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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

I am struggling with XXXX XXXX XXXX XXXX XXXX XXXX. They put me onto the lease monthly payment deferment program without my explicit permission. Since I opened a new lease account in XX/XX/XXXX, I have never been late to the monthly payment ( not even a single time ). I do not want to be a part of the deferment program. I do not ( and can not ) know what benefits XXXX receives from local/federal programs at this moment by putting their customers onto that deferment payment program ; however, I do not want to be on that deferment program. Since XXXX reported falsely my account status to the credit bureau I am now having a hard time getting a refinancing. Ive contacted XXXX regarding this very issue multiple times via calls/emails/XXXX  Support teams, and they are not willing to correct their clear mistake putting my lease account onto the deferment program without my clear permission. This ill practice must be stopped. Again, I have never been late in making monthly payments and I did clearly ask XXXX to delist my account from the deferment program. XXXX has refused to correct their mistakes. They placed my lease account onto the deferment program in XX/XX/XXXX, and I contacted them in XX/XX/XXXX to fix that. I contacted them back in XXXX and again XXXX to correct it. It is still remained unchanged. I have spent more than 30 hours to resolve this issue with XXXX in a reasonable manner ; however, XXXX keeps repeating the same nonsense. It is a really frustrating and horrible time-consuming experience.
Product: Credit reporting or other personal consumer reports

The late payments listed are not aligned with my regular payment patterns.
Product: Credit reporting, credit repair services, or other personal consumer 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 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate and incomplete credit information.

I am distressed that they included the information below in my credit profile, and that this company have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : Name ; XXXX XXXX XXXX : XXXX The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six month, or the last 2 years for employment purposes.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Inquiry XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry ALLY FINANCIAL XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Inquiry XXXX XXXXXXXX XX/XX/2023 Card over limit XXXX XXXXXXXX XXXX XX/XX/2023 Potentially negative XXXX XXXX  XXXX XX/XX/2023 Public record XXXX XX/XX/2023 New address XXXX  XX/XX/2023 Public record XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXXXXXX XX/XX/2023 New account XXXX XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXX XX/XX/2023 Public record 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization. 

XXXX - Delete from file XXXX XXXX XXXX Delete from file XXXX  XXXX  - Delete from file XXXX XXXX  - Delete from file XXXX XXXX XXXX XXXX XXXX Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$23000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, XXXX, and Equifax for not resolving inaccuracies on my credit report. Despite requesting a re-investigation, the inaccurate information remains unchanged. My prior complaint was closed, but no corrective actions were taken to resolve the issues. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the following : FCRA Section 1681i ( a ) The credit bureaus failed to conduct a thorough investigation of the disputed account, leaving inaccurate information on my credit report. 

FCRA Section 1681e ( b ) The information provided by these agencies is not reported with the maximum possible accuracy. They did not verify the data properly, resulting in continued inaccuracies. 

FDCPA Section 809 ( b ) The credit bureaus have not provided proper validation of the disputed account, violating the requirement to confirm and substantiate the debt in accordance with the FDCPA. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to review this matter and ensure the credit bureaus comply with their obligations to provide accurate information on my credit report.
Product: Debt collection

RSI Enterprises contacted me to collect upon a debt that is ; a. invalid b. not within their rights to collect on upon asking RSI for verification via U.S. certified mail, I received a response that does not fit the burden of proof for such a debt. RSI at this time has continued their collection efforts on this invalid debt.
Product: Checking or savings account

Citi Bank is taking the stance to discriminate unjustly 2nd amendment supporters and businesses by imposing policy that should not pertain to them. 
I urge you to discourage Citi Bank and XXXX XXXX XXXXXXXX to stop these practices. 
Thank you
Product: Money transfer, virtual currency, or money service

On XXXX, I did 3 transfers from my Navy Federal Credit Union XXXX XXXX XXXX XXXX for {$2.00}, {$3600.00} and {$5000.00} to later find out I was being scammed. I was under the impression I was getting a turn key XXXX. Once I found out that it was a scam I spoke with the bank and explained to the representative what was going on and to try an have my money returned back to me. I was told that I would need to get a lawyer because it was a civil matter. I spoke with several lawyers who reviewed the info I received from XXXX XXXX XXXX and said it was a scam better known as crowd funding and to speak back to my bank to try to get my money back. I spoke back with Navy Federal Credit Union explaining to the representative that my money was sent to a scammer business account there with them but was told its not anything that could be done because I sent the money peer to peer and once I hit submit the money was gone. I was told nothing could be done because it was just like when you send money on cash app or XXXX. I explained to rep I know something could be done because I have sent money to wrong account on XXXX XXXX and was able to dispute it to get my money back. However, my bank is helping XXXX XXXX XXXX steal money from me and numerous of other people. I just want my money back i paid to XXXX XXXX XXXX for a fake XXXX. All, I got was signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

O  n  XXXXXX 201  7,  I  pulled my  3 in 1 cre dit report through   XXXX   - it showed that I had  XXXX  collection accounts on my Equifax report - I am not liable for these accounts. I submitted a dispute online for all  XXXX  accounts. On    XXXX    17, I  received a response on stating that these accounts were verified and are in fact mine. However, I am not liable for these accounts. Upon the direction of the communication I received from Equifax - it stated that I should file a complaint with your agency against Equifax.
Product: Checking or savings account

