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

Hey To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely, unauthorized credit inquiries : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all the credit berue on XX/XX/XXXXcause i have so many hard inquires made without my authorization
Product: Credit card

I have a PayPal account and always have had a credit card in file, whether a XXXX or a XXXX XXXX. I also have noticed that they want to force me to use my bank account instead of a credit card. It is really difficult to find the " use my credit card '' option in the website. 
Once while purchasing online, I needed to revise my PayPal account. Suddenly, a window popped up asking me to accept a PayPal Credit card. The website did n't let me go further until I accepted the PayPal Credit Card. In addition, there was not link in small fonts saying " no thanks, take me to my account ''. After accepting the PayPal Credit I was finally able to pass that window and go to the next window to do whatever I was going to do with my account. 
It is my understanding that after that, essentially a PayPal Credit Card was issue to me. as described, I did n't have any other option but accepting the PayPal Credit Card in order to manage my account. I started receiving empty bank statements from the PayPal Credit Card office. I immediately called PayPal and cancel the PayPal Credit Card approximately on XXXX 2015. Everything was fine until recently, when I started receiving calls from PayPal demanding me to pay an item ( and interests ) that I supposedly bought online with the PayPal Credit Card. According to them these interests have been running for 6 months or more. 
I called them up and they said that I have to pay 6 month interests for an item that I bought with my PayPal account ( no with the PayPal Credit Card ). I asked the operator " how could this have happened? '' he said that the information was sent to me via email. I requested him to resend those particular emails, his answer was that by company policies he can not resend them. 
I buy many things online with the PayPal account. Now PayPal have prevented me from using the account. Also, when I go to my PayPal profile, there is not much information about this incident or anything. The information that one sees there is very simple and there is not many details about the transactions. 
I am willing to pay for the item that they allegedly say I bought with the PayPal Credit Card, but no for the interests. 

What can I do? 

Thanks XXXX XXXX
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. Additionally, 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 I seek appropriate redress for these violations.
Product: Debt collection

Hello Consumer Financial Protection Bureau. I am writing to you for this account My name is Ms XXXX XXXX. Radius Global Solutions. Have written to me several times this year alone. XXXX. Has not been a good year for these people. And they continue to try and collect bogus funds. This is sincerely wronged amounts. {$220.00}. Previous it was only {$150.00}. This is expected to go on my credit report XX/XX/XXXX. I want to prevent this from happening. I have no previous contact. Only one or two old telephone bills. But. Unfortunate. They are not the same amount. These are much higher than the last bill. This company is collecting over and aboved the amounts.. Please look into for me theses people are just wrong. Global Solution. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 

( Attached is my documents, DL, and paperless utility bill. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act SYNCBXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate costumer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Cashapp did not take the correct measure to protect against, and prevent FRAUD.Leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the company also approved of updating the status of the account to open never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Product: Student loan

In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Granite State Management about a loans that appeared on my credit report. I explained that I am a victim of identity theft and the loans was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loans from Granite State Management, so it should be  removed as soon as possible. My credit report says the amount is for {$9900.00} and the account was opened on XX/XX/XXXX XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Granite State Management will not do anything.
Product: Credit card or prepaid card

In XX/XX/2009, I was XXXX and graduated high school. My mom took me to get a credit card from Wells Fargo Bank on XX/XX/2009, I was approved for a {$400.00} credit limit, but no-one explained to me how to use it I was just told don't max it out. I was very young and had no idea what credit even was. My mother was taking me out to dinner to celebrate and we discovered we had a flat tire along the way, we used all the money we had including my credit card to buy a new tire. The only money we had left to eat was the remaining balance of less than {$200.00} on my credit card so I fed myself, my mother, and my XXXX  siblings. I can't get another unsecured card because of this and I feel like I'm being punished for my lack of knowledge on how to use a credit card at XXXX. I'm XXXX now and I know how to be responsible with credit cards and I have a secured card now with a {$200.00} limit with XXXX but I need more credit because I take care of my sick father and a {$200.00} limit isn't enough for me to take care of him, and my household.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OPEN XX/XX/2020 {$900.00} COMPANY : XXXX XXXX I CALLED NO RESPONSE
Product: Credit card

