23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX a/k/a XXXX XXXX Loan  XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX instead of XXXX shown in XXXX Client Payment History Current issue : XXXX Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX  a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX  a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Student loan

EdFinancial Account number XXXX has been paid off since XX/XX/2020. They are in VIOLATION as the  balance has yet to be updated on my credit report. They are still reporting a balance of {$550.00} as of my report pulled on XX/XX/2020. This account reporting on my credit is preventing me from getting the credit rating I deserve. I DEMAND that this account be DELETED right away. I am attaching my bank statement, confirmation letter that the account was settled and copy of my credit report.
Product: Credit reporting or other personal consumer reports

This is a fraudulent account. I have claimed this as fraud. I have sent my FTC report, Drivers License bank statement, FTC Letter. 
I've asked for this account to be blocked experience told me that they would not remove or block it, even though XXXX has no record of this account or balance. 
Experian said that they were provided with information to validate the account and XXXX said that was a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
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  15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX & Eq ) This ground for removal they also violated my rights under 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
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017, I received a text offering a payday loan. Since I was in financial need at the time, I clicked on the link in the text and filled out the online form. I then received a phone call from a woman at XXXX XXXX XXXX who walked me through the steps to get approved for a {$1000.00} loan. When I asked the rep how much this loan would cost me, she informed me that with the interest, the total amount to pay back was {$1100.00}. I received an email stating that my loan was approved and the funds were on the way. 

After making my initial payment of {$330.00}, I noticed that the loan balance had not decreased very much, so I contacted the company. A rep informed me that only {$50.00} of my payment went to the balance and that the rest went to interest. The rep then emailed me an interest statement that I " allegedly signed '' agreeing to an astronomical interest rate of over 600 % and that the cost of the loan was actually {$4000.00}! 

I never signed this interest disclosure and was not ever made aware of anything that was included on it. After further review of the disclosure, I realized that my name was n't even spelled right on the document and the electronic signature, with my name spelled incorrectly, was time stamped for XX/XX/XXXX at XXXX. The loan approval email was received on XX/XX/XXXX at XXXX. How could I have signed something at XXXX when the loan was already approved and the funds were being transferred at XXXX. I never saw this disclosure statement nor did I sign it when the loan was initiated.
Product: Checking or savings account

I opened an account with Truist Bank. As soon as the account was opened, I deposited a cashier 's check in my company 's name on XX/XX/year> from XXXX XXXXXXXX XXXX, in the amount of XXXX {$47000.00}. The next day the account was simply blocked and I had no right to access it. After that, I went to the bank every day trying to resolve the issue, and no one wanted to help me. On top of that, they treated me very badly. After several calls and attempts, on XX/XX/year>, an attendant told me that I needed to wait 7 business days for them to review my account. Today, XX/XX/year>, no one resolved my problem. Today, XX/XX/year>, they told me that they would not give me a deadline to resolve my account. Today, I do not know where my money is. I do not have access to the account. I went to three branches and no one resolved my problem. I spoke to more than 15 attendants. I called and no one helped me resolve anything. They didn't give me a set deadline for the review and they didn't release my money. 
XXXX XXXX XXXX Transaction Number : XXXXXXXX XXXX XXXX XXXX XXXX - TRUIST BANK INFORMATION : Account Number XXXX  Routing Number XXXX
Product: Money transfer, virtual currency, or money service

I am having an issue with PayPal as they have hundreds of dollars of my money that I earned on a hold. Its been like this for weeks where PayPal has limited my accounts access and have not allowed me to use my account, or get access to my money. I am a XXXX  and I thought PayPal was a safe way to complete transactions with customers but now I realize that they are a scam. I have contacted them every day since this has occurred and my issue is still not resolved to this day, nor do I get any help from their customer service. It seems as though they have no obligation to return my money to me, and wont even tell me why my account was put on limitation even in the first place. Every document or Id PayPal has asked of me, I have sent them. But, still my issue is not resolved. I took my issue to XXXX, where I realized there are many many more consumers of PayPal, going through the exact same issue. They are holding large amounts of money from their consumers for 6 months + time, without any explanation. This is unacceptable. There is something fishy going on with them and I truly believe they are a scam and stealing peoples money. Something has to be done about this because I need that money to pay my bills desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative Accounts are showing on my report that i know nothing about.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to report a fraudulent transaction on my PayPal account that was closed by PayPal as ineligible for Purchase Protection. On XX/XX/2022, I reported a charge of XXXX XXXX  to XXXX XXXX and requested a refund. However, PayPal closed the case without providing a refund or any explanation. 

As a consumer, I trusted a large multinational company like PayPal to protect me from fraudulent transactions. I never thought that something like this could happen to me. I made the payment to XXXX XXXX after seeing an advertisement on their website claiming to offer an easy and quick way to set up a corporation and rent it out. They even stated that PayPal payments were accepted, so I proceeded to make the payment without much suspicion. 

However, after receiving my payment, they demanded an additional payment of XXXX XXXX  before proceeding with the corporation setup. I made the payment again, but ever since then, I have not been able to contact them. They keep asking me to go through an authentication process, but even after completing it, they keep asking me to do it again. I have not been able to contact them since XXXX, and I feel extremely frustrated and hopeless. 

