23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had a PayPal account for about 8 years now in good standing. Recently my account was locked and all of my funds are unavailable while it 's locked. They say they WILL NOT under any circumstances unlock my PayPal account or give me access to my funds until XXXX debts are paid from old PayPal accounts that do not even have my name on them, they are not mine and never were mine. This is in complete violation with the Fair Debt Collection Practices Act. I can not have my funds held and my account locked because of somebody elses debt. This is also defamation of character to insinuate that I actually abused their service somehow and in some way am attempting to avoid a debt or steal money. This PayPal account is what I use to run my business to earn a living to feed my family. It is utterly shocking that a company can do this to myself and many others with NO repercussions what so ever. I searched the internet and it seems that all these practices they are doing like this are in violation of XXXX thing or another, so why is this company continuing it 's underhanded practices without paying every time it 's found that they are in violation? This is enough to make anybody sick. ( I have not retained council, YET ), but I do have a legal team for my business and they are pushing me to sue instead of making all these attempts at getting a resolution. I hope this gets fixed because we are calculating ALL damages on a daily basis and right now we are already into several thousand dollars and XXXX lost employee. This is libelous plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX APARTMENTS ) XXXX ... XXXX XXXX XXXX Original Creditor : 01 XXXX  ) 1103****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I WAS GOING THROUGH FINANCAIAL AID RESOURCES FOR MY MOTHER FUNERAL SERVICES, AND WAS ALERTED TO NUMEROUS ACCOUNTS ON MY CREDIT REPORT BY THE FUNERAL HOME, THESE ACCOUNTS LISTED DO NOT BELONG TO ME AND HAVE CAUSED A ALREADY ARDUOUS MOMENT IN MY LIFE TO BE MORE DEPRESSING, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS THAT HAVE BEEN ADDED TO MY REPORT AND DO NOT BELONG TO ME
Product: Checking or savings account

I closed on my house XX/XX/year>. We were given a check for {$7000.00} from the law firm we were closing on the house with. I deposited the check into my account. The check had XXXX XXXX which was the creditor we were going to pay off but the firm XXXX XXXX XXXX, XXXX forgot to add my name which I did not realize. The {$7000.00} came from my XXXX and I will attach proof. The bank Wells Fargo said they would return the check so we can take it back to the law firm and have it reprinted. The bank kept the check and closed my account. We called and had the law firm call and fax explaining what the check was for. The bank did not respond and kept the check. I have enclosed a copy of the check. The bank claimed the money went into unclaimed funds which we never heard of. I need help getting my money back. I have since paid off XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Current Name Inquire Type Inquired On XXXX Credit transaction XX/XX/XXXX XXXX XXXX Credit transaction XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Credit transaction XX/XX/XXXX XXXX Credit transaction XX/XX/XXXXXXXX XXXX XXXXXXXX Credit transaction XX/XX/XXXXXXXX XXXX XXXX  Credit transaction XX/XX/XXXX My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

YOU TransUnion have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports
Product: Credit reporting or other personal consumer reports

Experian fail to follow the law relating to claims of identity theft. They're causing harm and injury. Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have tried to process my new car loan with Wells Fargo at XXXX, but I had to pay extra interest rates which was 13 % and after one year ( XXXX ) I still can not refinance the car loan. 
I have to pay extra {$10000.00} for a new car.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies n my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Purchased several XXXX gift cards for XXXX in 2023. Had issues with many of the cards not working so our field offices sent unused cards to me. The total was about {$2000.00}. Since then, I have tried to register them online, call to get registered, etc. Some have worked and I've been able to use about {$300.00}. We have been unable to get any of the remainder to work. We've called and been given the runaround : they state they don't see the card declining ( which can't be right as we've attempted to use and have the declined emails as proof ), that we need to provide purchase proof ( don't understand this as it's a gift card ), that we need to fax copies of the cards and a driver 's license, which we did. Now saying they can't read the card numbers or make out the driver 's license and we need to resend. Basically, they don't want to reactivate the cards and we have put forth every effort to get this done.
Product: Student loan

Am not working full time! Have a part time job only work XXXX hours a week! So iam not making enough money.
Product: Debt collection

Lockhart, Morris and Montgomery has reported a collection account with a balance of nearly {$5000.00} on my credit reports. They repeatedly contacted my dad, even though I am XXXX XXXX XXXX in an attempt to collect a debt that I even owe. There is no judgment against me. When they called my dad they did not identify themselves as debt collectors and tried to find out my contact information and location. 

They even contacted my grandparents on the phone to try and find me. My grandparents were very upset by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Completed online dispute with the credit reporting agencies on XX/XX/XXXX. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding several negative items currently listed on my credit report. Despite my previous correspondence and efforts to resolve these inaccuracies, I have yet to receive a satisfactory response. The presence of these unverified and inaccurate items is of great concern and requires immediate action.
Product: Credit card or prepaid card

I set up a store card associated with Wells Fargo. At the time, I asked for the payment due date to fall on or after the XXXX of month. I was told that WF would not allow my wife and I to set payment, and due date would fall on XXXX. I have made 3 payments. The first payment was for {$1000.00} -- well beyond minimum payment. The last two were for the minimum payment. The most recent payments were made on the XXXX ( 48 hours after due date ). They charged {$39.00} for each late payment. 
I have two complaints : 1 ) it seems that WF is trying to manipulate due dates to enable them to access more late fees ( I asked for XXXX or XXXX ; they set at XXXX ; banks know most people are paid twice a month and that they may not always be able to make payments by XXXX ). 
2 ) they allow no grace period. I paid both payments by XXXX within 48 hours -- after I was paid. They should allow a grace period before late fees are charged. They have no such offering, which seems to allow them to maximize fees on the card. 

