23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I received a letter from XXXX ( XXXX XXXX XXXX ) stating that they are contacting me about an account with PayPal that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting PayPal as well as this company, to no avail. I do not have a PayPal account and I do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$320.00}. Please delete ASAP.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach and I checked to see if my information was part of that breach. And the claim form I submitted shows that my information was affected. 

Also, part XXXX of the problem is, XXXX  also had a data breach back in XXXX of this year. And my personal information was also affected in this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) are reporting a account that does not belong to me! 

I called XXXX XXXX and spoke with representative " XXXX '' on XX/XX/23 " XXXX '' could not find where I owed for this account. XXXX 's direct phone number is XXXX. 

XXXX XXXX are violating my rights under the credit laws. please delete immediately.
Product: Credit card or prepaid card

Between XXXX XXXX XXXX and XXXX XXXX XXXX, the limit on your SYNCB/PAYPAL CREDIT CARD credit card decreased by {$1500.00} from {$2000.00} to {$440.00}. 


wasnt able to attach to previous complaint again a credit limit of XXXX in XXXX TO XXXX IN XXXX XXXX  MONTHS LATER WITH THAT DECREASE IT DROPPED MY XXXX XXXX BY XXXX POINTS AND SAID I WAS OVER MY LIMIT
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX AMBULANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX  XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute. 

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law. 

Furthermore, it's important to note that my personal information may have been affected by the XXXX data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately. 

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.
Product: Debt collection

I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Called All Credit Bureaus Multiple Times And Sent In Letters Monthly Since XX/XX/2019 In Regards To Hard Inquiries Reporting. These Hard Inquiries Have Caused Me To Be At A Standstill With My Home-buying Process. I Have Also Reported That My XXXX Account Has Been Verified Over The Phone By XXXX As Accidentally Reported 30 Days Late. XXXX Removed Late Fee, But It Is Still Showing Up Late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Date opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX  XXXX Date XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called XXXX XXXX XXXX regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXXXXXX XXXX XXXX I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this.
Product: Credit card or prepaid card

Called and asked if we accept credit cards ( our business ). And asked if we accept American Express. The. Hung up. Called back and voicemail claiming to be American Express. 

Phone number that called me is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered a credit inquiry ( Axcess Financial Dated XX/XX/2018 ) 0n my credit report.I do not recognize this inquiry on my report.I would like any documents with my signature giving permission to run this inquiry.
Product: Credit card or prepaid card

On the day of XX/XX/2021 I noticed that my EDD PREPAID DEBIT CARD was stolen XXXX $ dollars. It said that I had withdrew it from the atm but I had not even visited Bank of America this is to much coincidence since I had just gotten deposited money into that account from the EDD I had not really used the card for the same reason of hearing so many stores of people stealing the information on those cards. My issue is this is ridiculous how can a debit card that is supposed to be safe, they stole XXXX $ dollars in a heart beat and no one is doing anything this is money I need to pay my rent and all they are saying is oh its gon na take 90 days are they gon na pay my late fees for rent I think not Bank of America has done this with me multiple times but unfortunately this is the bank the EDD is in contract with. I just need this issue fixed I am a new mother and was counting on this money to pay rent, buy diapers etc.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Most recent credit report, and I noticed some late payments and inaccurate accounts posted on my credit report. This is incorrect and not reporting 100 % accurately. Creditor : XXXX ACCOUNT NUMBER XXXX This is paid as agreed and should not be reporting negatively on my report. 
Inaccuracy : Late payments reporting 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. Creditor : XXXX ACCOUNT NUMBER XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm reaching out today because upon reviewing my most recent credit report, I'm deeply troubled by the inaccuracies present. It's concerning that these items are being reported incorrectly, and I'm seeking your assistance in resolving these issues. 

As per the Fair Credit Reporting Act ( FCRA ), it's mandated that credit bureaus report information that is entirely accurate, verifiable, and timely. I understand that you have a 30-day window to conduct investigations as required by law. Failure to adhere to these federal regulations could result in an investigation by the Federal Trade Commission. 

I insist on a comprehensive investigation into each error listed, with a detailed report provided to me upon its completion. 

Regarding the inquiries listed below, please address them as well : XXXX Inquiry Date XX/XX/year> and XXXX XXXX  XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION VIOLATION OF 15USC-1681c-2 BLOCK AND DELETE WITHIN FOUR DAYS-TRANSUNION RECEIVED THE FTC REPORT AND COMPLAINT AS REPORTED TO CFPB MORE THAN 4 BUSINESS DAYS AGO, HOWEVER, TRANSUNION HAS FAILED TO FOLLOW THE FCT GUIDELINES AND LEGAL REQUIREMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my account. I noticed an account that was not reporting accurately.it shows that I have XXXX late payment, that Im certainly know I made the payment on time.the consumer reporting agencies need to report all information with complete accuracy. I have a strong on payment history and will not risk it. Ive attached a copy to this complaint on XX/XX/year>. I am now requesting further investigation and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, please update payment to pay on time immediately.thank you for your understanding and prompt action.
Product: Mortgage

talked with XXXX XXXX, supervisor of insurance dept at XXXX XXXX on XX/XX/XXXX, XXXX told her that i emailed a demo permit from the city of XXXX , per her request to cancel their insurance requirement on the property. they confirmed on XX/XX/XXXX receiving the email that i emailed first on XXXX and again on XXXX neither time did they acknowledge receiving the email until i spent two hours with them on the phone on XX/XX/XXXX, XXXX they have charged me for " force '' insurance in the amount of {$2700.00}. they can not charge for this when there are no improvements on the property. they need to refund this money. 

also i paid myXX/XX/XXXX payment early on XX/XX/XXXX, XXXX they have not applied this as a mortgage payment but rather to principal reduction. by doing this, they are now saying that i didnt make a XXXX payment. i also made a payment on XX/XX/XXXX and XX/XX/XXXX. i don't know what they have done with these payments. by applying these payments where they want, instead of to the regular mortgage payments, they now want to charge me late fees, penalties, interest and mess up my credit. this is fraudulent. 

what can u do to stop this fraud? also i asked them to email me my deed of trust. they said they would but instead emailed other useless docs on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Checking or savings account

I have a business account with XXXX XXXX. Normally Ive been making more transactions than usual and I noticed XXXXXXXX XXXX put a block on my card Friday XXXX XXXX when my card declined when I was trying to make a purchase.. I then contacted citi bank about my card declining and they transferred me over to another department that handle fraudulent charges. They told me that the back office have a block on my card due to my most recent purchases. I spoke with several people after calling so many times. They told me the back office was closed over the weekend and they will get in contact with me if they had any questions and that it was nothing that they could do about it. One guy named XXXX hung up in my face after I asked for his employee-team number because he was being so rude as if I wasnt a hard working individual that need to have access to my funds. Ive expressed them all how unsafe it is to put our trust into these banks and they take and steal our money and they also put holds and blocks on our money when they want to. IT IS NOW TUESDAY and I still cant make purchases on my debit card. I have called and spoke with another team member and he stated that the block is still on my card and it is not absolutely nothing he can do about it. The back off still havent contacted me nor did they contact me when my card was first blocked. This is very inconveniencing and Im having a hard time with this bank since Ive made a complaint about them the very first time.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On or about XX/XX/2021, I chatted with a rep via the chat option in the website of the bank to approve the increase of my daily spending on my card because I had to do a cash advance at my other physical bank to buy a cashier 's check to pay a court judgement. The rep said I would have to speak with the rep to confirm my identity. I had the rep a few hours during a break from my job. I validated my identity, but the rep that helped me over the phone at loss prevention by name of XXXX XXXX was very unprofessional and refused to answer my questions. When I insisted she answer my question, she retaliated by not approving the documents I submitted for verification even tho she and the earlier rep promised I would get the approval yesterday if I provided those documents. She sounded mad at me for making this statement and they proceeded to freeze my accounts and block my access to all 5 of my accounts. I find this behavior to be not only unprofessional but a violation of my right to access my account and money. No one should be subject to this level of retaliation because of a rep 's unprofessional conduct.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, TranUnion data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. Please update and investigate and report accurate information on credit report.