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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XXXX LATE REPORTING IS ON XXXX XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Second Request for Investigation and Immediate XXXX XXXX XXXX XXXXXXXX Dear CFPB, This letter serves as a formal follow-up to my dispute submitted on XX/XX/year>, regarding account # XXXX. The reported XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year> on my TransUnion credit report are completely inaccurate and unfounded. 
Legal Basis for My Dispute XXXX XXXX XXXX ( a ) : You are required to conduct a thorough and accurate investigation within 30 days. 
XXXX XXXX XXXX ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of reported data. 
Attached Documentation Copy of government-issued ID Social Security Number for identity verification Proof of address Relevant section of my credit report Requested Actions Update the account to reflect " Paid As Agreed, Never Late '' or provide verifiable proof supporting the late payment claims. 
Provide me with the detailed procedures used during your previous investigation after XX/XX/year>, as per XXXX XXXX XXXX ( a ) ( XXXX ). 
Comply with the FCRA timeline and respond within 30 days. 
If no corrective action is taken, I will escalate this matter to the CFPB and pursue further legal remedies. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

on XX/XX/XXXX loan depot, agent XXXX XXXX, called me while I was driving to see my sister who was very ill. Note : loan depot had called me several times and I had informed loan depot that I was not interested and did not listen to any offer. On XX/XX/XXXX, a XXXX XXXX me telling me what Loan Depot could do for me. XXXX informed me after getting info from me that He would be able to refinance my home. The end result is that Loan Depot did the bait and switch. ( refi amount, interest rate, etc. ) XXXX said no problem getting the loan, BUT, he would need {$490.00} for the appraisal. I did not feel good about this but XXXX was very aggressive and informed me that I would get the money back at the closing. I FEEL XXXX XXXX WAS FRAUDULANT IN HIS APPROACH. I could write several pages as the only thing I want back is the {$490.00} appraisal fee. I have contacted Loan Depot and gave me a song and dance about why I would not receive the money back. 
I do not want any more contact from Loan Depot as they are fraudulent in trying to get owners to refi. ( can not be trusted, preying on seniors. I have contacted ATTORNEY GENERAL of STATE of MINNESOTA. I want Loan Depot to be banned from doing financing in Minnesota. I want {$490.00} back plus a penalty because of their fraudulent approach in my case. please contact me ASAP. I am a senior on limited income, I can not work due to injury. I received no copy of an appraisal. XXXX XXXX
Product: Debt collection

In XXXX of XX/XX/2017, Armada Corp., advised of an outstanding debt for XXXX XXXX. Proof of payment was given to the collection agency however, their position is that they received the debt prior to being paid and are therefore owed for their services. I have twice sent letters to satisfy this problem and with no response. However, Armada  continues to report the debt as unpaid and will not remove from credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX was Contracted to relocate a piece of equipment to a Farm in XXXX AZ to a customers place of business. The company quoted {$420.00} for the pickup and delivery of the piece of equipment and were promptly paid that balance ( on XXXX XXXX ). The item was delivered without any problems and arrived safe and sound. I was later contacted by mail from XXXX that an additional fee above and beyond the original amount was due to the company. I then contacted the company Via phone and asked what the fee was in regards to. The representative told me it was a " Residential delivery charge '', I politely explained that they were mistaken and that the item was delivered to an active farm and was zoned commercial and was an Arizona registered Agricultural address. The representative stated the driver had passed a house on the property and XXXX policy stated that made it residential. I have been to the property personally and yes there are actually quite a few residential units on the property. The owner is vey good to his employees provides housing for the workers that work there. However the property is 4,500 acres PLUS in size and has a main office and about a 6 acre commercial loading and unloading area with Tractor Trailer Access they have to in order to ship out the crop! This property even has its own Fuel Pumps for the 20 some pieces of heavy equipment that are operated around the clock. I tried to no avail to explain this to the rep and was told she could n't do anything about the fee and I had to pay it. I informed the employee I would not pay any additional amount to the company based on their explanation since they were asking for money that was not owed. I have since received a COLLECTIONS NOTICE in regards to this amount. Please assist in resolving this issue. I would prefer not to have to contact an attorney I 'd rather just have this go away as it should have after my contact with the company. 

Thank You
Product: Credit card or prepaid card

I recently applied for an Apple card through Goldman Sachs Bank USA-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. I contacted XXXX XXXX XXXX and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. XXXX XXXX XXXX communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no one has contacted me from Goldman Sachs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off my letter requesting an investigation on XX/XX/2023 via certified mail. 

