23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a PayPal account under email name XXXX. 
PayPal permanently shuts down my account and freezes all the money in my account. However, this account was used solely to accept money from friends. I usually pre-pay party-related expenses and my friends use PayPal to transfer money to me so I can pay credit card bill. 
After PayPal freezes my account, I don't have enough money to pay my credit card bill, and causes lots of inconvenience to my life. 
I want PayPal to resume my account immediately.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXX-account number XXXX XXXX XXXX XXXX number XXXX 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 XXXX 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

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX Account Number:XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .Listed below are the Inquiries that are being challenged : FIRST TECH FCU The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting or other personal consumer reports

MY CREDIT PROFILE IS INACCURATE WHICHI IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IMREALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES, IM GON NA GO TO COURT.
Product: Credit reporting or other personal consumer reports

I have previously disputed A XXXX Bankruptcy that is on my LexisNexis Report, and in response, LexisNexis verified the item as accurate, stating that LexisNexis has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached.

It is clear the Court does not report to LexisNexis or any Credit Bureau for that matter ; therefore, LexisNexis 's initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX BANKRUPTCY/Reference XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy. 

And according to 15 USC 1681eb LexisNexis is supposed to ensure this.

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.

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: Checking or savings account

I use to have a chase banking debit card from last of XX/XX/ but some how some body sent me a check on my account that use to have with chase banking with cause my bank account to close which am have a hard time to reopen a tradional bank account at any financial institution as of right now which I Had no knowledge of this transaction not until I received the phone from bank tell me they would Involutary closer of account. The amount was deposited on my checking account was checks {$4000.00} XX/XX/. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing a 30-59 day late payment for XX/XX/2022 from a personal loan to all 3 major credit bureaus and PNC BANK directly . They do not correct the inaccuracy. This information is unacceptable.
Product: Checking or savings account

Hi, I bank with Bank of American for my XXXX business. For the pas month Bank of America ( BOA ) has been processing fees in the middle of the day. BOA cut of time to make deposits is XXXX my time. And accounts are processed after XXXX. Yesterday ( XX/XX/XXXX ) I opened my account and see a check I wrote had been deposited which made my account negative. At the time ( XXXX ) there was no fee, just a negative balance. I knew I had to make a transfer before XXXX to avoid a fee and/or the check being returned. At XXXX that same day ( XX/XX/XXXX ) I logged on to make the transfer and to my surprise my account had already been processed, I had a fee, and the check had been returned in the middle of the day. It was not pass the cut off time for deposits, nor was it pass the processing time. As of lately this had happened more than once. This is not right! They are not following their own rules. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian web site has incomplete information on credit reports. XXXX  score is unscoreable. XXXX and XXXX my reporting scores are listed on they web sites of XXXX and XXXX. So I upgraded on Experian website for Experian Premium so all 3 reports will be added to show credit history and XXXX XXXX listed on XXXX and XXXX, thinking maybe my score will be updated to correct information. As of today XXXX  score XXXX is still stating unscoreable for all three major credit reporting systems even though I have scores on XXXX and XXXX. I have applied for a car loan with XXXX XXXX XXXX the salesman stated I dont have a credit score. Ive been in contact with the all but to no avail on getting my FICO score corrected.
Product: Credit reporting or other personal consumer reports

Within the FCRA, I have compiled a list that these accounts go against. 
15 U.S.C 1681 section 602 A. States I have a right to privacy. 
15 U.S.C 1681 section 604 A. States that a consumer reporting agency can not furnish a account without my written consent. 
15 U.S.C 1681c. ( A ) ( 5 ) This section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other 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. 

These inaccuracies are stopping me from getting a new car or even applying for a mortgage for my family. 
Thank you in advance!
Product: Mortgage

For the last 3 months ( statement dates XXXX XXXX - XXXX XXXX ) my HELOC statements have been showing a past due amount which has been increasing my payment amount due. I have never been late on any of my payments and always sent in more than what was due. When I received the statement for the XX/XX/XXXX payment, it showed I had a past due amount of {$230.00}. I called the bank as I had made the previous months payment on XX/XX/XXXX. The amount due was {$230.00} and I made a payment of {$250.00}. The representative advised that there was a payment sitting in suspense which he would have applied and that I did n't even have to make a payment for XXXX, I told him I still wanted to make a payment in May and he advised that I should make a payment of {$160.00}. I also requested that a payment history be sent to me as I felt my payments were not being applied appropriately. So on XXXX I made the payment through my banks online bill payment for {$250.00}. The following month when I received the XX/XX/XXXX billing statement it showed yet again that I had a past due amount of {$160.00}. I called the bank again and spoke with a XXXX in the bankruptcy department who than transferred me to an XXXX in customer service. XXXX advised me she did n't know what was going on with my account as she did n't understand the payment history and that the bankruptcy department advises how to apply payments. She stated that it looked like I only had a payment due of {$90.00} as there were funds in suspense. XXXX advised that the next statement should show that the account is all squared away. Well I received the XX/XX/XXXX payment statement and it shows again that I have a past due amount of {$190.00} and a finance charge of {$180.00} for a total amount due of {$380.00}. So I pulled out all the statements I have saved to date and wrote down the payment dates and amounts to try and match to the payment history that was sent to me and could not follow how my payments were coming in or being applied. I sent in a payment XX/XX/XXXX for {$200.00} and on XX/XX/XXXX for {$250.00} that I could n't see in the payment history as all the other payments showed an effective date of transaction on the payment history. There are XXXX XX/XX/XXXX transaction dates that show a XXXX tran for a payment of {$160.00} and the other a XXXX  tran for a principal payment of {$85.00}. Also in reviewing the payment history that was sent to me which was from XX/XX/XXXX through XX/XX/XXXX I see that for the months of XXXX & XXXX  payments, the payments spiked to over {$300.00} due which is not in line with the normal payments due. I do understand that my HELOC is not a fixed rate but do n't understand the payments jumping that high for these 2 payment. The other thing I noticed in this history is that only 8 principal payments have been made in the 3 years, where has all the additional money I have been sending been applied? I also see a XXXX tran for F/C and B/R Expenses for {$650.00} on XX/XX/XXXX which was around the time I filed CHXXXX  bankruptcy, was this paid out of a non-recoverable account? My monthly payments to your bank are paid outside of the CHXXXX plan.
Product: Debt collection

