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

On XX/XX/year> I pulled my credit report and noticed that there is multiple fraudulent accounts listed on my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX these accounts do not belong to me. I have never signed any documents agreeing to have my information shared with these companies. According to 15 USC 1692g ( a ) I was suppose to be notified regarding the furnishing of these alleged debts however I never was which resulted in these accounts being listed fraudulently. I have filed a FTC report along with providing my photo Id I want these items investigated immediately because I am in the process of becoming a homeowner and these items are causing sever damage to my creditworthiness. If any proof can be provided then it must have my wet ink signature on a legally binding contract otherwise I believe that it can be fabricated by the culprit who stole my identity to open these accounts.
Product: Money transfer, virtual currency, or money service

We opened an account with Square. Accepted the payment from a customer {$3600.00}. A customer is a brick-and-mortar business ( XXXX XXXX ) located in California. They paid via ACH through their account with XXXX XXXX. Nothing shade or suspicious, right? That's what we thought. We were wrong. Promptly, Square put the account under " investigation '' refusing to either release the money ( move it to our checking account ) or, at least, refund it back to the customer. It's been weeks and weeks. No way to reach Square - except chat with their bot or send an email. After we complained on social medica about their predatory behavior, Square closed our account ... while still holding the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to Zwicker law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..
Product: Debt collection

Hunter warfield is a predatory lender for the XXXX XXXX  XXXX in XXXX, Mississippi. I have half a dozen people that can give character statements and completely testify in a court of law that they witnessed their property manager. Cutting the locks off of my door for no reason going in my house, harassing my mother, that is XXXX, threatening to have my children taken away, all with my rip being current and paid. She was a XXXX XXXX XXXX XXXX XXXX XXXX ashamed to be called a human or woman and never once notified me of damages or court and never have been able to provide proof of their allegations but because they have the ability they lie to the federal government and hinder and ruin all persons lives they are able to.
Product: Money transfer, virtual currency, or money service

I received a call from someone claiming to be from XXXX  XXXX bank. Everything sounded so logic, he gave me his employee number and call log reference and even told me the call was being recorded. He then stated that he sees someone just took XXXX from my account and asked that I log in my account to confirm. I did so bc I mentioned I did not authorize that. When I logged in they were somehow able to login to my account and send money to themselves. They then proceed to say it looks like I've been hacked bc they see my chase having another XXXX charge and XXXX. I was so worried and stressed so I opened all account and in total they stole {$8000.00} for all XXXX account. As I had them on the phone I drove over to chase bc something didn't seem right and asked them to speak to the cashier and they hung up. I immediately reported them to the Chase since I was there. I then went to the police station to report it. Then went to my XXXX where they said they see that the XXXX transfer was somewhere else in the XXXX so they returned the money. I then went to XXXX  XXXX and with the information from XXXX  they returned the money. When Chase called me asking for the police report I sent it and gave them the information from the other banks. they still denied me the refund so I appealed 2 times and still was not able to get the refund. they say that since I logged in on my phone that the they can't tell if it was me or someone stealing from me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Equifax has wrong information on my credit report to XXXX  XXXX. Report hasnt been updated since 2015. Furthermore Equafax still has old credit that should have been dropped off. They have my credit score so low for what I have been paying to improve my credit but yet has not given me a fair score. There is a report for XXXX for a vehicle that I had co-signed for that has been charged off because the creditor had picked up the car and resold it for their money back. So they wrote it off. Equafax also is reporting a collection that is a repeat collection with 2 different amounts from XXXX one for {$120.00} and the other for {$110.00}. From years ago. This is still reported on XXXX XXXX.
Product: Debt collection

A collection was added to my XXXX I dont know where this debt came from original creditor is XXXX XXXX XXXX XXXXXXXX and I have never dealt with this company it is now with collection bureau of A. Amount XXXX acct # XXXX this debt need get removed off my credit report because this is harming my credit this account has violations no accurate data or proof on where debt came from
Product: Money transfer, virtual currency, or money service

I have used 2 PayPal personal accounts to purchase certain online services and content, to receive a reimbursement from my workplace. 

