23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I applied for the application for withdrawal of file form XXXX, Notice of Federal tax lien ( form XXXX ). I was approved on XX/XX/1016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release forms ( which I will also attach here for you ). I have also verified that the county lien withdrawals have been recorded. Equifax continues to improperly report the liens and refuses to recognize the withdrawal. The other CRAs ( Experian and XXXX ) removed the liens from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed an FTC on XX/XX/2021 and nothing was done by the companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts to be deleted immediately : 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 card or prepaid card

XXXX disputes since XX/XX/2023, XXXX written letter to my credit card company, and XXXX calls to my credit card company later. Still no success. 

I paid off my balance in full in XXXX of this year. My balance is {$0.00} and my credit limit increased by $ XXXX. No updates have been sent to any credit reporting agencies on this particular credit card since XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Seq Fin Servces 2XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Debt collection

I had a judgement on me from XX/XX/XXXXvia XXXX XXXX. Who is now Troy capital. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 Troy Capital is not the original debt.. it was XXXX. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.
Product: Credit card or prepaid card

Synchrony bank closed my Sam 's Credit Card and all my credit cards associated with Synchrony bank. 

Synchrony bank closed my Sam 's Card to not pay the cash rewards that I have earned approximately {$5000.00}. 

They stated that to contact the credit bureaus, which I do not have any missed payments or derrogatory issues on my credit report. My credit score is over 800 with no missed payments of any kind.
Product: Money transfer, virtual currency, or money service

Dear CFPB Team, I am writing to submit a complaint and appeal against the permanent limitation that was placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

Firstly, I would like to emphasize that I have always followed PayPal 's policies and guidelines in using my account. I have never engaged in any fraudulent activities or violated any terms and conditions of the platform. Therefore, I strongly believe that my account should not have been permanently limited in the first place. 

Secondly, I would like to request PayPal to re-investigate my case and restore my account if possible. I understand that PayPal has its own security measures in place to protect its users, but I am confident that upon further review of my account activity, it will become clear that I have not committed any violations. 

Finally, I would like to express my disappointment and inconvenience caused by the limitation of my account. As an active user of PayPal, I have come to rely on its services for my day-to-day transactions. I would greatly appreciate it if my account could be restored as soon as possible. 

Thank you for taking the time to review my complaint and appeal. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt or credit management

I was trying to get into a tent to own home but credit score was an issue so I got hooked up with Lexington law who promised they could fix my credit to get me into a home but I had to pay so much up front before they world help me then they charged me monthly fee to continue supposedly fixing my credit
Product: Debt collection

I have received upwards of 2-3 calls daily regarding a debt I owe to XXXX XXXX XXXX Two weeks ago, I spoke to someone and informed them I would like to cancel the program rather than continuing and I would work on making payments beginning in XXXX. Each time someone calls, they are incredible rude and unpleasant to deal with.
Product: Debt collection

During the pandemic I fell behind on my rent and the apartments were paid by an agency that was helping people i n need. Even though the eviction moratorium was in order the apartment complex still added extra fees. I lived there for 5 years and had constant problems with mold, roof decaying from water damage, roaches and overall just things breaking or falling apart from the poor work that they had done to the apartment. Once I moved out the apartment was actually in really good condition because I cleaned it very well and they still tried to add on more money on things like repainting a tub, fan etc. I have pics and video of the way that it was left and they definitely went overboard. They also kept my deposit which was the same amount as the rent so in all fairness they should not have put anything on my credit making it hard for me to lease an apartment. I was constantly harrased in a time that they should have not been harrasing me and then to add things that were unfair and keep my deposit. This company is horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

The debt collection company and credit bureau kept XXXX different accounts that were in collections on my credit report well pass the statute of limitations by illegally re-aging the accounts multiple times after they were suppose drop off my report. And I also believe that XXXX of the XXXX delinquent accounts were not my debt. And this has caused me to have terrible credit for years. And I requested a copy of all my debt information from the collection company 2 months ago and still have not received it. After I requested debt information they took those accounts off my credit report but the damage has been done. I incurred those debts in XXXX and never received a bill so I never made one payment so therefore statute limitation has been up and i just got them to remove the negative accounts XXXX of 2016. And when I contacted the collection company in XXXX of 2016 and explained to them the statute of limitations was up they told me there was no statute of limitations on my specific type of debt, which is totally false.
Product: Credit reporting or other personal consumer reports

These consumer reporting companies are reporting inaccurate information. They are reporting debts that have been discharged.

A demand for payment on a discharged debt is a false, deceptive, or misleading statement in the collection of a consumer debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ) as the debt is no longer owed.

The debt was cancelled, discharged, and ACTUAL DISCHARGE occurred. To memorialize it, these companies issued a 1099-C form. In box 6 the code H was selected. 8. Other actual discharge before identifiable event. This was done in accordance with Internal Revenue Service instructions. " Enter H in box 6 if there is an other actual discharge before one of the identifiable events listed above.

Debt collection activities means any activities of a debt collector to collect or attempt to collect, directly or indirectly, a debt owed or due, or asserted to be owed or due, another. Reporting on a consumer report is a form of debt collection, so now these companies are violating the FDCPA as well.

Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law.

They also can not lie or use profane or obscene language. Reporting that I owe any alleged debt is profane and obscene to me.

As such, one of the common FDCPA violations includes misrepresenting themselves or making false statements to leverage fake authority. Debt collectors must identify themselves and give you accurate information about the debt in question. These companies are not giving accurate information. To third-party reporting companies.
Product: Debt collection

I requested XXXX XXXX to be canceled XX/XX/XXXX. I had {$0.00} balance on my account. I moved and kept equipment to possibly reactivate service at new address. Apartment management said no equipment can be attached to the building. It took several months to get the response from apartment management. I was contacted by XXXX XXXX XXXX by mail and phone. We discussed the amount owed and that it is for the equipment I had not returned. I returned all equipment XX/XX/XXXX. I still received statements through USPS requesting I pay the account balance for the equipment. I contacted XXXX several times telling them I had returned all eequipment.I emailed copies of the returned equipment shipment invoice. The charge still wasn't removed from my account. I spoke to several customer service agents and I was told by one agent that the equipment has been received but not entered into my account file. The agent assured me that the account would be updated and the balance would be removed. I received another phone call from XXXX again requesting me to pay the amount due and that it is now because the service was not deactivated as I requested by phone on XX/XX/XXXX. I no longer had service and also the equipment was packaged and still in moving boxes. The problem is now after XXXX received the equipment, the amount said due was now for service apparently not deactivated as I requested on XX/XX/XXXX. XXXX  can access the account to see that the service was not being used. I would not move to a new address without deactivating service knowing I would continue being charged monthly. Please if someone can help resolve this incorrect information as it has affected my credit score significantly. The account was supposed to be closed and I I returned the equipment as requested and the amount due was supposed to be removed and the balance should be {$0.00}. Please respond with any help and or advice regarding this dispute. 
Thank you, XXXX XXXX
Product: Credit card

I've been having a Citi credit card for years. A little over a year ago my card had a fraud alert that someone tried to use my card. I am single and l and NEVER give me card to anyone to use. I called Citi and they had to issue me a new card. I asked them to expedite the shipment of the new card and they did. 

On XX/XX/year>, I had a fraud alert on my new card of only a year. I called Citi and they are going to issue me a new card. I asked them to expedite the shipment of the card as I use this card for everything. I use it to pay my bills, gas, groceries, doctor appts, etc. I rarely use my card to make purchases online!!! NOT SURE HOW THESE FRAUDS ARE OCCURING. The rep says she tried but was having trouble. Today, XX/XX/year>, I go online to my account, and it has NOT shipped yet, so I called customer service again to see if I could get it expedited. I was told " NO, they don't do that anymore. I have to wait 7 to 10 business days for it to be mailed to me. As a long-standing customer with excellent payment history, Citi would not accommodate me. This is very frustrating as I, the customer, is the one who is being penalized for someone trying to use my card. I now have to go to the bank and draw out cash to make my purchases. These credit card companies need to find a better way to get a credit card to an existing customer without this long wait. They also need a better system to protect customers from this kind of fraud taking place. In today 's technology, you would think they would be something safer to use. The card has this XXXX digit code on the back that is supposed to be for that, however, NOT all merchants when ordering online ask for this. Charges to a credit card should require a pin or a fingerprint or something unique to the card holder in order for a purchase to be allowed on anyone 's credit card. 

I am truly frustrated that I am a victim of this, yet I am the one who suffers the most. I will start searching online for another credit card company that I may have to switch to since this is the type of service Citi is providing to it's customers.
Product: Debt collection

A medical collection attempt from Medical Data Systems. One is dated XX/XX/XXXX and the amount is {$75.00}. The other one from the same company is dated XX/XX/XXXX for {$66.00}. I have no records or knowledge of any medical services from those dates or those companies. 

I submitted a dispute and this company did not verify the debt. The accounts were removed from my XXXX report, but have yet to be removed from XXXX and XXXX.
Product: Mortgage

As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.
Product: Student loan

The Department of Education have active federal student loans reporting on my credit report. I am still currently a student and these loans should not be reporting as a debt. Reporting these balances has lowered my credit so that my credit can not reach a 625. I've had numerous of loans and credit cards that have been paid with 100 % payment history for 7 years. Yet, i can not get approved for a car loan. It should be unconstitutional to report a debt that is not yet owed until the student is finished with college. I still have years before I finish and this is hindering my life.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report FactorTrust has been reporting inaccurate data on my report such as inaccurate addresses and an inaccurate phone number. The inaccurate addresses FactorTrust is reporting is not deliverable to me by the XXXX XXXX XXXX and its not reported as per FCRA section 623 as its inaccurate. Also the home phone number that is being reported is inaccurate as well and needs to be removed off my consumer report immediately. Attached will be a copy of my State issued ID together with my recent bank statement to proof of my accurate address that needs to be updated on my factor trust consumer report.
Product: Debt collection

I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next XXXX minutes in which I hung up. I called back, XXXX said it was a chain of which I needed to go through, I did swear, but after XXXX minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.