I have a credit card with Cominity BankXXXXXXXX XXXX # XXXX. The first time I used the card I made a purchase on XX/XX/XXXX for {$77.00}. When I tried to make a payment on or about XX/XX/XXXX, the website would not let me set up an online account. When I tried to make a phone payment, the calls kept on getting dropped/disconnected. On or about XX/XX/XXXX, I received a call from Comenity and I made the payment in full with the agent. I asked about the late fee and was told that they could see I had attempted to login and they would remove the late charge. Next statement I was charged a late fee of {$30.00}. In XXXX, I tried to call them but the only options they gave me on the phone was to make an automated payment. Now, with another late fee the balance was {$63.00}. Same thing for XXXX, XXXX and XXXX, with late fees of {$40.00}, {$44.00} and {$45.00}. 

On XX/XX/XXXX, I sent a letter to Cominity telling them of my difficulty trying to connect with an agent and asking for all these charges to be removed, as they had originally agreed. On XX/XX/XXXX, I received another statement with another {$46.00} added on to the balance, bringing the balance up to {$230.00}. 

I was finally able to reach a customer service agent on XX/XX/XXXX, after three disconnections/dropped calls in the process. They refused to remove the original {$30.00} fee that they had agreed to back in XXXX and would not remove any of the other late fees. They told me that if I didn't pay the full balance now an additional {$50.00} late fee would be assessed next week. I spoke with a supervisor, who offered that if I paid {$150.00}, they would remove the rest and close the account. I paid them {$150.00} to avoid further gouging.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. XXXX DEPT Of ED Account # XXXX, XXXX XXXX XXXX account # XXXX, and Celtic Bank/ Contfinco Account XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit reporting Act.
Product: Mortgage

I am elderly & XXXX & have been trying since XXXX to modify my home loan of which I have lived in my residence for over 22 years. I had several XXXX & contacted all creditors about having to be in the hospital for these & requested a loan modification with XXXX Mortgage at that time to get caught up on my home mortgage. I only owed for a few months then & sent in papers to XXXX & was in the middle of the loan modification when they sold the loan to Nationstar Mortgage.My first contact with Nationstar was that they filed to foreclose on my home- This loan was started in XXXX after Hurricanes- I had only 5 payments left- however, refinanced to pay for the damages to several of my rentals due to insurance companies not paying me as they went bankrupt. I immediately contacted Nationstar about the loan modification with XXXX & they stated to me that XXXX said to foreclose. I have been in constant contact with Nationstar & written so many letters & calls in an attempt to get this loan current & correctly handled.since then in XXXX, I believe.They have REPEATEDLY ignored me & stated I was NOT entitled to a loan modification & have been sabotaging me from day one. I have continued to insist on my right to have a loan modification & finanlly got then send me the papers. I have sent in all info needed for this SEVERAL TIMES & they state they have not gotten all info. I got 3 other loan modifications with another companies sent in all info needed. 
Then they would state I needed an undate, etc.- everything not to do this loan modification I dispute all inspection fees & legal costs that NEVER should have happened as I was modifying this loan with XXXX when they tried to foreclose. Now again in the middle of the modification- I only found out yesterday that a hearing was held on XXXX XXXX, XXXX for the final foreclosure. 
I WAS NEVER notified of this hearing & have been trying to work with them to get my rights applied. They have scheduled a sale date of XXXX XXXX & now I am having to file a motion with the court to stop this.I am not able to hire an attorney- My medical costs were almost a million dollars .Nationstar states that I am  behind since XX/XX/XXXX, & that is totally FALSE.- copy of enclosed paper that I just read the other day & received the end of XXXX They changed attorneys & the costs they state I owe keeps increasing every month. I have sent in my payments & they have kept them- returned on particular payment & I have kept sending it back- 8 times.They state I owe $ XXXX which is absurd & totally FALSE.I owe from XXXX XXXX at & XXXX & that is why I contacted XXXX & all creditors to assure them of my intent to pay all bills & let them know of my hospital & XXXX stays & to get caught up by the loan modification. This has been a nightmare for me. & stressed me so much.These companies have improperly handled this loan now are depriving me of my residence. I wish to file a complaint against them both & need your help asap. I can send in any papers you might need. I intend on doing whatever I can to save my home. I live in XXXX, Florida.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate account reporting. I filed ftc report because this account doesnt belong to me and nobody is helping me to get this removed. Equifax on XXXX XXXX has this account reporting twice with same account number. On XXXX on Equifax it is not showing this account. This is a violation reporting inaccurate information that is not correct.
Product: Mortgage

