23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Hi, Better Mortgage ( XXXX  ) collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I checked  county website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the Better.com customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed the county website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with Better Mortgage ( XXXX  ) to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a XXXX party. 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 XXXXXX/XX/2021 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX XXXX. 

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

TransUnion has intentionally failed to update and investigate my credit report. I have filed many claims. Most recently they have refused to provide me with copies documents according to the Fair Credit Reporting Act 15 USC 1681 ( i ) Please re-investigate the following accounts : XXXX XXXX Last Payment Made- Amount Of Payment XX/XX/2013 XXXX   XXXX Last Payment Made - Amount of payment XX/XX/2013 I have continued to express this mortgage is the same account and is past the 7 years reporting time frame. 

TransUnion has not updated either these accounts although they claim to have recently investigated my claims. Please delete these two accounts as they are not accurate and the information listed is not complete
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. 

Account name : XXXX XXXX  Account number:XXXX  has violated my rights. Or 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 or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. The following accounts should be investigated : XXXX XXXX XXXX Balance : {$730.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance : {$81.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports.
Product: Debt collection

I received notice of a lawsuit filed by Asset Acceptance for a XXXX XXXX old and paid in full account. I did not have the money to get an attorney so I did everything I could to respond to the court in AZ. The court then reported that they had vacated the case. They stated that neither party showed at the preliminary hearing. We did. I followed up with Midland Credit Management because Asset had turned it over to them. I disputed the debt and I was told that they would take no further action. After a period of time, I got a Motion for Summary Judgement. I again, could not afford an attorney and wrote my Opposition and Motion Against Summary Judgement. When I went to start my car to drive to the Court House and file it my battery was dead. I called to the court clerk who told me that I could file it late but that the Judge would file the Judgement against me. 

Asset Acceptance, Midland Credit Management, Encore, and any other names they use had a degree against them by you the CFPB. Almost everything that they were penalized for is things that I found out during my review and arguments against the Judgement. Yet it was filled anyways and they also garnished my checking account in XXXX  I believe for {$300.00} because that is all that they were allowed. 

I recently received a letter from them threatening to report to The Judgement unless I paid them. I called 4 or 5 different numbers only to be told that they were not the correct party and that they had no information. I have heard nothing further from them. 

I am attaching my OMSJ for your review. I feel that the affidavit was Robo signed, they did not have standing, they lied when they told me they would take no further action. Many things. I want this thrown out of court. I did not have the money to appeal it and I still don't. This Debt buyer has done this to a lot of people and it is wrong.
Product: Credit card or prepaid card

Please help me secure from US Bank ( USB ) {$210.00} owed to me by them for over 5 months plus {$20.00} for loss of use of those funds. On XXXX the XXXX XXXX XXXX reversed ( in full ) a XXXX charge to my USB credit card for {$220.00}. A dispute form was received by them onXXXX : USB Case ID XXXX. Despite repeated phone calls to USB ( XXXX, XXXX, XXXX ), they have refused to credit my account for the full amount despite my having paid the full amount on time. Details are in the attached PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. 
Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX aka XXXX XXXX. 
XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. 
She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. 
Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. 
Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. 
I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. 
Please do something immediately
Product: Student loan

I went to a school called the    XXXX   XXXX   XXXX   XXXX   XXXX   . Little did we know at the time ( I say we because my dad co-signed the loan ) that the certifications that the school were handing out were not relevant to the industry. The school was intended to provide   licenses    for   XXXX   XXXX   XXXX  . As it turns out,   license for   XXXX   XXXX   XXXX  is not needed and there was no advantage to gaining a   license for   XXXX   XXXX   XXXX  , we were unaware of this at the time. I understand personal responsibility and have paid a school loan for a number of years simply because my dads name was attached to the loan. I realized a few years later that the payments I was making were hardly touching the balance and I could never get any reliable information from the loan provider,  XXXX   XXXX  at the time, to show why my balance appeared to be increasing. I spent some time in the military and my loan was on deferment. After the service I am pursuing my degree and now Navient is telling me that I am not eligible to defer the loan even though I am  a full time student.  Apparently being a private loan does not permit deferment. The company calls me incessantly and is using bully tactics and fear of credit damage to try and force me to pay. My argument is the school should have never been backed by the government to provide loans in the first place. It is obvious there was no real oversight on the part of the Department of Education. The school licensures were phony and the school no longer exists. The actions of    XXXX   XXXX   XXXX   XXXX   XXXX    amount to federally backed robbery. Navient of course will only set tle for 90 %  of the total sum and refuses to negotiate past that point. I would be willing to satisfy some portion of the loan to make this end but I can not handl e 90  % of  XXXX  dollars. Which is almost the original loan amount. My issue is twofold, one being that the payments I was making in the early years of the loan, which would have been {$190.00} per month from around   XX/XX/XXXX  to  XX/XX/XXXX  @   what was supposed to be  a 6  % interest rate, were improperly applied to the loan. I realize the school is being sued for grotesquely poor handing of payees payments. The second issue is the schools unwillingness to defer the loans while I am  in school  and their ridiculous level of harassment concerning repayment. It seems to me they know that they are going to end up losing in court and are doing whatever they can to retrieve as much money from loan participants before that happens. The federal government was conned by the middle-man ( the school ) and the consumer is left holding the bag for the equivalent of an additional car payment every month. I paid faithfully on this loan for  4 or 5 years and owe almo st exactly what the loan was originally worth. I would at the very least like to defer my loans w hile in school,  at the most I would like loan forgiveness for something that has benefited me absolutely nothing. The school should have never had the authority to write or process loans in the first place, especially for a service that requires no training.
Product: Money transfer, virtual currency, or money service

