my payments by not accepting payments after they returned my vehicle the first time. They have caused me financial and emotional distress and have caused me to lose work due to them illegally taking my vehicle multiple times. They have also stolen multiple controlled substance pills from my vehicle both times it was repossessed as well as stolen money that was in my vehicle both times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report, which is negatively impacting my credit score. I request that you investigate and rectify the following issues immediately : XXXX Account Number : XXXX Violation : Inaccurate Reporting To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

I kindly request that you investigate these matters promptly and provide me with written confirmation of the actions taken to rectify these inaccuracies. As per the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and error-free credit report. 

Thank you for your attention to this matter. Please provide a written response within 30 days to keep me informed of the progress and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

wells fargo fraudulently took my money for a program called purchase shield that I did not want or sign up for. they sent me a letter stating this and gave me a refund for the amount they took from me over several years time. I requested further compensation due to being lied to and stollen from and they have not contacted me or even tried to acknowledge my concern or the fact that I'm a victim of this companies theft and fraudulent activities.
Product: Credit reporting or other personal consumer reports

TransUnion has been reporting an incorrect address since XX/XX/year>. The reported address, ( XXXX XXXX XXXX XXXX ), is outdated and inaccurate. This erroneous information is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that consumer reporting agencies like TransUnion ensure the accuracy of the information they maintain. Additionally, TransUnion 's reporting of an outdated address violates my rights under the FCRA to have accurate information in my credit file. I would like to emphasized that I do not reside at the address mentioned above. Therefore, its inclusion in my credit file is entirely inaccurate and misleading.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion, Re : Dispute of Unauthorized Inquiries on My Credit Report I am writing to dispute unauthorized inquiries on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these inquiries and remove them from my credit report, as they are unauthorized and inaccurate. 

I would appreciate it if you could expedite this matter and correct my credit report as soon as possible. Please send me a revised copy of my credit report once the disputed inquiries have been removed. 

Thank you for your prompt attention to this matter. 

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

Back in 2014 we filed foreclosure on our house with XXXX  XXXX XXXX. 
Sometime prior the forclosure was processed XXXX  XXXX XXXX sold our loan to Caliber loans but XXXX loans quickly gave it back to XXXX  XXXX XXXX and our foreclosure is with XXXX  XXXX XXXX. Caliper loans said on our credit reports that our foreclosure was with Caliber loans also. We only had one house and there was only one foreclosure and it was with XXXX  XXXX XXXX not Caliber loans. They need to remove this information off of our credit reports because it looks as if we had two foreclosures and we did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported : XX/XX/2019 was transferred to XXXX Reported : XX/XX/2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.
Product: Credit card or prepaid card

I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and myrights as a consumer. I am disputing the amount on my statement you send me every month. How can Ipay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me astatement every month and this statement is my dividend check from Capital One for the interest I haveearned, as a result of Capital One is trading my securities on the exchange. This has been done withoutmy knowledge and constitutes that Capital One trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX 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: Checking or savings account

On XX/XX/XXXX a fee of XXXX XXXXwas charged to my cash app card from the XXXX the transportation company in XXXX XXXX XXXX. I called cash app and informed them that although i used the XXXX machine to refill my metrocard, the machine charged my cash app card but did not give me the weekly metrocard requested. I also told cash app that i was having difficulty getting in touch with the XXXX but after contacting them they informed my to tell cash app to return my funds because their machine didnt work. After informing cash app this information i was told to file a dispute to get my money back. After a day or so Cash app then told me my dispute was denied because based on their information the merchant fullfilled their responsibility. This is totally untrue because both myself and the XXXX agreed that the machine was broken. Cash app also stated that they would provide me documentation on what led to their decision which they have not and i dont believe there is any because the machine was broke, charged my debit card and did not give me a weekly XXXX
Product: Vehicle loan or lease

Paid car loan off through Huntington national bank on XXXX. I called middle XXXX asking where my title was..They had mailed it to an address that I lived at 15 years ago. The loan was just a couple years old and my current address was used on the application. I was given a case number. XXXX. On XX/XX/XXXX I called and was told they had mailed me a release form on XX/XX/XXXX. Once again they mailed that to old address of 15 years ago. They also have said I have to pay for them sending my title to old address. This is not acceptable. My current address was used on loan application. They keep sending to incorrect address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this unauthorized inquires off my report I have contract these agency on several attempts and have been unsuccessful. I have contacted Equifax on this matter on XX/XX/23 investigation was completed same day. XX/XX/23 investigation was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

However, I need to have thiese removed. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. as per the Fair Credit Reporting Act section 611
Product: Debt collection

There a debt on my credit report about a car that was not suppose to be on there as a debt there is no contract to prove of the debt and also Santander bank got sued for bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit.

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, Equifax is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt?

XXXX XXXX- There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, Equifax and XXXX are showing different days late.