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

I opened a PayPal account with the understanding that I could send and receive payments from my online business to my bank account with PayPal and I thought the their service was reliable. The first 12 orders that came in through my business on XXXX to my PayPal account was held and they said I needed to provide my ID and shipping information for those transactions which I did. The next day after providing those information my account was permanent banned by PayPal and I was told that my money will be held for 180 days after which I will be able to have access to it. I was very confused and tried to contact PayPal support line to atleast explain to me what was going on or talk to me but I couldn't and still hav n't been able to reach them over the phone. Their customer Service told me off ( I will link a screenshot of the conversation ) and their support line has been unaccessible. My entire business depends on those funds and I am currently unable to pay my staff because this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Hello I have a collection on my credit report for Synchrony Bank / GAP I have called XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX no one can find or claim the account or offer help or tell me who I can talk to about settlement or removing the account.
Product: Vehicle loan or lease

I am writing to formally file a complaint against Navy Federal Credit Union regarding issues with my auto loan refinancing process, which has left me in significant financial hardship. I believe this situation involves a lack of transparency and unfair practices during the refinancing process. Below are the details of my case : Background of the Issue 1. I refinanced my auto loan with Navy Federal Credit Union on XX/XX/year>. 
2. During the refinancing process, I was not informed that my Guaranteed Asset Protection ( GAP ) insurance coverage, which was part of the original loan, would be removed. 
3. I recently discovered that my GAP insurance was canceled on XX/XX/year>, despite the fact that I had been paying for it up to that date as part of my original loan agreement. 
4. I did not sign a new promissory note confirming the new terms of the refinance, which I believe means that the original loan terms, including GAP insurance, should still apply. 
5. Shortly after the refinance, my vehicle was stolen, leaving me with a substantial balance owed on the loan despite the previous GAP insurance that would have covered the loss. 

Attempts to Resolve I have attempted to resolve this matter directly with Navy Federal Credit Union. I escalated my concerns to their Escalation Case Management team, but their final response on [ insert date of NFCU response ] indicated that they consider this matter closed and have no further solutions to offer. 

Why I Am Requesting CFPB Assistance I believe the following issues occurred during the refinancing process : 1. Lack of Notification : I was not adequately notified about the removal of GAP insurance coverage or other significant changes to the loan terms during the refinance. 
2. Failure to Obtain Consent : Navy Federal Credit Union proceeded with changes to the loan without a signed promissory note or clear approval of the new terms. 
3. Unfair Financial Burden : The removal of GAP insurance without my knowledge has left me with a financial liability that I was unaware of and unprepared for. 
4. Continued Payments for Canceled GAP Insurance : I continued paying for GAP insurance up to XX/XX/year>, without being informed that it had been canceled. This is both unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$410.00} Date Opened XXXX XXXX XXXX Date Reported XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} paid Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status Date XXXX XXXX XXXX  After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item Equifax is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ID Notify credit monitoring account with Equifax due to the XXXX hack of a few years past. My Social Security Number was among those hacked. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence. 

After being responsible for such a hack, Equifax should work to protect me, not allow a scam using my good name and credit. This is not the case. 
In XXXX I found a negative and damaging report on my ID Notify site. 

The claim is that I owe {$4300.00} to XXXX XXXX and the collection agency XXXX XXXX XXXX of XXXX PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX XXXX XXXX XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Equifax? 

After a few weeks they sent me a letter stating that the negative report stands. This is not my debt. 

I tried to log in to the Equifax online site to address this issue, but my ID Notify Username and Password do not work there. I provided my Birthdate and my SSN to get an email reminder. Equifax sent an email to XXXX. I have NEVER had a XXXX email. So Equifax gave my info to the XXXX  and has an email address for me I have never had? I see from their attached credit report they have me as having lived in or operated businesses in XXXX and XXXX. I visited XXXX for my sons graduation from XXXX XXXX XXXX. Ive never been to XXXX. Then Equifax has the audacity to attach a negative report to my credit and refuse to amend it because the collection agency is sure it is me. Equifax cant even get my info right except what they gave the XXXX How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

The report they sent me said I have options. I turn to your offices because to deal with Equifax has become nothing more than an exercise in futility. Please help me remove the negative and unjust report from my credit report. I have worked so hard to have good credit, and just when I need it most for an auto loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.
Product: Credit reporting or other personal consumer reports

There are a number of billing mistakes on my credit report, including late payments that do not reflect my typical payment history. Please fix these errors and ensure my account is updated. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove or correct inaccurate information on a consumers credit report. The FCRA, specifically in 15 U.S.C. 1681i, outlines that when a consumer disputes information, the credit reporting agency must investigate the claim within XXXX  days. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly removed, corrected, or updated on the consumers report. 

Furthermore, the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified, the furnisher is responsible for updating it to ensure that the consumers report remains accurate, current, and fair. XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681, the FCRA gives consumers the right to dispute inaccurate or incomplete information on their credit report. If a consumer identifies late payments that are reported inaccurately, they can request an investigation by the credit reporting agency. The FCRA mandates that credit reporting agencies must verify the accuracy of reported information and correct or delete any disputed data that is proven inaccurate, incomplete, or unverifiable within XXXX  days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This act, found under 15 U.S.C. 1692, applies to debt collectors rather than credit reporting agencies, but it is relevant if a debt collector is reporting the late payment information. The FDCPA prohibits debt collectors from reporting false information and requires that any disputed information be reported accurately and updated as necessary.