On XX/XX/2023, I was the victime of a XXXX scam and lost {$1500.00}. This person used a stolen/hacked XXXX account to advertise XXXX XXXX concert tickets for sale for the XX/XX/2023 event in XXXX, Ohio. The " seller '' was posing as XXXX XXXX XXXX. I later contacted another person with the same name on XXXX and she confirmed that her account had been hacked two years ago. 
I contacted the " seller '' via XXXXXXXX XXXX in order to purchase XXXX tickets. They asked for payment upfront via XXXX in exchange for all of the tickets being transferred to me via XXXX. I sent two payments directly from my checking account via XXXX - one for {$1000.00} and a second for {$500.00} - vas instructed. The payments were received. After confirmation that payment was received, this person disappeared from my messages, leaving me unable to contact them or view their " profile '' on XXXX. I never received the concert tickets. 
The first transaction was to XXXX XXXX or XXXX XXXX in the amount of {$1000.00} via XXXX and sent to email address : XXXX The second transaction was to XXXX XXXX in the amount of {$500.00} via XXXX and sent to email address : XXXX I contacted my bank, Huntington, about recovering the funds but they would not do anything to help me. I have also filed a police report but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXXXXXX XXXX  {$1300.00} XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - XXXX XXXX XXXX
Product: Debt collection

To Whom it May Concern : This is the second time I have had to report Midland Credit Management Inc. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. Midland Credit Management continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from XXXX XXXX. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the XXXX XXXX account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from Midland Credit for several months, providing details of the XXXX XXXXXXXX account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my XXXX XXXX from XXXX showing I was residing there from XXXX onwards. 
Midland 's practices are unethical and I am requesting this matter be addressed.
Product: Debt collection

SECTION 623 ( a ) ( A ) Personal Statement Personal Statement Personal Statement SECTION 623 ( a ) ( A ) i am writting to formally request the removal of inaccurate, negative, fraudulent, and outdated items from my XXXX, XXXX, XXXX credit report. As per my rights under the Fair Credit Reporting Act, i am entitled to dispute and correct any erroneous information thats adverserly affects my credit standing please investigate and rectify the discrepancies in my credit reports promptly to ensure they reflect accurate and fair nformation. 
Accounts Affected
Product: Student loan

I have been trying to get in contact about lowering or temp suspending my payments. My payments are currently {$520.00} and I only make {$1800.00} a month.. my check basically covers my rent and the student loan for my son and I can barely make it to survive and in the process of being evicted. I have sent in my paystubs multiple times and have not heard a word. I was forced to take out another loan so I can just make the monthly payment and not fall behind. It has been months with no contact and now just seems as if I am getting ignored.
Product: Credit card

I reached out to PayPal/Synchrony Bank XXXX XX/XX/XXXX. I spoke to the fraud department as there were $ XXXX charges on a line of credit that I did not open and did not make charges to. the charges were out of state and some were out of the country. I was told that it was taken care of, but it has not been. They closed my account and I've been locked out of it for over a year, so I have no idea if any additional charges had been made. In the meantime, they sold my account and to collections and XXXXXXXX XXXX is now suing me for {$5100.00}! The court date is set for XXXX XXXX, XXXX! 

I spent another 2 hours on the phone today with both PayPal and Synchrony Bank/PayPal Credit and after being transferred at least 8 times, I spoke to XXXX, Manager of the PayPal Credit Fraud Department again today, XX/XX/XXXX. His employee ID is XXXX. He said he disputed all of the charges totaling {$5100.00} and that I'd receive a letter in 7-10 days confirming the dispute. The entire process, he informed me, takes up to 60 days! I need this resolved now. This is now on my credit and I'm facing a court date, additional collection fees and possibly a wage garnishment if this isn't resolved. 

A report has been filed with the Federal Trade Commission for Identity Theft.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$100.00} CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$53.00}
Product: Credit card

Wells Fargo Bank cancelled my credit card due to a transaction the rental car company placed 3 weeks after my business was done with them.
Product: Prepaid card

I purchased a XXXX gift card from the Blackhawk Network for use in online casinos. I attempted to use the card at one of the supported online casinos, XXXX and the card did not work. I opened a support ticket with XXXX and they were non helpful and did not resolve my issue. I am still unable to access my funds.
Product: Money transfer, virtual currency, or money service

Paypal limited my account and requested that I submit my id, proof of address, and bank statements. 

I did. While submitting my info i got a message saying that my account was closed. I called paypal and spoke to XXXX. She was very nice and said the system was triggered with how my name was in my id. Frist, middle, Last, suffix paypal only allows for first and last name on profile. 

well the rep sent me a link via message center to submit the rest of my items and said that they have to be checked by a human. 2-5 day wait and i would hear back. 

called 2 days later spoke to XXXX. XXXX said everything was submitted, and this time ID was approved waiting on human to check the other papers. A healthcare bill, says my name and address, and bank statements. 

call today XXXX 5 days later, still no response.. I called spoke to XXXX, he said my account is perma closed and nothing can be done. 

I have been a paypal customer since XXXX, and now they closed my account with almost {$700.00} inside. I have never filed a dispute or had and real issues. I am asking that they reopen my account.