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

I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on myXX/XX/XXXXaccount in XXXX 2020. I requested that XXXX XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.
Product: Debt collection

common wealth financial is falsely reporting collections on my XXXX, XXXX, and XXXX. I received a response stating they can't even find me in their system but how are you falsely reporting information to the bureaus? Claiming XXXX dollars is owed to them and I have never heard of this company before this past week. I gave them the account number on my profile and they can't find it in their system so how are you reporting false information damaging my credit scores???
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1100.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt,
Product: Credit reporting or other personal consumer reports

The credit reporting agency Experian is in violation of 15 USC 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to any credit agency to report my nonpublic personal information. 
Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal, or non-verbal to report my nonpublic personal information. 

XXXX XXXX XXXX violates the Privacy Act of XXXX as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX, XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every thirty ( 30 ) days which XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. 

XXXX XXXX XXXX violated the terms and conditions within their banking agreement because XXXX XXXX XXXX states that they do not provide consumer information to third parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX XXXX ALSO unlawfully sold this debt to a third party AFTER the debt had already been tendered in accordance with UCC 3-603 et al. I have never had a contract or agreement with any third parties and I do NOT consent to them reporting any account to my credit report. I am invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of XXXX et al. Please see 15 USC 6802 B ) OPT OUT below. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations All Charge off 's are certificates of indebtedness, which is considered income and must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed letters to XXXX, XXXX, and Equifax on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion suspended my online account for some reason and will not unlock it. tried calling and it looks like they blocked me from calling as well. i called about XXXX different numbers and still blocked. not sure whats going on
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an auto loan account from XXXX XXXX XXXX XXXX ( {$5700.00} ) on XX/XX/XXXX, an auto loan account from XXXX XXXX ( {$0.00} ) on XX/XX/XXXX, a collection account from XXXX ( {$1800.00} ) on XX/XX/XXXX, a collection from XXXX XXXX XXXX XXXX ( {$800.00} ) on XX/XX/XXXX, and a collection account from XXXX ( {$1300.00} ) on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

PayPal closed my account and is holding my funds with no explanation on why. 
I have tried contacting them many times, giving me a run around. 
I have never heard of a bank for no reason holding funds for 6 months. This is not a US bond. 
I want my funds back now from PayPal.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a. Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXXXXXX XXXX  failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timeless access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Checking or savings account

CHASE BANK COLLECTING AND HOLDING MONEY ILLEGALLY AFTER LOCKING ACCOUNT My chase account over 15 years was hacked. When I noticed the bank had moved {$3000.00} from my checking to savings I immediately moved it back and changed my user name and password. The following day the bank said it prevented a {$1000.00} dollar withdrawal and another for {$200.00} +. 
The Bank then locked my account and told me to contact the fraud department, which I did. After an hour of verifying who I was the fraud manager told me to contact another number to set up a new account the next day. I followed his advice and was told they would not open another checking and savings account for me, and that I had to come in to a local branch. I retired overseas 8 years ago and have thus far transacted all my money transfers online. The cost of flying back to the US is prohibitive since I live on {$700.00} social security and {$300.00} XXXX veterans pension. 
My XXXX year old mother was a signer on the account and held a complete Power of Attorney, which chase refused to accept in order to open a new account in my name. So chase opened an account in her name with my social security checks and VA XXXX checks going into her account WITHOUT MY PERMISSION. And even now chase refuses to allow me access to my own money going into another persons account. That should be illegal, if it isn't already. This situation really needs to be remedied ASAP. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth with Credit Acceptance Corp for over 8 months regarding the same issue. They are reporting my account as closed and charged off when I am still making payments and my account is actually open. They also have my account showing that I was repossessed when my car was NEVER repossessed. For over 8 months I have disputed both those claims, I have spoken to over 10 supervisors, I have spoken to legal, and I have requested to speak to the credit reporting department over 15 times in which they claim that there is no number for that department. Each time I disputed the account and also faxed them over my credit reports showing that my account is being reported as closed, they responded back to me stating that everything is accurate when it is not. 

This is not only destroying my credit, but it is also hindering me from getting refinanced, a new car loan, or even obtaining any type of credit. This is all due to improper credit reporting and they choose not to rectify it with proof provided.
Product: Bank account or service

Bank of America reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems bank of America will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.
Product: Student loan

Aidvantage has changed my payment plan three times. First it was XXXX, then XXXX. Now they are saying my monthly payment plan is XXXX. I applied for the IDR on XXXX XXXX XXXX They calculated my monthly payment at XXXX dollars a month. I then filled one out on aidvantage and at first it said XXXX dollars a month. They switched my monthly payment today, while their office was closed. With payment due Sunday, I have a family and can not afford a XXXX payment. From my understanding the standard student loan payment plan is over a 10 year period, and so is the XXXX plan. With this new payment plan it is showing I will have it paid off in 10 months. They have miscalculated somewhere, and I can not get a hold of them to fix it. Now coming monday I will most likely have a negative impact on my credit score because I can not afford this outrageous payment. I am considering getting a lawyer as well. I have been very stressed regarding this whole incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

On XX/XX/2018, I sent written notice to Automated Collection Services Inc. ( ACSI ) via certified mail in winch I required ( ACSI ) to  cease and desist from contacting me or my family members in this and any related matters unless it was by United States Mail. 

I have phone records showing multiple calls from ACSS after my XX/XX/2018 letter. 

This is debt collection abuse and harassment. I believe Automated Collection Services is violating my rights under the federal fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the best of my knowledge, all of the above inquiries are fraudulent as I am a victim of identity theft because I did not make these hard inquiries, and I would like them terminated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed it wasn't reporting accurately. I had XXXX late or missed payments on the account that has in fact been paid on time and up to date. The consumer repporting agencies have a need to report all info with complete accuracy. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late or missed payments. If this info can't be verified I demand these payments be updated to paid on time, paid as agreed, or ok immediately. Thanks in advance for your understanding and prompt action. ( b ) Accuracy of report 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.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Debt collection

Date : XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  CC : XXXX XXXX XXXX   Consumer Financial Protection Bureau Federal Trade Commission Georgia Office of Attorney General XXXX  XXXX  XXXX XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX  To : 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX  RE : Failed to respond to FACTA ACT FCRA 623 Letter Tracking number XXXX CFPB / Complaint Number XXXX XXXX XXXX on XX/XX/2018 I sent a FACTA ACT FCRA 623 letter via CFPB ( XXXX ) and certified mail with return receipt tracking number XXXX. As of today, it marks 30 days with no response, as per my letter I granted your offices 30 days to respond and your offices have failed to provide documentation that was demanded. With that being said, Ill allow you to go ahead and prepare a letter on your companys letterhead stating that this item be deleted at once and this deletion request must be forwarded to all three of the major credit bureaus and all parties carbon copied up above in this letter no later than 30 business days. My attorney will also will be awaiting a copy of the deletion request to be forwarded to his offices as well. Your immediate cooperation is needed at once.

Best Wishes XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these account as these are not mine and never will be. I coordinated with them and give them everything but they're not removing this as per FCRA 605B, these accounts must be removed.
Product: Debt collection

I am a federally protected consumer and True Accord has violated me under the provision of 15 USC 1692. Please review attached documentation.