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

The Credit Bureaus stated Account XXXX XXXX XXXX XXXX # XXXXXXXX XXXX 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 was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Yes I have and been going backwards with them since XXXX  they are still putting this on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agency [ XXXX or Equifax Dear [ XXXX or Equifax ], I am writing to formally dispute the inaccurate information that appears on my credit report under my name, [ XXXX XXXX, XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

Upon reviewing my credit report, I discovered that the entry for [ specific account related to XXXX, provide account number if available ] is incorrect. Specifically, [ briefly explain the inaccuracy, e.g., " the reported amount is {$14000.00} when I owe {$0.00} dollars This misinformation is negatively impacting my ability to obtain credit and housing. '' ] Under Section 609 of the FCRA, I am entitled to request a review of this data and receive accurate credit reporting. I am requesting that you investigate this matter and provide me with a written response regarding the outcome of your investigation.

Please consider this letter a formal request for correction of the inaccurate information, as outlined in Section 611 of the FCRA : XXXX. Investigate the disputed information. 
XXXX. Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 
XXXX. Provide me with written confirmation of the results of your investigation. 



Please conduct this investigation as required under the FCRA, ensuring a full resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, which I believe was a mistake. My PayPal account email address is XXXX. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always been a law-abiding user of the PayPal platform and have never engaged in any fraudulent activities or transactions. Therefore, I strongly believe that the permanent limitation placed on my account was an error. 

I respectfully request that PayPal re-investigates my case and restores my account if possible. I am confident that a thorough review of my account activity will show that there has been no wrongdoing on my part. I am eager to regain access to my account and resume using PayPal for my online transactions. 

In conclusion, I would like to thank you for your time and consideration in reviewing my appeal. I hope that you will take the necessary steps to rectify this issue and restore my PayPal account. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Accounts : XXXX XXXX XXXX, acct : XXXX Auto repossession ; Auto Lease Date Reported : XXXX Date Opened : XXXX Credit Limit {$14000.00} Balance : {$20000.00} I Request the method of verification and ask for the following : The name of the original creditor The address and phone number of the original creditor The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify This information reporting with all bureaus is incorrect/ this account does not belong under my name and I have never had an Auto repossession.
Product: Debt collection

In XX/XX/2018 I sent a certified letter to Discover Card, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over XXXX months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, Discover Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY XXXX AND XXXX XXXX, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX XXXX XXXX female with such XXXX  health issues. I have lost weight, can't sleep, and my XXXX flare ups are severe. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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  XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Product: Checking or savings account

I used a Bank of America ATM to withdraw the entire amount of my unemployment money. From that point on, someone started monitoring my account on XX/XX/23, for approximately 2 weeks, until it was there was more money available. At that point they emptied out my account so that when I went to the grocery store, I had no money to buy even {$20.00} worth of grocery. I really need my money for grocery and to pay my rent and can not afford to wait for 90 days to recoup my lost funds because I'll be evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : XXXX XXXX XXXX ;XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story.

You have been reporting inaccurate information under FALSE PRETENSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle that was totaled on the same day as the car note payment for that month ( XX/XX/XXXX ). I purchased full coverage through XXXX XXXX AND total loss protection ( gap ) insurance through XXXX XXXX XXXX XXXX XXXX. when I bought the car in spring of XX/XX/XXXX. I filed a claim immediately and my car was signed over to XXXX XXXX  so they could handle the claim in its entirety. Now, Ally Bank has claimed that I've owed them {$330.00} ( which I don't understand because my payments were only {$230.00} a month ) and this has plummeted my credit score from a mid 700 to a low 500.  I've been trying to resolve this for almost two years now and when I tried to call Ally about it, they either ignore me, hang up the phone, or keep me on hold for hours. I have submitted documentation of my insurances and a letter from my agent stating that XXXX XXXX took ownership of the vehicle, yet there still remains TWO " XXXXcharge off '' marks on my credit score for this same issue. From my research and understanding, once you get one " charge off '', that's supposed to be the indicator that a company has given up on trying to collect from a consumer directly and has sent the payment to collections. They also lied and said I paid them and was in good standing for three month of XX/XX/XXXX. The information is inconsistent and scattered and incorrect across all credit reporing agencies and I need it off my credit report entirely.
Product: Credit reporting or other personal consumer reports

It said the payment history was wrong the credit report had XX/XX/21 on the credit report when got the history from the company it was different and they didn't delete it
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX XXXX I submitted an Investigation Request to TransUnion and attached XXXX documents. The first document was an Oklahoma Tax Lien Release and the second document was an email from the State of Oklahoma Tax Commission stating I need to requests them to update my record. Before I submitted my request to have the entry removed the date of removal was in XXXX, now they have moved it to XXXX. They need to remove the entire record from my Credit Report as the State of Oklahoma has agreed.
Product: Consumer Loan

