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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I sent a request for this company to provide proof of the 3 attempts to be made for collection of debt and they have failed to do so. According to 15 USC 1692c you have violated my rights by unlawful communications. Please remove this collection off of my credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing w/Equifax,  XXXX  and  XXXX  for the last six months regarding four accounts that are presently on my credit report. I have provided information to Equifax which advises me that they obtain their information from a third party agency. I obtained the third party division that that Equifax,  XXXX  and   XXXX   advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however Equifax.  XXXX ,  XXXX  continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
Product: Checking or savings account

I have an email from Wells Fargo from XX/XX/2022 stating a {$300.00} checking bonus would be given to me as long as I met all the terms and conditions ( which I have ). 
I opened the account inside a branch with a woman and made sure she entered the code. I waited until near the end of XXXX to call and ask on an anticipated arrival date to the checking account and was told by a representative near the end of XXXX it is now near the end of XXXX and I have called once again to confirm the arrival date of the bonus and 3 representatives are unable to locate it I requested the times and dates I spoke to the representative in XXXX since their calls are recorded and the name of the employee I spoke to at the branch when I initially opened the account and they refused to give me any of that information. I am now on the phone with another representative trying to make a formal complaint with the company to see if theres anything they can do this is unacceptable and they are legally supposed to honor their contract they made with me. I still have the original email and all. 
The complaint id number from wells Fargo is XXXX I spoke to XXXX.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in violation not reporting XXXX accurate ONEMAIN Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The office of Consumer Affairs of Equifax is not reporting my report correctly i have ask them to take my file out, They said my file will remain with them ok for what I ask, I have sent a request to have my file removed from The office of Consumer Affairs and they said no, I would like to know what is the problem and by law thats my right and request, This is a serious problem.I am a vitim of identity theft i have reported the issue with the police department and disputed inquiries with the office of Consumer Affairs and submitted a police report they said they dont dispute inquiries but when I call Equifax to speak to fraud dept. without giving them my information cause the office of Consumer Affairs got my file flag, The fraud dept. says if u got a police report and the inquiries are fraudulent u can dispute they. I call the office of Consumer Affairs back and they hung up on me.
Product: Debt collection

PennyMac HUD FHA Common Law Court Order No. XXXX and XXXX It has already been adjudicated in the courts above that ex relations XXXX XXXX XXXX now appellation and nationality correction XXXX  ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, and again on Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. A reminder of the full amount payment to PennyMac c/o FHA/HUD and was received, via USPS proof of Delivery and service signed by postal worker. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, c/o PennyMac, HUD and FHA had been notified of her application and nationality correction as of XX/XX/XXXX shortly after added her name but never sent out a new statement. I have not received any phone calls nor any letters concerning this payment matter as it was due on XX/XX/XXXX. The original payment was XX/XX/XXXX and also XX/XX/XXXX. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. 

I was told by PennyMac once before back in XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid and force me into foreclosure. As such USC 18USC3571, 18USC872, 18USC1001 18USC1621 forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to make threats of foreclosure by way of identity theft, and i have not received any documentation nor monthly mortgage statements as of XX/XX/XXXX. 

This debt is tendered as well discharge By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid.
Product: Credit card or prepaid card

Paypal automated system tried repeatedly debiting funds from my back up Bank acct when i have already notified them in advance not to ... .due to it being frozen. well everytime they tried and failed ... it started a long negative balance. well i paid the negative overcharges first thinkin that it would make it easier when i sort it out with them. NOPE ... ..they put me on HOLD til my battery died out ... .or accidentally repeatedly disconnected my call. Well, it gets worst.Now ... .all of a sudden ... .a big gap of activity summary is missing from my list ... .n funny how it's records of the overcharges they did that disappeared. I checked and double check the data sheet ... ..i overpaid paypal {$550.00}. So ... ..PLZ ... sum 1 help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX NE XXXX, 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 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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, credit repair services, or other personal consumer reports

information on report is incorrect. the fraud alerts were where ignored XXXXXXXX XXXX company. companies that where reorted to fraud dept. where given access.
Product: Credit card

