23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for XXXX XXXX XXXX license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. XXXX XXXX XXXX does not have a VALID license in the state of TENNESSEE. Their license expired in XXXX XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. XXXX XXXX XXXX is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was initially approved for a debt consolodation loan I very much needed, but then it was renied because Experian told them XXXX different people had the same social security number. After contacting Experian about this I learned that my credit report was splintered between an old an new name which was preventing credit approval. I submitted name change documents, and supposedly it was fixed, but then I could no longer access my credit report or dispute information online and when calling them on the phone each department could only see one of the two reports and there was no consistancy there. 

Now, the history of my account shows that on XX/XX/XXXX my credit report was blank - no debts, no history, and a credit score of XXXX - but then on XX/XX/XXXX everything showed up correctly. Then on XX/XX/XXXX it was blank again. This see saw is preventing me from keeping an eye on my credit activity and it means that I can only see information around a week out of any given month. That in term has kept me from having the correct timing to be approved again for the loan I was trying to get to begin with. 

This situation has already caused my substantial financial harm since I am paying more than I otherwise would on accounts- more than twice as much, in fact- if this issue wasn't happening at all. 

Worse though is that I get no information from them. I'll spend upwards of XXXX hours talking to several people, then finally get a case number, but all they will say is that the issue will be escalated without a time frame on when it would be fixed. When I give them the previous case number and say that the last time they said the same thing and ask what happened with that they never have any information. They always say they will contact me, but never do, and are fully dismissive of the severity of this situation. When I tell them how upsetting this is they have actually told me, " You are upsetting yourself '' As you can see from the screenshot attached it says I currently have 0 debt and zero credit usage, even though I have a mortgage and over a decade of good history. You can see that on XX/XX/XXXX " You no longer have a XXXX Score '' then on XX/XX/XXXX " You now have a XXXX Score '' then on XX/XX/XXXX " You no longer have a XXXX Score ''. This shouldn't happen! 

I have a legal right to accurate information on my credit report with my current and correct legal name. I also have a right to access the correct credit report, but while this is happening I can only access this blank report so I am denied my right to file disputes. If they can't fix this I would like their legal contact information so I can sue them for damages related to this issue going on for multiple months.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies.

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified.

3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately.

4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Reques tXXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence.

3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately.

4. Provide me with a written response detailing the results of the investigation and actions taken.

Sincerelyn : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a Wells Fargo XXXX XXXX XXXX on XX/XX/2022 for {$5900.00}. This was the type of loan that if it were paid off in equal installments over XXXX months, no interest would be charged. Therefore, we need to pay approximately $ XXXX to fulfill the contractual obligations for this loan. When I received the first statement for billing cycle XX/XX/2022, I was shocked to find that under the prominent " Payment Information '' line on the top right of Page XXXX, it said the Minimum Payment Due was only {$200.00} due XX/XX/2022. It should have said {$980.00}. Only in their gibberish on Page XXXX of the loan do they have a line that says " NO INT IF PD IN FULL XXXX '' and still no mention of the monthly amount due. I contacted XXXX in the Wells Fargo corporate office and basically got a bureaucratic answer back that they state the terms on the third page. This missed my point entirely that they are again being deceptive by not ever listing the exact amount due to have this loan paid off in XXXX months. Attached is a copy of the relevant statement. Unfortunately, I no longer have a copy of Wells Fargo response and you would have to obtain that from them. Please help by requiring Wells Fargo to show the monthly accurate " XXXX XXXX '' amount of {$980.00}. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Services not rendered and they charge fees unnecessary and upfront its terrible. In XXXX in XXXX in XXXX and in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax over several hard inquiries that I knew nothing about that all happened on a single day. When I was notified the dispute was over I went to see the results and was presented with an error that my information did not match their records. 

I called equifax and was told that I needed an " equifax service '' to recieve immediate help otherwise the department that could help was closed. I asked how I could get the service and they all cost money. Basically they wanted me to sign up for their service or they refused to help. 

My 10 Digit confirmation number for the dispute is : XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX Trans Union , Equifax and XXXX were reporting this XXXX XXXX XXXX  account in collections with XXXX XXXX XXXX 
It was disputed back then and removed. Recently XXXX XXXX bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as XXXX XXXX has now verified 3 times over. XXXX XXXX is intentionally manipulating crucial information, which has harmed my credit score. This is intentionally done and XXXX. Equifax and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all 3 agencies once and for all. XXXX XXXX should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS IC SYSTEMS ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
( see attachment )
Product: Debt collection

I made prior payment arrangement with XXXX and unknowingly to me, Medical Data System has begun reporting debt. I completed the monthly payment arrangement with XXXX on XX/XX/XXXX that I initially started paying in XX/XX/XXXX. In addition, I never received notice of this debt from XXXX XXXX XXXX. The only contact I've had with them was on XX/XX/XXXX and I called them to inquire about removing three prior medical debt collections from my credit report that was paid in XX/XX/XXXX.
Product: Debt collection

I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was released I checked my credit and notice I have a collections from a XXXX XXXX  credit card that was opened in XXXX of XXXX. I called Portfolio Recovery Associates , LLC to explain to them that it was not me and that I was in XXXX  so someone used my identity to open this account as well as XXXX XXXX which I have already talked to XXXX and had resolved. I sent Portfolio documents from my release paper from XXXX but still have not been able to resolve this matter.
Product: Credit card or prepaid card

I keep getting emails from someone trying to get my personal information. 

I've alerted American Express and they have not done anything. 