XXXX XXXX XXXX Lawn XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Subject : Request for Copy of Form 1099-C Dear : CONNS, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus. 

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of Charge-Off/CollectionXXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

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

I spent the whole afternoon ( XX/XX/XXXX ) with Experian trying numerous ways to unfreeze my credit so that I could make an application for a mortgage. 

Over the last several day I was unable to unfreeze my credit with XXXX  and XXXX  with minimum of difficulty compared Experian. My bank is requiring credit report corroboration from all three agencies for my application. 

Experian have no access to a 'human ' and I eventually found a number after searching XXXX Reviews for several hours 'how do I reach a human at Experian? ' at XXXX, after numerous failed attempts at trying to unfreeze my account on-line. All accessible and XXXX type accessible phone numbers for Experian gave menus that did never lead to a human and abruptly ended with 'Goodbye '. 

Experian absolutely refused to resolve my request to unfreeze my credit by phone and also claimed that I had been sent a PIN by mail that I never received. My problem is that I have recently moved to XXXX   and I am staying with a friend and do not have a utility bill or a bank statement to this address in the US. 

Since Experian is refusing to unfreeze my credit report I left in a situation that I am unable to get a mortgage pre-qualification letter to buy a home. Of course my XXXX address and records since XX/XX/XXXX don't count and I sold my apartment in XXXX  XX/XX/XXXX. 

It is absolutely incredible that Experian would HIJACK my credit report and ability to negotiate a mortgage and not even provide access to communicate with a human, an email address for customers or a Fax number or street address to securely send documents just a PO Box ( Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX, physical address on the web is not given and apparently the company is headquartered in XXXX XXXX ).

The ability to selectively and temporarily reverse my credit freeze is of the utmost importance for my protection of my financial identity and credit and I actioned this when I understood that I was a victim of the XXXX  hack. What is inappropriate is that there should be such disparity of consumer service of Experian compared to XXXX  and XXXX. This is the substance of this complaint and I request CFPB in breaking the hijacking of my financial identity by Experian. 

Thank You and So Very Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX, XXXX XXXX, XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting

Due to a negative entry on my Experian credit report I attempted to dispute the item. After filling out the online form to proceed with the dispute. Experian stated that I am ineligible to dispute MY credit report and asked for a XXXX fee to have a report mailed to me.
Product: Credit reporting or other personal consumer reports

XXXX : : Identity Theft and Fraud : This CFPB complaint has been led to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, then 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 personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX & XXXX ... collections auto loan. XXXX XXXX XXXX XXXX  account numbers XXXX XXXX XXXX a XXXX. An account on XX/XX/XXXX, XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX under the account XXXXcharge off /a personal loan account.AND An opened XXXX, DEBTOR 'S A BUYER collection account that appears related to the aforementioned personal loan account opened at XXXX  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 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. 
What would be a fair resolutio I
Product: Credit reporting or other personal consumer reports

PLEASE * REMOVE * ( ACCOUNT ) FROM CREDIT REPORT - EQUIFAX XXXX  XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : TOO ( OLD ) & BAL IS INCORRECT ______________________________________________________________ PLEASE * REMOVE * ( ACCOUNTS ) FROM CREDIT REPORT - EQ / XXXX  / XXXX XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | AMOUNT : XXXXXXXX XXXX XXXX XXXX | DATE : XX/XX/XXXX | XXXX : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX __________________________________________________________ PLEASE * REMOVE * ( INQUIRIES ) FROM CREDIT REPORT - EQ / XXXX  / XXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX XXXX / XXXX | DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX Il XXXX or XXXX XXXX XXXX XXXX XXXX Il XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX/XXXX, XXXX/XXXX 's, XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX , XXXX/XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX . Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX-XX/XX/XXXX,  and Equifax XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I wrote to Chase disputing a {$120.00} charge that was posted on XX/XX/XXXX, described as 'ONLINE PURCHASE XXXX '. Neither my wife nor I purchased anything from a source in XXXX, which is the capital city of XXXX ( XXXX ). In trying to resolve this dispute with Chase, I have been bounced back and forth on phone calls where the dispute department claimed it was a fraud and transferred me to the fraud department, which said it was a dispute issue and transferred me back to the dispute department. Then I got a letter from Chase asking me to fill out a form that I had previously filled out, regarding my dispute. I wrote back to Chase on XX/XX/XXXX, stating that I was tired of getting the runaround and unless Chase could show that the {$120.00} charge was valid, I expected them to remove it, as requested in my original dispute letter. Instead, I today received a letter from Chase dated XX/XX/XXXX, stating that Chase found no evidence of a billing error and was therefore reinstating the charge! I'm not even sure they even removed it, but it's clear to me that they are NOT acting in good faith and are basically taking the easy way out. The bottom line is that the charge was not made by either me or my wife, and the inability of Chase to even provide a phone number or address of whoever made the charge is proof that Chase is essentially avoiding any responsibility for a bogus charge on my account.