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

My credit Report is showing an account of consumer XXXX XXXX XXXX XXXX and they call and XXXX  Me daily about an account that was included in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of XXXX XXXX XXXX of a purpose of Consumer Reporting under which section XXXX never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports
Product: Prepaid card

Ever time I try to use my card ever transaction is declined and I was told by PayPal that due to me closing a card down due to the fact it was lost or stolen that someone is trying to use that card that has caused me not able to use my new card???? This dont make since I need to use my card to pay bills and use at a store which is being denied and PayPal has done nothing to fix this issue at all.
Product: Checking or savings account

On XXXX XXXX of 2021 I opened an account online. During this process I called at le ast two times and verified and authenticated my personal identity with the instituti on. On XXXX XXXX I was issued an account number, signed up for online banking, a nd ordered checks. On XXXX XXXX I deposited {$100.00} in person at a local branch to fin d the account. I met with a banker who verified my personal identity with two form s of identification ( US Passport and US Passport Card ). She also issued me a debit car d. I withdrew {$20.00} from the ATM on site and used my card for a handful of transactio ns. On XXXX XXXX I provided instructions for a transfer of money to be sent to this account t using the account and routing number that had been provided to me. On XXXX XXXX I was advised the bank closed my account due to fraud suspicions, and t hat they were unable to verify my identity via the information that had been provid ed online. I was told that I could step into a branch with two forms of ID and try agai n. I was told a letter would be sent explaining more information. On XXXX XXXX I tri ed to cancel the funds transfer that Id initiated on the XXXX but I was not successful. On XXXX XXXX I received a deposit in the amount of {$11000.00}. On XXXX XXXX I was t old that the bank would not be returning my money ever and that the account was under a closing process. In person, on XXXX XXXX I was given different information in the branch by XXXX and XXXX. They both told me Id get a letter and a check for my funds within a day or two. Im seeking that the bank be forced to release the money that was lawfully and rightfully placed in the account, and disclose the reaso n my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Please provide me with the written contract between me and Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis for this debt. If you can't provide the written contract document between me and Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis that I owe this debt please remove it from my credit report. Also, this company is not licensed in Alabama to recover any debt from a resident of Alabama ( proof attached ). I don't owe anything to accent midtown, that is not my signature nor did I live there. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Mortgage

I inquired with US bank, my mortgage holder, about an equity line of credit as my septic system is needing replacing. I currently have a mortgage where I had financial assistance for the down payment of my home. The original down payment assistance was {$15000.00}. If I am in my home for at least five years, I will not have to pay it back but it shows up as an added lean on my home. Every year this lean goes down. The original was {$15000.00}, now it shows up as {$6000.00} on my mortgage, and now going into the 4th year in a few months it will be a {$3000.00} lean. I inquired if this would be an issue in getting an equity line of credit and was informed that I could not have 3 leans on the house, but all I would have to do is transfer the down payment assistance lean on to my new line of credit and it would be no issue. It is a down side that I would have to pay the amount that I wouldn't normally be expected to have to pay back, but I was more than willing as I am in a desperate situation with my septic. Well, fast forward a month of being put through the ringer for all sorts of information, and I have been declined for the loan - why? Because of the down payment assistance lean. I inquired further, stating I thought it would just transfer over to the line of credit. I was then told that that information I was originally given was incorrect, and that there was a recent change of policy. I find that unacceptable. My credit is now negatively impacted because US Bank 's employees are unsure of policies and are not informed of policy changes. I specifically asked in advance if it would be an issue, because I did not want my credit negatively impacted for NO REASON. Their solution is for me to APPLY FOR ANOTHER TYPE OF LOAN WITH THEM! Great, that would result in ANOTHER hard hit to my credit. And not to mention, how am I to know if I am being told the correct information again? Unacceptable business practices.
Product: Debt collection

Gold Key Credit, Inc been reporting the following medical collection account number ( XXXX ) since XXXX 2015 according to XXXX and XXXX XXXX consumer reports, but I have yet not received any communication from this agency pertaining to this account, as a result I do not have the full account number or any additional information validating this claim. However I have printed the account details from my credit report and forwarded a copy with my initial request for verification of the debt and production of documents on XXXX XXXX, 2015. At this time I have notified Gold Key Credit, Inc in XXXX separate written communications that I dispute the validity, accuracy and responsibility of the debt. As of today, XXXX XXXX, 2015 Gold Key Credit, Inc has not responded to my multiples request as they are required. I have also filed XXXX disputes with XXXX and XXXX XXXX and I have received notification from the bureaus that Gold Key Credit , Inc has verified that the account belongs to me. Gold Key Credit , Inc has violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by continuing to report their negative mark on my credit report, affecting my abilities to obtain credit and causing me to lose an average of XXXX points on my credit score since XXXX 2015. I want this agency to proof the validity and accuracy or remove their negative mark from my credit reports immediately. Any assistance from you will be very much appreciated. Thank you
Product: Debt collection

You've paid off -28 % of your collection amount. 
Balance {$1500.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer  disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - {$150.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off -27 % of your collection amount. 
Balance {$150.00} Highest Balance {$120.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX formally owned a property in XXXX, CT called XXXX XXXX. 

