23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

PayPal XXXX trying to collect a debt of {$210.00} on an account that is not mine and opened in the year 2000 when I was a minor and I was not able to open an account. 
My current PayPal account under the address XXXXXXXXXXXX has been suspended due to PayPal stating that they found another account ( XXXXXXXXXXXX XXXX that they feel is linked to mine and they need to collect a debt of {$210.00}. I contacted PayPal and was told the account was opened in the year 2000 and the home address they said the account was opened under does not match any address that I have ever used. I made the customer service rep aware that in the year 2000 I was still a minor and had no way of opening the account in question. Also my social security card was stolen around that time and I had multiple accounts opened in my name by someone that was NOT me. This service rep told me to call back next week after an investigation was to be done and upon calling back the following week I was told the debt was determined to be mine but with no explanation or proof. I asked would I be sent a copy of the investigation report and was told no. I asked what could I send in to prove the debt was not mine and I was told, " prove you were a victim of identity theft. '' When I asked what type of documents I needed to send in I was met with the same answer but no specifics on what documents were needed to prove that the debt in question was not mine. I would just like this issue resolved with proper documentation if they truly investigated the account. 
Account ID : XXXX - XXXX
Product: Debt collection

I filed several complaints with the CFPB regarding XXXX  refusual to reverse payments to XXXX XXXX  Hospital. Primary complaint was for {$19.00} for failure to provide test result, failure to read and interpret XXXX XXXX ordered and failure to provide services of a doctor to a patient.

The CFPB complaint numbers areXXXX,XXXX,XXXX and XXXX at no time did XXXX  reverse the charges or provide me with any credits.

NPAS made harrassing phone calls and sent unwanted payment letters like the one attached.

I do not owe XXXX XXXX Hospital and and the several complaints with the CFPB and Suntrust has refused to reverse its decision.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit card

Citibank has changed its lending practices and is now restricting individuals who only receive non-taxable income from applying for XXXX XXXX credit cards. My uncle died last week, and I wanted to return to CT for his memorial service. I have GOOD credit with XXXX XXXX and, during the pandemic, applied and was approved for a card through them to fly. They recently discontinued their program, and now the only cards they offer are backed by Citibank. Citibank 's process prohibits consumers from applying if their total income is non-taxable. For instance, if you are a veteran and totally XXXX, you are restricted from completing the Citibank application process or claiming your total income as non-taxable. I believe their lending practices are discriminatory toward individuals whose sole income is non-taxable and specifically target and restrict people whose total income is XXXX or XXXX-based. Their process never included this caveat until now. I believe it to be a prejudicial and discriminatory lending practice. Based on their current lending practices, they should be prohibited from contracting with the U.S. Government. I was restricted from completing the application process, and unable to apply over the phone due to my XXXX. Citibank provides no other means for contacting them via e-mail, and I do not use social media. I find their NEW guidelines and restrictions on creditworthiness elitist and prejudicial.
Product: Mortgage

On XXXX XX/XX/XXXX I contacted Equity Prime Mortgage about late payments on my credit report with XXXX, XXXX and XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had filed for assistance around XX/XX/XXXX and I was missing some paperwork. I completed the paperwork because I was having COVID and I had asked this company to help me keep my home. Because I needed help and I did ask the company for help and I did get approved around XX/XX/XXXX, it is my belief that these late payments should be taken off all three credit agencies credit reporting. I have XXXX  XXXX XXXX and I need to refinance my home so that I can get out of the debt that I am in. I had to get assistance with my mortgage with the XXXX XXXX XXXX XXXX. I have to repay the money that I borrowed from the XXXX XXXX XXXX XXXX every month plus pay all my other bills which includes my mortgage each month. Because of the reporting of the late payments I am not able currently to get refinanced or get approved for other loans with other credit unions like my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer 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 loan payment account under an open end consumer credit plan as late for and purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am delighted to notify you that you have infringed against my consumer rights! Please be aware that ONLY fair and accurate reporting is necessary for the financial system to function! According to 15 USC 1681 ( 1 ), disclosing false and unfair credit reporting information erodes public trust. 

I would want to inform you that not only have YOU taken on a significant part in assessing my credit report, but you have also ensured that you respect my right to privacy! You must not disclose any transactions or interactions between me and the person filing the report at all, since I have the right to privacy. Communication with others on shared ownership can only occur if it is distinctly and unequivocally revealed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Mortgage

My mortgage loan transferred from Inspire Home Loans to XXXXXXXX XXXX in XXXX, XXXX However, not all of the funds in my Escrow made it to the second servicer during this transfer process. 

The second servicer, XXXX, claims that the first servicer, Inspire, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end XXXX statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. Inspire claims they sent $ XXXX to XXXX. And XXXX claims they received only $ XXXX. 

