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

I have sent numerous disputes challenging erroneous and inaccurate credit reporting for many months. This company refuses to obey by the FCRA and continues to violate my rights as a consumer. Causing extreme stress and XXXX. This is my final attempt to fix these errors outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  XXXX paid in full it is showing a closed account which is wrong it should show it paid off. Number two PayPal is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look Paypal has a complaint with you about this by my husband
Product: Credit reporting, credit repair services, or other personal consumer reports

A second collection related to XXXX XXXX Has appeared on my account after asking the collection company to show proof of the first collection. I did not receive anything from them and less than a month later a new account has appeared. Running my credit down further with false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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: Mortgage

I had an equity loan with Citizens Bank. I paid it off through a refinance in XXXX of 2018. I started receiving bills after the closing saying I owed a balance. I went to my branch in XXXX Mass and was told they owed me {$220.00} and that they would send me a check and close the account. I kept getting bills. I went back to the branch two more times and was absolutely assured the problem was taken care of. I stopped receiving bills. A year later I received a new bill for {$120.00} and a {$20.00} past due charge. I called the home equity department and and was told I need to pay the fee even though they acknowledged I didn't owe it and the error was theirs. They offered to wave the {$20.00} late fee. I am very unhappy with the deceit and lack of taking responsibility hiding behind " the rules ''
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Product: Credit reporting or other personal consumer reports

I'm writing a second complaint on this one. There are still accounts on my credit report that should not be there.
Product: Credit reporting or other personal consumer reports

there's been a data breach I see activities on my credit report the I don't recognize
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, fraudulent accounts have been added to my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} 3. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX {$00.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on TransUnion. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy. 
FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute. 
CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices. 
attached you will find a copy of my most recent utility bill for proof of address, my id, my social security car, a screenshot of the account removal from XXXX, a copy of my FTC complaint and my formal letter with the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681section 602 says, " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 states, " It also states consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XX/XX/XXXX. Specifically, when the Court asked if there are any reasons why the excess proceeds should not be paid out to XXXX, they remained silent and refused to relate XXXX XXXX XXXX XXXX XXXXXXXX and XXXX along with Bank of America, N. A. lied and represented, in writing, the XX/XX/XXXXXXXX Trust Deed had been paid off in XX/XX/XXXX. This intentional misrepresentation was made, in part, so that the borrower wold not be entitled to the excess proceeds after the foreclosure sale at auction of XX/XX/XXXX. Additionally, XXXX also misrepresented the total amount owned on the bank 's XXXX Trust Deed and intentionally left out the {$89000.00} principal reduction on an MHA HAMP amendment that becomes due at the time of default. The reason, in part, for the intentional misrepresentation of the debt owed was to lower the amount for sale at auction. Folks buy the debt associated with the Trust Deed to turn a profit. On XX/XX/XXXX, to debt sold at auction for {$320000.00}. The bona fide purchasers then sold the property - without holding title - on XX/XX/XXXX for {$420000.00} making approximately {$10000.00} in profit. If the {$89000.00} had been added to the {$300000.00} ( the amount reported owed by XXXX ) the total amount owed would have been {$390000.00}. Add in the improvement and legal costs, the profits would have been around {$15000.00} rather than {$100000.00} and most likely would not have sold at auction leaving me in my home as the bank, XXXX XXXX XXXX, XXXX XXXX and XXXX would not and, in fact, did not, proceed with a judicial foreclosure. Which is the most nonsensical thing ever ( other than tapioca pudding ) because a judicial foreclosure would have barred a California Homeowners Bill of Rights claim and litigation. 

Desired resolution would be to receive a full explanation addressing and detailing the due diligence surrounding the actions taken during the foreclosure processes including, but not limited to, pre and post foreclosure activities as Trustee and Trustee 's Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to lift the credit freeze for a company and found the freeze had been lifted already. The credit freeze lift was done without my permission. I called Equifax ( XXXX ) stated the credit report freeze was placed XX/XX/XXXX - XX/XX/XXXX. I asked how and who requested the credit lift on my credit report and requested a copy of the letter for the credit freeze lift. I do not request a temporary freeze lift in writing because I use my pion online which is faster. Then I asked for a confirmation number for the temporary credit freeze lift. The request was in writing so I would not have a confirmation #. 
I think is part Equifax Data Breach!
Product: Credit reporting or other personal consumer reports

I was in the process of trying to buy a home for me and my daughter due to her father being incarcerated for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.
Product: Consumer Loan

