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

My complaint is with PayPal Business Services. PP is the company we use to accept credit card payments from our customers. We have used them for years. last week on XX/XX/XXXX we transferred {$10000.00} from our money being held at Paypal to our commercial bank account. On XX/XX/XXXX Paypal did something they term as a PAYPAL REVERSAL for the {$10000.00}. Our bank has verified this was done by PayPal and PayPal, after hours of phone time admitted to having done this but they said that it might be up to 10 days to get our funds returned as they were not certain if the reversal has gone through yet! 

PayPal is a HUGE machine for this XXXX old to navigate. They do everything on their terms. I need this money. It is a healthy sum for a small business. I am grateful it did not cause us to bounce any checks, but that certainly could have been the case. 

Can you email with any info for a contacts you may have at PayPal. Or Call me at XXXX XXXX XXXX A to Z Advertising, XXXX XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you in advance for any advice in this matter. 
My e-mail is XXXX, XXXX Highway XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX A to Z
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX : I have dispute with XXXX XXXX XXXX. I bought a vehicle and the loan was from XXXX. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.
Product: Credit reporting or other personal consumer reports

To whom it concerns, Early Warning Services LLC, Does not allow me to login to the consumer portal. Instead when I attempt to reset the password it tells me " Access Denied '' I was sent an email telling me my password reset was denied. To call. I am not sure why it was denied, and I am using my correct email. I am a victim of identity theft, and Early Warning Services LLC, Has several accounts reporting that I did not consent to nor open. These accounts were opened by an identity thief and Early Warning Services, Was sent a Police report, and Identity Theft Affidavit, and Early Warning Services still denied blocking the fraudulent information. I did not fill out any account application. Nor did I provide any of these companies with Identification or account signature. Early Warning Services refuses to let me access my Consumer report also. Which I should be entitled to because of the fraudulent information being reported on my Early Warning Report. However they will not allow me to login. I have not applied for nor utilized any accounts with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX. These accounts were opened as Identity Fraud, along with XXXX XXXX XXXX XXXX. I want these accounts blocked from my consumer report. As a victim of identity theft. It is my right to request for the information being reported due to the theft / fraud to be blocked. I have attached a Police Report and Identity theft Affidavit, and I am requesting these accounts to be blocked and for Early Warning Services to provide me access to view my consumer report online again. These accounts should not be reporting on my report, as I did not grant them access to open these accounts to begin with. I did not provide my identification to these companies, and I have not received any monetary benefit or service from these accounts.
Product: Mortgage

Every time I call customer service I must wait on hold for at least an hour to speak to somebody. This is a hardship because I am at work and don't have an hour to wait on hold! They offer to call you back if you can't wait but sometimes that takes hours and you may miss the call. This basically makes it impossible to get service. I'd switch to different service if I could, but what choice do I have?
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I look forward to an expedited deletion of these erroneous items.
Product: Checking or savings account

My statement doesnt look right, looks like funds are missing & everything I purchased isnt on my statement + its been happening for months I thought the company would fix the issue but it seems they are stealing.
Product: Debt collection

I am not responsible for this debt that's listed on my credit report. Diversified Adjustment place this on my credit report with giving a noti e to dispute which is a Volation of my consumer rights. This account shall he removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, ( CFPB Complaint XXXX XXXXXXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Debt collection

The attorney and XXXX XXXX is attempting to collect the wrong amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continued to allow unauthorized and fraudulent inquires to remain on my credit report, even though they have been informed via multiple disputes delivered by certified mail and a former CFPB complaint. I recently applied for new credit and was denied due to " too many inquiries, '' and the bank informed me that it would have been approved if there were less inquiries. 5 out of the 9 inquiries that I currently have on my Transunion Credit report were unauthorized and fraudulent. The unauthorized inquires are the following : 1 ) XXXX - XX/XX/XXXX 2 ) XXXX - XX/XX/XXXX 3 ) XXXX XXXX XXXX - XX/XX/XXXX 3 ) XXXX  XXXX - XX/XX/XXXX 4 ) XXXX   XXXX - XX/XX/XXXX ... ..

It is truly disheartening and unnerving when a Credit Reporting Agency, such as Transunion, has utter disregard for Federal Law and the economic harm that can befall a consumer when these Violations of the Fair Credit Report Act ( FCRA ) happen. The FCRA, specifically 1681e ( b ), which requires a credit reporting agency to follow reasonable procedures to ensure maximum accuracy, 1681i, which requires a credit reporting agency to comply with certain reinvestigation requirements, and 1681b, requiring a credit reporting agency to provide a consumers credit file to companies only if it has determined there is a permissible purpose, are important and essential elements of FCRA. However, any negligent and/or willful violations of any of these provisions can cause irreparable financial and economic harm to a consumer. The inquiries mentioned above are obvious permissible purpose violations, and they need to be removed immediately. I have contacted the creditors, I have disputed the inquiries with Transunion, and they now remain as a willful violation FCRA 1681b ( a ) ( 3 ) ( A ). Please remove them immediately permissible purpose violation
Product: Credit card