XXXX XXXX wrongfully evicted my family and I in 2019. Since then XXXX XXXX XXXX has ruled in my families favor as this being a wrongful credit reporting. Since the credit company ruled in our favor we were only made to pay {$630.00} out of the {$2900.00} we were reported for.

My family is trying to move but can not due to this report being on our back ground. We will soon be on the street if this is not rectified and have recently been denied several apartments due to this false report. Since payment has been made and the situation resolved I need this removed immediately. Please call me at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY! 

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}
Product: Vehicle loan or lease

Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution. 
Note : A review of XXXX  records will show this is a systemic issue with TFS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries for XXXX XXXX XXXXXXXX and XXXX XXXX  were fraudulent and need to be removed from my credit report
Product: Mortgage

XX/XX/XXXX Called XX/XX/XXXX Called again-spoke to XXXX XX/XX/XXXX Called again spoke to XXXX XXXX XX/XX/XXXX Called spoke to XXXX XX/XX/XXXX Called again spoke to XXXX XX/XX/XXXX Rep would not give name XX/XX/XXXX Spoke to XXXX XX/XX/XXXX Spoke to XXXX XX/XX/XXXX Rep refused to give name XX/XX/XXXX Called again spoke to XXXX and demanded a manager, XXXX. 
XXXX left me on hold for over 10 minutes until XXXX answered and said she was a supervisor. 
This is unacceptable! I have been dealing with the Loss Draft dept regarding my loan and they have behaved in unacceptable manors. I have been trying for them to disburse funds so my home may be repaired since XXXX XXXX. I have called 9 times and have been lied to each and every time. You have had the insurance company money since XXXX XXXX. This is illegal to hold my money of over {$24000.00} for more than a month collecting interest and not releasing the funds as promised. I have been out of my home due to damage since XX/XX/XXXX and my contractor has not been paid for the remediation since XX/XX/XXXX. 
Freedom Mortgage told me on XX/XX/XXXX that the check for {$6000.00} would be sent out XXXX XXXX XXXX and I called today XX/XX/XXXX for status because it is not here, and they said they sent it on the XXXX regular mail and it would take 10 days to get to me. This is unacceptable behavior. I am still out of my home and no contractor will touch it because they fear they will not be paid. Waiting for 4 months is unacceptable. It is uncomprehensive that I am being put through this aggravation and no gather interest on the money and no resolution is insight. My entire life is on hold because of this red tape. If they had signed the insurance check as promised I would have been in my home by now because I would have got it done immediately. Meanwhile they keep making excuses why the money is not here, and they are making money on MY money and the mortgage has to be paid. VERY UNFAIR!
Product: Debt collection

Checking my credit reports, saw that I have a collections notices XXXX was the original debt {$440.00} but it was bought by Diversified Consultants. 

Requested validity of debt from XXXX. 

Received letter from Diversified Consultants with original XXXX bill. 

XXXX has the wrong state that I never lived in. 

I never received the bill from XXXX because they had the wrong address in turn they sold it to debt collections and it's on my 3 credit reports.
Product: Bank account or service

In Paypal I have always set the currency conversion process to my VISA card so my card issuer will determine the foreign exchange rate to apply to my transactions. 
Lately, now just before XXXX, Paypal has began forcing users like me to only use their own currency conversion process.This scam began little by little for a about a year ago when this option who is still visible in paypal accounts was set inoperative was forced to pointing only to PayPal 's own conversion process option as default. To fix this scam without any notice whatsoever, only observant and awakened users has for the last year been able to change this option manually at payment transaction checkout ( manually for each transaction ). Lately, now just before XXXX, Paypal has also now began forcing users like me to only use their own currency conversion process, without any ways of changing it. I myself is a educated computer engineer and this easy task goes against everything I 've learned in programming. It is just not possible to make such small technical issue become so big and long time problem as it has become. And now the final evidence that this is a big scam came lately when Paypal removed all options to use my own VISA card issuer currency conversion process and point it only to PayPal 's own expensive conversion process. I lately contacted paypal again but they only mentioned that this is a technical issue and that they are still working on in spite they have had a whole year to do it now!!! and even when I know this should be very simple. Later the same day when I told them I was going to tell the world about this scam they reacted to send me som other hidden option that did not work eithe or would fix the problem!!! 
Here are the originale option who now it set inoperative in paypal XXXX
Product: Credit card or prepaid card

