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

The credit bureaus XXXX, XXXX, and Equifax are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}.
Product: Credit card or prepaid card

On XX/XX/2017, I received an email from XXXX XXXX that stated " Spend {$5000.00} between XX/XX/XXXX XX/XX/2017 and get a {$150.00} bonus statement credit for purchases. '' I spent over {$5000.00} within the allotted time period and have not yet received my credit, despite meeting all of the conditions. I have tried requesting several times through chat on their credit website to resolve the issue, but the issue has not been resolved.
Product: Credit reporting or other personal consumer reports

I am an employee and a victim of systemic XXXX abuse in XXXX XXXX, and I believe either XXXX XXXX, XXXX a group within XXXX, or an adversary paid by XXXX or XXXX is restricting my access to financial resources that I need in order to seek asylum in XXXX XXXX. I believe my credit score information provided by Experian and XXXX is inaccurate due to interference from the employer. I reported this issue with XXXX and Experian multiple times and they are not responding to my report. I am a paying Experian and XXXX customer. I currently pay for identity theft protection and part of that service should include protecting my credit score information from employer or other adversary interference. I am looking to sue XXXX XXXX and XXXX  I believe that these organizations are doing everything in their power to restrict my access to adequate health care, financial services, and legal services. I have evidence to support these claims, and am asking for help in order to get fair access to financial resources like a small personal loan to be able to move my stuff to XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS, these accounts are not mine. Aso, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2000 XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX XXXX XXXX XXXX SC XXXX I have never resided at : XXXX XXXX XXXX XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX account # : XXXX Condition : Closed Balance : {$0.00} Type : Auto Loan Pay Status : Current XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff 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
Product: Credit reporting or other personal consumer reports

COMPANY : EXPERIAN. 

Inaccurate & false reports. 

My credit score has been gravely affected behind these acts.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to appeal this decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies or engaged in any activity that would warrant the permanent limitation of my account. I have been a loyal and active user of PayPal for many years, and I have always ensured that my account complies with PayPal 's policies and guidelines. 

Given my clean record and my compliance with PayPal 's policies, I strongly believe that the limitation on my account was placed in error. I would like to request that PayPal re-investigate my case and restore my account if possible. I understand that PayPal has a duty to ensure the security of its platform and to prevent fraudulent activity, but I firmly believe that my account does not pose any such threat. 

I kindly request that you take a fresh look at my account and reconsider your decision to permanently limit it. I am confident that a thorough investigation will reveal that my account is in full compliance with PayPal 's policies and that the limitation was placed in error. 

I appreciate your attention to this matter and your prompt response. I hope that we can resolve this issue amicably and restore my account as soon as possible. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting

This company is illegally reinserting previously deleted items that were inaccurate on my credit file. They did not investigate the proper items I requested, but instead decided to reinsert not within the proper time frame allowed by law, and they did not notify me of doing so. They are also blocking my credit file from any government agency, and 3rd party and sight that it is for " credit file integrity, '' which under no statue of the FCRA does it state that they have the legal standing to do so. I would also request that they pull my credit file out of the office of consumer affairs because once again there is not legal standing for which they are holding my credit file hostage. I have spoken to my local states attorney and this is not resolved in an amicable way, My next correspondence will be coming from the circuit court in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I wrote to this company TWICE. My first was a letter dated XX/XX/XXXX. My second letter was dated XX/XX/XXXX. On both occasions, I filled up and submitted an FTC affidavit and had them notarized and sent this company a copy of the notarized Affidavit. On those dates, I also did the same thing with XXXX and XXXX. On both occasions, BOTH XXXX AND XXXX, REMOVED THE UNAUTHORIZED, FRAUDULENT INQUIRIES I disputed. TRANSUNION REFUSED TO remove these unauthorized, fraudulent inquiries. If they did investigate, they will not ask for additional information. I sent them a letter twice and a notarized FTC Affidavit containing the list of the fraudulent inquiries and dates. They blatantly violated FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit reporting

BRCLYSBANKDE Shows as a hard inquiry I have not authorized any credit checks with this or any institution. Please investigate and remove this inquiry that is negatively impacting my score. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered an item from XXXX. I paid $ XXXX via Paypal XXXX I immediately received a notice from XXXX that the item I ordered was out-of-stock. The retailer also refunded the purchase immediately. 

