23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX  Bank/PayPal Credit.
Product: Credit reporting or other personal consumer reports

**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Capital One - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this debt. 
Balance XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this debt. 
Incorrect Name - XXXX XXXX  This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. 
Enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX Auto account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

Equifax is continuing to report inaccurate information on an account that I disputed with them. I have continuously ask for proof of their findings to validate why this is still on my report and they have fail to provide it. I have contacted the collection agency to ask why are they continuing to try and collect after being to told to cease and deceit prior to the being report to the bureau and was told the credit bureau are reporting without their consent. I have request to prove your accuracy are remove it at once and nothing has been done. I hope reporting them to CFPB will help
Product: Credit card or prepaid card

I filed the card fraud on XXXX XXXX, my mother XXXX XXXX Filed a shared account she said with my information for a credit card. We dont live together and i never gave her permission she spent over XXXX dollars and i didnt find out about the until one month ago just found out she had it and it says since XXXXI didnt have credit or a credit card at all good thing i did a credit check to see
Product: Credit reporting or other personal consumer reports

Hey I am filing a complaint against XXXX, Equifax, XXXX I have a item on my credit files stating XXXX  dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate this.
Product: Checking or savings account

In 2006 I asked my cousin to open an account using an endowment check issued to me from the XXXX  XXXX XXXX. I was unable to get to the bank myself and the XXXX XXXX  XXXX XXXX advised my cousin that the only way for her to deposit the check would be to open a joint account with herself as the primary account holder. About a week later, after the check had cleared I called to find out if they needed additional information from me. They subsequently closed the account because I was not present to verify my identity with government issued identification. The bank sent the account balance in the form of a check to my cousin because she was the only address they had on file. There were zero withdrawals and only one deposit of a check made out to me and I feel they essentially laundered the money to my cousin and now she refuses to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX and new reference number is XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : SXXXX 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Please see attached CARVANA GROUP , LLC RESPONSE to my initial complaint # XXXX Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX the Chief Financial Officer and his compadres to mishandle my securities. 

I also emailed XXXX, as requested in the contract for an initial claim to settle with arbitration and got NO REPONSE, so here I am-AGAIN!
Product: Mortgage

Hi, I am customer of https : //www.spservicing.com/ my LTV ratio is lower that 60 % almost and they are not removing my PMI until XX/XX/2025. I already had some financial trouble with fire and increased property taxes in XXXX XXXX, NJ. If they can remove {$69.00} PMI it would really help. 

Please let me know if you would need any more information. 

Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved a wage garnishment from a company called XXXX XXXX XXXX but I never even recieved any documentation on this debt. The debt has not been validated and I never even recieved court documentation to allow wage garnishment. I called the company and they told me the creditor is XXXX, a company Ive never heard of, and they gave me the phone number to that creditor and when I called that creditor, multiple times, the prerecorded message states they are XXXX  but when someone answers the phone they are denying they are XXXX  and denying any affiliation with XXXX. I feel like this is fraud and I dont want my money going somewhere I dont even know that Ive never even heard of or that I dont owe a debt to and to a place that says they arent even the creditor that was told they were. They are also calling my phone before XXXX  XXXX  every single day and every single day while I am at work. I want it to stop!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

i try to dispute this trough equifax severals times, specially my last dispute on XXXX XXXX was ignore, XXXX XXXX was ignore as well ( i even send the other party a letter on XXXX XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since XXXX and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing that I was 30 days late XX/XX/2018 with my XXXX XXXX account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that XXXX reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. XXXX is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
Product: Mortgage

XX/XX/XXXX Complaint Against SunTrust Bank, Commercial Division : XXXX XXXX XXXX  number ( not included ) SunTrust account number ( not included ) I have a rental property that now has an encumbered title from an entity that the settlement statement shows was paid off by XXXX XXXX XXXX, later bought out by SunTrust. This was discovered when selling the property in XX/XX/XXXX. The loan from XXXX ( SunTrust ) was later paid off. But apparently two legal entities that the bank was supposed to have paid off were not. The title insurance company asserts that I do not have legal standing in this case because only the bank is insured by the title insurance. Suntrust has acknowledged culpability, but is no longer pursuing resolution. They have not returned communication for two months. Meanwhile, I have an encumbered title and can not move forward with the properties sale. This matter has dragged on since before the first of this year. Further, the attorney used at closing and approved by the title insurance company later was convicted of embezzlement and was sentenced to prison. Suntrust has acknowledged the problem and filed an internal complaint and I was given a customer advocate. Then it was sent to legal according to the customer advocate where it has disappeared. Now no one returns my phone calls. The loan administrator for SunTrust for the loan is XXXX XXXX. She can be reached at ( XXXX ) XXXX. She reports that the case is now out of her hands. But she has all relevant documentation to this case. I also have documentation that supports my assertions, which I am happy to share with you beyond the 2 files I have attached. Will you act on this? <P/>XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX
Product: Credit card

A unknown charge of {$510.00} was charged to my apple credit card ( Golden Sachs ) on XX/XX/year> from a company of XXXX XXXX. I noticed and disputed the charge on XX/XX/year>. I asked the agent for evidence during the dispute process. I received nothing. On XX/XX/year>, the dispute was denied. I resubmitted the dispute because I am totally sure I dont know where this charge came from. I asked for evidence again. A week later I received nothing. On XX/XX/year>, the dispute was denied again with no evidence provided. I resubmitted the dispute. I am not paying for something that I did not authorized! Asked for evidence again, nothing again. On XX/XX/year>, the dispute has been denied again again no evidence. Again, I resubmitted the dispute. On XX/XX/XXXX, the dispute been denied again with no evidence or explanation. I had enough with Golden Sachs as a credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from Equifax, XXXX, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an proper investigation to XXXX, XXXX AND EXPERIAN regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].
Product: Mortgage

As of XX/XX/2019, I have been trying to work with my mortgage company on extending my deferment for the past several months. I gave them my military extension ( amended ) orders and requested to extend my deferment in a timely manner. Ive also provided them a copy of the new California Amendment with an effective date of XX/XX/2019, which doesnt require to get a JAG Court Order but they keep beating on my head that I do. I told them numerous times that this new amendment covers 180 days within a 365-day period.  I have been on XXXX XXXX for two years without a break in service. I am also waiting for another military extension ( amended ) orders to continue my medical care and treatment for my injuries I suffered in the XXXX XXXX. All I am asking them is to please extend my deferent for six more months not the entire duration of my current XXXX XXXX. I have also requested numerous times for them to provide me via email or mail what they need so I can give the information to the JAGs Office but I keep getting the same phone conversation that they cant. I finally contacted JAG for assistance. The JAGs Office and I placed a three-way phone conversation to the mortgage company but to no avail he couldnt convince them that the JAG Court Order doesnt exist for what I am requesting. Now, I am here filing a complaint. Please help me resolve this matter. Hopefully with your help, I am granted the additional six-month deferment I have been requesting.
Product: Checking or savings account

- Opened Citi bank checking account on XX/XX/XXXX25 - Received a {$450.00} deposit bonus on XXXX/XXXX/25 - Had to transfer funds between XXXX and Citi since they locked your account using XXXX for whatever reason - Locked account on XX/XX/XXXX forms trying to link an external debit card from XXXX XXXX  - Will not provide any further information as to why account is locked. Have not mailed the debit or ATM card number so password can not be changed to online mobile banking. Account number is inaccessible since the mobile account is locked and I have not received any emailed statements since the account is fairly new - CitiBank customer service is the worst Ive ever dealt with and needs to be investigated for negligence for not helping the customer exhaust the avenues of all solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been numerous attempts to use my personal information for credit without my consent.
Product: Money transfer, virtual currency, or money service

I purchased an item on via PayPal on XX/XX/21 for $ XXXX. When on the pop up screen I noticed I was unable to chose my payment option. I then went to PayPal to check the status of my account. Everything seemed ok UNTIL I tried to add a bank account. I requested customer assistance. I have been blocked from messaging the company. I tried calling PayPal, they are NOT answering their phones. You can not message them via email, they will not answer their phones, their website is malfunctioning, and their automated system is having issues. They have blocked any effective form of communication. 

They have control of my money but I have NO access to remedy any issue with my account.
Product: Debt collection

PLEASE EXCUSE OTHER COMPLAINT SOME HOW PAPERWORK GOT MIXED UP This Company XXXX alleged that I XXXX XXXX a natural born person has an alleged debt with them. They have called my phone and also emailed me over and over again. This company is in violation of my rights do to not having my consent to contact me. This company is also in violation due to reporting to my consumer report. This company is also a third party that should not have my personal information. Due to having my personal and financial information you are in violation due to stealing my identity to furnish false information on my consumer report. You're also trying to collect for a company that is not in business anymore at the particular location. 
THIS COMPANY HAS ALSO TRIED TO STEAL PAYMENT FROM XXXX OF MY CARDS!!! This is also proof that this company kept my personal information for their own use by furnishing false information. 
This is fraud and also a violation of my rights as a Creditor of my own account. I'm the creditor due to using my social security number during the said transaction. Not only am I the creditor but this debt has been paid since day XXXX of voided contract due to not conspicuously explaining the finance charge. The finance charge is in fact the sum of all charges. It has come to my attention that XXXX is trying to double dip. This company is now in default.