On XXXX XXXX i had my card frozen while trying to purchase a item called customer service they explained it would be resolved quickly, however netspend then stated we need 4 documents and have to wait 4 to 6 hours for approval sent the information in yet it was always something else more they needed i did this 3 times. Now on XXXX XXXX netspend wants the impossible a custom receipt from unemployment for the direct deposit???? And no it can not be a screenshot .I explained its not possible to get that and they don't care. I've sent my ID SSC A peice of mail a screenshot receipt as well as monetary determination from the UIA pdf. Letter still account is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX  Account number XXXX OPENED XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XXXX XXXX XXXX  ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMEBER XXXX ... OPENED XXXX   You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}
Product: Bank account or service

I had overdrafts on my account and did n't fully understand how I had gotten them I went to the bank where I bank all the time and the teller could n't fully understand what happened so she said the manager is on a conference call and will call you when she is finished, well 2 or 3 hours went by and she never called when I called back I asked is the manager still busy the person said this is me how can I help you so I 'm explaining to her I did n't understand my overdrafts and she said well you had one for a loan come through for x amount of dollars and I said that 's not a loan it 's my car payment and she said well that 's a loan I said I 'm paying a car payment not a loan payment..anyway what she said was XXXX fees were for XXXX transaction I was charged for it pending and for it clearing I said well that does n't sound right she said well you need anything else very rude..i said not from you and hung up ... .anyway I found out that was not true after speaking with customer service but the manager was very very very rude.
Product: Credit reporting or other personal consumer reports

I am REDISPUTING these FRAUDULENT inquiries. I don't recognize these please remove these as soon as possible. 

XXXX XXXX XXXX inquiry date XX/XX/year> XXXX XXXX XXXX inquiry date XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my wife ( XXXX XXXX ) and I ( XXXX XXXX ) sent a wire transfer to our daughter XXXX XXXX, who is a student at the XXXX  XXXX XXXX in XXXX, XXXX - XXXX. The amount was for {$5000.00} and it is something we have done for her six or seven times since she started going to school there in 2016. It is 12 days later and the money has not been received. It usually take 2-3 business days. 

Our bank is JP Morgan Chase, our account is XXXX. The branch where we executed the transaction is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My daughters bank is XXXX XXXX  XXXX, The reference number for the transaction of XXXX. 

Our attempts to resolve this issue have been frustrating. In fact, Chase 's only answer to us was that the transaction was under compliance review because they wanted to make sure we were not laundering money to XXXX or XXXX. Funny, I have been a Chase customer for well over 20 years, my daughter a XXXX customer for 2 1/2 years. They know more about our financial dealings than anyone - why would it take more than ten minutes to figure out we have to do with any of that. We also only found that out after calling them for the 4th or 5th time ... which leads me to believe it may not even be true. Also given this is the 6th or 7th transaction for the same purpose they could have easily looked at my daughter 's records to see where the money goes - which is rent, her phone and the grocery store. 

For them to hold our money to make money on the float while currency markets fluctuate is awful. I believe our rights are being trampled upon and I would like the matter resolved quickly and not repeated ever again.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. The following accounts currently showing and listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : XXXX XXXX XXXX XXXX, {$74.00}, XXXX XXXXXXXX XXXX, {$380.00}, XXXXXXXX XXXX XXXX {$740.00}, XXXX, XXXX {$150.00}, XXXX, XXXX {$10.00}, XXXXXXXX XXXX XXXX {$470.00}, XXXXXXXX XXXX XXXX. {$260.00}, XXXX XXXX  XXXX. {$420.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXXXXXX XXXX {$730.00}, XXXX XXXX XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX XXXX, {$550.00} XXXX XXXX XXXX, XXXX. {$170.00}, XXXX XXXX, XXXX, {$250.00}, XXXX XXXX, XXXX. {$340.00}, XXXX XXXX XXXX, {$360.00}, XXXX, {$4.00}, XXXX XXXX XXXX {$170.00} and XXXX, XXXX, {$150.00}
Product: Debt collection

On my credit report, there is a balance of {$4700.00} that I did not accrue for an account I did not open or authorize. This debt is now going to collections as I was only made aware of it recently. 

The account is with XXXX, and the account was opened in XX/XX/XXXX The last time I signed up for a credit card was XX/XX/XXXX and I made an intentional effort to forego credit cards I believe I am the victim of identity theft and would like this debt to be absolved. 

I did not authorize this account.
Product: Checking or savings account

I received in the mail an unsolicited Square debit card with my name on it. I have never had an account with Square nor did I request a debit card.