23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not spoken to this company in over 6 months. They took {$100.00} from my credit card account today on XX/XX/XXXX I did not authorize this or speak with them about it. 
This is not the first time they have taken money without authorization. I had a lot of problems with them last year. I was paying them {$100.00} on the first of every month for 7 months ( XXXX ) After that was up they called me to renew my payment plan. I agreed to {$100.00} a month in the first of every month. They proceeded to take {$100.00} not on the XXXX. They took the payment out on the XXXX, 2 weeks early. They even took 2 payments out one month. I called them about this and they told me they were taking nexts months debt that day as well. Which was not authorized. Then she tried to tell me I havent paid in 4 months. I had reoccurring automatic payments every month. They had taken {$500.00} out of my account in those 4 months and told me I didnt pay them anything. I proceeded to continue to do business with them, until they get again started to take payments without my authorization on dates that were not discussed previously. This resulted in their not being enough money in the account they that were trying to take from because they were trying to take payment 2 weeks early. I stopped doing business with them because of this. I havent spoken to them since XXXX of XXXX. It is now XXXX of XXXX and they took {$100.00} today unauthorized. On XX/XX/XXXX. I told them multiple times last year that I just wanted to pay my debt {$100.00} every month continuously. One of the guys even threatened to charged my account for the whole debt if the payment ever bounced. As in, if I didnt have enough money in my account he said they would then take the entire amount that I owe from me. I made sure money was there to be taken out {$100.00} on the first. I told them if they would stop messing with my account that they would get the payment properly. I only had enough to give them the {$100.00} on the first in that account. There are more dates than I just listed.
Product: Credit reporting or other personal consumer reports

Remove inaccurate negative information from my credit file within 24-360 hrs.
Product: Vehicle loan or lease

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an account opened XXXX XXXX Account Number : XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX dateopened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issues with incorrect information on credit reports, but one or two incorrect information is one thing, but when there is a list of incorrect information on credit reports that can only be attributed to either really incompetent data entering from credit bureaus or the credit organization reporting to the credit bureaus, which in this case I believe is both, there is something to be said. 

I tried to look at my credit reports and there is so many incorrect information on them, and when I tried to request my credit report online, then the credit bureaus would not let me access my reports and even show my information incorrectly, and when I tried to correct some of the information, they would not let me correct it, and when I enter my information correctly into their system, they display incorrect information right after I enter it correctly. I hate to say there is something going on that is very wrong here but it seems to me it is bad enough when the credit card companies are taking advantage of customer, but when the credit bureau who should be protecting the consumers no longer do their job or even goes as far as adding on the mistakes of incorrect records, consumers have little to do and maybe if that is the case, the credit agencies who are incorrect and not doing their job in the first place should not have a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  1.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2XXXX XXXX XXXX Account Number : XXXX 3.XXXX  XXXX XXXX Account Number : XXXX 4.XXXX Date of inquiry : XX/XX/XXXX 5.XXXX  XXXX  Date of inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 7.XXXX Date of inquiry : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF EDXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.
Product: Debt collection

My identity was stolen by a relative and I sent letters to collector, which they have not responded nor removed the negativity off my report which have damaged my character and kept me from getting loans in a time of need
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.
Product: Bank account or service

I was pleased to find out from the XXXX 's XXXX and Social Security that the direct deposit posted into my mom 's checking account on XX/XX/XXXX was indeed what she had earned and was entitled to for the month of XX/XX/XXXX. My mom passed away on XX/XX/XXXX and this money would certainly help pay for her funeral and burial expenses that I had to put on my credit card, being my mom had no life insurance and and lived in a personal care home for the last 2 years of her life which was extremely costly. PNC Bank XXXX XXXX, PA took it upon themselves to put a hold on these deposits without me knowing which led to the bank account to be overdrawn. I had to transfer my own money into the account to make sure the did not charge any fees on top of messing with this money that was due my mom. They are sending the money back to the VA and SS and actually lied to me and told me the VA contacted them and wanted it back. I talked to about XXXX different people at PNC and got different answers from everyone of them. No one seemed to know why this was happening. I contacted the VA and SS several times and each time they told me they do not want the money back. If it comes back, I have to complete forms and they have to reissue the checks to me which can take a long time. The last rep that I talked to at PNC said they are Federally Regulated to do this when a person dies. I contacted the FDIC and the rep there could not find anything that would suggest this. Another lie! My name is also on this account. I have taken care of my mom 's affairs for 15 years, she lived with me and my family for 2 years before having to go to a skilled XXXX home. It is an absolute shame that PNC Bank is putting us through this at such a delicate time. They have no right to control my mom 's money like this and make this harder for us to have closure. We are on a very close time frame to make this matter stop, the money is on a hold and if the checks have been sent they need to stop payment. If this sadly does not happen for us, I sincerely hope this does n't happen to another family.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the accounts being verified and currently remain on my credit report.

