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

I have had numerous people try to send me a reimbursement from the Paypal app or website. Paypal defaults to payments for " goods and services '' which takes a percentage of the payment. The default is confusing and tricky to fix. When they mistakenly do not toggle this off, the wrong amount is received because of the fees. When I return the payment to have them try again, Paypal still charges a fee to the sender because of the original selection. This happens over and over again, and the fees just keep adding up.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I entered into an auto lease for a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX, a verified 501 ( c ) ( 3 ) nonprofit organization. The loan was processed entirely as a business transaction, with XXXX requesting and receiving proper business documentation including nonprofit verification. 

When signing the lease agreement, I included " All Rights Reserved '' under Texas XXXX XXXX Section XXXX, explicitly preserving my rights and indicating my intent to maintain separation between the nonprofit business obligation and my personal credit. 
Despite processing this as a business loan, XXXX has reported this obligation on my personal credit report. This has severely impacted my ability to utilize my VA loan benefits as a XXXX veteran and obtain housing. 

On XX/XX/XXXX, I contacted XXXX 's Credit Bureau XXXX to dispute this reporting. Representative XXXX from Credit Bureau XXXX admitted that : XXXX " doesn't report to XXXX XXXX, only personal credit report '' This policy wasn't disclosed during loan origination Chase can not provide written policies regarding business vs. personal credit reporting When escalated, Supervisor XXXX  ( ID : XXXX ) further confirmed : The loan was processed as a business account Their policy is to report all co-signers personally, without distinction for nonprofits They refuse to provide written policies to customers They acknowledged that credit bureaus confirmed XXXX has the ability to correct this reporting but chooses not to This improper reporting violates several legal standards : Fair Credit Reporting Act ( accurate reporting requirements ) Equal Credit Opportunity Act ( distinction between business/personal credit ) Internal Revenue Code Section 501 ( c ) ( 3 ) ( separation between nonprofit and personal obligations is mandatory ) Texas Business Code Section 1.308 ( reservation of rights at signing ) Despite the organization continuing to make payments, XXXX refuses to acknowledge either the improper mixing of nonprofit business and personal credit reporting or to correct their reporting practices. 

The significant impact emerged when I attempted to use my XXXX  loan benefits for housing and discovered I was unable to qualify due to this business obligation being reported on my personal credit. As a disabled veteran, this has severely impaired my ability to access earned benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING LETTER WAS MAILED TO EQUIFAX AS TO MY REPLY TO THEIR LETTER Confirmation # XXXX Dated XX/XX/20. 

THE COMPLETE RESPONSE BY XXXX XXXX XXXX IS UPLOADED AS TO EQUIFAX 'S LETTER Confirmation # XXXX Dated XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that appeared while doing a credit check that was incorrect. This account has never been requested by me. It is a second mortgage debt through a company by the name of Select Portfolio Servicing. The account is said to have been opened in XXXX of XXXX   The loan was for {$100000.00} but there is a balance of {$55000.00}. We have never made a payment to this company and we have never been contacted by this company regarding payments or collections. We were not aware that this was on our credit report until we tried applying for a different loan with XXXX XXXX XXXX  recently. We did contact Select Portfolio Servicing directly and we were informed that they could not find that account in their system and they also could not match another account to my name, which is correct as we've never dealt with them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft SYNCB Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

experian 1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft SYNCB Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft SYNCB Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Credit Karma, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : 1. It has come to my knowledge and understanding that you have inquired upon my consumer report on behalf of Credit Karma on XX/XX/ and see attached for other dates. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Product: Debt collection

My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named Relin, Goldstein and Crane LLP has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 CFPB '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. '
Product: Credit reporting or other personal consumer reports

The continued publishing of this nonpublic personal information on my account for the benefit of Experian will be identity theft and violation of my consumer privacy rights.

I do NOT consent to them reporting any account to any credit report agency or selling my account to a third party. I am hereby invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al.

