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

I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/XXXX. I have sent an affidavit of truth to both XXXX XXXX XXXX AND Equifax certifying that this company XXXX XXXX XXXX is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XXXX. I've received no phone calls. And yet, they continue to report this false information to Equifax as well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is XXXX XXXX.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XXXX my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report XXXX Employment, Insurance, Credit Cards, etc ) XXXX XXXX XXXX has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to Equifax and has immensely impacted my credit scoring in a negative way. I have take appropriate actions and doing my part as the consumer and have not heard back from either companies. In fact, the collection agency XXXX XXXX XXXX is late in giving me my requested response. Please see prior CFPB complaint number : XXXX. I filed my initial complaint XX/XX/XXXX and have yet to hear back from the company. Meanwhile my credit profile continues to be negatively impacted by this false reporting on BOTH XXXX XXXX XXXX and Equifax. All documentation was sent to Equifax via certified mail with the following tracking numbers : XXXX as well as with a green signature confirmation form stamped by XXXX XXXX with the following tracking number : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid my last bit of four increments of {$4300.00} ( XXXX XXXX XXXX XXXX Dollars ) to an alleged broker/landlord. 
Upon finding the listing on XXXX, I contacted the phone number which they had listed as " ( XXXX ) XXXX. 
The listers name was " XXXX ''. 
I advised him I had interest as such in viewing the apartment. 
He suggested I go to view it in person. 
He wouldnt be able to make it due to other listings he has to show other potential buyers at other locations he has for rent. He told me that I can go in person with the lockbox code in which will grant me access to view. 
Upon doing so, I went on Saturday, XX/XX/2019 at XXXX XXXX on XXXX XXXX XXXX XXXX NY XXXX. 
I viewed the apartment with another companion, I liked the apartment, I then called XXXX to inquire about the process to move in. He advised I should fill out lease application in which he will send me via email. The email is " XXXX '' " XXXX XXXX '' is the landlord and emailed me the lease application. 
I filled it out. I then emailed it, I was told to send deposit to secure the apt . 
I sent the money via ( " ZELLE '' ) She confirmed delivery of funds. 
I havent heard from them until Thursday XX/XX/XXXX in an email reply to my original email inquiring on the lease I was promised. 
I wanted to know why the past couple days, I was guaranteed to receive it, but had yet to receive it. I then got more leary, I was told verbatim, it bounce back but assistant was supposed to send it day prior. I have been " taken '' a victim of fraud a scam. 
I am a mother of XXXX young children, trying to provide shelter for my children and myself, a student and full time worker, I really hope that this matter can be escalated and resolved. Thank You very much. Post all the events that transpired, I looked at the apt online today, I see an adjustment in the listing price by XXXX $ more, also a whole new contact number. 
I have all references, a witness, texts emails, phone calls, pictures, and transaction ID time and date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 GLOBAL LENDING SERVICES XX/XX/22 XXXX XX/XX/22 CAPITAL XXXX AUTO FINANCE XX/XX/22 XXXX OF XXXX XX/XX/22 AMERICAN XXXX XXXX XX/XX/22 XXXX CREDIT/HONDA OF XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 FIS/ASSOCIATED BANK, NA XX/XX/22 XXXX ACCEPTANCE XXXX XXXX XXXX CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX ALLY XXXX XX/XX/22
Product: Credit reporting or other personal consumer reports

Care credit refuses to report the right balance. The card has been paid off, and they wont report it that way, but they report right away when they hit you with ungodly amounts of interest. The company should be shut down for being predatory.
Product: Debt collection

This is my third and final attempt. : Proof Of Verification For Previous Complaint # XXXX and XXXX. 

1 ) I'm requesting a copy of the SIGNED ORGININAL PURCHASE AGREEMENT. Agreement MUST be with the ORIGINAL CREDITOR AND SIGNED BY ALL PARTIES INVOLVED.

2 ) I'm requesting a copy of the CONTRACT THAT I SIGNED WITH YOUR COMPANY PACIFICALLY AND THAT I'M GOING TO BE PAYING BACK YOU. 

IF NOT UNDER 15 U.S. CODE 1692K CIVIL LIABILITY I WILL BE ASKING FOR STATUTORY DAMAGES, ACTUAL DAMAGES, PUNITIVE DAMAGES, ATTORNEY 's FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to Congressman XXXX XXXX for his assistance in this matter.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 

I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and CREDCO - XX/XX/XXXX
Product: Checking or savings account

I have been trying to speak to someone about these issues since XX/XX/2023, when I first noticed my bank account funds started becoming very low, and I just deposited {$30000.00} on XXXX XXXX. When going Over the bank account statements and the statement of Cashapp, they do not line up with the same information. Cash app also shows in XX/XX/2023, {$4700.00} was deposited with beginning balance on XX/XX/2023 {$20.00}, and ending balance at {$41.00}. It doesn't show where the {$4700.00} went or withdrew from, and cashapp shows a limit for XXXX $ daily or {$2500.00} a month, and XXXX XXXX XXXX only allows 5 transfers a month, where cashapp shows at least 20 transfers between the two banks. Cash app has hung up on me time and time again when calling and the bank sent me a letter stating I owe them - {$400.00}, and XXXX XXXX XXXX states I owe them - {$100.00}.
Product: Credit reporting or other personal consumer reports

You VIOLATED U.S.C 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) -Congressional Findings.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy. 

I have informed EXPERIAN with proper paperwork confirming the account with XXXXXXXX XXXX has been paid as agreed, but still appears on report as negative charge off. 

Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 

XXXX/ BENEFICIARY
Product: Credit reporting

I wanted to check my credit so I logged into Experian. It asked if I wanted to pay XXXX for my FICO score. I check yes. My score was perfect so I logged out. Somewhere along the line they say I signed up for some type of service with them and they billed me XXXX later. 
I did not authorize this nor did I see anything that said I was incurring this charge. I called and was told too late they had already processed the charge and could not reverse it. 
To charge someones credit card they need to make it plain to the consumer that they are being charged and should require a box to be checked authorizing the payment. 
I am a XXXX and resent being what I call tricked into a fee for something I do not want or need.
Product: Credit reporting, credit repair services, or other personal consumer reports

on todays date I obtained a report from Chex Systems. I found multiple violations including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent!. I Am A CONSUMER FEDERALLY PROTECTED BY THESE LAWS AND IT IS ILLEGAL to report these to anybody without my consent
Product: Checking or savings account

Subject : Urgent Assistance Required Capital One Account Restriction and Closure Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Capital One Bank regarding the unjust restriction and subsequent closure of my personal and business accounts without explanation. This issue has caused significant financial hardship and has put me in a critical situation as I need access to my funds to close a mortgage within 20 days. 

Details of the Issue : On XXXX XX/XX/year>, Capital One restricted access to my accounts without providing any prior notice or reason. 
My restricted accounts include : Personal Savings Account : Approx. {$64000.00} balance Personal Checking Account : Approx. {$90.00} balance Business Account : Approx. $ XXXX balance The funds in these accounts primarily consist of genuine Uber-related deposits from my business. 
Despite multiple attempts to contact Capital Ones customer service, I have not received any clear explanation for the restriction or closure. 
On XXXX XX/XX/year>, Capital One informed me that they are closing my accounts but have refused to provide any reasoning, timeline for fund disbursement, or guidance on how I can retrieve my money. 
This situation is also negatively impacting my credit, as an involuntary account closure can reflect poorly on my banking history. 
Request for Assistance : I urgently request Capital One to provide a clear reason for the restriction and closure of my accounts. 
I need a timeline and process for the disbursement of my funds. 
Given the urgency of my mortgage closing, I request an expedited resolution to avoid financial repercussions. 
If there are any compliance or procedural issues with my transactions, I request Capital One to communicate them transparently so that I can take necessary corrective actions.

I appreciate your immediate attention to this matter, as this has placed me under significant financial distress. I request CFPBs intervention to facilitate a resolution and ensure that Capital One follows fair banking practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX. ( XXXXXXXX XXXX XXXXXXXX ) XXXX // XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX
Product: Mortgage

Re : Loan Nbr XXXX SLS/XXXX FRAUDULENT FORECLOSURE Please see Letter of today, XXXX XX/XX/2021, enclosed with the full complaint. 
For some reason the document would NOT permit me to copy/paste. 
Please forgivel Thank you for understanding. 

Sincerely, h XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent accounts listed below be blocked and deleted from my credit report. My personal information was compromised due to a data breach, and these accounts were opened without my knowledge or consent.

In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts blocked and removed from my credit file. 
Fraudulent Accounts XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX  XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX  XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$660.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$640.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THERE IS ALSO A INCORRECT SOCIAL XXXX 
THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

I spoke with company paid amount in full they stated will remove it off my credit and didnt
Product: Debt collection

My name is XXXX XXXX XXXX and this is in regards to a debt not owed which was already discharged on a bankruptcy. The financial institution is " Discover Bank '' which filed a judgement against me in the amount of {$2700.00}. This judgment was filed on XX/XX/XXXX Case No XX/XX/XXXX in the official records of XX/XX/XXXXCounty Minnesota.

Bank : Discover Bank Amount of {$2700.00} Date Filed : XX/XX/XXXX Bankruptcy Case No : XXXX XXXX XXXX, Minnesota. 

I reached out to Discover Bank several times this year. First, in XX/XX/XXXX and XX/XX/XXXX and they refused to help or even provide more information on the judgment. They explain their records can only go back 7 years and thus the only option I have is to pay the debt. However this debt, and every other Debt that my ex-wife and I had were all discharged on the bankruptcy that we filed on XXXX.
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 : 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 XXXX business days.To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX 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: Payday loan, title loan, or personal loan

I sent them a letter on XX/XX/XXXX ; In XX/XX/XXXX, and in XX/XX/XXXX asking them to verify the debt and amount due. I made several payments to Ad Astra in XXXX and XXXX towards the balance of the loan, but my credit file still reflects the original payday loan amount of {$660.00}. I have reached out to them via US Postal service but haven't recieved 'any ' correspondence back. I need for them to update the amount owed and work with me to resolve the balance or remove the incorrect information from my credit report altogether due ti inaccurate information.
Product: Debt collection

Equifax and XXXX XXXX XXXX are letting thousands of dollars in XXXX XXXX XXXX XXXX bills be double billed just different prices we Equifax is wanting me to file a third dispute when after closing the first they after me calling removed one
Product: Checking or savings account

I sent money through venmo and realized it was a scam. Venmo said they could not help and did not support in suspending the account or recovering anything from the scammer.
Product: Payday loan, title loan, or personal loan

XXXX from XXXX XXXX called me. I called back the # XXXX said I owe money from 2018 because of a payday loan from XXXX XXXX. I have never heard of or used My XXXX or XXXX XXXX. XXXX had all my information including where I work,, my address, and social security number. 
I told him it's fraud I've never used these companies. I hung up and called back XXXX minutes later. A man named XXXX picked up and called me XXXX. I do not know XXXX. I talked to XXXX again and he told me that guy was mistaken and he ( XXXX ). Was turning over information to my employer and authorities.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. im not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently. my email linked to my paypal is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.