23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Experian has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I hope this message finds you well. I am writing to address the recent permanent limitation placed on my PayPal account ( XXXX ). I believe that there has been a misunderstanding or error in this matter, and I am kindly requesting a re-evaluation of my case. 

Firstly, I wish to express my utmost respect for PayPal 's policies and guidelines. As a diligent user, I have made it a priority to adhere to these regulations since the inception of my account. I am confident that I have not engaged in any activities that would violate PayPal 's terms of service. 

Given this, I am left perplexed by the limitation that has been imposed on my account. It is my sincere belief that this action is a result of some oversight or technical glitch. I am certain that no actions from my end could have warranted such a response. 

I kindly implore PayPal 's team to take a closer look into the specifics of my account activity. A thorough review will reveal that there have been no breaches from my end. I value my relationship with PayPal and the convenience it brings to my online transactions. Losing access to my account has caused me significant inconvenience and distress. 

In light of the aforementioned points, I humbly request PayPal to initiate a re-investigation of my account. If any errors are found, I kindly request the removal of the account limitation. The ability to use PayPal is pivotal for my online transactions, and I am hopeful that this matter can be resolved promptly. 

I am grateful for your attention to this appeal and the swift resolution of this matter. Please do not hesitate to contact me at XXXX for any additional information that may be required. I eagerly await a positive response and the reinstatement of my PayPal account. 

Thank you for your time and consideration. 

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

XXXX-Equalfax : I have two creditors on my credit report that are charged off accounts. XXXX XXXX  and XXXX XXXX. They both are over five years old. XXXX sent me a letter stating that they do not need to collect any money from me and will send a 1099 to my home. Which never happened. I sent the letter and filed a disbute complaint with the three bureaus and they wont remove or update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX under the name XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX
Product: Student loan

My loan was broken up into XXXX loans ( loan A and loan B ). I paid faithfully for months yet loan A was never paid off. They kept my balance at a low amount so that they could continue charging interest on loan A. While I thought I paid loan A off months ago, I signed into my account and noticed that it was never paid off. Upon speaking with a representative, I was informed my payments began being applied towards loan B and I would have to send a separate payment for the exact amount to pay off loan A. No one ever informed me of that, instead they continued charging interest.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was mislead to get into a student loan consolidation for lower payments. Ive recently been advised by the Dept. of Education that they are fraudulent. 
I tried to cancel whatever agreement we had and told them I reported them, that company ( I cant remember the name ) then went under for legal reasons, so the finance company in charge ( Equitable Accpetance-whom the claim is about ), sent my file to a trusted consolidation company to take over consolidation. I stated I tried to cancel while speaking to customer service at Equitable Acceptance and they did not want to hear it they just wanted their money and then told me they were filing it as past due and refusal to pay. Now Im receiving bills and past due alerts on my credit report. I never signed anything, just a verbal agreement to pay a small fee per month for consolidation. I believe I am Being taken full advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : Company ACCOUNT NUMBER XXXX XXXX XXXXXXXXXXXX XXXX formerly XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This Credit Reporting Bureau is in violation of 15 USC 1692g . They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX
Product: Mortgage

Our complaint is against Chase Bank. We do not have a mortgage with Chase, but have been waiting on Chase to act on a land swap that concerns a mortgage they hold. 

History : We entered into a real estate contract to purchase the property on XX/XX/2019. Part of the title work required that the property be surveyed. The survey revealed some problems with the boundaries and, as a result, the surveyor reset the property boundaries to address these problems. This movement of boundaries required that Chase, the mortgage holder on the adjacent property, sign off on the land swap. The movement of the boundaries did not diminish the amount of land associated with the property on which Chase holds a mortgage. In fact, the size of the property increased slightly. We only require that they sign off on the new legal description so that we can close on the property. 

The title company and real estate agent have provided all documentation Chase has asked for, and in some cases, have provided the same documents several times. There has been no movement on this requirement on Chase 's part, and we are now almost 1 1/2 years later, still waiting on Chase to approve the new legal description. 

This delay has caused financial and emotional stress for all parties, and still there seems to be no interest on Chase 's part to provide the approval needed to close on the real estate contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION LEGAL DEPARTMENT I have been trying to resolve errors on my report and being violated by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

There is a charge-off being reported on my consumer report that is different from a statement I received from the furnisher regarding account # XXXX.This is a violation of the FCRA pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 

A notice of dispute, debt validation, and cease and desist was delivered to this company on XX/XX/23. The response I received regarding a request for debt validation does not comply with section 1692g of title 15. The contract I received is not legible and violates my rights under TILA. 

I am giving the furnisher and alleged creditor a timely response to fix this error and refund me actual damages before I pursue arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three bureaus Transunion, XX/XX/XXXX and XX/XX/XXXX XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Product: Checking or savings account

i have contacted prosperity bank via chat which i was in the queue for 20 mins to inquire on refinancing only to be told i had to call by phone - i called and i waited 30 minutes until an agent answered and hung up on me after she said her welcome script. i understand the call volume is up and hold times are longer ( i work for a XXXX  ) but this is poor customer service. my account was with Legacy Texas and never had issues with them and then transferred over the XXXX XXXX, and if this is the way they treat their customers, i will take my business elsewhere. 

someone needs to call me back from the loan dept - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Product: Mortgage

