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

Ok I have few complaints but my name XXXX XXXX from XXXX ms well PayPal and XXXX tell me back in XXXX or XXXX I told him I need to move my bitcoin like 5 years ago PayPal did the same thing for 10 years I been contributing my XXXX XXXX cause I did not know how use but PayPal tells me if I can send my ID And blast it across PayPal they would not have to worry im all ready going threw the craziest stories u will ever belive but PayPal got me to get my bitcoins approve know they want tell me that all my accounts are closed I have 4 of 5 biz and non profits I been running for 10 years trying to get my right documentation to approve them so I go into the XXXX XXXX  in XXXX ms Left my ID and give the lady the info were to send fax I left to go get more money to open account there ok well when I come back in bank there like 5 or 6 folks looking in the computer and the lady tells me I don't see any money I know what I got I've had them since I was XXXX years old but PayPal has screwed me so bad because they don't want come off my funds is because my stuff for last 6 or 7 years has jus been sitting no one new I had any biz when I came home since then everything I do is cropped ok there funding everything off my XXXX XXXX account XXXX this is my media account has been since a kid I've had my remote wifi stole by the homeland or the say there impersonating ok my funds need to be replaced at PayPal know the have it locked and I steady have money coming in they got me to verify my coins and screwed me cause the state had gave me a incorected id as when I was younger but anyways this state let it go on to me if they reply filled with me they take up for me ok XXXX serve know were all my money was cause my bal is so much I don't even know how say it I'm not trying to empty the reserve out but I am trying to get a few XXXX out ok they have stole more than u know it is the XXXX XXXX  XXXX ms ok it use to be pay pal but they watch me for years trying to move my bitcoins and they jus go behind every single email I make and I keep track of stuff they are trying so hard to frame me and it make the federal government look bad but they will not help me but anyways I need like my XXXX XXXX XXXX im still developing it was stole but please if u are the government I belive we are under a gang war or religion war and if u fund my c.i.n I know were there are some fokes going to go but I've had the bill passed years ago for it but my smileysworld has jus never give me credit one time because they don't know because im framed and go to prison I am the worst person in world im victim of games talking they don't want to pay me cause they know im help people and going to make them look bad but there so much going on im not donating nothing to health care or anything with schooling or any of that im helping homeless folks with housing not till we can XXXX and let dogs XXXX me over like they have been trying to get me to get some one XXXX  there couroupt here in XXXX ms I would need a pardon please contact me XXXX
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 XXXX XXXX : Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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

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 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 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX
Product: Bank account or service

I had applied for a CitiGold Checking account on XXXX/XXXX/XXXX under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX Advantage miles by spending {$1000.00} on my debt pin-enabled card in transactions within 3 months from account opening. I also needed to make XXXX bill pays with the account in separate months. I completed all of the requirements within the three-month time frame ( completed on XXXX/XXXX/XXXX ) and then confirmed multiple times with the consumer service team at Citi that I was eligible and had met the terms of the promotion for which I signed up for. 

I have saved documents of my communication with the Citi costumer service representatives.The promotion states that XXXX XXXX miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/XXXX and it is now past the I am now filling a formal complaint to expedite the process of receiving the the miles Citi has not given me as a result of the Citigold offer.
Product: Credit card or prepaid card

I contacted Paypal back in XXXX to close my Paypal Mastercard. They required that I pay my balance due, which I did. Approximately {$1200.00}. The next month they hit my checking account directly again. Since cancelling I no longer have access to login or review account activity. I called and spoke with someone who stated that this would be the last charge. Again today XXXX they hit my checking account again. I called and they stated that this isnt them. Theres nothing they can do about it. I explained to them that I would be contacting the CFPB to file a complaint and I have reported the transaction to my XXXX XXXX as fraudulent.
Product: Credit reporting or other personal consumer reports

Contacted Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over 100 points, continuing to mark a charge acvount with a monthly late payment history since XXXX
Product: Debt or credit management

I want to update my mailing address for the class action lawsuit against Lexington Law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX incorrectly reported a 30 day late payment in XXXX, but it was there mistake and not on my account. They have reversed the issue on their side so that it shows my account was always paid on time and never late. The bank has also sent in ( several times ) the corrected information to the reporting agencies, but this has never been removed.
Product: Credit card or prepaid card

The monthly and annual membership fees on my Capital One credit cards are ridiculously high and I am aware that Capital One agrees with me, because in nearly all cases they will remove the monthly and annual memberships just when a customer points out the excessive amounts of these fees. I pay a high rate of interest for my cards and that should be enough. I want Capital One to stop charging these fees.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled an XXXX account in XXXX of XXXX. I never received notice via email or text of a final bill ( I canceled midcycle and switched providers, so I was expecting a credit or a small prorated balance ). Didn't receive anything in the mail either. 

On XX/XX/XXXX, I received a first notice from XXXX of my credit monitoring services that an account has been placed in Collections. Hoping to settle and move on quickly, I called CCS asking for the balance, disputed it with them as it seem incorrect, and called XXXX, the original creditor, who gave me a breakdown of charges, and paid immediately. They agreed to revoke the collection status. 