Lost {$6000.00} in Escrow with neither parties willing to help me.
Product: Student loan

There is no option to make a principal only payment on my Navient student loan. When I pay online, I see no option to make a principal-only payment. So either Navient has none and is violating the rules on prepayment penalties or they expect me to call them everytime I want to make a principal only payment. I borrowed {$25000.00} in 2001 for law school. The interest which has accrued and has been paid on this loan is {$46000.00}. Yet, they say I still owe over {$32000.00}. This is usurious to say the least but my complaint is that there should be a button I can literally press online to say I want to make a principal only payment and there is not. They make it literally harder for people to get out of debt. This needs to be addressed. At the rate I am making my payment, I won't be able to pay the debt off for another 9 years. The interest on my loan is currently 11 %. It is outrageous. That is unacceptable. They need to have a principal only option online payment option.
Product: Debt collection

XX/XX/2015, I reported to XXXX XXXX XXXX  that there were charges on my statement that I had not made. Prior to these fraudulent charges I had XXXX balance and wanted to close the account, which is how I discovered the fraud. 

XX/XX/2015, I received a letter from XXXX XXXX XXXX  Fraud Investigations, that stated " XXXX  XXXX has determined that you are not responsible for the charge ( s ) using your XXXX  XXXX credit card. '' I considered the matter closed, and that is where I went wrong. 

I have since disputed this with the Midland Funding, the collection agency that bought the now {$400.00} debt ( the original credit limit was only {$300.00} so how is that even possible? ) However, they are relentless, going so far as to ask me to borrow the money from my mom or my dad, who are dead! This despite the fact I tried to tell them the debt was not mine. All they care about is getting their money, not what is right. 

I have also disputed it through the credit reporting agencies. XXXX XXXX removed the negative mark, however, XXXX  has not. 

I have the original letter sent to from XXXX XXXX XXXX  as well as statements.
Product: Checking or savings account

Please refer XXXX on XXXX XX/XX/2022. At the most I got one call that somebody from PNC will call me back. That call never happened. 
XXXX transfers are totally unreliable and out of control. I am feeling so helpless and definitely hopeless. 
My personal finances are adversely impacted due to this. This XXXX started on XXXX XX/XX/2022 ( for {$5000.00} ) but it hasnt reached destination till now. 
I tried to get it cancelled but that's not possible. 
When I am trying to get money into this account- I am facing some unique hurdles that I can only deposit {$3000.00} per day not more than that. 
Any time when I do an XXXX  transfer, I am asked at least 5 secret questions This bank is totally impossible and very difficult to work with. Customer service and Branch manager are both out of the way and of absolutely no use. 
CFPB should not just forward the email but look into this. Even if this bank is 167 years old - the basic and fundamental are totally wrong. CFPB should close the business account capabilities of PNC bank- it's not at the level where it can be used in real world. 
What is the point of having a bank where the branch manager is simply clueless and asking customers to close the account when basic banking stuff is not working.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 As you know I live in XXXX XXXX, XXXX. In XX/XX/2017 we had two devastating hurricanes Irma and Maria. Because of these hurricanes our power, internet and postal service was down for almost a month. I had no way to make the payment on time and this is why it was reported 30 days late. As you can see, I have always made my payments on time except this one time. I kindly ask that you remove this late payment from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX   XXXX XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

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

Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 of 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

I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from credit acceptance/CAC, On XX/XX/2018 come credit acceptance/CAC, on XX/XX/2018 from credit acceptance/CAC, on XX/XX/2018/ from XXXX XXXX XXXX and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized business on my credit report
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

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, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX as well as the Inquiries from 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 has all 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

On the XXXX  day of the month of XXXX in the year 2024, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ) and Privacy of Consumer Financial Information Act ( Regulation P ) on my consumer report from TransUnion, the consumer reporting agency. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX XXXX  XXXX, a financial institution. Specifically, TransUnion, is reporting inaccurate and inconsistent information regarding the Payment Status and Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XXXX ; XXXX - XXXX, which violates section 602 subsection ( a ) and ( b ) of the FCRA. These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting an account status as paid and paying as agreed is not consistent and reporting could not possibly be accurate when the consumer reporting agency is also reporting the payment history as late. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, TransUnion, are nonaffiliated third parties to XXXX XXXX  XXXX and pursuant to GLBA and Regulation P section XXXX ( a ), XXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally regardless. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ) and Privacy of Consumer Financial Information Act ( Regulation P ) you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.
Product: Debt collection

I received an anonymous call at XXXX XXXX on XX/XX/XXXX which I ignored. The perpetrator ( who said his name is XXXX XXXX or XXXX? ... ) left me a voicemail claiming that he wanted to send a notice out to me and he wanted to advise me that it had to be signed for upon delivery. He left a number to call back XXXX and told me to use reference number XXXX, when I called he claimed that I was going to have my paychecks garnished by TD Bank. I do n't owe TD bank any money and my account was closed for inactivity back in XX/XX/XXXX/XX/XX/XXXX. I do n't know what is going on but this must be some kind of scam. Attached is a copy of the voicemail audio. Thank you for your time and anticipated assistance. <P/>Note : This is the third time I 've been contacted by someone about this bogus TD Bank debt over the last three years. <P/>Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX Date of Inquiry XX/XX/year>