I called and they agreed to waive one but not both late fees even with I asked her to escalate the issue. 
Thanks for your consideration.
Product: Debt collection

On XX/XX/2019 I disputed the Diversified Consultants account # XXXX with all 3 bureaus. Diversified Consultants verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to Diversified Consultants via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to Diversified Consultants. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Hello so I have a personnel loan open at a local branch near me. Along with that loan I had other credit cards and loans that affected my credit that were past due. I decided to go with a consolidation program to help me pay off everything. Obviously this loan company called Atlas Credit called me for payment I nicely advised them of what I did they advised me they dont accept those kinds of programs. I advised them I will get back in touch with them. I called my debt program they advised me companies tend to say that so they dont lose money. They advised me they do work with that company and have done so in the past. A day passed by and again I receive another call I advised them again that the debt program will contact them in regards to payment. Later that same day I decide to call corporate because I dont stop getting calls they advise me they will contact the local branches supervisor to let her know I dont want calls nor them coming to my house all that is against federal law and if they want to inform me of something they can send it via mail. Later on that day the supervisor calls me and she insists again in payment she tells me they dont accept the program I advise her I dont want calls to mail me whatever she needs to tell me she said in my contract I supposedly signed to be contacted via phone. I have repeatedly advised them to stop calling me I am not approving them to call me. These arent even reminders anymore its more like harassment because I have advised them of what I am doing already.
Product: Checking or savings account

Hello, and good morning, my name is XXXX XXXX ; and Ive been having banking issues lately. These credit unions have been skimming money from my accounts and mixing up the bank statements so that I cant keep track of the transactions to be able to keep track of exactly how much money I have. Its unfortunate that they would want to do this to me because there really isnt a real reason why they would want to do this to me ; other than the fact that I refuse to join the XXXX. You see Ive struggled financially my whole life, and I know that the main reason why is because they tried to recruit me when I was young and I said no because I truly follow XXXX. However, as I result Ive never been able to get ahead financially and its been by design not coincidental because theres absolutely nothing wrong with me mentally, physically, emotionally, or spiritually. I really do hate to be having to write this, but this conspiracy against my finances is getting out of control. The reason why I chose to write today of all days is because I went to work this morning for XXXX and cashed out for {$100.00} and it didnt show up in my account ; my information is correct they just dont want me to have any money for the big game and my team the XXXX  are in it so they just want to XXXX me off. Were talking about America First Credit Union and I recently left XXXX XXXX XXXX XXXX who started the whole ordeal of the skimming of the money from my account. I had caught them and they gave it back ; the little bit that I noticed, however its honestly making me question how long have they been doing this to me until the point where they wanted to get caught. I mean because lets face it nobody has time to go through their accounts and crunch the numbers of every transaction between each pay period. Nobody has time to do that and they know it. So now Im going leave it to the professionals to investigate, because I dont have time for it. 

Thank you for your time and I can be reached at XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. I never written a letter to agree to furnish account without my consent. Consumer laws protect as this account violates my privacy against my will. its also a form of identity theft as well as my personal information is public. I will be filing a Identity Theft Report as well.

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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting

Approximately, at the beginning of XX/XX/XXXX I attempted to obtain an annual credit report from Equifax. Equifax did not have suitable information to provide my report and this information was conveyed to me via letter. Said letter is dated XX/XX/XXXX This same letter is addressed with an apt XXXX number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents. This letter is addressed with a unit number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX XX/XX/XXXX. Equifax demands I provide documents proving I reside within a Unit rather than an Apt XXXX Equifax has sent me a letter at the same address with both Unit and Apt XXXX designation for my apartment number. Evidently, Equifax knows more about my abode than I do, yet will still not provide me with access to my credit report as required by law. XXXX, XXXX and XXXX have all provided me with my credit report to an address with an Apt XXXX designation. This complaint is the second complaint I have filed with the CFPB about the same subject matter. Please see attached documents from Equifax, XXXX, XXXX and XXXX mailing correspondence to an Apt XXXX designation. Yet again Equifax has skirted compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Product: Credit card

I have had a Lowes Synchrony Credit Card almost 1 year. In that year Ive been able to raise my limit up to {$6000.00}. In that year, I have charged it up, paid it off to a XXXX balance and then started charging it again for home projects. During the most recent charging of credit card, I receive a letter that they have lowered my limit to less then {$100.00} more then what my current balance is ( New Limit of {$3700.00} ) reasoning being is recurring balance and balance steadily increases etc etc. These kind of changes affects my overall credit rating showing I have a maxed out card when in reality I did not, the company just lowered the limit to make the credit card now maxed out. The is an unfair and unjust action which has and will cause further complications relating my overall credit rating. I do not know how this could be a legal action taken by the credit company since I have fulfilled my obligations and never been late or had my account derogatory in any way.
Product: Credit card

My credit score dropped, and I was denied credit, as a result, because American Express reported late payments and charges, incorrectly. They had continued to place monthly charges on a cancelled credit card. They have now acknowledged their error, and ttheir most recent submission to the credit agencies should reflect that my account has been current.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX Account name : XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.