According to the FCRA the term Investigate consumer report means a consumer report or a portion thereof and which information on a consumers character, general reputation, personal characteristics, or mood 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. 

These accounts state different dates and amounts being reported and is not 100 % accurate. They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate as stated. According to the FRCA 15 USC 1681 everything has to be 100 % accurate or it must be deleted by law. Below are a list of inaccurate accounts containing inaccurate information. I am requesting these to be removed permanently from my credit reports ASAP.

1. XXXX XXXX ( original creditor ) / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX **Same debt also reported on behalf of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Pa XXXX XXXX XXXX Acct # XXXX ( last 4 ) * Multiple inaccuracies reported on this collection file. 

XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Ny XXXX XXXX. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 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 the receipt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX* Balance : {$8300.00}
Product: Mortgage

I was laid off in XX/XX/XXXX due to covid-19, I was unable to pay my mortgage when I finally was able to pay my mortgage ( XXXX ) then made it a very big hassle to get my mortgage restarted, I have filed multiple loss mitigation applications and I have to call the bank every single day to find the status of anything out, they keep denying my loss mitigation application saying that I'm missing paperwork, even after I submitted everything they requested multiple times. they told me they finally approved my application and then they said I was denief for all repayment plans but did not give any reason as to why.. I'm at the last stage of tge mihaf program in the state of Michigan, i was approved for funding and the bank is just waiting on the money, they are aware of this from me and from the mihaf program who has been in contact with them. I spoke with flagstar bank XX/XX/XXXX and they said that my house was not on auction status but i have seen that it is and supposedly they had put a team together to sort out the mihaf money issue. I have talked to lawyers about filing for bankruptcy which I may have to do if they can not figure out what they are going to do
Product: Credit card

ON XXXX I went into the XXXX and my Credit card was stolen- The last charge on my Card was on XXXXXXXX XXXX XXXX After that I went into the XXXX XXXX XXXX XXXX  and my wallet was lost. I was XXXX XXXX XXXX XXXX XXXX and it took a while to find my phone> The last purchase I mad was on my new card when it got cancelled and reissued was XXXXXXXX XXXX XXXX XXXX XXXXXXXX - There are a bunch of transactions between that time that was not disputed. I will attach my XXXX bill for that time period and would like the remainder of the charges during this time to be removed for fraud
Product: Credit reporting or other personal consumer reports

From XX/XX/year> to XX/XX/year> I have XXXX inquiries on my credit report that were not made by me. They are through XXXX XXXX XXXX, XXXX with XXXX XXXX XXXXa, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of these was done by me. These inquiries need to be reported as fraud and they absolutely can not be accepted. DO NOT approve any of these inquiries and report them as fraud.
Product: Checking or savings account

I have 4 accounts with Capital One. I opened a 360 Performance Savings account early this morning ( Sunday, XX/XX/XXXX ). I had linked my XXXX account in the past. I used that to transfer the {$5000.00}. I also transferred another {$3000.00} from my Capital One checking account. Upon completion there was {$3000.00} available in my savings account. Which made sense since the {$5000.00} was from an external account and would take a day or 2 to clear. I log in later this morning and all my Capital One accounts have a message stating Your funds are currently unavailable for withdrawal. Please call us at XXXX ( XXXX ) XXXX. I call the number and Im informed the office that would lift the restriction is closed until Tuesday. How is that acceptable? They have frozen my accounts and cant explain why. An account I share with my mom has also been frozen. 

Capital One 360 is digital which baffles me that they dont have a solution to this. I should have been informed moving a certain amount of money will freeze my account. Definitely not freezing all my accounts. There has got to be some law against this!!
Product: Debt collection

XXXX- {$630.00} XXXX- {$340.00} BOTH of these are old debts that are trying to be pulled as new debts, that have been resolved. Plus I do n't even know how you would EVER EVEN get a cell phone bill as high as {$630.00}, that is what I can not also understand. 
Thank you for your time and consideration.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance Corp on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Credit Acceptance Corp took cash. The finance charge is supposed to include insurance, but Credit Acceptance Corp made me purchase insurance separately.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Regarding Withheld Unemployment Funds Dear PayPal Customer Service, My name is XXXX XXXX, and I am writing to file a formal complaint regarding my unemployment funds that have been stuck in my PayPal account for over three years. In XX/XX/2021, I received my unemployment benefits to my PayPal account. Despite numerous attempts to retrieve my funds, PayPal has consistently refused to release them. 