I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice.

Your agency has clearly refused to obey the law and honor my previous request so I am requesting now a reinvestigation and demanding that your agency to explain your Method of Verification, in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 U.S Code 1681i ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the late payment records reported on my auto loan account [ Account Number : XXXX ] as shown in my payment summary. Upon review, I believe that these late payment notations may be inaccurate and could be a result of finance charge miscalculations under the Truth in Lending Act ( TILA ) 15 U.S.C. 1605 ( a ).
Product: Student loan

Navient is claiming to offer forgiveness and repayment of loans taken out against schools found guilty under borrowers defense. My schools was found guilty but my application was denied
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

I got theirs response as always out of the facts they send me the same all the time XXXX I got i loan modification I paid a lawyer I paid at the time {$12000.00} in the new money they called and I was supposed to start new but shellpoint morgage servicing his partner in crimes XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX the again changed for lawyer fees court fees and any kind of fees then in XXXX again when shellpoint took over they came telling me they will foreclosure my house couse I owed them over XXXX in in their response they said they don't know what happens before but they know I owed over XXXX they even claimed my wife was on the contract in the mortgage and she did bankruptcy on even before I got my loan modification well that's what they say I don't know why o the purpose of it. XXXX  XXXX XXXX is well-known for his corrupted way to make money like countrywide and shellpoint but they keep charging for money fees they make it up that's why in their response shellpoint morgage servicing send paperwork from before XXXX and they can't tell where is the money i owed this corruption at it's best
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX  XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Debt collection

I emailed Genesis on XX/XX/year> formally disputing the charges of damages during my daughter 's stay at the apartment building. I asked them to reply to me to give me an update on the resolution. They never replied. I called, and they verified they did have my email but they did not reply. We requested them to show us pictures of the damaged area before my daughter moved in and then again after she moved out. Genesis said they emailed me pictures on XX/XX/year>, but I did not receive them. I continue to get calls about collections. I called and spoke to a XXXX XXXX XXXX, he told me they emailed the pictures and refused to send them again. He told me he did not have to prove to me that we owed it and he didn't care if I paid it or not, it would hurt my credit. I have called numerous times to ask them to take this off my credit and to stop calling me but I get calls weekly and now this is hitting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Sir I am a binance user with username " XXXX ''. i got a message from binance.com on XX/XX/2021 that my account has been suspended for reason ( s ) unknown to me till date. All my effort to find out their reason for such action and get access to my hard earned funds proved abortive. binance has been really unfair to me and decided to hold my source of livelihood for about 8months without considering the consequences on me and the family that depends on me to survive. I have never committed any offense please come to my rescues this is really killing me. 

My account is verified and i have {$15000.00} usdt in my account. right now they don't allow me to have access to my account let alone of having access to my funds there. I am a legit trader and I have never committed any offences.
Product: Credit reporting or other personal consumer reports

I filed a identity theft report in XX/XX/2023. Listed on my credit report is MCA Management and XXXX XXXX XXXX. I have no contracts with either of these creditors.
Product: Consumer Loan

The super high percentage rate was not revealed until the end of the application process. The LoanMe Inc. is charging an interest rate of 135.00 % and an APR of 138.07 % with a term of 47 months. I really needed the money because I had XXXX. I 'm retired military and XXXX veteran and had no avenue to XXXX Insurance. I applied to several Finance companies but was rejected due to a less than perfect credit rating.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Reported accounts : 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : OFFICE OF THE ATTY GENER # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by your company to the credit reporting agencies, specifically regarding the above-referenced account. The details furnished to TransUnion, XXXX, and XXXX are incorrect and do not align with the legal definitions of a charge-off or collection. 

The following errors have been identified : Account Number : XXXX Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a furnisher of information to ensure the accuracy of the data you report. As per my understanding, a debt can not be classified as both a charge-off and a collection simultaneously. Once a debt is charged off, it should be treated as canceled, and a Form 1099-C should be issued.
Product: Money transfer, virtual currency, or money service

My PayPal account was hacked. Through a series of complaints with CFPB it was stated that all funds were returned. This is incorrect. BecauE of an error on PayPals part there was approximately {$10000.00} of {$14000.00} of funds returned still leaving a balance. Additionally the funds that were returned were revered by both PayPal and the bank causing me to never receive funds as stated. Because of deceptive business practices I was forced into arbitration with a preselected arbitration firm and an arbitrator who is a customer of PayPal. Due to the violations of due process my claims were denied.the credits PayPal issued were inaccessible since account was limited. PayPal is claiming funds were withdrawn which is false since bank account was closed as a result.