THE OVERALL ISSUE IS HOW SLS IS CALCULATING MY MORTGAEG PAYMENT EACH AND EVERY MONTH ( PRINCIPAL VS INTEREST BEING APPLIED ) THE SECOND IS THE FACT DURING THE HEIGHT OF COVID AND THE LENDER PUT MY MORTGAGE INTO A FREEZE STATUS, IT WAS STILL REPORTED LATE TO THE BUREAUS AS WELL AS IN NO WAY SHAPE OR FORM DID THE LENDER GIVE ME A CHOICE OF TERMS DURING MY MODIFICATION... .THEY AUTOMATICALLY PUT ME IN A 470 MONTH TERM WHICH IS ABSURD AND IN NO WAY DID I HAVE ANY SAY IN THE MATTER PLEASE HELP
Product: Debt collection

Request for 1099- C letter of discharged debt, as required by the Internal Revenue Service ( IRS ), for the alleged debt reportedly showed charged off as of XX/XX/XXXX. On my credit reports with XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

Also, this account reflects opened date of XX/XX/XXXX. Which is in violation of of federal law violating the statue of limitation. Of 7 years this account is past XXXX XXXX XXXX and should be deleted from my credit files with all threee credit reporting agencies. 

Per the FCRA 15 usc 1681. I rquest that this account be deleted.

As, well that I be sent copy of letter of discharged debt per pursuant to IRS regulations. I demand that this information of discharged debt. Be sent to me within 10 business days in response of this being sent by VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED. 

( See attached disputed request of 1099-C pertaining to discharged debt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report are unverified and unauthorized and the credit bureau continues to report this information
Product: Credit reporting or other personal consumer reports

This letter serves as my second formal complaint regarding multiple fraudulent accounts appearing on my credit report that are not mine. Despite my previous dispute filed over 30 days ago, these accounts have not been validated or removed as required by law. I am demanding immediate action to resolve these issues. The fraudulent accounts in question include DEPTEDXXXX ( Account # XXXX and # XXXX, appearing multiple times as duplicates ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX XXXXXXXX ( Account # XXXX ). Issues identified include discrepancies in open dates and reporting details across credit bureaus, erroneous late payment histories, and false collection or charge-off statuses. These violations include 15 U.S. Code 1692g ( a ) - failure to notify me in writing within five days of reporting the debt, 15 U.S. Code 1681e ( b ) - failure to ensure maximum accuracy, 15 U.S. Code 1692g ( b ) - failure to validate debts, 15 U.S. Code 1681c-2 - failure to block fraudulent accounts, and 15 U.S. Code 1681s-2 ( b ) - failure to investigate and correct inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) - failure to reinvestigate and correct inaccurate information within the 30-day period and 15 U.S. Code 1681i ( c ) - failure to include notice of the dispute in subsequent reports, I request the Consumer Financial Protection Bureau ( CFPB ) enforce compliance and exercise its authority to mandate the immediate removal and blocking of these accounts as stipulated by 15 U.S. Code 1681c-2. I request the immediate removal of these accounts from my credit report, written confirmation that they will not be re-reported, and compliance with federal laws cited. Failure to address this matter promptly has already caused me undue harm and damage to my creditworthiness, and I will escalate my complaint to the CFPB and pursue legal remedies if unresolved. Please treat this matter with urgency and provide a written response within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX