23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A WELLS FARGO CREDIT CARD I WOULD LIKE FOR THE CARD TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637BXXXX CARD # XXXX OPENED XX/XX/year> INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Product: Credit reporting or other personal consumer reports

I seen this on my credit report I never gave permission to run my credit or access my info
Product: Credit card

On XX/XX/XXXX I received a bill from Lowe 's and synchrony regarding a charge from XXXX TX for {$510.00} which I never made. We live in XXXX NY and have never visited XXXX TX. This charge was apparently made on XX/XX/XXXX. After calling to report this matter we were informed we had to go through a process we believe violates our privacy including a video and access to our cell phone and copy of my driving license?
Product: Money transfer, virtual currency, or money service

withholding my available balance from me stating, I need to get verified even though my account had already been fully verified and i could not verify any further, I tried but was prompted that I was already fully verified and that no further action could be taken. Skrill continued to ignore my request to release my current funds in the account and was told that if I close my account my funds would be released to a account of my choice. upon closing my account nothing took place other than Skrill taking my money and ignoring my emails or placing me on hold for hours at a time before hanging up on me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 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 13 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

On XXXX 2014 my SS was stolen & used, and my Computer was acked : finally 2 years later they have taken out a lot but there are still error I am XXXX years old. my car was in the shop for repairs XXXX I need it for going to the grocery & Dr. appointment plus I had in 2014 XXXX & XXXX must see the XXXX XXXX XXXX time each years, My S S is very modest, please help me Thank you XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX XXXX tel. XXXX
Product: Mortgage

Mortgage with Wells Fargo A/C # XXXX I purchased my house during initial stage and Covid pandemic and I got good deal on it. 
Since then home prices sky rocketed in my neighborhood and my house has appreciated significantly. 

I asked mortgage lender to review PMI and they sent me letter dated XX/XX/2021 and gave me two options to apprise the house to show LTV ratio to 80 % I followed broker appraisal and since house has been appreciated so much, the LTV ratio is close 60 %. 

However, lender is unwilling to remove PMI and wants me to show significant improvements to home. This seems ridiculous because technically I have more than 30 % stake in the house. The clause of significant improvements is an excuse for the lender to guarantee PMI money stream for long period. 

Besides, I have excellent credit score and never missed a payment.
Product: Checking or savings account

I am a current Truist Bank, and I own a local real estate brokerage. On XX/XX/XXXX, I deposited a commission check into my account like I always do after closing. The check is from a reputable local real estate closing attorney. I have deposited dozens of checks from this attorney into this account. 

The next day I received an email that the funds were under investigation and that I would not have access to those funds until XX/XX/XXXX. They did not tell me the day the check was deposited in my account, they told me the next day. No one called me and explained why this was happening or what the process was to use the funds. The email says that I should check my balance every day until the funds show they are available. 

Today XX/XX/XXXX, the funds are showing as available just like the email said. So I decided to go ahead and pay the bills electronically. I believe I paid scheduled about 12 electronic bill payments and wrote 2 electronic transfers to employees that needed to get paid from this transaction. All of those bills were paid using my account/routing number. I would not have initiated those payments if I did not see an AVAILABLE balance. Nothing on the account said it was restricted or still in an active investigation. 

I then decided to use my debit card linked to this account to purchase something, which was denied. I called Truist, and they told me my account is restricted and in an investigation and that I do not have access to my funds. I told the lady on the phone that my account shows that I have funds available online, and nothing says my account is restricted. I also told her I scheduled bill payments using the account because it showed that my balance was available. She said that I should have access to my money on XX/XX/XXXX. I told her I would most likely receive overdraft fees for all those items. She offered no help and ended the call. 

This is entirely unacceptable. I need these funds to pay my bills and employees. Truist Bank should not be allowed to hold my funds for extended periods without giving me any explanation. Then they tell me I could use the funds when I see an available balance. I see an available balance, but they deny my debit card transactions, decline all of my bill payments, and I have no access to my money. Not only that, but I will incur overdraft fees for every bill and check I scheduled today.
Product: Debt collection

The company,   XXXX   XXXX   XXXX   XXXX   XXXX  , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at   XXXX   XXXX   in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called   XXXX   XXXX  . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX of 2022 which has been ignored and none of the issues were removed. 

In addition all XXXX bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.
Product: Checking or savings account

prior claim XXXX still not resolved - Suntrust is still holding on to the wire transfer money refusing to send it back .I had been dealing with XXXX XXXX to try & get this resolved. 
Seems Suntrust back in XXXX was contacted by the XXXX  XXXX XXXX to recall the wire. Suntrust refused at that time. Now since they refused XXXX  XXXX XXXX can no longer request this. I personally called the XXXX  XXXX XXXX & they stated since the account has been closed the funds should automatically be returned to them for their client. Suntrust has these funds since XXXX it was a wire. 
I have tried to contact XXXX XXXX- at XXXX XXXX, to see if Suntrust can send a cashier check to the maker of the wire. I have not received any calls back. 
I can sign a hold harmless so the funds can be sent back to the XXXX  XXXX XXXX for their client. I have asked since XXXX on numerous recorded calls to suntrust requesting this be returned. 
It seems like the only way I have gotten any resolution to this was to file a complaint. Suntrust has no rights to keep these funds. they finally after fighting & filing a complaint released the funds do to me that were being held. Now it seems they are not being compliant again in releasing the funds back. They have it on record & can contact XXXX XXXX at ( XXXX ) XXXX who had been handling this for her client- she is an officer at the XXXX  XXXX XXXX XXXX 
Please I ask again for your agency to step in to get this resolved. 
thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently discovered multiple entries from debt collectors on my credit report. I have no knowledge or involvement with these debt collectors, nor have I ever signed any agreements or incurred any debts with them. These entries include over 15 debt collectors, all of whom have listed incorrect or fraudulent information. I was not informed of any of these debts, and my personal information, including what seems to be my home address and other private details, was used without my consent. I was not aware of these entries until I checked my credit report. I immediately attempted to reach out to the credit reporting agency to rectify the situation, but I have not received a resolution or any satisfactory response. 

Additionally, I am requesting compensation for the damages caused to my credit score and the distress caused by these unauthorized actions. These violations have led to a significant amount of stress, as I was unaware of any of these debts and never consented to their reporting. My personal and private information was leaked, and I believe that this is a violation of both state and federal laws. I expect a prompt resolution and appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. 

I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX Equifax and XXXX. 

The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. 

It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. 

Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. 

The Entire account Being Reported by The Department of Education XXXX is inaccurate and is affect my personal credit report tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving emails from Integra credit about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have XXXX XXXX on them. Contact was made and to no aveil nothing has been done to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint but a complaint / request that has never been fulfilled. For 5 years I have requested the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX. Instead, I get correspondence like the attached. I need the permissible permission for my claim against the person who stole my identity. PLEASE READ MY REQUEST CAREFULLY AND DO NOT IMMEDIATELY PUT THIS UNDER FRAUD AND GO IN ANOTHER DIRECTION. MY REQUEST IS SIMPLE - I am requesting copy of the permissible permission used to access my credit report in XX/XX/2017. I need the signed copy / application. I do not need the contract or amount due. QUIT BEING CHILDREN BY PLAYING WORD AND PAPER GAMES!
Product: Credit reporting or other personal consumer reports

Equifax is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Equifax has not provided this information. This give cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Equifax permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. Investigations of disputed data require sources of interviews of family and friends, and CAN NOT contain factual information. These are my RIGHTS under the FCRA that Equifax has on their own website. I take my right to 100 % complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give equifax or anyone else my written permission. Under the FCRA it says " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company.
Product: Money transfer, virtual currency, or money service

I was involved in a XXXX  scam with a woman who scammed me into paying to recover her XXXX  and XXXX  inheritance which we would have shipped to the XXXX from XXXX.
Product: Debt collection

I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

This is RPM? RECEIVABLES PERFORMANCE MANAGEMENT , LLC They are running a scam. I have no outstanding debts, my credit report is clean, I never recieved a letter, they wo n't tell me what they are calling for, hang up more than 50 % of the time, try to verify information before telling who they are or what they want, hang up if you do n't comply. There are hundreds of reports of the same behavior online, why are these people not in jail yet?!
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX and XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX and XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX and XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.