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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX balance : {$70.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I was notified in a phone conversation in mid XXXX that my card was being cancelled and would not be able to use after XXXX XXXX by your customer service person on your XXXX number. My card with no warning was cancelled on XXXX XXXX. I planned to charge the {$5000.00} during the first three months so I could get the XXXX point bonus that was promised. At the time of the card shut down on XX/XX/XXXX my charged amount was {$4800.00}, {$150.00} short of the needed bonus amount. 

I never received a notice from Chase stating this. When I wrote to Chase and spoke to the representative handling my account she told me the notice had been sent to another address of mine from over ten years ago. I told her I never received the notification and had been told I had until XX/XX/XXXX as was told by their customer service rep in XXXX call. She stated their decision was final and assured me she would send the letter to my current address which they had on my account from the beginning. 

This was a total misrepresentation and bad faith as they never sent my notice until it was too late to collect my bonus. If I would have had sent the letter to my address of record which was always my address of record on this account I would have been able to make appropriate action. I was told incorrectly by their customer service in my call of XXXX. 
I have asked why they cancelled my account they said it was from an account in XXXX. I told her I had a tramatic brain injury in XXXX and was unable to continue working at the time and the company closed. I offered documentation. She stated their decision is final. I offered to pay whatever was in deficit. 

You can see the letters attached. The one sent in XXXX sent to the XXXX XXXX address which I have not be at or used in over XXXX.
Product: Mortgage

In 2008 I met a gentleman by the name of XXXX XXXX. His home address is XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX. His mobile phone number is XXXX. He told me that he was selling homes that he owned at a great price and that there would be a {$10000.00} USD profit pay-out at closing if I decided to purchase. He also advised that I contact a mortgage broker that he works with named XXXX XXXX. Her company is XXXX XXXX XXXX XXXX , XXXX. The address is XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, FL XXXX. Her office number is XXXX and her mobile number is XXXX. The first time I met XXXX, XXXX, myself, and my sister were all in her office at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX ; XXXX, FL XXXX. She and XXXX were explaining that I would generate $ XXXX to do the repairs and upgrades to the home upon closing on XXXX of XXXX 's homes that he was selling. The address of the home that I purchased and currently occupy is XXXX XXXX XXXX XXXX. XXXX never took me to the home to look around and check it out. She never advised that I should take such actions either. Still, XXXX ( the seller ) told me that the sales price would be {$170000.00} USD. Upon getting a pre-approval and an approval for an FHA mortgage from a private financial intermediary ( XXXX of who I also believe partook in this mortgage fraud ), XXXX never mentioned that I would be required to put a down payment on the home, let alone 3.5 %. I believe that a private lender financed the home and sold the mortgage to SUNTRUST BANK in addition to an inflated interest rate. Furthermore, according to the credit history, strength and income-to-debt ratio, the SUNTRUST agent should have known that it was a fraudulent transaction. I was under the false pretense that I would be receiving 100 % financing, get the additional $ XXXX to do the repairs and upgrades on the home, and have the closing cost paid by the seller. There was an appraisal conducted by XXXX XXXX from XXXX. The location is XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX, FL XXXX. Her mobile number is XXXX and the office number is XXXX. She appraised the home at $ XXXXUSD. I also believe that the appraiser inflated the value of the home in accordance to this ordeal. Around XX/XX/2008, I received a call from XXXX to come to her office. She advised me that " the bank '' was having problems approving the loan and that she would have to increase the price of the home from {$170000.00} to {$180000.00} USD in order to get an approval. I had recently signed a contract on the home for {$170000.00}. She assured me that it was n't going to make a difference because I would now be receiving the amount of {$25000.00} USD.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX main financial. I did not grant them permission to use my personal information. This is a violation of 15 usc 1681. I demand this account be deleted. This account was involved in a class action law suite involving theft of services unpaid interests payments.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Capital One has violated 15 U.S. Code 6801 - Protection of nonpublic personal information by not protecting against unauthorized access to or use of such records or information which resulted in an inconvenience to to me.

That violates 6801 ( b ) 3 and USC 6801 ( b ) 1 because they didnt insure the security and confidentiality of my records and information ; They also violated 15 USC 6802 by reporting late payments to my credit report that also caused adverse actions which is yet, another violation.

