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

On XXXX I was sent payment for " Goods and Services '' in the amount of {$1000.00} USD to my PayPal account in error. I was charged {$29.00} as a fee from PayPal for this transaction. I was not selling nor did I request payment for any good or service from this buyer. PayPal will not allow any dispute to be raised on their platform and directs you to their terms and conditions page regarding accepting payments for goods and services. 

This is not the first time I have been mistakenly sent money for goods and services and have paid fees for goods that were never for sale. 

XXXX Transaction in error fee paid : {$4.00} XXXX Transaction in error fee paid : {$6.00} XXXX Transaction in error fee paid : {$5.00} XXXX Transaction in error fee paid : {$6.00} XXXX Transaction in error fee paid : {$23.00} The only recourse is to not accept payments via PayPal which is crippling to a small business owner.
Product: Checking or savings account

I opened my business account with US Bank. 
They had a promotion to give {$400.00} bonus with a {$5000.00} deposit. I was told several times the bonus would be deposited ate 30 days. It was never deposited and it's been over 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX School Loans on report twice and it is past the 10 Year mark asked to remove all. 
School loans showing forbearance and repaid and never paid any on loans. 
I have very low income
Product: Mortgage

I am currently greater than 7 months past due on my XXXX mortgage with Nationstar. After repeated attempts to negotiate with my lender, I have exhausted my options. Unless my own finances miraculously improve in the immediate future, I expect to lose the house. 
The company representing my mortgage ( XXXX XXXX ) has repeatedly circumvented security measures in place at a gated suburban development in order to illegally trespass on an occupied residence under false pretenses. 
XXXX has, on at least three ( 3 ) occasions, conducted fraudulent inspections of my property in the process of illegally trespassing, despite the property being in good repair, interior furnishings and personal items being present in the property and clearly visible, and utility services being active. No reasonable attempt was made to ascertain the livability or current occupancy before the notice of abandonment was posted. Each time the notice of abandonment was posted I notified XXXX that the property was not, in fact, abandoned and/or vacant. 
I have repeatedly attempted to contact XXXX to request written confirmation that they understand that the property is still occupied and being maintained to livable standards, which they have refused. I suspect they will attempt to conduct another fraudulent inspection next month, and have threatened the inspectors with arrest and company with legal action should they do so.
Product: Debt collection

Upon discovery that Pinnacle Credit Services had placed a negative item in my credit files with XXXX, XXXX and XXXX ( Open Date of XXXX for an address at which I did not reside on at said Open Date and Balance Owed {$760.00} ) I made written request for debt validation via USPS Certified Mail Return Receipt. This was delivered to Pinnacle at XXXX XXXX XXXX, 2016. Pinnacle did not respond with debt validation yet continued to report this unvalidated debt to XXXX, XXXX and XXXX on XXXX. 

The Federal Trade Commission ( FTC ) clearly states in an opinion letter that a debt collection agency can not report an unvalidated debt to the credit bureaus and that such reporting constituted a continued attempt to collect a debt. ( FDCPA Staff Opinion : XXXX ). Pinnacle is thus non-compliant with Section 809 of the FDCPA. 

Since I discovered the alleged debt was claimed open at an address where I did not reside, I also have sent an Identify Theft Police Report, Proof of Address on Open Date and signed affidavit to original creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( and XXXX company debt was transferred to ) has not verified this debt despite my many requests for them to do so. I acknowledge opening this account. However I was a victim of credit card theft and identity theft when I was living overseas in XXXX. The FTC Identity Theft report was forwarded to these companies as well as XXXX, XXXX  and equifax back in XX/XX/XXXX. I also requested statements to show proof of debt ( verification of debt ) in XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX -- all non-responsive. Non responsiveness to the XX/XX/XXXX ( more than 45 days ) is a violation of the US Fair Credit Act, and should have resulted in this adverse reporting being deleted from all credit bureau reports. To date, I have not received a response AND it has not been deleted. I have filed dispute with all credit bureaus and the item remain. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