I have never filed any IDs to open and close my PayPal accounts. However, PayPal started to force me filing IDs to keep the account created under the email account XXXX. 

I replied to them that I would prefer to close the account if I need to file extra IDs. Then, they shut down my another account XXXX without requesting any ID check. 

I contacted them to file a complaint as they shut down the wrong account, but I received no answers on this issue. Instead, I received a message from PayPal agent, XXXX, on XXXX XXXX XXXXXX/XX/, that I still need to file IDs either to keep or to close the account. 

In terms of the account safety, I believe my account should not be left only with certain limitations on. I would like to request PayPal to close my account properly.
Product: Debt collection

US Collections West sent paperwork to my employer to start garnishment of wages on a debt of {$1900.00} on XX/XX/2019. The Debt in question is not mine and I filled a motion with the judge on XX/XX/2019 to vacate the judgement. On XX/XX/2019 the judge ruled that the debt was not mine and ordered a stay of the garnishment and a release of all funds. I called the Collection Agency on XX/XX/2019 and was asked to call back. I called back on XX/XX/2019 and was transferred to my case manager XXXX XXXX. I asked when funds would be released and he stated funds would not be release because the judgement was invalid and they were not served. He then said I would have to take them to court because they were not releasing the funds. I would like to know why US Collections West is not following the court order and keeping the money wrongly garnished from my paycheck. I understand they have a client to protect but they are coming after the wrong person. I submitted a complaint to the XXXX and they are saying they have no knowledge of the court proceedings. I have sent them several copies of the court documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

banks reporting wrong as the insurance on these accts paid the acct in full but the banks are still reporting falsely these accts should be deleted as it is fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 6. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX 7. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

8. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

9. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
10. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on XX/XX/2020 in regards to an inquiry from XXXX on XX/XX/2020. I called XXXX to ask what was going on. The representative stated that the inquiry was soft and was pulled in relations to a potential credit line increase on my existing XXXX card. I told the representative that was false and there is indeed a hard inquiry on my credit file. She then stated that normally they don't pull credit for increases, only for new credit. Then after being put on hold she then says that the inquiry was something I authorized. I told the representative that I am currently in the home buying process and I would not authorize an inquiry knowing it would jeopardize my chance of qualifying. She stated that I should contact TransUnion to dispute the inquiry. 
I contacted TransUnion to tell them what happened and they refused to dispute the inquiry stating that it is " factual ''.
Product: Money transfer, virtual currency, or money service

Im a filing A complaint against cash app ( Bloc 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 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 cause significant inconvenience and financial loss, and i seek appropriate redress.
Product: Money transfer, virtual currency, or money service

My Venmo account has been nothing but trouble for a long time in a variety of ways that I am not complaining about here. 

So I told Venmo I wanted to cancel my account. It opened a problem ticket, and only after some days sent a link by which to cancel the account. But then that link refused to cancel because my account was being investigated, which Venmo clearly orchestrated to make it difficult or impossible to get rid of the account. 

All I want from Venmo is to get my account canceled, because I want no more to do with this outfit.
Product: Debt collection

This account is reporting inaccurately because they are reporting against my wishes in general.You did NOT offer me this option at no point. 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 US code 6803 states At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. 
15 US code 6801 ( a ) Privacy obligation policy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguard In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
This debt was charged off. I never received the 1099C for this debt. Please provide me with the Assignment Contract of the Debt showing you have the right to collect on this debt. Since you did not offer me the opportunity to OPT out, you did not provide me with a clear disclosure. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government?
Product: Credit reporting, credit repair services, or other personal consumer reports

Larry Miller XXXX, XXXX, accessed my credit report, while i was not even in the loan process. Neither I was present at the dealership while my report was pulled. When I brought it to their attention, they did not disclose the whole truth, and told me they never got my credit score. However it is showing in my credit report that a hard inquiry was made by XXXX XXXX on my credit. They told me they were trying to pull credit score for another individual, which name does not even remotely match with me. ( We have the same address, but i dont think that should matter. ) They told me that person 's social security number is similar, thats how they got my credit report by mistake. After verifying with the person whose credit they were supposed to access, his social security number is not even close to mine. I asked them how did they got my credit report, they told me its a system error and they " apologize ''.
Product: Credit card or prepaid card

