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

My paypal account was limited on XX/XX/2020 and it says that after 180 days I can finally withdraw funds from my account. I received an email on XX/XX/2020 stating that I am now eligible to withdraw the funds from my account but now that I am trying to withdraw them Paypal won't let me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my mortgage with XXXX  XXXX XXXX  XXXX for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On Transunion and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX   XXXX {$15000.00} XXXX  XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, Equifax, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$7700.00} ; XXXX XXXX XXXX Balance {$8200.00}
Product: Checking or savings account

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX this description will not affect how the CFPB handles your complaint.
Product: Debt collection

This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.
Product: Credit reporting or other personal consumer reports

Please actually read this message and understand something. I have made complaints and disputes and gotten nowhere. TransUnion sided with the debt collection company. I had a debt for {$920.00} for rental arrears. I applied for New York XXXX XXXX program. I was approved in the end of XXXX this year. The original debt was from XXXX. The apartment complex where I was living was bought out by a different company. I called the apartment complex and they said the debt is not owed to them but to the previous company. I have called and called the prior property management company. I have left messages. Emails for months. They dont respond. There is absolutely no way for me to get in touch with them to have the debt eradicated. Yet this debt collector keeps bringing up old papers saying the debt is still valid. The stuff they are showing me is dated. They bought the debt from another debt collector who refuses to give me any information at all. Furthermore through this New York XXXX XXXX program this debt is illegal. The landlord has 6 months to respond and if they dont then legally they must waive the debt. I will attach evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 section 602 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX provided statements, but no signed contract between XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out three dispute letters with FTC numbers, police report documents, and a list of fraudulent inquiries on XX/XX/2023. The inquiries have not been removed from my credit report as of yet.
Product: Debt collection

XX/XX/2019 : Contacted Kinum ( collection agency ) about phone calls alleging a debt owed, and that they were going to take legal action. The Kinum representative hung up on us. Called Kinum back, and it took multiple verbal requests to receive actual Kinum Account Number, the representative kept giving me the Account number associated with the original debtor but not the account number associated with their collection agency. Finally received Kinum account number. When I asked the representative to not interrupt me, they hung up on me. 
- We have never received any mail notification of this debt from this debt collection company and had told them so every time they contacted us via phone. We had requested multiple times that the debt information be sent to us via Certified Mail and all Kinum Representatives we talked to stated they would not do that. 

XX/XX/2019 : Sent a Verification of Debt letter to Kinum via Certified Mail with a Receipt. The letter specifically requested the Verification of Debt be sent via certified mail since Kinum is claiming to have sent multiple bills to us but we have not yet received any. Tracking number from USPS indicates Verification of Debt letter was delivered on Tuesday, XX/XX/2019. 

XX/XX/2019 : Received a mail notification of debt, but only details approximately half of the debt they are saying that has been owed. There is no information detailing the other half, except on the payment coupon to return to them that states we owe almost double of what they provided information for. The debt that does contain details does not include : verification of debt, itemized statement, name/ address of original creditor, & evidence that we are legally responsible for the debt. It only includes the " Date of Service. '' Attempted to contact Kinum again, but phone number on the bill received on this date does not offer options to talk to someone, only and option to leave a message, but no way to leave an actual message.
Product: Credit card

With Reference to Credit Card Ending XXXX, I had sent Many Mails to Citibank Customer Care and Grievance Cell and Citibank had sent Mails to Revert in 5 Business Working Days from Last 15 Days for the same, They had Given Me Reference No. XXXX & XXXX But No Any Mail Received from Citi bank Regarding Solving the Issue. They Were Charged Joining Fee as When I had taken Credit Card at that time, Concern Citi Bank Sales Executive told me that It was Life Time Free and No Any Hidden Charges also to Be Levied But Citi bank Charged Joining Fee of Annual and I had sent Many Mails to Concern Citi Bank Credit Card Department But No Any Resolution Given by them .... Please help me for the same
Product: Debt collection

XX/XX/XXXX. My supervisor sent me an email with a voicemail from a legal team from a private #. They called my employer and left a vm for them to call regarding my legal issues, which I have the forwarded email from my employers with the voice mail. When calling XXXX, the phone rung multiple times no introduction when answered but requested me to tell them about me with a reference #. Never let me know I was on a recorded line- asked me about my last 4 of my social which I said " mmmmm okay to. '' I said 17 year old debt for {$2000.00} in question. Never sent me any mail about this for over 10 years. Debt was for voluntary repo which was resold and written off in XXXX. Did not state whom they were until asked. I hung up and gathered my thoughts due to all of the scams going on and my phone being hacked recently. Called back to confirm their info and the 2cd caller did not introduce himself, was silent upon answering and I stated I was going to report and file a complaint, yelled at me to look out for a summons miltiple times. Kept asking for my # then reverse look up on the call. Stated debt from XXXX did not state debt was time barred past statue of limitatioms. I know my consumer rights to which they violated on 2 counts. XXXX XXXX in California.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and committed fraud on my personal information by attempting to collect a Debt that was not owed by me through the use of a third party Debt collection agency, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with the above creditor, have a credit card with them, nor have I ever done business with or owe them a financial debt. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am not a cobuyer on this account but they are reporting this in my credit. I have called to find out how and why they just tell me they have this and I'm on it but have not provided me proof.
Product: Debt collection

