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

This is a problem with Pay Pal from back in 2019. A transaction of XXXX XXXX usd was transacted thru the account and all of the statements have some how disappeared and the account was closed no soon as the transaction was conducted. On this particular day a withdrawal from Pay Pal was taking place at an ATM around XXXX and XXXX with the business Mastercard by myself the sole owner of the account when the atm slip spit out it showed a balance of XXXX usd. Showed the person in the car and said is this right what Im seeing? And he said yes. The receipt was then put in the vehicle glove box tucked behind n the maintenance manual. About 5 months later car was stolen. XXXX  XXXX was the bank the atm slip came from and XXXX XXXXXXXX was the financing lean holder on this vehicle. Have contacted pay pal on many occasion and still get nothing. All accounts closed for a nonown reasons no money back and a nice hang up. This company has many other companies that have a profile on me and now had ruined name credit and what life there was. Countless hours lost for on all this and many attacks still today cause I wont hush! Now its getting personal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my credit report and it shows the inquiries above are fraudulent and I have a sent a copy of the FTC report to request removal. I have not been successful and I need these removed due to attempting to purchase a home.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

THIS IS A SECOND TIME SUBMITTING COMPLAINT AS INFORMATION CITI BANK PROVDED WAS NOT RELATED T ME : O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/FRP and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Product: Debt collection

am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ Wells Fargo ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt
Product: Mortgage

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on WELLS FARGO HM MORTGAGE. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

WELLS FARGO HM MORTGAGE XXXX Balance {$0.00}
Product: Prepaid card

I have purchased a large quantity of XXXX gift cards which are serviced by Incomm, which decline when I attempt to use them. I have contacted Incomm about this issue and they did not offer any type of resolution for how I can actually use the cards, other than to " keep trying at other merchants ''. This is absolutely unacceptable to me, as I can not use these for the purchases I intended to when buying these cards, at merchants I have been able to use these cards for years. These cards at the time of purchase were advertised as able to use anywhere, however, that is certainly not the case. They have altered the terms of use of my cards after my purchase. 

I am requesting a full refund all gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been for months now trying to get information that is on my experian report removed about a bankruptcy that is reporting. I checked my credit and saw a bankruptcy and requested it be removed due to Experian saying they received the information from XXXX XXXX. I am attaching my XXXX XXXX report and showing no bankruptcy on it. Its against the law to falsely report information and i would like it removed immediately. I am also attaching copies of my report from XXXX  who have deleted the bankruptcy. 

This is stopping me from obtaining credit and a job. please investigate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, i received a letter from Mariner Finance ( letter attached ) which stated I was declined credit due to my XXXX credit report. However, i did not submit a request for a loan/line of credit to Mariner Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX  XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX : Formal Complaint Against TransUnion and Creditors FCRA and FDCPA Violations To Whom It May Concern, I am filing this formal complaint against TransUnion, XXXX XXXX, XXXX XXXX XXXX, and the companies responsible for multiple unauthorized hard inquiries on my credit report. These violations have persisted for over nine ( 9 ) months, significantly damaging my creditworthiness and financial standing.

Violations and Legal Claims : 1. Unverified Collection Account XXXX XXXX XXXX ( {$3900.00} ) This debt has never been validated as required under 15 U.S.C. 1692g ( FDCPA ).

Reporting this unverified debt for over nine months is a willful violation of 15 U.S.C. 1681s-2 ( b ) ( furnishing inaccurate information ).

2. Inaccurate Rental Account XXXX XXXX This account has been unlawfully reported for over nine months, violating 15 U.S.C. 1681b ( no permissible purpose to report inaccurate or unverifiable data ).

3. Unauthorized Hard Inquiries Total of 7 Violations These companies pulled my credit without my consent, violating 15 U.S.C. 1681b ( f ) ( Permissible Purpose ).

These inquiries have remained on my report for over nine months, further compounding damages. 
Total Damages Calculation ( Per FCRA and FDCPA Laws ) : FCRA Willful Violations ( 15 U.S.C. 1681n ) : Up to {$1000.00} per violation FCRA Negligent Violations ( 15 U.S.C. 1681o ) : Up to {$1000.00} per violation FDCPA Violations ( 15 U.S.C. 1692k ) : Up to {$1000.00} per violation Violation Type Number of Violations Compensation per Violation Total Damages Unverified Collection Account 1 {$1000.00} {$1000.00} Inaccurate Rental Account 1 {$1000.00} {$1000.00} Unauthorized Hard Inquiries 7 {$1000.00} {$7000.00} Continued Reporting Over 9 Months 12 {$1000.00} {$12000.00} Total Demand for Damages {$21.00}, XXXX Resolution Demanded : 1. Immediate removal of the following : o XXXX XXXX XXXX XXXX account o XXXXXXXX XXXX  rental account o All unauthorized hard inquiries listed above 2. Compensation of {$21000.00}, payable to XXXX XXXX, for violations of the FCRA and FDCPA. 
3. Written confirmation of these deletions and payment within 24 hours.

If this demand is not met, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and initiate a federal lawsuit for damages under 15 U.S.C. 1681n. This matter has been ongoing for over twelve months, and failure to act now will result in legal consequences.