Been trying to get a hold of someone in customer relations with Regions for several months. The hold time is always above 40 minutes and has been extremely difficult to get in contact. I do not live close to a branch so this would be my only form of communication. I tried their online web chat as well trying to talk to a real person and over an hour went by with no response. I have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  so I have not received any mail. I also have no received any calls to make me aware of card cancellation. I've never missed a payment in 7 years and since they are too hard to get a hold of they didn't send me proper paperwork to inform me the card was closing. They call all the time about promotional products or late payment but no phone call for major account changes? Seems deceptive to me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that has been reported under my name with XXXX XXXX XXXX XXXX. This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive verification of any accounts reported in my name. Your inability or unwillingness to provide this evidence raises serious concerns about the legitimacy of this account. 
To resolve this matter, I request the following : 1. Immediate removal of this account from my credit report. 
XXXX. A detailed investigation into the origin of this fraudulent account. 
XXXX. Copies of all original documentation, including signed agreements and applications, associated with the account. 

Please note that failure to respond adequately to this dispute may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. I also reserve the right to pursue legal action to protect my credit and financial standing. 

I have enclosed copies of [ any supporting documents, such as your ID, police report, or prior correspondence ] to assist in your investigation. This letter serves as formal notice of my dispute, and I expect your response within 30 days, as required by law.
Product: Credit card

XX/XX/XXXX an ATM didn't dispense my {$300.00}. Tried calling ATM phone number and they hung up. 
Filed a dispute with Chime for the {$300.00} because I didn't receive any money from the ATM. 
They are refusing to follow Regulation E as is required by law. They keep telling me they 60 to 90 days take care of it. 
I'm XXXX and that {$300.00} is all I had to pay my rent. Chime gets XXXX about me complaining
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, XXXX   XXXX
Product: Credit reporting

XXXX funding is currently reporting an old XXXX collection account 120 days late as of XXXX 2015 on my credit report. I have never made a payment on this account with XXXX therefore i can not have a payment history nor did I sign a contract with the original creditor. I called midland to dispute this information and I was told they do not report as late on credit report. I disputed the inaccurate information with Equifax and equifax said that XXXX validated the information. XXXX and equifax refuse to move the 120 day late on XXXX 2015. I have been back and forth with XXXX and Equifax and neither are helping. It is my understanding that collection agencies are not allowed to report monthly late payment history therefore I would like this deleted from my credit report because it is inaccurate. I would like XXXX and Equifax to provide me with all documents relating to this account, all payment history, original contract and NOT use the XXXX verification process as it is not detailed. I am attaching files showing that XXXX did indeed report the lateness andit is not accurate. This has been causing me numerous problems and I would just like to get it settled
Product: Credit reporting or other personal consumer reports

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the XXXX XXXX " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.
Product: Debt collection

A student loan through the XXXX XXXX XXXX XXXX Loan Type Acceleration Date Payoff XXXX Assigned Collection Agency Agency Phone Number XXXX XX/XX/2023 {$5200.00} General Revenue Corp ( GRC ) XXXX Total Payoff Due {$5200.00} Is a federal student loan. 

I have told them not to call me anymore so they have called my brother without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stared my mortgage forbearance payments on XXXX, i tried reaching out to my mortgage company to resume payments, which ever i wasnt able to this was on early XXXX, as I seen the interest rate drop i had a refinance team look in to my mortgage account and said i was able to refinance, all processed 1 week before closing my refinance my mortgage decided to take me off the payment forbearance plan and report to my loan as 180 days late, that dropped my credit score over 160 points, my refinance team advance me to try and work with my mortgage company which i did and their reasons for all this is that they tried getting contact me and where not able to, i asked if tha could work with me and removed me from being delinquent but they are not willing to work with me, i even asked if i pay the amount you reported me late which is XXXX something and the representative said there was no way i would have to pay the whole amount of XXXX. I dont understand why are they being so difficult, i have until the end of this month if im not able to get my mortgage loan to remove or work with me on this issue i wont be able to refinance nor pay my past due.