Days later, the refund is still not available to me. I contacted Paypal twice to request that my funds be credited back to my account. I was told that this is not possible. 

Paypal now has a " hold '' on the refund, and is refusing to release the funds until XX/XX/XXXX.
Product: Credit card or prepaid card

This unauthorize and fraudulent transaction happen on XX/XX/2020. 
I had a cash app account, someone or something cash out at XXXX XXXX XXXX  at XXXX XXXX  a total of {$870.00}, which was everything I had in the account. I kept contacting cash app support their not help at all. I contacted the XXXX XXXX XXXX and the best thing they told me was to contact C.F.P.B. I let them know i do not and never have an account with this bank.
Product: Debt collection

Someone took out a loan from Koalafi for tires and received the product in my name through identity theft. I contacted them and was told they would report it to their fraud department and took my information. The person hacked in to my XXXX XXXX bank account and had the company take out an installment payment. I reported it to my bank and I closed my account and bank returned the money to me. I got an email today from Kolafi that it is going to collections when I had notified them of that being a fraudulent account.
Product: Mortgage

Three years ago I received assistance to pay my mortgage for 2yrs. This should have ended XX/XX/XXXX. My mortgage company stated I was behind because I didn't pay XX/XX/XXXX. I determined that the last few months or so of the assistance the mortgage company Ditech increased my mortgage. I was unemployed and fell behintd on my mortgage. I asked for a modification and qualified. In XX/XX/XXXX I received loan modification paperwork from Ditech. I was able to make my 3 lowered monthly payments on time and qualified for the  modification. I completed the paperwork and sent it back to them. I never heard anything from them. This concerned me. I attempted to call them to speak on the matter. I was continuously transferred to different people and voicemails. XX/XX/XXXX I received a notice that they were going to foreclose on the home. I called and after being transferred 3 times I spoke with a young lady who was able to assist me. She stated that my modification paperwork was incorrect that my notary signed in two places. No one called or sent documentation to inform me of this mishap. I was unable to make a payment because I was not sure how much to send. The young lady sent a second set of papers I completed them and mailed them back. The young lady stated the amount I should make my future payments for. She stated that Ditech was at fault by not contacting me to advise of the incorrect paperwork. I called XX/XX/XXXX a month after sending the documents back and spoke with XXXX. I received another foreclosure letter. She asked why it took 3 months to send the modification paperwork back. I advised her to review the notation. She apologized and said that Ditech was working on the issue and was waiting for XXXX to agree to the terms. That XXXX was backed up and they could not proceed forward without them. She also advised me to disregard any foreclosure documents sent because it will take a minimum of a month to process the modification. On XX/XX/XXXXI received another foreclosure notice. I called and could not get anyone until XX/XX/XXXX. I spoke with XXXX who stated I should review XXXX hosted by XXXX XXXX. I advised that I wanted to speak to someone about loss mitigation. I had a representative named XXXX. At this point I do not know where I stand. I am unclear if they are going to attempt to foreclose on the house. The initial loan modification didn't occur due to their negligence. I feel they want my home and a purposely not assisting to ensure they have the property. They hard to reach, uncooperative, elusive, and do not return calls or voicemails. I truly feel that others must be experiencing the same issues with Ditech Home Loans.
Product: Payday loan, title loan, personal loan, or advance loan

I agreed to be a Co-Signer for my husband 's car loan. I am retired and my income is from Social Security and Pension. I presented proof of income statements from both my Pension and Social Security however the Loan Consultant for Lendmark Financial Services still demanded I present a copy of my checking account monthly statement to show a receipt of my pension payment. I did not think this was legal or necessary however, to avoid having my husband 's loan application being denied, I presented a redacted copy.
Product: Credit reporting or other personal consumer reports

I pulled my reports and saw some fraudulent hard inquiries on them and I need them removed immediately\
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a late payment that appears on my credit report provided by XXXX. Despite my efforts to resolve this matter directly with the credit agency, I have not received a satisfactory resolution. 

