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

Experian lowered my score XXXX points from XXXX to XXXX stating a dormant account as new activity reported by XXXX XXXX XXXX account, the annual fee was cause of it and the balance is now {$0.00} not any debt, Experian is incorrect about balance or activity
Product: Money transfer, virtual currency, or money service

BLOCK, Inc. CashApp : Filed a 1099k in my name with my address and SS # for $ XXXX income in 2022. As I understand it, they are reporting revenue collected by businesses using electronic transfer of funds. 

I have no such account, have never worked with the companies listed nor have any business that processes or uses electronic payments. 

If I can't get this 1099k corrected, the IRS will look for me to pay taxes on income I did not receive.

The fraud calim involves unauthorized use of my personal information that was obtained fradulently and misreporting income that would allow the sender to avoid paying taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an authorized user account from XXXX XXXX that appears on my credit report. I am not legally responsible for this account, nor did I sign any cardmember agreement associated with it. 

As I am not the primary account holder and have no legal obligation to this account, I am requesting its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB, We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled Image_1 and Image_2 ). 

We proceeded to print the return label and ship back the item ( Please see attachments titled Image_3, Image_4, and XXXX ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled Screenshot_XX/XX/2019 USPS com - USPS Tracking Results ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it!
Product: Credit card or prepaid card

USBank credit card over charged me on XX/XX/2022 above {$6000.00} for a Minimum Payment. This is Outrageous. I contact them and they wrote me that they could not lower. 
How in Earth a minimum payment its over {$6000.00}? 
I can not afford. I paid over {$3000.00} and asked them to make it reasonable. They raised the amount Without Any Notice Any Communication. 
Is this Right? They can do that? Raise an unbearable price? With No notifications so ever? 
How they could work to make reasonable for us to pay. Would that be possible? Please I am looking for a reasonable minimum payment that would not be this Outrageous {$6000.00} what is this? And no communication with customer to advise that they would cut your throat on XXXX? 
I am trying to pay my bill but they made impossible. 
Could they made possible. 
Also they charged me a fee on top of the {$6000.00} Thanks
Product: Credit reporting

Not reported to Transunion because prompts do not give you option to leave complaint. Called Transunion at XXXX, gave all information as requested by prompts,. After properly entering information requested such as SS #, DOB, numeric street address, zip code, IVR declines providing report because " they can not find a report based on information given ". Tried 3 times, made SURE correct info given as requested, only to end with same IVR decline and advised to submit " written request ". Credt was declined on XX/XX/2016 based on information that doe not belong to me, I was a victim of ID theft twice in the last 3 months. I have never had any business relations with sources they claim were included as part of their evaluation.
Product: Credit card

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records.

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records. 

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Product: Debt collection

I am writing again about Ace Cash Express debt collection tactics. I was contacted today, XX/XX/XXXX by a woman calling from XXXX saying that she was calling about a court case and that I needed to call XXXX case # XXXX or officers would be at either my home or job by the end of today. I didn't call the number because it seemed to be a scam. I then got a call from my mother and she said she got a call from someone saying that I was being sued and will be arrested if I didn't call the same phone number. My mother was very scared and upset. I called the number back only to find out that it was someone calling about a XXXX loan that I got from them in XXXX. She said the with interest and fees the amount owed was XXXX. She then said that because they are having to sue and file fraud charges against me that I will now owe over XXXX I told her that they couldn't do that, and that I would not be paying it. She then kept repeating the threats of court and arrest until she ended up hanging up on me as I told her that what she was doing was illegal. I have now gotten a call from my ex-husband who lives in Tennessee saying that he received a voicemail message on his cell phone saying that there was a court case against me and for him to tell me to call them. We have been divorced since XXXX!
Product: Debt collection

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is inconclusive and possibly fraudulent. Please remove this. Seeking possible litigation if not resolved. This is erroneous information which is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN POSTED ON XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late For any purpose.
Product: Credit reporting or other personal consumer reports

For the past month Equifax XXXX XXXX is sending false information to my short term disability company that my employer uses. The company they are sending this information to is called XXXX XXXX XXXX XXXX. This Equifax company has now twice reported that I work for two different companies. The first company is called XXXX XXXX which I disputed with Equifax and now they have two companies that they are reporting that I work for called the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I do not work for any of these companies. The only company I work for is XXXX XXXXXXXX XXXX XXXX In XXXX New Jersey. This issue is ruining my life as well as my families lives because the XXXX has stopped my short term XXXX payments because it shows on these reports that Im actively working which Im not.
Product: Mortgage

