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

At approximately XXXX SAST time I received an email from PayPal stating the following : " We recently noticed an issue with your account. 
... 
Because of this issue, your account has been permanently limited. We understand this may be frustrating and inconvenient but you'll still be able to see your transaction history for a limited time. '' As I have not had any recent sales in my account I suspected my account must have been limited in error. Funds coming into my account were for my salary from XXXX XXXX and were not sales. 

I reached out to PayPal support ( the correct department ) on 3 occasions on the XX/XX/2018. I was told they are not able to provide me a reason for my account closure and I could not appeal. I was also instructed that my monies ( salary ) in the account ( approximately {$1.00} XXXX USD ) would also be held for 180 days and my PayPal account would not be able to ever be used for any transactions going forward. 

I asked on all three occasions I spoke to PayPal representatives what I could do to appeal or help the process of getting my account reinstated, and I am still willing to send any documentation that may be required. 

I believe it to be very unfair to shut an account with no prior warning, with a reason for closure supplied that is false ( PayPal stating closure is due to sales ) and to withhold my salary - and also not allow any future salary to be paid to me through the platform. 

The account in question is over 10 years old and has never had any fraudulent transactions or sales to date.
Product: Credit card or prepaid card

In Spring of 2018 a fraudulent purchase was made on my JC Penney Credit Card. I called immediately when I noticed to the customer service and they said they would fix right away. Instead of fixing- they deactivated my credit card, then replaced with a new one- transferring the full balance of the fraudulent charge ( and all that was listed on the account was " Balance Transfer '' not detailed out like before ). I then called AGAIN to see why my balance wasn't fixed, and I was then told when I made the last purchase- which was not my purchase, and that they wouldn't fix. I refused to pay anymore to the store card, which has now hit my credit report as a charge off, and late balances have accrued. I would really like this off of my credit report and fixed immediately, as it is affecting my ability to get student loans for my XXXX XXXX XXXX. It has caused my credit to drop which I have been in the process of fixing over the past few years ( I have 100 % payment on time, etc ).
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1

5 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, credit repair services, or other personal consumer reports

Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution Chase Bank and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

A venmo user with the username @ XXXX sent me several payments for money I was owed around XXXX XXXX XXXX. On XX/XX/XXXX I recieved an email from Venmo stating that the monry was charged back and I was sent into a negative balance with Venmo. Upon further investigation I learned that the user had used a stolen debit card from someone named XXXX XXXX and XXXX disputed the charges with her bank. Venmo opened a dispute but ultimately sided with the cardholder. I am now being made to pay {$340.00} of debt I can not afford due to someone using a stolen credit card on the platform. I have spent countless hours on the phone with Venmo support being told there is nothing they can do and that I must pay the negative balance on my account or be sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 States I have The Right to Privacy. 

15 U.S.C Section 604 Section2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without my Written Instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies my financial institutions and Zelle failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

In response to complaint id : XXXX I am aware that a charge off is viewed as a certificate of indebtedness, making it taxable income and potentially eligible for removal from records. Given this understanding and the appearance of this information across multiple credit bureau reports, I am seeking assistance in reviewing this situation. According to the Internal Revenue Service publication 4681, if a debt for which you are personally responsible is forgiven or discharged for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the four major credit reporting agencies, which indicate a charged off debt from XXXX XXXX XXXX reported on XX/XX/XXXX, totaling {$23000.00}. An authorized 1099-C form has already been submitted to the IRS, and I have both copies available for verification. The amount enlisted in the form will be included in my income for tax year XXXX and should also be removed from the credit reports since my credit history should not include income information. 
In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. I, as the consumer, have the right to safeguard my personal information, as supported by 15 USC 6801 which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX falls under the definition of a financial institution. 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided my consent for XXXX XXXX XXXX, Equifax, XXXX, XXXX, and XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any consent previously given is now revoked. 


Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out of such disclosures. XXXX XXXX XXXX did not inform me of my right to exercise this option. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit report furnishing to specific purposes. Equifax, XXXX, XXXX, and XXXX are failing to maintain reasonable procedures. 


Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account being reported by Equifax regarding XXXX XXXX. Under the data field " Whose account '', My name is not listed as being the owner of this account. Equifax filled in the data field with " individual ''. This does not properly answer the question " Whose account ''.
Product: Credit reporting or other personal consumer reports

Hi I found fraudulent account on my credit report please delete this account Account name XXXXXXXX XXXX XXXXXXXX XXXX line XXXXXXXX XXXX  Open date XX/XX/year>
Product: Student loan

I had a student loan of {$4000.00} some years back. Unfortunately, I couldn't continue to finish up with my XXXX  college education then, due to XXXX treatemnt and surgeries. However, I defaulted for a period of XXXX month, when I have to choose between paying or have my family XXXX XXXX XXXX in XXXX. I choose the the later for that breif period, whereafter I continued my payment ever since, after my recovery. 
Since then, the reported late payment had been an impediment from getting any form of loan, be it personal of business. It's been XXXX year of punishment for a late payment, which I have been faithfully paying until my moment of weakness, and thereafter. I tried to appeal for a removal this year XXXX, but was denied that it has to stay on my report for atleast 7 years. As a struggling XXXX XXXX, and a faithful taxpayer, this is unfair, because late payment due to XXXX  doesn't has to stop one from living a decent life. The balance left remaining is {$2900.00}, which I will continue to pay until the obligation is met. The account number for the subsidized and unsubsidized loan is XXXX. MyFedloan was recently transferred to XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. 

I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for several years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. 

This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. 

I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. 

Thank you for your attention to this matter. 

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

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  Account # XXXX : 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  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 customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX {$260.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$290.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX  XXXX bankruptcy needs to be deleted from my credit reports.
Product: Debt collection

Complaint is to unfair collection actions by the above named company. On XX/XX/XXXX, my husband received a call after XXXX XXXX from XXXX about a balance owed from our son. The collector gave private, personal information about our sons debt. My husband relayed on XX/XX/XXXX that our son did not live with us and to stop calling us. 

Today, XX/XX/XXXX, I received a call from XXXX with the same company in regards to my sons debt. He did not correctly identify himself. He told me about an accident my son was in, a debt he owed, and a balance owed. I explained my son did not live here and to please stop harassing us. He told me he was allowed to call me repeatedly. I discontinued the call. 

XXXX immediately called from the same number to my husbands work and proceeded to laugh into my husbands voicemail without identifying himself or the company. He just menacingly laughed into the phone and its the same phone number that XXXX called from. We find him leaving voicemail recordings of him laughing to be threatening, harassing and menacing. 

This company most certainly is harassing myself and my husband. Please advise.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amended the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated since the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards.

This is MY 4th REQUEST for a deletion of all personal identifiable information from my consumer credit report with the EXCEPTION of :
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to address an issue I encountered during my recent visit to Key Bank in XXXX Ohio on XX/XX/XXXX, for a scheduled XXXXXXXX XXXX. appointment. 

During my visit, I expressed interest in obtaining a personal loan. The loan officer initially attempted to assess my eligibility using my boyfriend 's credit, but as he did not have an established credit history, we opted to use mine. Following this, I was informed that a response would be forthcoming, prompting my departure. 

On Monday, XX/XX/XXXX, at XXXX XXXX., I received a call indicating that I lacked any credit history. I took the opportunity to provide evidence to the contrary, citing my successful completion of car payments in XXXX without any delinquencies. 

Subsequently, I accessed XXXX to confirm my credit status. To my surprise, all records appeared to be absent. However, I possess screenshots from XXXX XXXX substantiating my credit history. The loan officer mentioned the need to consult with higher authorities, but regrettably, no follow-up communication ensued. 

With this in mind, I reached out once more on XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was unavailable, and I spoke with XXXX XXXX instead. I conveyed the circumstances, to which she suggested that I might not have sufficient credit history. In response, I provided a detailed explanation of my creditworthiness over the phone. XXXX XXXX indicated that a requirement for three open accounts to secure a personal loan is a misinformed assertion. 

Regrettably, I am compelled to express concerns of potential discrimination in this process. Given my longstanding association with XXXX XXXX 's family, particularly with her child, XXXX XXXX, I am disheartened by what appears to be a bias against me. 

As of my last inquiry, my credit score stands at XXXX, a figure that typically meets the criteria for a personal loan. I remain committed to working towards a satisfactory resolution to this matter. 

I kindly request a thorough review of my application and a prompt response. Additionally, I would appreciate any specific feedback regarding the eligibility criteria for future reference. 

Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, PORTFOLIO RECOVERY A ( Original Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.