I'm receiving emails from : American Express XXXX XX/XX/XXXX at XXXX XXXX To XXXX Message body CardMember Alert American Express logo In regards to Primary Cardmember Image Lock Cards Travels Business As part of our commitment to help keep your access secure, we have detected an irregular activity on your access and we are placing a hold on your access for your protection. 


To proceed, An attached HTML Fillable Web Form is sent with this message. 

- See Attached Information Form, Download and Open to Continue. 



Thank you for your Card Membership. 

American Express Customer Care Privacy Statement | Update Your Email Message information is included above to help you recognize this as a customer care e-mail from American Express. We kindly ask you not to reply to this e-mail directly as messages are being sent from an unmonitored e-mail address. 

2018 American Express. All rights reserved. 

XXXX Attachments in this email may contain harmful content and can not be downloaded. Learn more XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX have placed an inquiry on my Transunion credit file dated XX/XX/2018. 

I spoke XXXX a Transunion customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Transunion report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries showing on my XXXX report On XX/XX/01 from Elan financial one of those inquiries need to deleted only applied for one account did not apply for two accounts showing my credit was pulled twice from their company.
Product: Credit reporting or other personal consumer reports

I was looking through my credit report and saw inquiries that are not mine on there
Product: Credit reporting or other personal consumer reports

I have encountered difficulties in accessing my account and obtaining support from Experian since updating my mobile number. 

On XX/XX/year>, I logged into my Experian account to schedule a temporary thaw on my credit freeze, which was set to remain in effect until XX/XX/year>, to facilitate an apartment application. On XX/XX/year>, I was approved for the apartment and updated my mobile number. Since then, I have been trying to freeze my credit again and check my credit report as part of my annual review. Unfortunately, I have been unable to log into my account. 

In addition, I have been unable to reach a representative to resolve this issue. Experian 's system does not offer alternative login options, and the automated phone system repeatedly leads to dead ends without providing assistance or connecting me to a person. I have tried multiple methods, including calling, using the website, and seeking an email contact, but nothing has worked. 

This experience has been extremely frustrating and concerning, as it involves sensitive personal information and impacts my ability to manage my credit responsibly.
Product: Debt collection

I received a 3rd party collection letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector. Regarding an alleged account with Discover Bank Credit Card. The 3rd party debt collector has no written consent to have my personal info, let alone use of it. This is in direct violation of the FDPCA and the FCRA and US Codes.

Discover Bank Credit Card has not received consent from the consumer to transfer any personal info, nor have they requested consent or Noticed the consumer. This is in direct violation of the FDPCA and the FCRA and US Codes. 

XXXX XXXX, while sending a letter as a debt collector, provided nothing to show I gave consent to Discover Bank Credit Card to transfer any information to XXXX XXXX. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to use of personal information. This is covered under XXXX XXXXXXXX XXXX Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit. which is exactly what XXXX XXXX is doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped 5-11 I felt they were NA 12. Electronic signatures 13. any financial numbers!! 
I am not being dismissive, I'm not angry but I have been down this road before. I will pay anything you can legally prove I owe, and/or produce the original contract with wet signatures not a copy of a contract or a " thorough careful review '' or an analysis of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX  and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX  in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX  report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows equifax has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX  reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus XXXX  reporting a balance of XXXX equifax reporting a balace of XXXX XXXX  reporting balance of XXXX XXXX  has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX  # XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX  # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
Product: Checking or savings account

On XX/XX/XXXX th I received online message work from that time to XX/XX/XXXX total I deposited {$48000.00} try to get the job completed but at the end of XXXX XXXX XXXX I realized that I have job scammed. I am not returning any money of online job platform - XXXX XXXX XXXXXXXXXXXX XXXX XXXX  That time i immediately contact to bank Wells Fargo and request them to disputed they are not disputed this charge ( temporarily ). I filed a claim. After 5 days they send me a letter this is authorized transection, they deny the claim. I know this is authorized but this is push authorized transection by scammer. After 1 week I submitted all the document to bank ( FBI / IC3 complaint copy, FTC complain letter, XXXX XXXX  investigation report, letter from attorney general from Texas ) that the transection is fraudulent and I have nothing return. I am calling every day to bank for reopen the case and do throw investigation and help me to back my money which made by my debit card. But they didnt listen to me. I am helpless. Need help. This is absolutely fraud case. Please contact my bank Wells Fargo and resolve this issue.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL, XXXX XXXX XXXX XXXX PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against PayPal for Unjust Account Restriction. 

I am writing to file a formal complaint against PayPal Holdings , Inc. regarding the unjust restriction of my PayPal account. I am a XXXX XXXX, and the payments received through my PayPal account are solely for the services I provide to my customers. 

On XXXX XXXX after receiving a payment for my services, my PayPal account was unexpectedly restricted. I received a notification from PayPal stating that the restriction was due to activity inconsistent with their User Agreement ( Reference ID : XXXX ). However, no specific details were provided regarding the exact nature of this activity. 

Despite multiple attempts to resolve this issue directly with PayPal, I have been unable to obtain any clear information or resolution. My account remains restricted, preventing me from accessing my funds, which are crucial for my business operations. According to the notification, the funds will be held for 180 days, causing significant financial strain. 

I am requesting the Consumer Protection Bureau 's assistance in this matter to : 1. Obtain a detailed explanation from PayPal regarding the specific reasons for the account restriction.

2. Expedite the review and resolution process to lift the restriction on my account. 
3. Ensure that my funds are accessible without undue delay. 

Attached are copies of the relevant communications with PayPal, including the notification of the restriction. I believe that PayPal 's actions are unjust and have caused significant disruption to my business. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Thank you for your time and support. 

Sincerely, XXXX XXXX