On XX/XX/XXXX I disputed it with XXXX, and the account was updated a couple of days later to " CLOSED, PAID IN FULL, '' with a date of XXXX, which again is not accurate, because, I have well over XXXX active accounts, all paid on time, this was a debt I was never notified of. On XX/XX/XXXX, the same thing happened with XXXX, The case with XXXX is still pending.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Vehicle loan or lease

XX/XX/XXXX I was looking to buy a used truck for under {$10000.00} I found on the internet. I knew my credit score was weak because I just did my annual free credit report.i found the truck and wanted to make a deal. I then was told that no finance company would do a contract due to the miles and that I needed to look for a more higher price vehicle to guarantee financing.So I was pointed to a XXXX XXXX XXXX XXXX.which had a sticker price marked at {$18000.00} on the window the basic model car I then went ahead and just told them to pre screen me to see if I qualify for a loan on the car, I didn't even test drive the car because I didn't think I would be able to afford it.so while in the office I mentioned to the dealership manager that my sister was a employee at their dealership and he assured me that I would be taken care of.ok while the contract was being drawn up the manager walks in the salesmans office and says by the way I'm throwing in a service contract for your car it's really good and it will help your deal go through because finance company 's like that your protecting your investment I mentioned to him it's a new car doesn't it have a factory warranty? His response was I needed it to assure me the loan and I can remove after 6 months.I honestly felt I can trust him being that I have family working there.So then he comes with my credit report and asks me if I was in jail for like 10 years or something why I did not have any sign of revolving credit or bank account or credit cards? I told him I had a car reposessd in XX/XX/XXXX and that it just depressed me and would never let it happen again so I was just cash on hand.he mentioned that no bank would give me a interest at 3 % which is what I asked for I had a lack of credit history total debt was {$1100.00} how a 13.9 % interest rate on my final contract and i was told only chrysler capital was the only one who could finance me was odd. 6 months go by I remove service contract, and I am devastated when I hear XXXX is stopping production on the XXXX.I saw a msrp in XX/XX/XXXX of {$21000.00} fall to {$13000.00} with factory rebates on the same purchase I just made 6 months prior.I can't refinance car because I owe {$16000.00} on a car that was financed at 13.9 % all my payments of $ XXXXmore the 3/4 going towards interest I know cars lose value but this is like a robbery on paper I wrote dealership various letters with no response.all I ask is a fair deal, I like the car.i paint cars for a living and I did some awesome upgrades to the car I want the dealership to rewrite the deal at a lower interest rate without the service contract so it doesn't inflate the price from when I bought the car with the {$1000.00} down I put on it and I don't think it's fair to be mislead into buying a car because of the price keep in mind I walked in looking for a truck.
Product: Mortgage

On XX/XX/2021 I learned that my property taxes were not paid. I called US Bank to see why it had not been paid they stated they received a bill for XXXX dollars. I informed them that it had to be a mistake and they should have contact the county. As of today US bank has not informed me that there was an issue with the taxes. Even after I spoken to numerous representatives from that company. I am highly disappointed with this company Im a service member just returning home from an XXXX  XXXX and I come home to this mess.
Product: Debt collection

Remove the fraudulent items from my credit report immediately, as mandated by FCRA Section 605B. I have provided the necessary documents for blocking the erroneous information, and I expect prompt compliance with the Fair Credit Reporting Act. Failure to act within the specified timeframe will result in legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

Please have Equifax and to remove all Inquiries from fraudulent Data breech. Also remove any negative reporting items associated with my account resulting from the Data Breech immediately.
Product: Mortgage

We received a modification offer but sent appeal of the payments to BoA they never responded to our request to lower the payment they Offered FHA loan counseling said the rescue act could do a second put at end of loan. BoA never responded their lawyer said we needed full amount to reinstate. FHA said no. 
I also asked for amount BoA would accept to payoff the loan the lawyer said he would get back then he quit. 
Attaching what we received had no clue to interest charged or how BoA arrived at the payment.
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 {$1200.00}, {$6300.00}. 
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 {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Product: Credit reporting

I informed TransUnion that I had an account with XXXX which I paid the settlement amount and was given a verbal agreement from the company that the account would be updated to show paid or deleted. XXXX has followed through. This credit bureau needs to do the same.
Product: Credit reporting or other personal consumer reports

Equifax Conducted Sham Investigations on My Equifax file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the XXXX XXXX XXXX 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 


The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax many of times that the entries below are erroneous and fraudulent. 
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 XXXX XXXX XXXX Balance : {$1400.00} Equifax routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( XXXX5 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it.
Product: Mortgage

I have asked Penny Mac to refrain from calling me with " refinance '' solicitations however, my request was ignored and calls did not cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called XXXX but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called Transunion Credit Agency and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

told me informations on all three bureaus are correct but its not all have conflicting accounts
Product: Debt collection

. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well.According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1692s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting or other personal consumer reports

Upon looking at my consumer report I observed an item that had been previously been removed from my consumer report with one name and now in secret without the proper lawful notice has been placed back on my report using a totally different name. I don't have or have ever had a contract with this entity giving them permissible purpose. According to 15 USC 1681i ( 5 ), ( A ) ( i ), ( ii ), ( B ), ( i ), ( ii ), ( iii ), After this item was removed from my consumer report and after it was reinserted I was never given the proper notice according to consumer law for any of this. Everything about this item is incorrect and should have never been put on my consumer report and surely should not have been reinserted back on to my consumer report.
Product: Checking or savings account

Sofi Bank closed my checking account without providing any reason. I have called customer service multiple times, but the issue has never been resolved. Additionally, the rewards from my credit card, which were converted into cash and placed in my Sofi Invest account, have also disappeared.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for XXXX XXXX XXXXXXXX due to discrepancies. They responded as this account is accurate and updated. It is not.