They violated 15 U.S. Code $ 1666d - Treatment of credit balances as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX and XXXX XXXX credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account and used it to pay for different things like XXXX rides, doordash, XXXX, and a few other things. I never kept a balance but I had my debit card linked to my account so when I paid with PayPal they would debit my card. I used my account like this for months. No problems what so ever. Then I sell my buddies dad a track saw. We each drive about an hour to meet up and make the transaction. He ends up forgetting to bring his wallet, so instead of rescheduling and wasting the trip we both made, he asks if I have PayPal. I told him I did so he sent me the money thru PayPal. They immediately put the 21 day hold on the money. Even tho my buddies XXXX called and told them he already had the saw and told them he agreed that he waived his right to dispute the transaction. They lied and told him I already had the money. He knew they were lying and even told them so. They doubled down telling him that I was in possession of the money so he didn't need to worry about it. I called PayPal and asked them why they would tell him that knowing good and well I couldn't touch the money for 21 days. So the XXXX day comes around and I get an email saying that my account was permanently frozen and that my money would be held for 180 days. So I contacted them and asked what it was about and why they waited months of letting me use my account but the second I get a few XXXX dollars in there they decide I did something wrong. They're so full of it. They claimed I violated their user policy by logging in using a VPN or anonymizer app as they call it. Once again they are full of it. I've never logged in using anything like that. They then tell me that they have another account with the same name and address that owes the money. Now by this time I've done verified my identity with them twice while my account was still working. They had no problem with it I let them know that I had my identity stolen and that that isn't my account that owes them money. They never got the social security number for that account tho. Anyone can use a someone else 's name and address and make a PayPal account but they couldn't prove it was me. Because it wasn't my account. So at this point the XXXX or supervisor or whatever sends me an email trying to explain why I can't get my money out for 180 days. Then proceeds to blackmail me saying " well if you were to take care of the account that owes us money we could get your money release to you. So they're blackmailing me to try and get pay off an account I don't own just to get my money back from them. Very unprofessional PayPal. See what PayPal does is when you keep your money in your PayPal account it's earning interests. So by freezing accounts with a couple XXXX dollars in it they are making millions in interest. Because when you sign up you sign away your right to the interest your money is making them. How they are still allowed to do this is beyond me. I guess they make more money stealing people 's money y than they lose in the court cases they keep losing. I want this to be investigated and PayPal to be held accountable.
Product: Checking or savings account

In the early morning of XX/XX/2023 I was assaulted & robbed by two man in XXXX XXXX, NV. 
They stole my wallet with all cash, cards & ID 's. 
That same morning they used my card to make a bunch of charges at XXXX XXXX 
All of them {$49.00} & below. Non of the charges above {$50.00}. 

I filed a report with the Police on XX/XX/2023 ( attached is the Police Report, Pictures & Charges made to my bank account ) from the injuries from the assault ) I went to the Chase office in XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX & provided the police report to Chase. 

On XX/XX/XXXX Chase refunded the money for all the purchases made with the stolen card. 
But few days later on XX/XX/XXXX, the bank subtracted again all the money they had refunded me for the fraudulent charges. 


Chase now tells me that the purchases were made using my PIN number but that is not possible. 
They are telling me that it is impossible to use the card without the PIN number. 
The bank is not being truthful. Contactless payments don't require PIN number. 

I have the feeling that the reason all the charges were below {$50.00} is because most likely they were using the cards for TAP TO PAY and there must be a limit of that amount for contactless purchases without requiring a PIN. 

That is a obviously an issue with lack of security of the card & the bank.
Product: Debt collection

I had several visits to XXXX XXXX XXXX for medical treatment. I paid the invoices in installments and I believe paid in full. I received a notice from Atlas Financial Services, XXXX XXXX XXXX, XXXX, WA XXXX advising my account had been assigned to them for collection of {$260.00}. 

I disputed within the 30 day time frame as I my accounting indicated I had paid XXXX   XXXX XXXX in full and needed documentation verifying the debt. On XX/XX/19 I received a letter from Atlas indicating that I had to sign a form waiving my HIPAA Privacy rights to give Atlas access to my medical records. I refused to do so and do not see any reason I would have to provide access to my private medical records in order for them to provide evidence I owed the debt. 

