23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

PayPal has failed to comply with the Fair Credit Reporting Act by taking adverse action against me and refusing to provide the name, address, and phone number of the agency that provided them with the consumer report they used so that I may obtain a free copy in order to dispute the inaccurate information contained there in. 

1 ) PayPal uses a verification process that includes matching your phone number to a consumer report. 
2 ) If PayPal does not match your phone number, they take adverse action against you by restricting how much money you can withdraw, refusing to allow you to connect your bank account for withdrawals, and charging you to receive a check. 
3 ) This action applies only to consumers who do not pass their verification process. 
4 ) I submitted my own phone number registered in my name. 
5 ) When PayPal ran their check, they said it was not mine. 
6 XXXX PayPal failed to provide the name of the reporting agency they used even after I requested that they do so. 
7 ) When I specifically referenced the FCRA, PayPal said they refused to owner requests for information by individuals and required a subpoena from an attorney or law enforcement XXXX. 
8 XXXX These actions are preventing me from learning what consumer reporting agency has inaccurate information about me so that I can correct it. 
9 ) It has also cost me money to receive checks rather than direct deposits that I would not have paid but for PayPal 's taking adverse action based on information in my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask to be opted out of my personal information. I ask that my information is not shared with third party companies. If I want to be opted out, I have the right to be opted out. VIII Privacy -Fair Credit Reporting Act Contents of Opt-out Notice ( 12 CFR 1022.23 ). A financial institution must provide to the consumer a reasonable and simple method for the consumer to opt out. The opt-out notice must be clear, conspicuous, and concise, and must accurately disclose specific information outlined in 12 CFR 1022.23 ( a ). including that the consumer may elect to limit the use of eligibility information to make solicitations to the consumer. See Appendix C to the regulation for the model notices contained in the affiliate marketing regulation. VIII. Privacy GLBA VIII1.2 The privacy notice must also provide, where applicable under the Fair Credit Reporting Act ( FCRA ), a notice and an opportunity for a consumer to opt out of certain information sharing among affiliates. Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have disputed this account for inaccurate information, yes XXXX  and Experian have not responded with accurate response.

2. In the payment history is says that the last payment is XXXX but the payment record it shows payment was made XXXX XXXX. XXXX is reporting inaccurate information. 

3. The Date of Last payment shows XX/XX/XXXX and says XX/XX/XXXX, yet the date last active XX/XX/XXXX - XXXX is reporting inaccurate information. 

4. Date Open : XX/XX/XXXX - Is not accurate. 

5. Balance Owed : {$7800.00} is inaccurate I'm requesting that accurate account information be presented and changed, or this account taken off my credit report, due to inaccurate information. This is a violation of my rights.
Product: Mortgage

On Monday, XX/XX/2024, I saw a home online and decided to take a half day from work to start the process of getting pre-approved for a loan and to go view the house. I contacted XXXX first and then contacted a local loan XXXX referred to me by my realtor. While uploading documents and going back and forth on the phone I got a call and was immediately told I pre-qualified for my loan. Due to not giving my information out to anyone except XXXX and the lady who was local, I assumed this call was connected to one of them. I was told to pay a {$46.00} application fee and then {$500.00} to lock in my interest rate. I am a first time home buyer and was not aware it was not normal to pay this money upfront so I quickly paid it hoping to get everything done in time to put an offer on a house that day. The only thing the people on the phone were worried about was getting the payment. I was asking about other things and they repeatedly said they wanted to get the payments to go through first, then we could go through everything. This company was Amerisave. After paying this money and being told someone would be calling me that evening with more information, I went to view the house where my realtor said that I should not have paid all that money upfront for ANY home loan process. Both myself and my realtor called XXXX back multiple times where we were transferred over and over to different people and voicemails. I asked to speak to a XXXX multiple times to try to get my money back and was given the run around. They would give me their names and then when I would call back they would say no one works here by that name. We have tried to call many times since that day with the same issue. I have also sent multiple emails where they stopped responding. The customer service is a joke. Do NOT do business with these crooks! I am a single mom and teacher and was highly taken advantage of.
Product: Payday loan, title loan, or personal loan