The late payment in question is associated with the account from XXXX XXXX XXXX ( or the exact name of the entity, if different ). Although I made the payment on time, it is being reported as late on my credit report. I am seeking to correct this inaccurate information and have the " late payment '' entry removed from my credit history. 

Details of the Dispute : Name of the entity : XXXX XXXX XXXX ( or other entity ) Date of the payment reported as late : [ Exact date of the payment ] Amount involved : [ Amount ] Account number : [ Account number ] Reason for Dispute : I made the payment within the required timeframe, but it is incorrectly reported as late on my credit report. I have attempted to resolve this directly with XXXX, but their investigation results indicated that the information reported by the creditor is correct, which I believe to be an error. 

Given the situation, I respectfully request that the CFPB intervene and assist in removing this incorrect information from my credit report. I would also like to know what methods and verification processes XXXX used to verify the accuracy of the reported late payment. Please provide the specific details of the process and any supporting evidence that was considered in the investigation. 

Furthermore, I would appreciate it if you could confirm whether any laws or regulations protect my rights in this matter. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information and ensure that their credit reports are accurate. I trust that the CFPB will help facilitate a resolution in line with these protections. 

Enclosed are the relevant documents supporting my claim, including previous correspondence with XXXX, as well as any other evidence that substantiates my dispute. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution and remain available for any additional information or clarification you may require.
Product: Credit reporting or other personal consumer reports

I'm not aware of these account please delete : Account # XXXX for ALL : DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX
Product: Credit card or prepaid card

There are a few problems Late Fees - I attempted to get a waiver on a late fee via customer service back on XX/XX/2018. I missed my payment by a day and apologized. This was my first time ever being late and asked for the fee to be removed. I was told no. Generally with most cards they will waive a late fee. 

Charges - There was a recurring charge that I notified them on in XXXX that should not have been approved. This charge caused my account to go over the limit. I notified them in XXXX via email to not approve any charges while my account was over the limit they continued to do so
Product: Debt collection

I received a collection notice from XXXX XXXX, XXXX XXXX XXXX XXXX. The amount is {$590.00}. The creditor is Uplift and XXXX. 
I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. 
In XXXX of 2021 I noticed that Uplift had been taking {$51.00} a month from my XXXX account. 
I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. 
I have been unable to get any clarification from Uplift or XXXX XXXX as to what this debt is, therefore I assume this is a fraudulent claim.
Product: Credit reporting or other personal consumer reports

I recognize the progress made in correcting my credit file, but some errors remain. As stated in my earlier complaint, unresolved inaccuracies will prompt me to involve my attorney for legal action. This message follows up on my previous complaint. To prevent further action, please adhere to legal requirements and remove the following unauthorized items : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX  XXXX Balance : {$4900.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}. If you claim these items are correct and can be verified, provide documentation bearing my signature for these accounts. Without such documentation, I demand the immediate removal of this information from my credit file. You have 4 business days to remove any items related to identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Money transfer, virtual currency, or money service

Dear Sirs, I went to XXXX XXXX XXXX money transfer agent which located in XXXX XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX to mail {$2200.00} to my account in XXXX. But until now I'm not get the money, i complaint right now, please supervise XXXX XXXX XXXX and Sigue Corp. transfer my money to my account which i gave to them and help me get my money. 
All documents in the attachment You are appreciate and looking forward reply! 
Best regard! 
XXXX