the credit bureau is not updating my address, and information on my report is off
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I as the consumer have had my rights violated with incorrect late payments that have damaged my reputation and well being. The accounts are not accurate across all three being as XXXX bureau ( XXXX ) reports zero late payments while ( XXXX and TransUnion ) report XXXX which are false. I never gave consent to report such a thing in the first place and this incorrect information is very damaging. I WANT THESE DAMAGING LATE PAYMENTS UPDATED TO POSITIVE TO BE ACCURATE AND I NEVER GAVE ANY CONSENT TO INCLUE THIS INFORMATION ON MY REPORT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence 1 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was contacted by XXXX XXXX XXXX about a debt that was previously deleted from my credit report, I stated to them that I gave the Department of Veterans Affairs, my permission, to speak with them. They gave the VA representative a hard time. The VA then sent me letters that coincide with the dates of service and the letters also state that I, the Veteran, is not responsible for the medical bills. The collection agency is also charging 2 identical amounts for services on the same days, in the amount of {$1400.00} and an amount of XXXX. I emailed the collection agency a copy of all letters that the VA directed me to give to the collection agency and they did receive them. I do not owe those amounts. The collection agency then put a negative statement on my report that, I still owe this amount, even though, they have no information on me. Please help get this deleted feom all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX  XXXX, # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX. # XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report : My personal information has been compromised : XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with XX/XX/XXXXtwice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.
Product: Vehicle loan or lease

I reached out to the company about removing this, no action taken.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I received an email from Affirm ( www.affirm.com ) stating that an account was created using my email address, for a person named " XXXX ''. I do not know who XXXX is. I did not verify such account creation with my email address, and did not ever and do not now consent to doing business with Affirm. Affirm did not take appropriate steps to verify that my email address was associated with the correct person. Since Affirm does not know their customer, I am concerned that this increases the probability of fraud. 

Despite multiple tries navigating Affirm 's website and calling their toll-free number, I am unable to find a way to communicate this to Affirm so that my email address can be removed from their system. Every avenue I could find leads, at best, to a form that does not address this problem. Affirm does not provide a way that could be reasonably used to rectify this problem.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have multiple late payments on an account that I was falsely accused late for. The consumer reporting agencies have assured a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account and have proof of such. Included is a screenshot of the late payments thats listed on my report. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please view screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : southern management systems Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.
Product: Debt collection

I received my credit report on XX/XX/2021 and noticed that there is a charge-off on my credit report from Acima Credit XXXX XXXX I've never had any business with this company. 

There isn't a address or a phone number to contact them I need this removed from my credit file.
Product: Debt collection

On XX/XX/2022 i file a dispute with CONVERGENT OUTSOURCING for {$900.00}. I explained to them that it was not me and i didnt open this account. member denied my dispute after i provide to them i didn't open the account. i never had XXXX until 2022 and i still have that account. this is a old account and it was open by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear TRANSUNION I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

This is an example of an attempt to collect a medical debt that is not owed coupled with a surprise billing. At the time of the XXXX XXXX, the copy of {$50.00} was collected ( noted on the statements the company finally provided ). Subsequently they added an additional copay of {$35.00} which they are not allowed to collect. They placed this amount with a collection agency that likewise is not allowed to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ID THEFT VICTIM HAS WRONG INFORMATION ABOUT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not Equifax or XXXX. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security XXXX. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when I was very young, a little girl. My mother is of XXXX ancestry and my father was in the United States Airforce at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a jewelry store.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department XXXX XXXX XXXX asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.
Product: Credit card

I received a call from a private number at XXXX and it ended up being Comenity Bank calling because I was a couple days late on my credit card payment for Torrid clothing store. 

I asked the rep why they were calling me from a private number, he stated it was a known issue they're trying to resolve. This is so beyond unprofessional and deceptive, there is zero reason to continue calling from a private number of it's a known issue. My {$35.00} Torrid bill does not justify them blocking their numbers and masking their identity to fool people into thinking someone of law enforcement is calling. 

This entire situation was the epitome of triggering. But I guess it worked cause I paid the bill, right? I have never been more excited to never work with a company ever again because of this. I can't risk them doing that again and me fearing it's a life changing call only to find out it's XXXX from billing wanting payment for my chubby girl clothing bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to the credit Agency and they have not responded with a reasoning of verification