In a attempt to clean up my debit with discover I agreed to a XXXX time payment for this monthly only of XXXX   and XXXX a month starting next month the company took XXXX this month causing overdraft fees and causing me to have to pay XXXX per transactions  that bounced. I never agreed to XXXX this month. To make matters worse they refuse to fix the problem and the number they gave me to call for any problems is not available during the hours the  rep told they were open. I spoke with a manager at discover XXXX call center named XXXX and he refused to help or transfer to the general manager and told the problem would not be fixed  for days. meanwhile my account is still racking up charges..
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. Has Violated my rights. 

1. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX/Account Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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: Student loan

In XXXX Sallie Mae decides to switch to another third-party service or however I had agreement already set in place for settlement to pay around {$130.00} a month for a settlement of XXXX and some change with the previous third-party services. I have already paid XXXX of that and I was in constant communication with the previous third-party. Sallie Mae is now trying to renege on that agreement for settlement theywill not work with me to negotiate a better price than what they are trying to offer now With the new third-party service. The The current servicer is stating that Sallie Mae is denying my quote request to continue the settlement already had in place.Currently Im only able to afford XXXX as agreed-upon and It is unfair that they would try to Reneged on the agreement of settlement and try to charge me more. They are cracks and they are not honest even the new the third-party vendor was willing to work with me as far as keeping the same Agreement and settlement.However when I call Sallie Mae it was denied.
Product: Credit card

On XX/XX/XXXX, I applied for a Bank of America XXXX  credit card under my name alone and was approved. After receiving the credit card and activating it, I attempted to use it and the transaction was declined, I called the number on the back and they stated that it is good to go, I attempted to use the credit card again and it was declined again. I called them up again, and they apologized for the inconvenience but assured me the credit card is ready for use. I attempted to use it again and was declined again. 

I want to disclose that I hold a legal permanent resident card from the XXXX. I am an employed XXXX XXXX and made more than {$200000.00} the past year, XXXX. My husband also applied for the same credit card under his name alone and it was also approved. He is XXXX, born and raised, US citizen he only receives less than {$1000.00} in social security and was approved the same amount as I did, {$13000.00}. He does not have any declined transaction with his credit card, but with mine I have never had the opportunity to use the card a single time because every time I use it, the transaction gets declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I contacted the FTC The attorney general And also the XXXX  This account titled XXXX on my consumer report was acquired threw deception and fraud This account must be blocked immediately in pursuant to section XXXX under the FCRA And none of these consumer reporting agencies Have fixed the issues
Product: Debt collection

The company calls average 3 times a day every day XX/XX/XXXX:2 times XX/XX/XXXX : 3 times XX/XX/XXXX : 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 3 times XXXX 3 times XXXX 1 time
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I'm trying to get it back. I have discovered and disputed accounts inwhich I have absolutely any knowledge of whatsoever. I'm requesting that the following accounts be removed/ blocked from my credit report. The accounts are XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX. Two of the three credit reporting agencies has honored my request. And hopefully the 3rd one do as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a XXXX XXXX alert regarding a hard inquiry on my credit. The notification indicates that the inquiry was conducted by Capital One. The following company contact information was also provided ; XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I contacted Capital One and was informed that there was no application under my name or social security and to report the inquiry to the credit bureau.
Product: Credit reporting or other personal consumer reports

I uncovered that the Department OF Education /AIDVANTAGE located at Aidvantage Federal Student Aid Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX And also at Aidvantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to issue a significant loan against my credit, claiming I was a responsible party and a co-signer of an educational loan. This constitutes identity theft. I have never taken out such a loan, nor have I signed or given verbal consent to be a co-signer for anyone involving XXXX XXXX In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ).
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Jefferson Capital Systems regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Jefferson Capital Systems. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Jefferson Capital Systems had the legal right to collect the debt. 

Despite my request, Jefferson Capital Systems failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Jefferson Capital Systems did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Jefferson Capital Systems immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several disputes of a chapter XXXX on my credit file. I disputed and ask TransUnion to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. TransUnion is giving no proof of investigation!! TransUnion just reporting it was investigated with no proof of where the information is coming from.
Product: Mortgage

We applied with our lender for a loan modification before and after our Chapter XXXX bankruptcy. I had been out of work for two years and my wife had XXXX. We are on our feet again and want to keep the home and pay the mortgage, The lender, US Bank seems to be purposefully doing our loan modification application slowly while at the same time there is a trustee sale scheduled for XXXX/XXXX/2015. We have a account contact person but they are not helping in any way and never return our calls or emails. The trustee attorney for them is no help either.