I strongly believe that this transaction is fraudulent and that I have been unfairly treated by PayPal. I have provided PayPal with all the necessary documentation and information to support my claim, but they have failed to take any action. I am urging you to investigate this matter thoroughly and take appropriate action to prevent fraudulent transactions like this from happening to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a CHAPTER-XXXX  BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " MORTAGE CLEARING CORP '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Product: Credit reporting or other personal consumer reports

Ive been requesting assistance from Experian since the beginning of the year around XX/XX/XXXX for identity, theft protection, and assistance as advertised for identity theft when you call the automated line tells you that they will work with the police and your creditors to assist you in identity theft, and they will walk you through identity, theft restoration and theyll even work with the police to help you solve your problems. I have contacted Experian on numerous occasions and they advise that they can not assist with talking with the police or talking to the creditors, they tell me that They will walk me through on how to submit the information and talk to these individuals in these companies rather than actually assisting, it is false advertisement. I have had an account with them since 2021 and Ive been paying for services that are advertised in a way for assisting the entire way through this process of identity theft now when you call their call center does not assist they do not call you back. They do not help you with identity theft they do not assist in what they advertise. It is false advertising and I would like a resolution I would like what I have paid for for the past 3 to 4 years And I would like for them to contact me and get a specialist. I have been XXXX  out by their main office in California they told me that they dont put people through to anyone for assistance.
Product: Credit reporting or other personal consumer reports

I need this information to be completely deleted from my history because it is not mine, it hurts me XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2021, I went to use my debit card at the store and it didn't work I thought it was the chip on the card that was broken, so I went on the app to check the account to see about the funds on my account and I couldn't access the account they had closed my account without telling me. I called them up at that time, and they told me that I should get the notice of the closing of the account in a couple of days, now I have money in that account and a deposit that goes in every week from work. I have bills that I need to pay and now I have to wait 2 week for them to send me a check and I can't even access my statements to know what has been declined because I don't have that account anymore, and my paycheck I don't know how im going to get that money and have to wait for me to get an account somewhere else so I can have it deposited.. please help me I have bills to pay and need gas to work.
Product: Credit reporting or other personal consumer reports

There is a collections account on both TransUnion and XXXX, XXXX XXXX, Ive disputed this account many times, this account is inaccurate its not mine, XXXX and TransUnion both refuse to disclose the investigation and both times come back and say results are consumer disputed in past verified and remained. This collection is not mine, Ive never had an account with original creditor, nor has the debt been verified
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Citibank for unlawfully denying my application for credit in violation of federal laws, specifically : The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 The Truth in Lending Act ( TILA ), 15 U.S.C. 1602 and 1611 XXXX XXXX XXXX XXXX XXXX XXXX, 12 U.S.C. 1431 Issue On XX/XX/year>, I applied for credit with Citibank and was subsequently denied without an adequate or legally valid explanation. Citibanks decision to d

eny my credit application appears to be in direct violation of the ECOA, which prohibits creditors from discriminating against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance ( 15 U.S.C. 1691 ).

Additionally, the ECOA and its implementing regulation, 12 C.F.R. 1002.9, require creditors to provide a specific reason for a denial of credit in a timely manner. Citibank either failed to provide an explanation or provided an insufficient explanation that does not comply with these legal standards. 
Furthermore, under the Truth in Lending Act ( 15 U.S.C. 1602 ), Citibank is obligated to disclose credit terms transparently and in good faith. Denying credit without valid reasoning undermines my rights under this statute and suggests non-compliance with 15 U.S.C. 1611, which prohibits creditors from knowingly failing to provide accurate disclosures or following legal obligations.

Legal Basis 15 U.S.C. 1691 ( ECOA ) : This provision prohibits discrimination and mandates clear, timely communication of reasons for credit denial.

12 C.F.R. 1002.9 : Requires creditors to issue a written statement detailing specific reasons for denying credit or informing the applicant of their right to request this information within 60 days.

15 U.S.C. 1602 & 1611 ( TILA ) : These provisions ensure that lending practices are conducted transparently and that any denial is justifiable and communicated effectively.

12 U.S.C. 1431 : This section governs federal oversight of lending practices and ensures that financial institutions operate in compliance with public and consumer protection laws.

Harm Caused The denial of credit has caused significant harm to me, including : Inability to meet my financial needs and goals due to lack of access to credit. 
Adverse effects on my creditworthiness and potential opportunities for future credit. 
Emotional distress and financial hardship as a result of being denied without proper justification.
Product: Checking or savings account

Citibank closed my checking account on XX/XX/ for no reason and I had {$2400.00} in the account. Citibank has not sent me a check for the amount and has not told me why the account was closed.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account/items was in dispute within XXXX days now this account in violation 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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: Debt collection

I received a call from someone named XXXX from Credit Management Company who advised he was calling to collect a debt. I asked him how did he get my phone number? He didn't respond. I then advised him if he was familiar with 15USC 1692 code? I also advised him that i never signed a contract with this company and he should not have my information. They are reporting inaccurate information due to I have not signed any contract with them. My rights have been violated by this company and the company who sold them the debt. They should not have any of my information. This is my formal cease and desist for them to no longer make contact with me via telephone email or any method starting today XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to Capital One asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with Capital One stating that you believe there is fraudulent activity on your Capital One account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! Capital One refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. Trust is there isn't because someone else clearly used this card and Capital One REFUSES to do anything about this!
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX XXXX to Midland mortgage. Midland mortgage is refusing to take hardship requests for increase in expenses without increase in money. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a fixed income every month. My pay has not increased enough to keep up with my increased expenses. I have been unable to request more XXXX XXXX bc Im not allowed to do that per my agreement bc my ex kept fighting me on that. I am the custodial parent, trying to keep my home so my kids can stay in the school district. They will be applying in the fall to XXXX and that is a whole other expense. My bills, groceries, etc have increased. I was evacuated during Hurricane Ida and had to replace my entire heating system bc I had XXXX feet of water and my furnace, oil tank and hot water tank all were severely damaged. Midland mortgage always comes back with the highest interest rate possible and they will not take any of my requests into consideration. I also have XXXX XXXX and the stress of losing my home is making my health worse. 

I feel like that do not care about helping me one bit.