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

A user in XXXX offered to me an exchange of PayPal funds to ( USD XXXX XXXX to pesos. But after sending PayPal funds to this user, this person blocked me. I tried to reverse immediately the transaction with PayPal but they say this not covered in their terms. I believe this scam is a fraud and this should be investigated. 

Case Id. : XXXX ID XXXX My username is XXXX in PayPal. The fraud was performed by XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I've been sending out disputes to all 3 bureaus XXXX, XXXX, and experian since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as XXXX  reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

HI, Attached is a file I sent to the better business bureau. All information is included in download. IF YOU NEED MORE SEND ME AN EMAIL. 
Also Filed with Attorney General office, they advise to notify you as well. 
My Name : XXXX XXXX. 
XXXX XXXX Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Enclosed within this notice is a list of unauthorized inquiries and attached is an Affidavit of Truth. The following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
To ensure fair and accurate credit reporting, the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. Section 1681, imposes various requirements on a consumer reporting agency ( CRAs ), such as Experian Information Solutions ( Experian ). Congress designed the FRCA so that consumers could request information in their file and then correct inaccurate or misleading data.
Product: Credit card

On XX/XX/scrub>/2025 four ( 4 ) retail credit lines ( PayPal, XXXX, Care Credit and XXXX XXXX XXXX ) that I had open for many years with Synchrony Bank were arbitrarily closed. 

The accounts had a cumulative available credit limit of {$75000.00} ( XXXX - {$35000.00}, Care Credit - {$20000.00}, PayPal - {$10000.00} and XXXX XXXX XXXX - {$10000.00} ). 

The current balances on ALL cards was {$0.00}. 

In fact, my XXXX  account and Care Credit account had BOTH received credit limit INCREASES earlier in the month of XXXX - my XXXX XXXXccount increased from {$16000.00} to {$35000.00}, and my Care Credit account from {$15000.00} to {$20000.00}. 

I have NEVER had a late payment on any of these accounts, nor any other account. I have many credit lines and maintain impeccable credit with a nearly 800 FICO across all 3 major bureaus. 

The fact that I received credit limit increases, and then arbitrarily had all of my credit lines closed in the same month is absolutely absurd. The bank cited a routine review that decided I was a credit risk. It would seem that their extension of additional credit deemed me a risk, which is entirely contradictory to the approval of the increase. The bank should simply have put a credit limit cap on the amount they were willing to extend to me, versus extending the credit and then reviewing my account to determine I was a risk. In my opinion, this is entirely fiscally irresponsible behavior. Due to the substantial decrease in my available credit, it is entirely possible that their decision may negatively impact the consumer credit that I have worked tireless to build, across all of my creditors. From past experience in the credit industry, I know that an event like this can trigger panic and action from other creditors, which is also unwarranted, and can have a cascading and damaging effect. 

The policies of this institution should be reviewed, as I also noticed that many other consumers have had something similar happen. In an environment where access to credit is so important to our economy, this type of reckless abuse can cause irreparable harm to consumers. 

As issuers, they should have a more clear limit of how much credit they are willing to extend to a customer so that they, themselves, do not trigger a customer going over a certain threshold within their own, internal credit network. The fact they offer multiple consumer cards means that their decision has impacted my purchase ability across multiple outlets that I frequently utilize. 

I would like to request a review of this banks financial responsibility to consumers in the issuance of its credit, and reviews, as well as subsequent decisions to close accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On JXX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX  has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX  is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX  Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( XXXX mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX days late XXXX
Product: Credit reporting or other personal consumer reports

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XXXX XXXX XXXX XX/XX/22. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Student loan

I had my student loans discharged through the XXXX program this week and received a letter that it was effective XX/XX/XXXX. However, I believe my XXXX payment was XX/XX/XXXX so the effective date should've been XX/XX/XXXX. 

Relatedly, I was put in Administrative Forbearance for the months of XXXX, XXXX, and XX/XX/XXXX. Prior to being put in forbearance, I had made lump sum payments during this period. I was told I could shift the payments to months after the administrative forbearance. One payment showed as being posted on XX/XX/XXXX and the second payment showed as being posted XX/XX/XXXX.
Product: Student loan

I submitted and had a student loan consolidation approved by Earnest LLC ( earnest.com ) on XX/XX/2017. They had stated payoff of loans being consolidated would be completed within 7-10 business days. 