I expect a response within five ( 5 ) business days confirming the removal of these accounts, inquiries, and the full payment of damages. 
Sincerely, XXXX XXXX XX/XX/XXXX Last 4 : XXXX
Product: Student loan

Before I XXXX to XXXX in 2008, I co-signed my wife 's private student loan since I was employed and she was a XXXX. I came home from XXXX XXXX and XXXX XXXX. My only source of income is VA XXXX and XXXX. My wife left me and got a XXXX about a XXXX after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a XXXX and XXXX XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to XXXX and XXXX XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.
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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : 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 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 XXXXXX/XX/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 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: Debt collection

XX/XX/22 XXXX XXXX ( XXXX XXXX XXXX ) took {$250.00} from my checking account. No idea how they got my routing number. I contacted my bank on XX/XX/22 and account was closed immediately. Now XXXX has reported the charge to a collection agency. They have since sent letters, made phone calls etc. I told the credit agency, TRS XXXX XXXX XXXX XXXX, that the debt was not mine. They insisted it was and would not give me or send to me documentation to support their allegations. I refused to provide any further information but these people have my name, address, phone number and I feel threatened by their actions. I XXXX years old live on a limited income and really don't know how to deal with these people
Product: Credit reporting

Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.
Product: Debt collection

The credit card company in question starting from XXXX/XXXX/2015 to today have made SEVERAL calls per day without leaving a voicemail and the few times I have answered the phone, the caller has hung up. Thus violating the Fair Debt Collection Practices Act section 806 by " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''
Product: Credit reporting, credit repair services, 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 15USC 1681. 

XXXX XXXX : # XXXX, US DEPT OF ED/XXXX XXXX : # XXXX, XXXX, XXXX  XXXX : # XXXX 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 record 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: Student loan

I looked into options to consolidate and lower my student loan payments. I reached out to XXXX XXXX XXXX and signed up for their repayment program. Some how- I ended up receiving- what I thought was more help- from another company named Fed Loan Help . The website is Fedloanhelp.org. Which is now up for sale- and you can not contact any of the people who originally helped me ; listed below. 

XXXX XXXX and XXXX XXXX and XXXX XXXX both from : Fedloan Help : Nonprofit Organization Phone : ( XXXX ) XXXX Ext XXXX & XXXX XXXX & XXXX XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX XXXX I had been paying {$72.00} from XXXX XXXX to XXXX XXXX every month in an automatic payment plan. XXXX XXXX, XXXX I received an email from XXXX XXXX XXXXXXXX XXXX the real company ) informing me that my payment was late. I then called the next morning to ask what was happening as I had been paying {$72.00} every month automatically. Which I then realized that they stopped taking my money XXXX XXXX, so things were not adding up. XXXX XXXX XXXX informed me that in XXXX XXXX I enrolled in a {$0.00} payment plan for the year and this was my first payment. Which then means the money I had been paying has gone to thin air. {$72.00} for 15 months XXXX XXXX XXXX to XXXX XXXX XXXX totals {$1000.00} which I thought was going to my Fed loans, is now missing. I tried to contact the numbers given from the people above. I tried to email, reach someone on the website, I even asked for help from other repayment companies. All of which said Fed Loan Help was not real. Once this happened I contacted my bank- TD XXXX XXXX make sure all payments would be stopped and they could n't take anymore money. I also asked XXXX Bank if I could put in a dispute against the charges as this is clearly a fraudulent company. They took about a month to see what they can do, but it came back that XXXX Bank can not dispute any charges over 60 days, which my last charge was XXXX. So now I am out this money, with loans to pay, and I am hoping for some help in getting this money back towards my real loans. Thank you.
Product: Mortgage

My mother took a reverse mortgage out with Wells Fargo in XXXX. They promised her payments or a check for the equity in her house. They never sent her anything. She kept calling and no one would ever return her calls or tell her what was going on. She died of XXXX XXXX XXXX XXXX. I am the executor of her will. Is her estate owed money from Wells Fargo reverse mortgage scam? Or remediation? The house was eventually foreclosed on. The stress on her for them not doing what was agreed on was part of killing her.
Product: Debt collection

Citizens Pay XXXX XXXX Reported my payment late 2x on an Account that was closed 2 years ago. This was for XXXX a home alarm. I had moved houses and closed my 1st account at my old house, but re-opened a new account at my new location, but I was still being charged for my old account and did NOT Know it because I had called and cancelled that account. Anyways my current account was NEVER late and I made all of my payments on time, but when I called XXXX to handle this, they ended up refunding my money for my past account, but said they could change my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2023 I got an email alert from my bank saying that there is a change on my Experian credit report. a lender reported that I opened a new account with them. I call the company name XXXX  and the said they cant see any line of credit open and I should call Experian which I did. I call them and they saw the open account name XXXX  XXXX they told me to file a police report and also go to FTC. Org to file a report. I went ahead and file the report the same day. 

On XX/XX/XXXX I saw an alert from my bank saying there is charge on my debit card in the amount of {$140.00} on XXXX XXXX. I immediately call my bank and cancel that charge. They went ahead and blocked my debit card and told me that they will have to cancel my card and issue another one which they did am still waiting on the new card. 

Am a victim of fraud and someone have my information and using it to open a credit card and trying to charge my debit card. I don't know what to do cos am scared and I need help.
Product: Debt collection

Was informed that insurance was going to cover bill. The collection debt was paid XXXX XXXX ( XXXX ) via phone. After it being paid, was denied for it to be removed. I did not receive any notifications that bill could have gone to collections debt beforehand. Would like for it to be removed for home loan.