23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

My complaint is against Paypal. Back in 2001 I was on a Paypal account which had a chargeback. Since then the company I left the company I had been working with and set up my own Paypal account. About 10 years later, Paypal took away my personal account and stole the money that was in it at the time ( XXXXXXXXXXXX ). I have tried to work with them since then and their representative told me, and I quote " you are simply XXXX ''. I ask for the help of the CFPB here. I did file a XXXX statement when they stole the money which I will attach to this complaint.
Product: Debt collection

Reported wrong amount to credit bearu after I started making payments and after telling me that if I started making payments its wouldnt be reported also reported wrong amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( XXXX ) : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
Product: Debt collection

I am writing to express my concern regarding the ongoing communication I have been receiving from the company in relation to an alleged debt. I have previously requested proof of a contractual agreement within the allowable time frame, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Unfortunately, I have not received any response to my request for validation of the debt, and this lack of communication is concerning. As a responsible consumer, I followed the appropriate steps by reaching out for proof of the contractual agreement, but the silence from there end has left me in a state of uncertainty. 

In light of the lack of response and to safeguard my rights under the FDCPA, I subsequently sent a Cease and Desist letter requesting that all communications regarding this debt cease immediately. Despite this formal request, I continue to receive mail from the company, asserting that I owe money and attempting to collect the debt. 

I want to bring this matter to your attention in the hope that we can resolve it amicably. I remain committed to addressing any valid debts I may owe, but I need proper documentation and clarification to move forward. The continued receipt of communication despite my Cease and Desist letter is not only a violation of the FDCPA but also an inconvenience. 

I kindly request that you review my case and provide the necessary proof of the contractual agreement or cease any further attempts to collect the alleged debt. Your cooperation in resolving this matter promptly would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

So my Ollo credit card was stolen and used to make fraudulent charged in XX/XX/XXXX, I called and reported the fraud and had the card stopped but there had been fraudulent transactions made on my account. I spoke with the Agent around XX/XX/XXXX or so. He advised me that he would report the charges from XX/XX/XXXX and forward as fraudulent charges. I get a letter advising me that the fraudulent charges had been credit but I only received credit for one charge for XXXX, so I called in around XXXX XXXX and speak with someone in the security department who advised that she didn't know why the other charges had been missed but she had reviewed with her manager and they were sending the charges and having the claim reopened and escalated. So I called a week later and get told it was reopened and being reviewed, to allow some more time and that charges were normally credited within two weeks. I have called multiple times and am still being told the charges are being reviewed. It has been over a month since my fraud claim was reopened and supposedly escalated and still no resolution after a month of being escalated. They still haven't adjusted all the fraud charges and to date have only done the one credit of XXXX. Every time I call I'm told allow more time, allow more times. Its been two months since it was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I discovered a collections reporting on my Equifax report that wasnt mine. I sent a validation letter to the collections agency and they sent back a document with a forged signature and a date of birth that didnt match mine. I disputed with Equifax and asked that they send proof of the account being mine. They removed the account then it returned in XXXX. I filed an FTC report and mailed Equifax a copy via certified mail. They removed the account but then it came back again. I called and was told it came back because the company is still reporting as mine but since Equifax had the FTC report on file I was told it would be blocked from returning. Now Im trying to buy my first home after experiencing identity theft and homelessness and the collections has returned to my Equifax.
Product: Credit card

Citi AAdvantage is soliciting Credit Card application for XXXX at my residence, even after phone calls to stop sending those applications.
Product: Credit card or prepaid card

I want to remove this Accounts, because it's a fraud, I am a victim of identity theft. someone used my personal information without my :
Product: Mortgage

I just remember how I'd get conlficting information on my loan after my loan modification with Caliber Home Loans. 


They are selling my loan to XXXXXXXX XXXX XXXXXXXX, who I've been reading has WORSE reviews with holding payments and not telling the customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND THIS IS RUNING MY LIFE.
Product: Student loan

I have student loans. When I was not able to make the payments, the servicer told me t go into forbearance. I told them I was on the Public Service Loan Forgiveness plan. I was assured that being in forbearance would not interfere with loan forgiveness. 
I submitted my PSLF in XX/XX/2023. They say I do not qualify as I was in forbearance, I would not have chosen forbearance had I known this. The loan servicer agents gave faulty information.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX XXXX ACCOUNTS FROM MAY OF XX/XX/XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX XXXX XXXX  ( AUTO ) ACCOUNT FROM XX/XX/XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.
Product: Student loan

In XXXX, my spouse at the time consolidated our student loans. My balance at that time was {$46000.00}, hers was {$97000.00}, making a total of {$140000.00}. The loan was originally with XXXX XXXX, currently it is Navient. We had children in XXXX and XXXX and were living on XXXX limited income so we stupidly placed the loan in forebearance as interest accumulated. We have been on Income-Based Repayment for 10 years now as interest continues to be accrued. The current loan is {$450000.00}, making a total of {$300000.00} in interest. My wife is now my e-wife but we are still sharing the payments. Ther XXXX  continues to increase due to the size of the loan. It is currently over {$1000.00} per month. While we do not work for non-profit, we have both worked with XXXX individuals for more than 20 years. We are both modest income people. I am XXXX XXXX XXXX and looking towards retirement. Is there anything that can be done? Thank you
Product: Credit reporting

3 problems I have with Equifax and they are clueless to resolved the problems : 1. Still have n't received my credit report from them, I filled a complaint with CFPB, last month about this. 
2. On XX/XX/2017 I had a hard inquiry placed by XXXX on my file. I have been a XXXX customer for 12 yrs. Never applied for any new services with them. I called and all they said was send my Id and a bill and the would investigate it, still waiting 3. On XX/XX/2017 I received a call from XXXX, stating XXXX placed a Hard inquiry on my report. I have n't applied for anything with XXXX.
Product: Credit reporting or other personal consumer reports

'I 'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. I told XXXX, TransUnion, and XXXX, to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify account 's that aren't reporting correctly.15 USC 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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers : XXXX Collection/Charge Off XXXX XXXXXXXX XX/XX/XXXX {$1100.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This is my first 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC have asked you to validate the alleged debt you claim I owe, for an alleged account XXXX XXXXXXXX for a balance of {$1300.00} which you can not prove is mine.You LVNV FUNDING LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability
Product: Credit reporting or other personal consumer reports

1. ) I want my correct address put on my credit profile and all other addresses removed from my credit profile & my history. There are several incorrect addresses, phone numbers, a name, employers, and inquiries that I didn't authorized and I want this items corrected.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacyTrans union are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of 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. '' Under this title, furnishers of information to credit agencies are defined as financial institutions.

15 USC 1681, Section 604a2, states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.trans Union, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto XXXX, XXXX, and the furnisher of information to credit agencies.

15 USC 6802 ( b ) ( c ) states, " 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 credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " 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 being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 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. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER XXXX USD XXXX THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT 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 ) ( a ) 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 DELETE THE ACCOUNT BELOW : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Debt collection

Choice recovery is not licenced in the state of fl. And it 's reporting on all three credit bureaus. I need for it to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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