XXXX. Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601, the TILA mandates that creditors accurately disclose credit terms, including payment history. This law enforces that creditors report accurate payment information to credit bureaus, including the timing and status of payments.
Product: Credit reporting or other personal consumer reports

I was looking at my consumer report and noticed some charge offs and late payments reporting on my consumer report. In accordance with Fair CREDIT REPORTING ACT, I Hereby request an investigation into these items and their subsequent removal from my credit report. Please remove these charge offs from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these agencies has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads way to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would be WILLFULLY continuing to violate various federal laws by continuing to report this information thats harming my character. Also For the agency XXXX XXXX XXXX has been reporting multiple late payments on my credit report has violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) or 15 USC 1681 ; I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I am requesting this matter be resolved in a fair and equitable manner. Also, this agency has violated the timing of payments law under 15 USC 1666b.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 
These reported late payments are not only a violation of federal law, but they have damaged me in the form of defamation of my character and your agency has committed aggravated identity theft, because I didnt give you written permission to report this information, which is a clear violation of the permissible purposes section of the Fair Credit Reporting Act, pursuant to 15 USC 1681b ( 2 ). 
I am demanding you to notify the consumer reporting agencies to correct the above late payments from my consumer report to a status of paid on time, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX Opp Loans deposited {$2700.00} into my account. 

On XX/XX/XXXX they tried to take a payment of {$250.00}. Which was also returned to my account on the same day. 

On XX/XX/XXXX I paid off the loan in full with a payment of {$2700.00}. 

On XX/XX/XXXX they credited me {$26.00} On XX/XX/XXXX I received an email and text message saying I was late on my payments. 

When I logged into their site it said I had not paid anything off and still owed the entire amount. I called their customer service explaining I had already paid off the loan in full. I have bank statements showing the money was taken out on XX/XX/XXXX and was not returned. Paying the loan balance in full. 

I was told by customer service it was a computer glitch and they acknowledged that my loan was paid off in full. 

I then called my bank and initiated a STOP payment on any future debits that Opp Loans tries to take out of my account. Even though I already paid off the loan in full.
Product: Student loan

These student loans are not mine The home I was living at withbmy boyfriend in XXXX Tx.. I lived as we broke up.. I left my iD in his drawer beside his bed.. I was angry because he was cheating on me with a girl that has same name as me..my ex had the lady name XXXX so her name XXXX XXXX .. this girl was from XXXX  and they kept all my things and wouldnt give them back to me. This lady is the one that falsified school documents and stole my identity!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Subject : Dispute of Fraudulent Collection Account Account Number : XXXX Dear LVNV Funding LLC, I am writing to formally dispute the validity of the account referenced above, which has been reported under my name. I have never opened any account with your company or its affiliates. This account was fraudulently opened without my knowledge or consent, and I am requesting that your agency take immediate action to remove this account from my credit report and cease all collection activities. 

The details of the account are as follows : Original Lender : LVNV Funding LLC Account Number : XXXX Date Assigned : XX/XX/XXXX Original Balance : {$550.00} Current Balance : {$550.00} I first became aware of this account through my credit report, where it is marked as a " Collection Account. '' After reviewing the details, I can confirm that I did not authorize this account or the charges associated with it. 

In compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you : Provide all documentation, including the original account application or agreement, to verify that I authorized this account. 
Remove this fraudulent account from my credit file if you can not provide such verification. 
Provide written confirmation of your actions regarding this account. 
To assist with your investigation, I have included a copy of my FTC Identity Theft Report. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by law. Additionally, I request that you forward this dispute to the original creditor associated with the account for their review. 

Failure to address this matter promptly may result in further action on my part, including filing complaints with additional agencies if necessary. 

Thank you for your prompt attention to this matter. If you need further information, please contact me via email at XXXX. 

Sincerely, XXXX XXXX
Product: Consumer Loan

i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. 
I would like this company to respond to my inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX  XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX  XXXX  Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX  XXXX  High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX  Reference number XXXX discharged XXXX is not her account CREDIT PROTECTION High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX  High balance {$690.00} Opened XXXX XXXX is not her account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the m iddle of repairing my credit and trying to rebuild since bankruptcy in 2016 I can not reach Transunion Once I mail to them its returned because of wrong address As a result I get denied for Transunion is giving out the wrong information to the creditors This is affecting lenders and credit cards that could help build my score Its impossible to reach Transunion either by mail or phone I even tried to get a copy of my credit report and its impossib le
Product: Debt collection

I have paid off an account in full and the company refuses to update and delete it off of my credit report.
Product: Credit reporting or other personal consumer reports

This is not my information i request that it be removed asap. I disputed it and they did not remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan SVC status is incorrect on my credit report. I was notified that I was approved for a Deed in Lieu of foreclose which I had applied for. Should reflect that on the account.