Let me start off by saying that I had a PERFECT PAYMENT record on my mortgage for over ten years with XXXX and XXXX. Before the nightmare of disservice from LoanCare hit my financial life I had no issues. For whatever reason, LoanCare took over the mortgage servicing from XXXX. For years I was on an automatic payment with everyone else. My mortgage payment is XXXX dollars. Yes that is not a misprint. And when I tried to set up automatic payments with LoanCare, for what ever reason, the system will not accept an automatic payment. They will, however, try to bill me XXXX dollar late fees when I call in to make a manual payment. Three separate times I have tried to set up automatic payments. And three separate times it has rejected my bank info. I have had to deal with their call center people in clearing up the late payment fee. And, THREE SEPARATE TIMES, I have asked the agents to look into the issues that THEY have created on my credit report. And, amazingly it never gets cleared up. I am asking your assistance on this matter. I honestly tried to work with these people and they have no follow up skills nor a care in the world about my credit rating. Furthermore, I have been receiving payoff statements since they took over the loan. I suspect that they do not want to service such a small loan. Which is why they have given me the cold shoulder on resolutions. Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Date of inquiry XX/XX/2023
Product: Money transfer, virtual currency, or money service

I was looking for an apartment to rent in XXXX, VA and came across a listing on XXXX marketplace. So I contacted them via XXXX and then they sent me additional information via email. So I found it a reasonable deal and they looked like good people but I hadn't seen the house or met the person face to face. They sent me lease documents and payment receipts for the {$750.00} security deposit plus {$750.00} one month 's rent. Then later they sent me a text message saying they can not Access their XXXX account and that I need to contact my bank since they can not contact their bank from their end. I tried but the bank denied the claim and I couldn't get the money back. But meanwhile, the renters said in order to keep the space and because I signed the lease I still need to pay atleast {$750.00} deposit. I was hesitant but still paid it thinking they legitimately couldn't Access their previous account, and my mistake that I didn't consult anyone else on this matter. Then after this they sent me a receipt of the payment. But after this they started pressurizing me to pay for 6 months rent upfront saying that the owner is facing foreclosure and that they would be grateful for any help they can get. But for the earlier initial {$1500.00} dollar we hadn't gotten the money back. So I was hesitant and denied to pay and accept this 6 month offer. But they still kept on pushing and then I finally said no. Then they didn't contact me for a couple of days. But then, I didn't hear from them regarding any updates so I contacted them and told them that I wanted to cancel the lease because I wasn't feeling comfortable dealing with them and I was having doubts it was a legitimate posting. I told them to cancel the lease but they said they need extra {$300.00} payment for Attorney and cancellation fees. So I informed them to just deduct it from the second {$750.00} deposit that I had paid. But they were not ready to do that, they kept on insisting I pay them extra. And telling me that they would return the money as soon as they recieve the additional {$300.00} and the contract would be void. But my suspicions were growing so I told them I can not pay the extra XXXX and I didn't have that kind of money anymore. So I told them no. And after that I haven't been able to contact them anywhere. And {$2200.00} of my total money had been taken by them. I filed a fraud claim with my bank and the bank refused and denied the claim saying because the transaction was completed through XXXX, they can not do anything. I have no other option but to file a report here because I am a student and that was all my savings that I put on the apartment and now there's no way of retrieving it. I xannot contact the apartment renters and the bank has given up and can not help me, so I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX 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 a account without my written instructions I also have some inquiries on my report that I didn't authorized and unaware of. 

XXXX : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal dateXX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Portfolio recovery reports an open account with a XXXX balance on all three credit agencies. under me being joint borrower, I never joint borrowed with my ex spouse nor do I know what this debt is. 

They report it twice leaving off digits of the account # 's but yet both trade lines end in the same account number example one trade line says XXXX the other tradeline says XXXX both showing different start dates yet shows original amount owed as the same I have disputed this thrue other means and directly with them but they refuse to remove this as it is not mine nor report it as closed since the balance now says XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims XXXXXXXX XXXX XXXX  has been verified as mine account, but yet XXXX XXXX XXXX  doesnt find any information in their system regarding any accounts. This XXXX XXXX XXXX account is negative affecting my equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Payday loan, title loan, personal loan, or advance loan

Goodleap is run by crooks. I assumed a solar panel loan as outlined in a sale of a home. I filled out the forms to assume the loan yet they dragged their feet during the processing of it and in the meantime sent the loan to collections. Both myself and the previous owner had our credit scores dinged for their gross incompetence. Im looking to refi my loan on a different home and have a lower credit score because of these imbeciles.

Either they remove the ding from credit score or I plan to pursue legal action against goodleap. It would be my recommendation to the CFPB to investigate them for other malfeasances, as the company is clearly poorly run.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$200.00} XXXX {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$2000.00}