This situation has caused me significant financial distress and inconvenience. I have followed all required procedures and made multiple requests, yet my funds remain inaccessible. I have been homeless for the last three years, and access to these funds would profoundly improve my circumstances. 

Given the prolonged duration of this issue and the lack of resolution, I am left with no choice but to consider legal action against PayPal. However, I am willing to give PayPal one more chance to resolve this issue promptly. If my funds are not released immediately, I will seek compensation beyond the amount owed due to the severe impact this has had on my life. 

I am writing to request your urgent assistance in addressing this issue. Please help me retrieve my funds. What steps do I need to take to resolve this issue? 

This situation has gone on long enough, and I expect a prompt resolution. Please address this complaint with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN last four : XXXX
Product: Credit card or prepaid card

I have. A discover card. That I recently found out had unauthorized charges. ( I became sick and unable to focus on bills - billing statements still actively closed in envelopes proving I had not seen any statements ) it did take. Awhile for me to report but this was due to me just finding out. Im being helps liable for unauthorized charges and being forced to pay for these unauthorized charges. 
I had no idea this occurred and when I became aware I reported it and told them I had not seen statements to know. 
They keep insisting Im liable due to their speculations and false accusations without objective proof basing everything on what could have happened what I couldve done. Falsely accusing me of doing this without objective proof making me feel like I need to defend myself from them placing me in a position of defending myself as if Im a criminal. 
It is I believe their join to help customers not use everything to pin charges on them because they cant find anyone to blame. 
Im being forced to pay for unauthorized charges. And when resolving dispute they said they resolved dispute. They did not Resolving a  dispute between customer n creditor involves a resolution between parities. This is not resolved to me. Or when I received a letter they stated they needed more information without speaking to me same day they sent a. Letter saying they concluded the investigation. And holding me liable. 
Essentially the dispute was not handled properly or timely. Please call me for more info pleas e. 
Discover falsely accused customers and makes the. Believe they did something wrong putting the. In a defensive mode as if they have to figure out how to be detectives and forced to accept liability for unauthorized charges. 
I regret this card. Please do not get Discover card.
Product: Credit card

Somebody applied for a XXXX dollar credit card from capital one. I wasnt made aware of it until I tried getting a credit card from XXXX  and checked my credit because they said something was recently added to my credit. When I checked it said I have almost about XXXX dollars I need to pay back to capital one because of the credit card and it racked up interest. I never applied for a card until I turn XXXX XXXX I was in XXXX  trying to raise my credit but one was already taken out without my knowledge
Product: Credit reporting or other personal consumer reports

I am contacting XXXX XXXXXXXX XXXX  Regarding an account that is alleged to be mine. I have disputed this account a few times regarding the repeated charge-offs that are being placed on my report each month and I always get a letter back stating that it has been verified and the information is correct. 
According to the FCRA, a charge-off should only be reported once, when the first delinquency happens. I did not receive an offer to Arbitrate, and I did not receive a 1099C which this charge-off is reporting each month. If this is not corrected or removed I will contact a lawyer behind damages to my credit worthiness. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 
4. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccuracies on my credit report, which I initially reported on XX/XX/2024. Despite my repeated attempts to resolve this matter, including subsequent correspondence on XXXX, you have failed to provide accurate verification or a method of verification for the disputed items. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputes and verify the accuracy of the information. This includes YOUR duty to contact the furnishers of the information for verification, as outlined in 15 U.S.C. 1681i ( a ) ( 2 ). However, your responses have not provided the required verification or documentation to substantiate the accuracy of the disputed items. 

Given your failure to comply with these obligations, and as stipulated under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are obligated to delete any information that can not be verified. Additionally, 15 U.S.C. 1681i ( a ) ( 6 ) mandates that you delete information that remains unverified. 

The disputed items are as follows : Account names : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX BANK : Account number : XXXX XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX  : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX As this matter has not been resolved despite multiple attempts, I am now requesting the immediate removal of these items from my credit report. Please provide me with an updated copy of my credit report reflecting these changes. 

If this issue is not resolved within [ a specified time frame, e.g., 15 days ], I will escalate this matter by filing a additional complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal actions to ensure compliance with the FCRA. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely,