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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX try to report my account that over 7 years on my credit report. 
Its supposed to fall off my credit in XXXX but its still there.
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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My loan was transferred to XXXX XXXX, which I did not initiate. Payments are being made, yet they have not submitted this to the credit reporting agencies. They said it takes 30 - 60 days for them to do so. This is unfair because it negatively impacts credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving XXXX XXXX XXXX XXXX in XX/XX/XXXX. A few months ago I got some letters from my student loan lenders saying that my debt has been forgiven/canceled. This XX/XX/XXXX I filed a dispute on XXXX to remove the debt from my credit report. 15 days later the debt was updated to show the full balance on all 3 agencies and made my scored go down 7-10 points. It isn't going away automatically like the forgiveness letter stated and trying to report the forgiveness seemed to make things worse. What can I do?
Product: Debt collection

I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.
Product: Credit card or prepaid card

Dispute Tracking ID XXXX On XX/XX/2020, I transferred {$1200.00} from my Go Program Card ( issued by XXXXXXXX XXXX ) to my checking account. At the time of the transfer, the name of my bank XXXX XXXX XXXX with the below listed banking information : Account Number : XXXX Routing Number : XXXX On XX/XX/2020, the bank changed names to Georgias Own with the following new banking information : Account Number : XXXX Routing Number : XXXX This {$1200.00} transfer never made it into my account ( please refer to enclosed letter from my bank, the confirmation number and my transaction history ). 

I am making a complaint because I have sustained a {$1200.00} loss. Per several phone conversations with Go Program Card Personnel ( EPPICARD Payment Processing Service Customer Account Services ) I have been informed that we can see it in XXXX XXXX XXXX but I have not been given any proof. Additionally, I am requested that the transfer be reversed, canceled or refunded because I can not accept the fact that I am just simply out {$1200.00}. There must be a way to recover my money. 
All your help is greatly appreciated and I will be waiting for a telephone call.
Product: Credit card or prepaid card

In relation to a previous complaint about XXXX and their inaccurate 60 day late payment. My credit card company FNBO saw that 60 day late payment across XXXX different loans and my score dropping 80 plus points and slashed my credit card limit {$9000.00}. And this happened last Monday XX/XX/XXXX. 
I have called into their contact center and had it escalated to a Supervisor XXXX. Who advised me after explaining the situation that there was nothing that could be done and that I would have to wait 4 months to re apply for a credit limit increase. 

I also emailed their executive team as well. I received a follow up call the next day and that person reiterated the same sentiments as the supervisor. They took nothing into account about my plight and how the inaccurate reporting was to blame for my score dropping over 80 points.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not belong to me.
Product: Credit reporting or other personal consumer reports

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Vehicle loan or lease

Exeter Finance LLC repossessed the vehicle on XX/XX/XXXX while I was parked at the XXXX headquarters on XXXX XXXX towed the vehicle to XXXX Michigan it was two to three weeks later when I visited the facility to redeem my personal items from the vehicle the creditor was aware that I had been injured in a motor vehicle accident not at fault on XX/XX/XXXX and was unable to work at the salon to earn the extra money needed to maintain the {$680.00} monthly car note payments and the auto insurance, premium, though I reached out to the creditor to inform them That the vehicle was not running right after the accident and I wanted to turn the car in the representative dissuaded me and told me it would be abandonment so I discontinued the monthly payments to avoid the risk of a unforeseen accident occurring due to the wheel popping off. I dont agree how they failed to consider the injuries sustained though I am thankful for the payment extension provided the end of the year in XXXX the accident caused financial hardship and it being that the balance placed on all three credit reports after repossession of {$16000.00} poses a even more harmful, adverse impact to me. I would like consideration for my health and welll being I had every intention to keep the car and to Either trade the car in for a lower interest rate or lower payment but I was told the appraisal for the vehicle was negative equity, more than {$10000.00} I absolutely loved the vehicle and regretful that it was hit by a truck which resulted in repairs not adequate to Drive the vehicle any more.
Product: Credit reporting or other personal consumer reports

I've found inaccuracies on my credit report. 

Experian refuse 's to comply with FTC 's regulations to fix these issues. I am filing this report in order to keep track of Experian 's violations of my consumer rights. 

I do intend to pursue remedy in federal court if Experian continues to report inaccuracies on my consumer credit report, thereby hindering my access to credit, and thereby my quality of life.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX, BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR XXXX XXXX XXXXXXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT XXXX DIRECTLY. APPARENTLY THIS XXXX XXXX LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to Experian by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXXXXXX XXXX XXXXXXXX XXXX I want to report that XXXX is reporting things like incorrect credit card balances incorrect credit score report on XXXX page what monthly payment XXXX is supposed to report on my credit report correct things correct balances and correct score This is not the case. Wrong payment history. There are many things that are not transparent in my report. I want it to be investigated.
Product: Debt collection

I made a purchase from XXXX via PayPal.com for {$120.00} for some weights. When I tried to return the items, XXXX would not allow the return. They referenced their return policy and said my return was not within their time window. I responded that my return clear was within their time window. They denied the return multiple times and would not clarify the reason other than the general reference to their policy. When speaking or chatting with an individual, they would agree with my reason for a return and promise to send a return label. Then each time I would receive and email denying my return. This was a conspiracy by multiple employee within XXXX to violate their own policy and deny my return. 