The loan amount was for {$1000.00}. However, I was unable to see my contract until after the loan was disbursed. The loan payments is {$300.00} birthday weekly totaling {$600.00} a month for a {$1000.00} loan. All payments are going towards interest and not towards the principal. This is making the loan very expensive. Therefore, the loan is costing me over {$6000.00} dollars. The contract lists the Interest rate at a ridiculous rate of 646. %. I was n't aware that I had to pay {$300.00} twice a month on a {$1000.00} dollar loan.
Product: Credit reporting or other personal consumer reports

Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX  XXXX {$370.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX {$0.00} XXXX {$5800.00} XXXX XXXXXXXX {$11000.00} XXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XXXX XXXXXXXX {$560.00} XXXX XXXX {$630.00} XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, XXXX and XXXX Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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: 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 XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  has violated my rights. Or 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: Credit reporting or other personal consumer reports

I have tried get them to remove certain information from my credit report and they are writing me back saying I need to pay for my credit report and that I need to give them certain information. I know that 15 USC 1681 622 ( 4 ) regards my right to privacy. 15 USC 1681 ( 2 ), says that knowing the information is Inaccurate it must be deleted and not more information asked for. I have searched my account after so many years and I was shocked to see so many errors on my account. I am now starting to correct my account and fine that those who supposedly watched over it were not watching out for my good.
Product: Debt collection

I have been reaching out to Gc services for a while, never get a response. 
XXXX {$530.00} Most recent letter sent. XX/XX/2022
Product: Credit reporting or other personal consumer reports

I become aware of my idenity theft some time in XXXX. I saw this account opened under my name. I plan on disputing this account and sending this report to the three major credit bureaus. I have no association with this account or had any knowledge of them being opened until XX/XX/2025. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering Items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I was trying to log into my account with Bank of America and the website stated there was no account. I checked my card and it has an expiration date of XX/XX/XXXX. I called the bank and was told my card was closed in XXXX of XXXX. Ive had this card since XXXX. When I asked when they sent me a letter or email advising of an imminent account closure the representative told me that no such letter was sent despite that being a prerequisite to closure. The only recourse I have is to open a new account. Bank of America clearly does not care about its customers.
Product: Checking or savings account

i made a purchase for a very speicfic type of office charge overseas, they were to make it from top to bottom brandnew with the customer specific requests made to the chair. i was told the timelime to make it and ship it will take up to 3 months before i received the item. its been 3 month and not only have i not received it but i can not reach the seller whatsoever. unfortuantely my bank only offer XXXX purchase protection and now that its past them wont refund the money under the reason of not received item,
Product: Credit card or prepaid card

my card was stolen and used around XXXX/2017 i never used the card at this merchant for this amount XXXX-XXXX XXXX XXXX FL # XXXX {$7100.00} i called wells fargo and they denied my claim wo investigating there clearly violating my right under the fcba and this wasnt even used for the chip is was swiped based clearly wells need to be investigated for violating my rights under the fair credit and billing act, i also filed a police report with XXXX police dept phone number XXXX officer XXXX report number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX Having held my PayPal account for over a year, operating as a freelancer on platforms like XXXX and within various XXXX groups, diversifying my payment collection methods is crucial for serving my customers effectively. 

On XX/XX/2024, I received an email from PayPal requesting specific information : 1. Business License Copy : I informed PayPal that as a freelancer, I am not obligated to possess a business license. 2. Bank Statements : I submitted both my XXXX bank statements and proof of account. 
3. Proof of Purchase from Supplier : All invoices were supplied by XXXX, and I provided evidence of these invoices. 
4. Explanation of Business Operations : I promptly responded with proof and screenshots of my XXXX account profile, where I have earned over {$20000.00} as a fully verified freelancer. 
All necessary documents have been diligently submitted, with additional tracking information provided where required and deemed necessary. 

On the XXXX, upon logging into my account and verifying that all required information had been successfully submitted, I was startled to receive an email approximately an hour later stating, " Based on the information we have today, it looks like there was activity on this account that we can not support because of the information in your consumer credit report. ". 

This revelation raised concerns, as I am a XXXX national and i live in the XXXX and do not possess a consumer credit report with any bank or organization. 

Seeking clarity, I promptly contacted my bank, which confirmed that no such consumer report existed. Consequently, I am inclined to believe that this issue may be an error, and I am eager to have it rectified swiftly to restore my account to its proper working condition. 

As a result of PayPal 's actions, I was compelled to refund over 21 transactions on XX/XX/2024. 

I am attaching my XXXX bank account, my XXXX invoices used to bill my clients for your knowledge.