On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.
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 these violations.
Product: Checking or savings account

I had a chase account in a negative {$5.00} balance and I called chase and let them know and they told me to go to the bank and pay the {$5.00} fee so my account can be opened up again. I went to the bank and payed the fee, my account was open, so Im thinking its a smooth sailing but they ended up restricting my account the next day where I couldnt log in. Went to the bank the second time with all my verified documents because I thought maybe since it hasnt been used in a while they think its someone else. Got my documents verified and my account was open up back again. Same thing happened the next day, so I got fed up and went to the bank because it was getting out of hand then they tried to open it back up but idk what was said on the phone but they told them that works there that they can open it up so I told them how there must be a reason? Theres a reason for everything. They told me chase has a thing in there agreement stating they have the right to close your account basically with no reason. So they told me that a letter would come in the mail STATING the REASON why it was closed off and whatever funds on my account will be issued to me as a check. So I havent received any letter up till this day its been 2 months and I check my mailbox everyday and there was nothing except a check and a ketter just saying your account was closed and the funds will be issued as a check. So I called them up today and I explained to the lady if thats the case you guys have to let your customers know in person as well because Im not gon na sit here and lie I didnt read the agreement but its a bunch of paperwork. So I told the lady that why are your employees telling me that there will be a reason in the mail and Im being told something different and I find it really unfair and I felt like it should be brought up to a higher up or someone that can reach out to them because I dont want nobody in the same position that I went through and next time they need to be clear about what they say and not be assbackwards. I told the lady thank you for the information but doesnt know that I will be reporting them.
Product: Mortgage

On XXXX XXXX I was notified by the buyer that they had accepted my offer of a XXXX so I emailed my lender the information he needed to begin my mortgage application. He let me know that my realtor had already sent him that information and that he would be sending me my disclosures that afternoon. However, I did n't receive them until the XXXX. He was very hard to contact and very slow at replying to emails. I was scheduled to close XXXX XXXX. I did n't receive my final disclosure document until XXXX XXXX on a Saturday. My first disclosures showed that Closing cost were overpaid by {$870.00}. My final disclosures showed that I needed to bring {$1200.00} to closing. I was confused as to how my closing cost went from XXXX dollars to over a XXXX dollars bringing my total closing costs to over {$8000.00} on a XXXX loan. I tried to get in touch with my lender but of course, as always, he was unavailable. Someone later called me that afternoon ( not my lender ) and informed me that if I did n't sign and send that day I would not be able to close on Wednesday. Closing disclosures should not be sent out on Saturday when no one is available to answer your questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are additional details to a report already sibmitted. A week before a hard inquiry was made on my report I spoke with a member from transunion customer service to ask them not to share my info with 3rd parties because it ends up on public record sites. This employee was from XXXX, and responded that as a solution to this, he would place a fraud alert on my transunion credit report and notify the other credit bureaus. This call happened on XX/XX/XXXX around XXXX XXXX. The transunion employee asked for my full name, date of birth, and social security number to add the alert to my account, which I provided. I did verify the phone number I called was a legitimate transunion business number of ( XXXX ) XXXX. On XX/XX/XXXX I received an alert of a hard inquiry on my credit report. The company that made the inquiry responded to CFPB that they received an application for a credit card named XXXX XXXX by XXXX XXXX. I contacted XXXX XXXX account protection team who confirmed that an application was indeed submitted with my full name and social security number with an out of state address different than my own. In all my XXXX  years of living on this earth nothing like this has ever happened. I do not apply for credit cards or loans as I have no use for them and have never had XXXX. The last person who had access to my personal info including social security number was the customer service representative from transunion. I strongly believe this employee may be using customers information fraudulently since he has acess to it through the company. I had not done business with anyone else in about XXXX  years regarding my social security number. This is the XXXX  time something like this has ever happened to and I don't willingly give personally identifiable sensitive information to just anyone.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS UNKNOWN TO ME I NEVER HAD AN ACCOUNT WITH THEM AND I CALLED THEM THEY HAVE NO INFORMATION FOR ME I DONT KNOW WHY IT WONT REMOVE FROM MY REPORTS XXXX AND XXXX WILL NOT REMOVE FROM MY REPORTS I HAVE NO HAD AN ACCOUNT WITH THEM THEY SHOWN IT AS ACCURATE I DONT KNOW WHAT IT IS I HAVE EXPERIENCED FRAUD. ITS PREVENETING ME FROM FINDING A PLACE TO LIVE.