My complain is with PayPal I had my PayPal account for over 6 months and I used it regularly So on XX/XX/2023 I received a payment in the amount of XXXX $ split in XXXX payments XXXX {$500.00} $ and XXXX $ Because of this payment I struggled to withdraw funds from my PayPal account I called multiple times to know why, They claimed it was the algorithm that flagged my PayPal account because my account had never received such amount and they could not override the algorithm I explained how and where the payment came from but to no avail For 5 days I struggled and called to find solutions to withdraw my money On XX/XX/2023 I was finally able to withdraw the money which was subjected to a XXXX hour hold XXXX hours into that XXXX hours hold I got an email saying they could not process the transfer and cancelled it And few minutes later I got another email saying my account has been permanently limited Putting me in debt and subjecting me to series of embarrassment
Product: Prepaid card

Received from my employer, XXXX XXXX, XXXX Fl a {$250.00} Wells Fargo debit card for XXXX. 

Used my home phone ( XXXX ) to activate the Debit card and created a password ( XXXX ). 
On XX/XX/2017 purchased tile at XXXX, XXXX XXXX Fl, for {$530.00} -- using the Wells Fargo Debit card XXXX for {$250.00} and the balance was paid with my MC and XXXX card for {$280.00}. After full payment and use -- the Wells Fargo Debit card was lost. 
On XX/XX/2017 returned the unused tile to XXXX, XXXX XXXX Fl, for a credit of {$200.00}. The cashier put the {$200.00} credit against the Wells Fargo debit card by scanning the bar code from the original purchase receipt. The numbers I have for the above Wells Fargo debit card is, # XXXX -- do not have the???? string of numbers, and not able obtain that string of numbers. ( attached are XXXX purchase and return receipts of merchandise -tile, including XXXX return policy ). 

XXXX-original debit card purchaser, Wells Fargo Bank-Bank manager, seller to XXXX of the debit card-Visa Debit card services, including XXXX-tile retailer + customer service + store manager, has not been accommodating or helpful in getting my {$200.00} debit card credit returned. I now am not able to access or have use of my issued debit card credit of $ XXXX-returned tile merchandise, now currently residing at the Wells Fargo Visa Debit card account services and they are refusing to return the credit amount of {$200.00}. 
Can you please offer assistance?
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and found a fraudulent account
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to file a complaint regarding a discrepancy in my credit report related to my XXXX XXXX credit card account. 

On XX/XX/year>, I received an email from XXXXXXXX XXXX stating that they had decided to terminate their credit card product for all users. I contacted their customer service to confirm this decision, which was indeed made by the bank as a part of their business strategy, not at my request. 

However, on XX/XX/year>, I discovered an inaccurate entry on my credit report, indicating that the credit card account was closed by the grantor at my authorization. This is factually incorrect, as the closure was initiated by the bank itself and not by any action on my part or by any authorized person on my account. I have always complied with XXXX XXXX XXXX  policies and regulations and have not been at fault in this matter. 

This incorrect record has had a negative impact on my credit score, which is unfair and unjustified given the circumstances. A reliable credit report is crucial for my financial well-being, and I am requesting your assistance in resolving this issue. 

I kindly urge the CFPB to investigate this matter and coordinate with XXXXXXXX XXXXXXXX to have the incorrect information corrected by the credit reporting agencies. If any additional information or documentation is required, please feel free to contact me at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Transworld Systems , Inc has misrepresented XXXX and sent a debt collection letter to my place of abode on XX/XX/2023 requesting that I respond to their debt collection letter by XX/XX/2023. I sent a cease and desist letter with other documents that showed I paid the full balance. On XX/XX/2023 I attended a USPS location and sent them this information through certificate mail. It is currently now XX/XX/2023. XXXX XXXX signed United States Postal Service certified mail green domestic card and returned it back to my place abode XX/XX/2023. Under U.S.C. 1692 G and other debt collection practices Act rules. I requested Transworld Systems, Inc to send me original records of me and them doing business in Washington XXXX DC. They failed to comply with my demands and it is an violation. I'm submitting evidence that I replied to their debt collection practice and they didn't send me anything to my place of adobe. This corporation was not suppose to contact me because I paid the bill. Look at all 6 supporting documents it will show Transworld Systems , Inc and XXXX were both wrong for trying to scam me for additional money after I paid the bill.
Product: Money transfer, virtual currency, or money service

I sold two items on PayPal. The purchaser filed a dispute with the items. He most likely purchased another one before he received the item I sold him so he no longer needed it. PayPal allows him to ship back one of the two items I sold him. They determined that item is worth {$800.00} where it is actually worth XXXX. This process has been going on since XXXX of XXXX. Now the purchaser has shipped an item back but apparently has shipped it to the wrong address and I have not received it. This was 3 days ago. PayPal is not giving me answers. Not trying to help with this resolution at all. I'm very disappointed with the help I have received from PayPal and it is very concerning that this is the only thing that I can do to help with the situation. All I can do is send an email to you guys. Which is most likely probably not going to help. It's most likely going to take weeks and months. I just want my money from PayPal or my items back.
Product: Credit reporting or other personal consumer reports

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay. 

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made 4. You denied my initial request which you are now in violation of my rights and therefore you are breaking the law, what you are doing is illegal and against the law remove these items in order for us to avoid any further litigation I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I ask them to send proper documentation with Wet signature & the correct amount to the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$90.00} ; 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