I am requesting that Experian provide written consent that I, the consumer provided that approved that publishing of of my accounts with 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 credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX XXXX XXXX XXXX  OPENED XXXX 2.-XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX2017, I borrowed the amount of XXXX USD. My purpose for the loan was that I was going through a divorce process. Since I have lost one of two jobs that I was holding, now I am unable to pay the amount of XXXX per month. My income can not cover this amount. I tried on many occasions to get this payment amount lowered. Integrity Funding XXXX will not work with me on a lower payment options. But instead XXXX ( Loan Rep ) yells and threatens to sue me and even threaten to call my boss to let him know about this debt, in which it puts me at risk to lose my job. Also they threaten to even repo my vehicle. I want to pay this loan, but at an amount that I can afford. I ca n't take the threats or harassment anymore. I am stressed, also XXXX from the loan company ( integrity funding ) did not even provide an mini-Miranda? Or even verify my DOB or Social? That is an FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with Freedom Debt Relief to consolidate my debt. My first payment was deducted out of my account in XXXX of 2018. My account shows that 2 accounts have been resolved, but when I look into details, I show that 3 payments have been made in full. This does not match my dashboard. The settlement amounts are less than the amount that the company claims has been paid. Im addition, my credit score stays the same or gets worse as time goes on. I reached out to Freedom Debt Relief in hopes of bettering not only myself, but my financial situation.
Product: Credit reporting or other personal consumer reports

They reported on ALL Bureaus an address in XXXX, California, where I never lived on my report. The sole purpose of the address was simply supposed to be a temporary address so they mailed my XXXX card that they have never sent to me since XXXX despite my many requests and countless calls to solve the issue. They also reported that i closed the account but i didnt. 2 Incorrect information that need to be removed and corrected immediately. They should not report incorrect information in people 's credit. Super incompetent staff and bad company to enter business with.
Product: Credit reporting

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it. 

Enclosure : Form XXXX A I TRY TO FIX THIS MISTAKE FROM 2013 TAKE THIS OUT OF MY CREDIT REPORT ( NOT MINE UNDERSTAND ) CHECK THE ATTACHMENT ( Enclosure : Form XXXX )
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX   : purchased virtual currency.   XX/XX/XXXX  : s old the purchased currency for a profit.
   XX/XX/XXXX    : The company, Coinbase, locked my account so i could not access my money, or perform further transactions.
  XX/XX/XXXX -T oday : almost daily emails,  XXXX , messages, service requests to either unlock my account, or return the cash to my bank.
Today : account still locked.
They have basically taken my money and kept it to themselves.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A section 2 also states consumer credit reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. 

XX/XX/2023 and XX/XX/2023 reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items o XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers : XXXXXXXX XXXX Employers : XXXX XXXX : XXXXXXXX XXXX  Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$6800.00} XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015 I sent documentation to Equifax disputing Unauthorized Credit Inquiries, Removal of Outdated Information, and accounts that do n't belong to me. The documentation was sent certified in which Equifax signed for on XXXX XXXX, 2015. I did not receive any response from them in reference to my request which on XXXX XXXX, 2015 I sent them another letter advising them that thirty days have passed and they did not provide me with any information that I requested. I also advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit bureau, I requested that they immediately delete the information from my report. As of this XXXX day of XXXX 2015. I have not received any documentation from them in regards to any of my requests.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft 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 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 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 A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses and inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXX Police Dept demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.
Product: Debt collection

According to my credit report, I have contacted them and requested my address, employment and account be removed. Its XXXX account that remains on my credit report TCS XXXX XXXX for a date od service in XXXX XXXX. I have contacted them directly. I spoke to a XXXX at XXXX and she told me that this billing company est. XXXX and they do not have any records of my information. She then told me to contact the doctor office XXXX XXXX and speak with XXXX at XXXX. They too have no records of me, by searching for my name and social. I was then told to contact the hospital XXXX XXXX XXXX XXXX in medical billing. I spoke to XXXX who said she has no records of my information.