I did not hear back from Atlas until today, XX/XX/19, when I was served in XXXX County Oregon for {$250.00} + {$55.00} + {$45.00} in fees. I will pay the full amount to make this all go away ; however, Atlas Financial Services did NOT provide me any documentation validating the debt and therefore violated the Fair Credit Act.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover inaccurate accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the errors persisted. Given this situation, Im requesting that the documents Ive sent be reviewed carefully so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I disputed an account from XXXX ( Account XXXX XXXX ) who are reporting to TransUnion, XXXX, and XXXX. I claimed the account was being reported as inaccurate and incomplete and after 30 TransUnion, XXXX, and XXXX sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX. Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches TransUnion continues to report. I've also attached supporting documents. 

Reports account closed on XX/XX/XXXX on lender and disclosure credit report o XXXX reports XX/XX/XXXX o XXXX Missing info Reports Charged off date before account closed date o Reported Charged off date XX/XX/XXXX o Reported Date Closed XX/XX/XXXX Charge off date doesnt match with XXXX o Reported Charged off date XX/XX/XXXX o XXXX reports Charge off date on XX/XX/XXXX Payment history for XX/XX/XXXX XXXX match with XXXX o Reports 60 days late o XXXX reports Charged off Payment history for XX/XX/XXXX doesnt match with XXXX o Reports 30 days late o XXXX reports 60 days late Date of last activity does not match XXXX and XXXX o Reports XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX From the evidence above, TransUnion, XXXX , and XXXX can not be verified as accurate therefore TransUnion is in violation of 15 U.S. Code 1681e ( b ), which they are not assuring maximum possible accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint about this before per my attached documentation I am a us citizen with a ssn and have recently viewed and used credit. the company 's response to incorrect information was I am not a us citizen with a ssn. I have items on my credit report that are fraud and they will not remove the item even with the court order attached. 

XXXX XXXX XXXX is the account i need removed from my credit
Product: Debt collection

debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported inaccurate information on my credit file and shared it with TransUnion and XXXX. Attached you will find the letter from XXXX clearly stating the Bankruptcy placed on my file is unverifiable. Also XXXX advised the data being reported as unverifiable. Please have them to remove the inaccurate data immediately please. Attached you will find the letter from XXXX clearly stating the Bankruptcy is unverifiable and removed from my file.
Product: Checking or savings account

Chase bank suspended my account in XXXX without mailing me a check, its been three mouths now. They withdrew my money left in the account to Chase Claims Department without my permission. And they did not give me an approximate time for when Ill be able to get my money back. Im in a hurry for the money and if they dont give me an answer, then Ill go to the police department to accuse them on the court.
Product: Debt collection

Debt was disputed online, Merchants & Medical sent me an inproper validation of debt with no signature or original contract from the XXXX XXXX XXXX which is the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit report under the account name XXXX XXXX XXXX XXXX ( Account # XXXX ) **. This account is inaccurate and I request its removal under the Fair Credit Reporting Act ( FCRA ). 
The details of the account are as follows : Original Creditor : XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/year> Under the FCRA ( 15 U.S.C. 1681 ), all information on a consumer 's credit report must be 100 % accurate, verifiable, and complete. I believe this account fails to meet these criteria for the following reasons : 1. Lack of Proper Validation : As required under the FDCPA ( 15 U.S.C. 1692g ), XXXX XXXX XXXX must validate this debt. Please provide documentation proving the validity of this debt, including the original signed agreement with XXXX XXXX XXXX. 
2. Reporting Errors : If this account can not be verified within 30 days as required by FCRA 611 ( a ), it must be corrected or removed immediately.

3. Possible Duplicate or Fraudulent Entry : I have no recollection of this account and suspect it may have been added erroneously. 
Please investigate this account and provide documentation supporting its accuracy or remove it promptly. Include the following in your response : Documentation validating the debt. 
Proof that XXXX XXXX XXXX has the authority to collect this debt. 
Evidence that the account reporting complies with FCRA guidelines. 
I also request that you notify me of the outcome of your investigation within 30 days as required by law. 
Enclosed are copies of my identification ( government-issued ID and utility bill ) and the report highlighting the disputed account for your reference. 
Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash app ( Block , Inc ) due to their inadequate customer service and unfair business practices.Which violates 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: Credit reporting, credit repair services, or other personal consumer reports

i have called Apple Card over 8 times trying to resolve this matter. I even was about to start a Lawsuit against them but was told try this first I have a police report this is going to be attached about this account why its not mines.
Product: Debt collection

Texting me about a Debt. 
dont know what they wont. 
i dont owe these folks nothing at all
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.