on XX/XX/2017 I applied for a Loan with OneMain Financial online. I was told that i was qualified for a loan based upon my pre-tax income and pre-credit screen online. I went through the entire process, a customer service rep called me walked through everything. I was mislead during the application process because on the phone they use a different method of calculating income and only look at your take home pay, which can vary significantly in my case. [ They do not disclose this to you on their website when you are applying that its a different method of calculation, they also do n't mention to you that they use a budget amount to look at your income when you apply ] My pre tax income is close to XXXX a month. My take home income is close to XXXX. Between both incomes I have elected about XXXX dollars in additional taxes taking out ( voluntary, selected most recently ) I also have a tip wage that is calculated in my income and pre-taxed which makes my income look lower. I was trying to explain this to the representative except she stated they do things differently when they calculate over the phone, and it 's different than online. They do n't tell you this when you are applying. It becomes very misleading lending practices. Had I understood exactly online when applying how things were calculated and that they look at a different formula I would 've never continued with the application because I would know that the loan I was applying would not meet their standards, and I would have been declined from the start. The process makes it seem so easy, your presented with terms based upon all the data you submit and they pull your credit online, but they do additional screening over the phone and have additional standards. They also look at your income differently when they talk to you over the phone, which again is not what is stated on their website when it asks for Income.
Product: Debt collection

Ally financial repeatedly calls early in the morning back to back starting way to early. Within a 1 hour time frame 4 calls have been made. I have a job and respectfully this is harassment. They claim I'm behind so paid 3 past due payments already and they just keep on it never stops!!
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Agencys Name and Address Navy FEDERAL RE : Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt.The account says closed charge off but the company continues to empty my checking account any time I have money in that account.XXXX the took {$230.00}. I also never received a 1099c form from this company.Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my XXXX loans were transferred from XXXX to XXXX XXXX. The change was never notated on my Experian report. I filed a first dispute with Experian on XX/XX/XXXX. No change was reported and it still shows that I have the account with XXXX open. Since the report shows accounts with XXXX and XXXX being open with a balance, it also shows twice the amount of debt than what I actually have. On XX/XX/XXXX, I called XXXX on their customer service line and they were unhelpful. They said that there is nothing that can be done on XXXX end and they advised me to file a dispute with Experian. I filed a second dispute with Experian on XX/XX/XXXX and no change was made to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting agency assisted in my name and credit report being used fraudulently by violating the following FCRA code. 
FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

SEE ATTATCHED
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Hello, My credit card information was recently stolen and used to purchase thousands of dollars worth of cryptocurrency that I never gave permission for. The day I was approved for a credit increase, the hackers maxed out my credit card. My bank said they will investigate. But the charges are still on my credit card. I cant make any payments now because its maxed out. I need help asap.
Product: Debt collection

WAKEFIELD & ASSOCIATES INC. Reported negative collection account ( medical bills ) to my credit bureau when, in fact the debt is not mine. They refuse to help me and refuse to remove it from the credit bureau.
Product: Credit reporting or other personal consumer reports

RE : Error in some of my accounts XXXX, Transunion & XXXX I have received a current credit report from your organization. Soon after investigating the various records, it is clear that the following accounts appear with no regard for accuracy as necessary by the Fair Credit Reporting Act. 

Creditor Information : XXXX  Account ID : XXXX Amount : {$9100.00} Description : As you learnt, by law, certain data in my report must be undistorted and verifiable. 

XXXX XXXX XXXX XXXX Account ID : XXXX Amount : {$0.00} Description : As you notice, by regulation, some data in my history must be correct and verifiable. 

XXXX XXXX  Account ID : XXXX Amount : {$0.00} Description : As you learnt, by legislation, some data in my archives must be factual and verifiable. I don't consider that the DATE OF LAST ACTIVITY information is correct so it should be right and established or destroy without hesitation from my track record. 

I'm actually worried about the consequences of this error given that I'm within the process of asking for a loan. 

I am asking to have these inaccuracies corrected as soon as possible, per my rights under the FCRA and Metro 2 guidelines. 

According to the Fair Credit Reporting Act, you must conduct an adequate investigation when consumer disputes information on their credit report. Additionally, Metro 2 rules state that the data furnishers must provide accurate, complete, and up-to-date information to credit bureaus. 

Moreover, should you be unable to verify the accuracy of these items, Metro 2 rules and FCRA require you to delete these from my credit record quickly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully ask some instrument that carry my signature on this account, or the items must be deleted from your report within the next 30 days.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the procedure utilised to decide the accuracy and completeness of the info is hereby requested too, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am writing to formally dispute the collection account reported on my credit report by JEFFERSON CAPITAL SYSTEMS, which I believe to be inaccurate or unfairly reported. The details of the account in question are as follows : Jefferson capital Account : XXXX Date reported : XX/XX/year> I am requesting that the CFPB investigate this matter, as I believe the reported information is erroneous and has negatively impacted my credit profile. My reasons for disputing this account the following : 1. Lack of Validation- Under The Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. The collection agency has failed to provide sufficient proof that I owe this debt.

I kindly request that this collection account be removed from my credit report or, at the very least, corrected to reflect accurate information. Enclosed, I have attached copies of my credit report.

Please conduct a thorough investigation into this matter and provide a written response outlining the action taken. I appreciate your prompt attention to this request. 

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

On XX/XX/2019 XXXX XXXX XXXX pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit file.
Product: Debt collection

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX. and myself, XXXX XXXX which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation.

This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations.

Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX
Product: Credit card

I received the so called " update '', which informed me of 1. the reduction of my credit limit by {$4500.00} and 2, no cash available.

The reason given- the credit score, which remains " good '' despite the Citi evil efforts to ruin my credit completely, It is because of the Citi adverse actions, 3 in a row, beginning XXXX, that my credit was reduced by {$12000.00}, prompting the Credit Bureaus to reduce the score little by little, every month, in a chain reaction, amidst no missed payments, no overpayments. 
The Citi deception and predatory practices has been their modethi of operation, This is the second credit card they made totally useless for me, leaving me unable to pay for dental and eye treatments, amidst those treatments, ( My insurance can reimburse me only after the expenses have been paid ). To continue calling their adverse actions ( this is the 3rd one ) an " Update '' is not legal, not human, and is totally amoral, And to do such thing with no warning?? 
Herewith I request that CITI immediately return my credit limit and cash access on this card Citi DIAMOND XXXX to where those limits have been been until 3 days ago, XX/XX/XXXX. 
I refuse to be responsible for the credit card I can not use when I need it for my medical treatment. NO USABLE CARD, NO PAYMENTS, I am sick and tired of the CITI deception, abuse, glaring incompetence and infinite greed, ATT/ CITI MUST ADDRESS THIS COMPLAINT SEPARATELY FROM THE COMPLAINT ABOUT ANOTHER CREDIT CARD, WHEREBY THEY RUINED MY CREDIT BY TWO ADVERSE ACTIONS, CITI MUST REFUND {$30.00} FOR MY HAVING TO PAY FOR THE SHIPMENT OF THIS CARD TO XXXX XXXX because they kept losing the new card in the mail. No surprise, the incompetents sent me more than once a credit card in other person 's name, Never even apologized. 
Attached please find a citation from my XXXX credit rating up to XXXX, the Citi adverse action letter, deceptively named " update '' and sent with no prior warning, Att/ my previous complaint about this card has never been addressed by the Citi , either here or in numerous messages sent to their so called Executive department