My elderly father was a victim of fraud and financial manipulation by a timeshare company in XXXX. He lost {$150000.00} by sending a XXXX separate wires to XXXX believing he was selling his timeshare. He subsequently took a trip to XXXX and was told by the timeshare company that if he upgraded his timeshare for {$50000.00}, that he could sell it within three years for {>= $1,000,000}. He used XXXX credit cards ( XXXX and XXXX XXXX ) for a down payment of {$24000.00}. Once this was discovered, we put a halt to the payment. The credit card companies are demanding payment. I have claimed fraud and financial manipulation of an XXXX person, which is against the law in our state, but it does n't seem to matter. The credit card company is supporting the fraud and manipulation. We do n't know where to go for help. There does not seem to be any resource that helps XXXX victims of fraud. ANY direction that you could point us to would be very helpful. As his son, I have my fathers POA and can act on his behalf.
Product: Debt collection

XXXX XXXX XX/XX/XXXX in the amount of XXXX date discovered XX/XX/XXXX XXXX XX/XX/XXXX in the amount of XXXX and the date discovered XX/XX/XXXXXXXX XXXX XXXX XXXX the amount of XXXX and was discovered on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX and was discovered on XX/XX/XXXX I've tried disputing and they will not remove and they keep calling and i told them its fraud.
Product: Student loan

The covid hit. These were unsubsidized and subsidized loans. As well as Pheaa loans. I guess a bank bought the loans? I dont know but they are denying me covid relief from XX/XX/XXXX to the XXXX XXXX. I did not know a bank bought the student loans. Regardless they are student loans from AES. They are denying me covid relief on these loans. I owed {$18000.00} when my loans were original. 4 kids and two divorces later..i owe {$31000.00}. I am XXXX in XXXX. Please help. 
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Product: Credit reporting or other personal consumer reports

I've tired to fix this with transunion because the information they reporting does not BELONG TO ME. regarding national credit Aduit. I have attch my XXXX report my lease agreement between me an my pervious landlord years XXXX as well as my contract with government housing dated XXXX through XXXX 4 years at XXXXXXXX XXXX XXXX  XXXX I have right to ask that a consumer reporting agency block that information from your file. this identity thief has run up bills in your name and not pay them. i have provided the consumer reporting agency with proof of your identity and a copy of your identity theft report. 

regarding medical bill I have been on XXXX since XXXX. I called Texas health resources spoke with XXXX  in billing department she told me i have no outstanding balances with them. the information common wealth is reporting is fraud
Product: Vehicle loan or lease

On or about XX/XX/XXXX I received our 1st invoice from XXXX XXXX XXXX  on our XXXX vehicle we purchased we are happy with the purchase and the vehicle just not the hidden fees in this invoice dated XX/XX/XXXX it clearly states, there are 2 options provided on invoice website or call XXXX and underneath paragraph states " This service is free to XXXX XXXX XXXX customers ''. However when I called today XX/XX/XXXX they charged a hidden fee of {$7.00} processing fee for using phone service although paperwork states free???
Product: Debt collection

My name is XXXX XXXX and I am writing a complaint against the law firm of Slovin & Associates of XXXX, Ohio in regards to my student loan account which they purchased. 

I have repeatedly requested a written record of my account details including my remaining balance and the interest rate ( which I was told was 12 % ). 

I spoke with a woman named XXXX on several instances ( the last being XX/XX/2018 ) and was given verbal confirmation that my interest rate on a student loan was at 12 % .I expressed my concern at the absurdly high rate and she informed me that I could submit a letter for review requesting a lower rate. 

After a month had passed with no written letter containing the information I requested, I made another phone call on XX/XX/2018 and was connected to a man named XXXX. 
He told me that he was legally not allowed to send me any information on my account in writing. When I pressed him on this issue, he couldn't back up this statement with any fact and actually started to laugh at me the more questions I began to ask. 

When it comes time to pay this law firm every month ( which I have been ) they have no problem taking the money, but if I request information on the details of my account, they tell me it is illegal for them to do so. How is this legal? How is laughing at someone trying to get information acceptable? 

This is also the law firm that sued me and garnished my bank account of the only 2,200 plus dollars that I had to my name. I had no money to live on for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Money transfer, virtual currency, or money service

PayPal randomly closed my account for without explanting why, other than claiming I violated their Terms of Service, which is absolutely false. Everything was fine until a transaction was sent to me by a life long friend and I received an email from PayPal saying I could no longer use their services. Believe me, I have tried for literal months to get things resolved and they not a single employee ( if I'm lucky enough to get to a real person instead of a support bot ) will not help me with getting it back up and going. I reread the. I was thrilled when I remembered I could file a report on this amazing platform since they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I don't want to rant my whole overall opinion on how PayPal runs their company, but stuff like this happens on a regular basis and it is absolutely absurd. Almost 90 % of the funds to my name are locked in PayPal, and I don't have time to wait 180 days like they want me to do. There is absolutely no reason that this issue can't be resolved by PayPal support. 