I filed a claim with PayPal.com to refund my purchase. PayPal then engaged in a conspiracy with XXXX to deny my claim. They did not provide any response or rational from XXXX in denying my claim. They asked irrelevant questions, such as " why do you want to return the item '', and used the answer as a basis for denying my claim. PayPal.com policy does not discriminate on the reasons for returns. PayPal.com, in conspiracy with XXXX, violated their own policy in denying my claim. 

PayPal.com then charged and additional {$120.00} to my PayPal.com account. This charge was unauthorized and fraudulent on the part of PayPal.com and likely a criminal act. This additional charge was in violation of PayPal.com policy and was outside the scope of my original claim. I was asked for a refund ; how can I possibly incur additional charges? 

Again, this points to PayPal 's conspiracy with XXXX to deny my claim despite both XXXX and PayPal policies affirming 1 ) my right to return the item and 2 ) my right to receive a refund for returning the item. 

I am disputing {$250.00} in charges for a {$120.00} returned product. I am also asking for a criminal investigation into XXXX and PayPal.com practices. 

I should note that PayPal has refused to speak with me when I have called in. I have been put on multiple terminal holds. They have refused to clarify or provide justifications or reasons for their multiple denials.
Product: Credit card or prepaid card

Incorrect information on credit report Creditor XXXX XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX XXXX XXXX XXXX Balance {$570.00} XXXX Act. # XXXX Opened XXXX Reported Closed Condition
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023 account history for my XXXX XXXX credit card account was reported to have changed on my Experian Credit Report. Upon review, I saw that all of the account history for the XXXX XXXX account was deleted, the account status changed to " XXXX XXXX '', and the account was being reported as " in dispute by the subscriber ''. The account status should indicate the account is in good standing. I contacted XXXX XXXX, they indicated they have never reported any accounts in my name as being in dispute. Because they did not report this dispute, they are not able to make any corrections related to the inaccurate reporting because they have no record of any dispute ever being reported. I contacted Experian thereafter who claimed that XXXX XXXX did report the dispute and that they could not update the account history unless they received communications from XXXX XXXX. This account was opened specifically for credit rebuilding ; removing the payment history resulted in decrease in my FICO credit score. The attached documents show that as of XXXX 2023 timely payments have been made and the account is in good standing, to report otherwise is inaccurate and is a violation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX ACCOUNT has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit credit plan as late for any purpose.
Product: Debt collection

I checked my report for accuracy and saw an account for XXXX XXXX XXXX and the Original creditor : XXXX XXXX in the amount of {$1100.00}. I was in an XXXX  marriage for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXXes due to the ongoing XXXX. I finally came forward about the XXXX  and the XXXX  put him in jail, and expedited the divorce. I am now on my own and in the process of trying to get XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just started a new job, and now i am trying to get approved for my home. I am requesting to settle this debt with {$500.00} and deletion of this debt when paid in full. I need to start over successfully with my kids as a XXXX mom.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax failing to properly investigate my disputes regarding inaccuracy in my credit report. Equifax responds in 24 hours stating that the account is accurate without providing evidence of a thorough investigation. The practice violates the fair credit act ( FCRA ), 15 U.S.C 1681i which mandates reasonable investigation of disputes. Furthermore Equifax action may also contravene the consumer financial protection act ( CFPA ). This are the accounts that are inaccurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ), dba XXXX XXXX XXXX ( " XXXX '' ), failed to get preauthorization for my hospitalization in XX/XX/XXXX. When insurance was denied, I informed XXXX, as advised by insurer, that they needed to file a retroactive preauth request. In numerous emails they assured me they were doing that, and " Please rest assured that your account is on hold while this is underway [ XXXX ], '' and " Please allow more time as the correction is underway [ XX/XX/XXXX ]. '' That was the last I heard until I received an XX/XX/XXXX collection letter from ARstrat of XXXX TX. i immediately wrote both XXXX and ARstrat to flag their error and requested correction by XXXX. I have received no reply. 

The company contacts are shown on the attached summary of correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, Experian, and XXXX  picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to Experian and XXXX  and still going through this after getting a letter from XXXX  that it was deleted.
Product: Money transfer, virtual currency, or money service

Hi, This is for the Coinbase referral program where you can refer a person and as long as they buy {$100.00} in Bitcoin, Coinbase will give {$10.00} to both parties. 

I referred my spouse and she bought {$100.00} of BTC on XX/XX/2021. The total transaction was {$100.00} as {$2.00} was the Coinbase transaction fee. 

It has been 10 days and neither my or my spouse have received the {$10.00} in BTC. I reached out to Coinbase support and they said that their referral program is fully automated, please check their website XXXX XXXX  : XXXXXXXX  ) for their referral program rules and verify that all steps were done. 

I have completed all their requirements listed on their website and after reaching out to them, they kept repeating the same thing to me through email correspondence. At this time, there is no way for me to verify why I didn't receive the referral bonus and they refuse to provide any additional information about it. This is the same messaging I receive : " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. 

A few of the more common reasons are that the account was created but not completed or verified, or that the account has not fully complete a purchase up to {$100.00} worth of digital currency. 

You can see more information on our referral program here : XXXX : XXXX '' I purchased the {$100.00} in bitcoin due to the referral bonus and based on the emails I've received, it seems like a giant scam & false advertising on how to receive {$10.00} in bitcoin  for both parties.