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

To whom this may concern, my name is XXXX XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTION OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSET IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor ECMC has had a collection/charge off account on my credit profile which I have disputed several times because the student loans were consolidated and they were never late. The creditor keeps removing the accounts from my credit profile then places them back on my credit profile as a new collection account. This is impacting my credit score greatly as the accounts are in negative standing on there and being reflecting twice on the separate accounts and on the consolidated account. 

I have disputed them several times and each time the accounts were removed then placed back on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX
Product: Checking or savings account

Yesterday I tried to close my checking account and the bank said they couldnt cause they were holding my paycheck hostage, they also wouldnt close my savings account, but they had already robbed me. The bank took two separate deposits that were unauthorized and unknown without my permission to pay a credit card in which I was ordered not to buy a lawyer. Im undergoing debt consolidation. XXXX XXXX  has been my bank for near 10 years.
Product: Money transfer, virtual currency, or money service

( 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 proce 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 52 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.
Product: Money transfer, virtual currency, or money service

XX/XX/20- XXXX XXXX  {$3000.00} I had direct deposits on Monday XX/XX/XXXX of about {$4000.00} for my unemployment in MN, {$400.00} and tried to withdraw more money and received a messwger " you reached {$1000.00} daily limit '', the next day Tuesday XXXX XXXX i made a purchase for {$350.00} but was still unable to withdraw funds. On Wed XX/XX/XXXX i still could n't take money out atm so I XXXX Cash Ap   support and found website ** https : //cashappcustomerservice.com/ ** And on the website was a # XXXX and when I called they told me they needed to verify my Cash Ap account to lift withdraw limits. I was then told to open support on Cash Ap then download an ap called " Quick Support '' from XXXX XXXX then " add on-XXXX '' both aps logos containing a white circle with blue horizontal arrows. After i downloaded the aps they told me to turn off security lock from settings ( part of verification process ) they then had remote access over my Cash Ap, i watched on my phone as they toggled settings. They linked a XXXX  XXXX XXXX account then assured it was Cash Aps bank and part of verification process. He told me I'd be getting a new cash ap card and daily limits would be removed. They told me to hold on then i eventually called that number back XXXX and it was a Text Now #. I tried to log back into my Cash Ap with phone number and was having to type name as if a new account. I used my email and logged in, my phone number XXXX | XXXX | XXXX were all deleted from my account and there was an odd mixture of # 's and letters for email which i didnt have time to write because i was hurrying to reconnect my information before i lost account. I went to email and saw that all {$3000.00} had been deposited into a XXXX   XXXX XXXX account and that a card ending with XXXX had been disconnected ( the thief 's card most likely ) i contacted Cash App immediately via support and XXXX, ( case # : XXXX ) I went to the XXXX police station on XXXX XXXX XXXX and I called The FBI - XXXX office. My money was stolen, ( {$3000.00} ) please have it returned to $ XXXX, i have my email and phone reconnected and enabled security lock on my account again so I'm not worried about another theft. Please resolve this issue as soon as possible, this was all the money I have. Thank you - XXXX " XXXX XXXX '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I have rights under usc 1681. 

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have been trying to dispute this account with ACIMA DIGITAL FKA SIMPLE since I do not recall applying for credit with their company. I have not received anything from them. 

Their contact information is down below Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Debt collection

I keep receiving phone calls for a company called Portfolio Recovery. They have called numerous times, and they always use a different phone number. They never leave a message, and I do not answer these calls since I do not recognize the numbers. These are some of their numbers : XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX CDT on XX/XX/18
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes with no resolve. Different info is being furnished to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

I then sent a letter for verification purposes on XX/XX/XXXX asking the credit bureaus to verify what source they used to verify that the bankruptcies that are showing on my personal credit reports are accurate. I had XXXX to place my inquiry in disputes after the letter clearly states I'm not disputing at this time and they responded back stating that the information was accurate and will not be removed, without stating the source they got the information from. Transunion and XXXX never responded back to my letter from XXXX, XXXX, XXXX. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Mortgage

On XX/XX/2021, We had a house fire in our primary residence. Money has been released from the Insurance company and we were forced to send the entire balance to Chase Mortgage. The money is not actually their money as the insurance company provided it to us to re build the house. We are are in process but Chase keeps withholding funds. We have provided bills for completed projects, contractors have called for payment of completed projects but Chase continues to hold and not release money. The insurance company is still holding {$80000.00} in reserve. Chase has {$100000.00} Held but will only release when they say we have completed the project of rebuilding. I can not rebuild the house if I do not have money to pay for the reconstruction so when they give us some planned inspection which they send some kid out to take photos and estimate completion percentage and then deny us money so I can not pay contractors I can not get any work done. So we end up in a never ending cycle of a hold pattern. I have not missed a single payment on the house, Construction is in process and Chase continues to withhold money. I need the money released.
Product: Student loan

In XXXX  I attended XXXX  XXXX. During that time the school closed. I submitted a school closure form and never received a more information about it. I contacted the federal aid depart and a representative there informed me to contact Mohela. I called Mohela and was placed on hold. After waiting about 10-20minutes a representative asked if I would like to receive a call back. I answered yes. I never received a call back.
Product: Credit card or prepaid card

this card showed up in the mail spontaneously I don't want these products showing up in the mail unless I request it.
Product: Credit reporting or other personal consumer reports

Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report. The balance for this account is {$25000.00}. I listed the balance to further identify the account in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to XXXX, XXXX, and Transunion several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Company sold - Account type Debt Buyer Date opened XX/XX/2022 Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Balance {$480.00} Balance updated XX/XX/2022 Original balance - Paid off - Monthly payment - Past due amount {$480.00} Terms 1 Month Responsibility Individual Your statement
Product: Prepaid card

I was waiting on a new direct express card to come via ups and I never received card the carrier just left card on my door step and someone stole it and used all my ssi money I got for the month of XXXX I don't know who it could be I have a lot of family and friends that come over and some know my personal information I'm very upset that no one had to sign for this being I'm already a victim of fraud with this company this is my minor XXXX son 's income I'm a advocate for him because of this my rent is late I risk getting eviction notice I learned card was already used when I called in on XX/XX/2023 and spoke with agent informing me card was activated and used at ATM for the entire amount of XXXX so I filed complaint and submitted fraud packet via email on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting. these remarks have been detrimental to my life and credit health.
Product: Debt collection

On XX/XX/2022, i send a certified mail to Portfolio Recovery Associates LLC regarding some collection account on my credit report, XXXX XXXXXXXX # XXXX, XXXX XXXX  XXXX and XXXX # XXXX, that I'm not liable for this debt and i want them to provide me with the original application, Explain what this account is, who you are collecting a debt for, Provide me the address of the original creditor you use to obtain validation for this debt, Show me you calculated the alleged debt balance, Provide me the original paperwork that show I agree to pay this amount and Provide me the billing statement identifying the last date of delinquency, which identifies the status of limitation for this alleged debt. Portfolio Recovery Associates LLC failed to provide me all the documentation I had ask for, also I believed that they are reporting false information on my credit which had have a negative impact on my credit report. They violating my right 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 states that a consumer reporting agency can not furnish a account without my written instruction I have attach the letter I mail to them also, the letter I had received back from them.
Product: Student loan

I am constantly contacting AES Loan Servicing in regards to the fact that I can not fill out the forms I need to fill out to get my IBR plan on track or send in my recertification. Everytime I try to log into my account on the student aid.gov they can not confirm my social security number. It states on the web page it takes 1 to 3 days to confirm, This has been over a year. I am limited to access on my account due to this. The interest on my loans have doubled my loan amount. I dont even know how I got bamboozled into consolidating my loans with this company purely a rip off! How can they continue to report me to credit bureaus when they cant even verify who I am!

Your information is still being verified by the Social Security Administration. This process usually takes one to three days. If you provided an email address when you created your account, we'll you an email confirmation once your information is verified. XX XXXXX 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX   XXXX XXXX XXXX XXXX, 01 XXXX, 09 XXXX XXXX, 10 XXXX XXXX, 10 XXXX XXXX XXXX XXXX, 11 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an adjustment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect. I kindly request your investigation and removal of the following items : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America closed my EDD account without notice. Many other Californians have had this issue over the weekend. Calls to customer service went nowhere, with CSRs incorrectly stating that this was an EDD issue. I have had an automatic withdrawal to my checking account set up since I first received UI, and have had no issues until my account was closed.
Product: Checking or savings account

I opened a bank account with Wells Fargo online. They had a promotion at the time offering {$400.00} for opening a new account with them. I had to start the account online with {$25.00} and make direct deposits that cumalatively equaled {$3000.00} a month for 3 consecutive months. One time while on a chat with customer service I inquired about my meeting the criteria and when I would see the bonus. I was told I had met the criteria and I would receive it in 45 days. When I woke up the following morning the record of that chat was erased. I was suspicious and called customer service. I was placed on hold for an extremely long time, transferred again and again and the finally given to a supervisor. The supervisor listened for a second then began to berate me and speak so rudely and condescendingly to me. He said in no way was the word cumulative used in any sort of official offer. I told him it was used and I had the paper to prove it. He then promptly hung up on me. I called back and got a new supervisor on the line who reviewed my previous call, helped me file a formal complaint and then told me I had met the criteria and would receive my bonus in 45 days. I then received a letter in the mail saying I didn't meet the criteria because I didn't have enough direct deposits that qualified even though I had almost 10,000 in 3 months. I have been hung up on numerous times, laughed at and spoken so rudely to it really bothered me. I hope you can help me. Thank you
Product: Credit card or prepaid card

Macys APP failed to process a scheduled payment. I need proof of the results of the investigation that they claim they did. I need names and dates. I have never been 30 days late and I am not sure why macys is playing games with this. I already spoke with their IT department and was told that the app does fail sometimes. I also was not contacted to inform me that the payment had not processed. So there are many issues here, but I need the proof and results of the investigation with names dates and times, so I can prepare to move forward to the next level. 

Macys reported a late pay without notification in the middle of a national pandemic. My husband is a XXXX XXXX  and I had XXXX, so while we are XXXX  XXXX, macys is reporting inaccurate late pays in an effort to ruin a persons credit. 

I am fighting this to the end because the payment was scheduled to process and macys failed on may levels. PLEASE PROVIDE PROOF OF INVESTIGATION! 

MACY s is in violation of my rights! what they are doing is terrible!