I submitted a HELOC loan application XX/XX/XXXX along with my supporting financial information including proof of income, tax returns, and home owners insurance information. After not hearing from the bank ( Citizens Bank in the XXXX XXXX Branch, XXXX, NY ) for several weeks I called the branch to learn that the bank employee that was 'handling ' my application and who had custody of my personal financial information, had left the bank. When I enquired where my information was, the bank employee told me he did not know but he would look for it. Later that day he called me to tell me they found it in a drawer of the former employees desk. I then requested the branch mail my financial information back to me. After a week and a half I had not received the information and I called the bank and spoke to the branch manager who told me she had it and if I wanted it back I had to come into the branch. I did so. At that time I lodged a complaint with the regional supervisor of the branch. At that point the regional manager asked me if I still wanted to proceed with the HELOC loan. I told her I did not as all I had were problems with this branch ( see a current complaint I have pending with this branch regarding fraudulent loan practices ). She then told me the bank would discontinue my application. I then told the regional supervisor I wanted to lodge a complaint against the branch for the shoddy mishandling of my original application and personal financial information. She said she would but after several weeks of not hearing from her nor receiving anything from the bank acknowledging my complaint I escalated the proceeding to the 'Office of the Chairman ' Two weeks later I received a 'rejection letter ; for my HELOC dated the day after my request to have my application withdrawn. The reason they gave was 'excessive loan to income ratio ' Since the bank never had my income information ( found in a desk drawer of a departed employee ) One other totally amazing fact about my so-called rejection letter, they rejected me for a loan I never asked for! They claimed it was for {$190000.00} when the fact of the matter was, it was suppose to be for only {$90000.00} I maintain that the banks rejection of my loan was discriminatory and vindictive because of my complaints and withdrawal of my application. The upshot of all this is when I told the banks 'Office of the Chairman ' they said they would investigate all these matters. To date they have not done so nor have I been informed in writing by the bank about my complaints. 
One final thing, according to my FICO score which the bank sent me it was XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Shabana Motors shouldnt be reporting to my credit I no longer have the vehicle broke it was towed away by company
Product: Mortgage

My mortgage was bought and sold three times. I ended up at Truist which for some reason made making a mortgage payment nearly impossible. Truist is saying they have no record of receiving the form to reestablish the draft. That's exactly what I have been saying over and over ion my complaints. Truist FINALLY admitted they did not process payments. ON TOP of this my XXXX was XXXX  of XXXX and Truist is running ads they care on the XXXX XXXX. Truist did not process payments and ALSO reported information to each credit bureau differently. I am really upset. 

Truist did not proceed payments and then ALSO reports the information inaccurately to the bureaus BUT says it's not the banks problem. 

The complaints I have filed get reviewed. Truist writes something erroneous on here and the complaint is closed. 

Truist finally admitted " We have no record of receiving the form to reestablish the draft. '' That's what I have been complaining about. The information reported to the bureaus is wrong.
Product: Credit reporting or other personal consumer reports

I received notice on XX/XX/year> that someone tried to open up a credit card in my name and social security, which caused an alert of an inquiry on my credit report. 
They first tried on XX/XX/year>. 
I have a credit score of 800 plus and this has dropped my credit score. 
Please delete the inquiries ASAP.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX  numerous times and reporting discrepancies, my financial institute and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfisable. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

tryed to contact to let them know this is not my bill i will say again i have not had a hospital bills in over 12 years this is not my hospital bill if they cant show me my name that i sign with my hands this is not my bill i have been fighting about the credit bureau with wrong name addresses and phones numbersi just got all my stuff straight so please stop lying saying i have a bill when i dont
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX ( only reported to XXXX ), and XXXX XXXX XXXX XXXX reported to ( XXXX & XXXX ) has violated my rights . 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on Experian is XX/XX/XXXX while on XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on Experian, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; Experian is XX/XX/XXXX, XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.
Product: Payday loan, title loan, or personal loan

I recently received whats considered a payday loan from MINTO Money of about {$2500.00}. I spoke with someone from the XXXX XXXX XXXX XXXX about the loan because they are charging me over 500 % interest and by the end of the loan I will end up paying over $ XXXX. I was in dire need of the money and they were my only option. The guy I spoke to from XXXX told me they are not even licensed in the state. From what I can tell, it is also illegal to charge over 337 % for a payday loan in Iowa. What are my options? I have no problem paying the principal balance of what I borrowed but I can not afford over {$500.00} every 2 weeks and I want to figure something out before they send it to collections. I have sent a couple of emails to them with no avail.
Product: Debt collection

XXXX XXXX ( sp ) called me at XXXX with the threat that this would sent to a legal team if I did not call him back by XXXX. I have never received any letter about this debt I need information not threatening calls which violates my rights. XXXX XXXX was very hostile towards me on this call.
Product: Checking or savings account

I recently opened up an account on Robinhood. I verified all information to have my accounts approved. Once my spending account was approved I added some money not to much around XXXX. I try to use my card they provided me with and I get a notification telling me my account is restricted and I can't use any of my money. I reach out to customer service to try and solve this problem and they tell me it's nothing they can do and I'll just have to wait. I tried contacting someone higher up in the company but nobody seems able to give me an answer about my account and money. Then they restricted my ability to text there chat support
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt collection company named XXXX XXXX that is reporting a debt that they have not validated to me to prove the account is mines. They sent me a list of charges with no contractual signature or a way for me to know the account belongs to me other than an old name and old address from years ago along with charges. This account does not prove to be mine. I want to know how is this false information being verified.
Product: Mortgage

see uploaded documents. Mr. cooper offered a pre approved modification After the 3 trial payments got the modification paperwork and was appalled my mortgage lenth went  from 20 years to 40 years. When I called them was told oh a modification isnt always a good thing. How can they justify doubling from 20 to 40 its not right at all. Also from the moment they took over as servicer there has been numerous issues. I spent a lot of effort to get my ex husbands name off and now its back on there. 

i need help they take no responsibility for any issues at all ....