They then stated they were experiencing delays, and stated 30 days. Then emailed again and said 60 days. Now XXXX 60 days has past and I have had no pay-off. Interest rates have now risen, so using Earnest is proving to be a costly mistake. 

Any help would be greatly appreciated to get the payoff completed.
Product: Checking or savings account

XX/XX/XXXX I entered the XXXX XXXX branch, and closed my account. I was given the cash that I had remaining ( ~ {$8.00} ), and grilled by the manager about why I was closing. I was honest and told them I was banking somewhere else. The gentleman teller called some other place, charged me my prorated service fee and closed the account.

Almost a month later I see online that I'd been charged for this month 's service fee. Upon calling the customer service- they told me the teller I had on 8/22 " didn't close the account ''. They said he apparently " Called back office for direction, but didn't close it. '' They then told me that I had to return to the branch office and speak with a manager in order to have the account closed. They insisted there was no way to close the account without me trying again in person. Despite me having already done that.
Product: Checking or savings account

On XX/XX/XXXX, I woke up with quite a few emails that accounts were being opened in my name. I immediately reached out to the credit bureaus to report the incident and had my Credit shut down. I reached out to all the banks that forward me emails to let them know I wasnt the one opening the accounts. All the banks did their research close all account accounts except for Capital One I am still receiving emails from them and a statement requesting that I put money in my account, I reached out to Capital One Bank several times.
Product: Checking or savings account

On XX/XX/year> someone ( with access to my social security number ) was able to call into Everbank and convince a banking agent to change the phone number on my accounts and the agent was in the process of changing a user ID and password on my account as requested by the fraudster. Were it not for me receiving an auto email that the phone number on my account was changed and had I not called in to enquirer, the fraudster would have taken over my accounts by a simple phone call to Everbank.
Product: Checking or savings account

My direct deposit from my employer did not post on XXXX to my Capital one checking account as expected. I reached out to customer service and after waiting on hold for three hours I was told that there was a 3rd party issue and they were working on fixing it. I was not given an exact eta but was told the issue should be fixed by Friday morning XX/XX/year>. As of XXXX the issue is not fixed and I do not have access to my funds. 
I live paycheck to paycheck as most Americans do and I plan and schedule my bills, food, gas etc to coincide with my paycheck. This error on the part of the bank has caused unnecessary stress, created additional financial hardships to include late fees from creditors, and no money for food, or gas.
Product: Credit reporting or other personal consumer reports

Good morning, all I would like to say first of all that I did several disputes on certain companies and then they would sell it to a third-party company and every time its time for me to have it taken off of my credit report they sell it to another company and I never received the information from the companies When I asked for them to provide that it was belong to me, and I believe that my disputes are not being properly investigated
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with LOANCARE. 

LOANCARE XXXX -I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANCARE customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX  - XXXX - {$XXXX} XXXX  XXXX - XXXX - {$XXXX} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXX XXXX  XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the date of the last activity has been inconsistently updated. On Experian, the last active date is XX/XX/year> and on XXXX it's XX/XX/year>. If the information comes from the original creditor the date should be the same. We can not say these accounts are 100 % accurate as it is INACCURATE. Please delete this accounts from my credit reports. 

Acct name : XXXX XXXX Acct # : XXXX
Product: Mortgage

ChaseMortgagehasautomaticallydeducted2mortgagepaymentsfrommyXXXXXXXXcheckingaccountwithoutmypermission.Iamnotsetupuponautomaticpayments.IdidnotauthorizethemtodeductandIamcurrentonmyloan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.
Product: Mortgage

I paid off my house on XXXX XXXX and received a payoff quote form Ditech and I have been having issues receiving a payoff letter form Ditech. I can not get in touch with anyone but costumer service and keep getting delays form them. 
I will attached documents of proof of payoff.
Product: Money transfer, virtual currency, or money service

Hi I open the account with coinbase wallet then i opened Trust Wallet and transfer funds from coinbase to Trust wallet around {$98000.00}. Then through trust wallet i browse XXXX XXXX XXXX XXXX XXXX XXXXXXXX And invest here then after 3 days someone hacked my all funds. I complaint with local enforcement and noone response yet. Please help to recover from Trust wallet. Because this money is like my life i am broken. 
My name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to request assistance with a late payment reported by my Macys Store American Express credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the Macys Store American Express credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted Macys credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.