Best Services Company, a contracted collection agent for XXXX XXXX XXXX XXXX, agreed to delete my account upon full payment on XX/XX/XXXX. The account has not been updated since XX/XX/XXXX. The account has not been deleted nor updated. BSC claims they do not delete accounts once they have been paid. I informed them I only paid it upon the condition that a deletion occur for all XXXX reporting agencies. I have not received a paid in full notice, the account is still showing as derogatory. I paid my debt and BSC should delete the account as they agreed to do. This derogatory collection debt which has been paid is severely affecting my credit. I am trying to repair it and BSC is causing me unnecessary harm. They received their payment. They can not continue to punish me in this manner.
Product: Credit reporting or other personal consumer reports

I have an account with Experian ( and all the credit reporting agencies ) and have had a freeze on my credit for some time. I am a XXXX XXXX XXXX  and trying to open up a different credit card for my business, but since I have a freeze, I was denied. 
I tried to get ahold of Experian to unfreeze my credit by going through their online account- I was able to reset my password, but unable to get into the account b/c they only allow two options for second verification- but both options go to an OLD phone number that I can't update! You can't even get to the 'account ' page to update your profile/old phone number b/c it keeps asking to text/call you at your old phone number ( only XXXX option ). 
I tried calling them ( on every conceivable XXXX # I could find online ), but ALL of them go to an automated agent that sends you into a endless, unhelpful loop and never getting you to an actual person. The loop is b/c they are asking you to verify your identy based on old or not up to date information ( e.g., they ask for my SSN - fine - but then ask for my zip code and street address - and this is being bounced off some old information, so they say, XXXX, let 's try that again ' - I don't know where I lived 10 years ago when I made this account! ). Please help- this is ridiculous.
Product: Credit reporting or other personal consumer reports

THIS IS TO NOTIFY THIS ENTITY OF FRAUDULENT ACTIVITY ON MY ACCOUNT. SINCE HAVING THIS CREDIT CARD I'VE USED IT DAILY. TO START YOUR INSTITUTION XXXX XXXX XXXX PUT A FRAUDULENT CHARGE ON MY CARD CLAIMING A {$250.00} CHARGE FOR XXXX XXXX. MY ELECTRIC COMPANY MIND YOU IS XXXX XXXX XXXX XXXX, LA. XXXXXXXX XXXX. WHICH CAUSES ME TO SUBMIT A FRAUD CLAIM CLOSING MY ORIGINAL, WHICH I DID FILE ON THE XXXX XXXX XXXXXXXX. ON THE XXXXXXXX XXXX XXXX I WENT IN TO YOUR BRANCH OFFICE LOCATED ON XXXX XXXX XXXX XXXX, LA. XXXX AND PAID THE BALANCE ON THE CARD XXXX IN HAND WHICH TOTALED {$3600.00}. THIS TRANSACTION GAVE MY ACCOUNT A BALANCE OF {$0.00}. XXXX XXXX XXXX HELD MY PAYMENT THAT WAS MADE ON THE XXXX XXXX XXXXXXXX AND APPLIED IT TWO DAYS LATER AFTER REPORTING TO TRANSUNION, XXXX, AND XXXX A BALANCE OF - {$3800.00} AND A UTILIZATION OF 77 %!!! THIS IS VERY DETRIMENTAL HARM AND A FRAUDULENT ATTACK AGAINST [ XXXX XXXX XXXX XXXX XXXX WHICH I AM THE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. NOW ON A NEW ACCOUNT WITH A CREDIT CARD ENDING IN XXXX WITH A BALANCE THAT WAS - {$3800.00} YOUR INSTITUTION CHANGED IT TO A PRESENT BALANCE OF {$450.00}. MY ACCOUNT HAS BEEN MISREPRESENTED AND MISREPRESENTATION HAS TAKEN PLACE. MY NEXT STEP IS TO FILE A CLASS ACTION LAWSUIT ON YOUR INSTITUTION XXXX XXXX XXXX WITHIN 72 HOURS OF RECEIPT OF THIS TRANSMISSION TO YOUR INSTITUTION. YOU HAVE A CHANCE TO CURE THIS AWFUL INTRUSION OF MY CONSUMER RIGHTS. 

18 USC Section 241 DEFAMATION DISCRIMINATION XXXXXXXX XXXX XXXX  PROFILING MISLEADING INFORMATION ON CREDIT REPORTING. 

LET THIS LETTER OF SERVITUDE SERVE AS A VITAL WARNING!!! 

SINCERELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all of these hard inquires immediately. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The credit inquiry named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX XXXX If you can not provide such documentation, you are obligated to remove the offending inquiry at once. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the bureau had removed due to creditor made the agreement to remove from my file but been submitting XXXX and XXXX due to factual error from their ends but they keep updating without any procedures. These 3 accounts made settlements for removal after 90 days verbally but never kept their words. Every month I sent a valid dispute but without proper documentation its updating/remains from their end.