My email linked to my PayPal account is " XXXX ''
Product: Credit card

as with other citi card, it was used with out my permission, charges were made and payments were made, not by me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed a letter certified asking the credit bureau to delete all inaccurate personal information reporting on my report. I called each of them and was advised that they would update information and inaccurate information would be removed. I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. However, the inaccurate information is still reporting. I have sent out yet another letter with verifying information to Equifax, XXXX, and XXXX to be updated immediately. Tracking number of letter XXXX, XXXX, XXXX. There should not be any aliases, unknown names, inaccurate addresses, nor inaccurate employment. In accordance with the Fair Credit Reporting act. 

The List of inaccurate names addresses, and employment attached in attachment has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 The credit Bureaus are still ignoring my request.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Formal Dispute of Inaccuracies on Credit Report XXXX XXXX XXXX Account Dear Equifax Dispute Team, I am formally disputing the information regarding my XXXX XXXX XXXX account on my Equifax credit report. The account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Current Balance Reported : {$8000.00} Date Last Reported : XX/XX/year> I believe that this account contains several inaccuracies. I request the following corrections in accordance with my rights under federal law : Balance Information and Status : The report lists that I have 0 % left to pay on this loan yet shows a balance of {$8000.00}. I request that this balance be adjusted to {$0.00} if the account is paid off. 
Payment History : The payment history inaccurately reflects that only 42 % of payments were made on time and incorrectly lists continuous Charge-off ( CC ) entries. Additionally, it reflects multiple instances of 30, 60, 90, and 120 days late payments that are inaccurate based on my records.

Account Status and Remarks : This account is currently listed as Charge-off with remarks indicating repossession, foreclosure ( RF ), and voluntary surrender ( VS ). I request that these remarks be removed if they do not apply to my account. 
Monthly Payment and Term Information : The report inaccurately shows a Monthly Payment Amount of {$0.00}. Please update this field to reflect accurate monthly payment information and terms. 

15 U.S. Code 1681c-2 : Under this law, a consumer reporting agency is required to block any information in a consumers file that is identified as a result of alleged identity theft within 4 business days of receiving notice. Please block this reporting while investigating.

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : This account is in violation by not being reported with 100 % accuracy, which is required under the Fair Credit Reporting Act.

15 U.S. Code 1681 ( Section 602 A ) : I have a right to privacy, and this account violates my federally protected rights to privacy and confidentiality. Additionally, 15 U.S. Code 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish accounts without my written consent. This has also been violated. 
I am requesting an original copy of the agreement and terms and conditions for this account. Failure to provide these documents within the legally required time frame will require that you delete the items mentioned above from my credit report. 
Please delete this account from my credit report unless the inaccuracies can be corrected and documented with 100 % accuracy. Failure to comply may result in a claim for {$1000.00} per account for violations of the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I look forward to a response and confirmation that my credit report has been updated accordingly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

From XX/XX/year> to XX/XX/year>, 10 unauthorized debits were made on my business checking account for a total of {$10000.00}. I filed a complaint with Bank of America on XX/XX/year>. To this date, Bank of America has only returned {$4500.00} an has not resolved or returned the rest of the money. Every time I call, I get rude employees and I am told to call XXXX XXXX, which doesn't make sense. I have been dealing with this for a long time and I am not receiving any help from BofA.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/2020 into the morning of XX/XX/2020, I was robbed of my cell phone and debit card in XXXX XXXX, LA ( I was presumably drugged as I don't remember much ). The thieves used my phone to access my PayPal account by changing my login password using my phone as the means of verification. They subsequently sent fraudulent payments to a " XXXX XXXX. '' I disputed all transactions ; however, the automated PayPal service to review fraud identified no wrongdoing. 

I reached out on multiple occasions to explain the situation. Finally, on XX/XX/2020, I was asked by PayPal to provide a police report. I did so, to which PayPal told me it didn't matter that I had a police report. As a result, I have a negative balance in the account of {$800.00}. As this was fraud, I don't believe I should have to pay this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, XXXX and Experian still continue to report this account on my credit report as accurate when in fact it should be removed. 

XXXX attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.