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

In accordance with the Fair Credit Reporting XXXX account number # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602A- States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2- States a Consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on Equifax, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I once again reviewed all three of my credit reports from Experian, XXXX and XXXX to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX amd XXXX XXXX XXXX. Contact XXXX   XXXX  and Trans Union and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX  XXXX Docket # : XXXX Source : XP/XXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX 0 BANKRUPTCY XXXX/XXXX  WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have
to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Discriminatory And XXXX Practices by PayPal Dear Consumer Financial Protection Bureau, I am submitting this complaint to report what I believe are discriminatory and unjust practices by PayPal, which have resulted in the abrupt and unexplained termination of my account. 

Approximately 3 weeks ago, I legally opened a business account with PayPal, fully complying with their registration requirements. I ensured that all paperwork and information submitted were accurate and valid, adhering to their policies and guidelines to the best of my ability. Before utilizing the platform, I thoroughly reviewed PayPals terms of service and confirmed that my business practices aligned with their stated rules and standards. 

Despite my compliance, PayPal abruptly and permanently banned my account without providing any prior warning, explanation, or evidence of wrongdoing. None of my account activities violated their policies, or at least nothing they have communicated or can prove. I attempted to reach out to PayPal to seek clarification, but my efforts to resolve the matter were met with dismissiveness and lack of transparency. 

Moreover, during a phone call with PayPals customer service, I experienced an incident of XXXX profiling and discrimination. The representative 's tone, conduct, and remarks were not only unprofessional but also made me feel targeted based on my race. This experience was deeply troubling and has left me feeling marginalized and unjustly treated. 

PayPals actions appear to be inconsistent with their advertised principles of fairness, inclusivity, and transparency. Their lack of accountability and failure to provide any clear explanation for banning my account raise serious concerns about their internal practices and policies. Furthermore, their racially biased treatment during my attempt to resolve this issue has caused me significant distress. 

As a consumer, I trusted PayPal to provide equitable financial services and fair treatment, regardless of background. Their actions, however, have contradicted these expectations, leaving me feeling discriminated against and unsupported. 

I respectfully request the CFPBs assistance in investigating this matter. I believe it is essential to hold PayPal accountable for their actions and ensure that such discriminatory practices are addressed and prevented in the future. 

Thank you for your time and consideration in reviewing my complaint. I look forward to any updates or guidance on how this matter can be resolved.
Product: Debt collection

This Was Sent Into Debt With Out Me Being Informed Of The Debt, The Date Of Debt Says From XX/XX/XXXX But Was n't Submitted Until XX/XX/XXXX As Shows On My Credit Report, They Will Not Show Me Proof Of This Debt I Have Ask Several Times For Them To Send Me The Proof, Ive Called And Ask To Have The Lawyer Call Me & Will Not Respond, I Went To Office They Showed Me A Paper With Blank Pictures Showing No Proof But A Bill Amount, They Have Been Doing This To Me For Years Charging Me For False Fines Or Cleans With No Proof Of Action, Ive Talked With Head Supervisor Of XXXX Many Time To Have Thrown Out But It Seems Some Still Get Sent Over To Collection, They Have Tried To Charge Me For Boarding Up My House I Boarded Up Myself & Had Pictures With Dates Show They Didnt Do This Work, This City Is Very Shady And Crooked Charge People For Stuff Never Done & Falsely Making Up Bills
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : XXXX XXXX XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent Reporting Across Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by XXXX XXXX XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with XXXX XXXX XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with XXXX XXXX XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, XXXX XXXX XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that XXXX XXXX XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I am submitting this request to dispute and correct inaccurate personal information on my Experian credit report. Please delete the incorrect names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, as they do not accurately reflect my identity. Additionally, I request the removal of all incorrect addresses, including XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My correct and only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. Please update my report accordingly and ensure that only accurate personal information is maintained.
Product: Debt collection

Filed a complaint with you, # XXXX Now u.s. bank is starting foreclosure proceedings on a balance of {$0.00} from the bankruptcy court. 
The bank has refused the documents from the court. I would like to know why I am going through this excessive stress?
Product: Credit reporting or other personal consumer reports

My report lists incorrect late payments that dont align with my payment history. Please fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that three collection was removed from my report and XXXX and Equifax need to update my file. I am writing each of them with the same attachment I am sending you now.
Product: Checking or savings account

i have unnecessary charges ( fees on my account ) that make no sense also your phone lines are compromised i just heard an entire customers entire conversation with you remove my fees!
Product: Mortgage

It I s with great devastation and confusion that I am writing to you regarding the inconsistencies of Wells Fargo. 

I had requested various times a work out plan that will benefit us all. Wells Fargo has made previous decisions and calculations that were incorrect.. Never any explanations or concern of my circumstances. I requested on XXXX XXXX that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job over 8 months. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. 

In 2013 I suffered a XXXX injury resulting in XXXX XXXX XXXX. as a result of the injury. 
I could not work and was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed XXXX people I have XXXX children. Please understand that this is our only shelter. 

I have presently taken distinctive steps to better our finances .I am certain my financial situation will continue to improve .I have provided several packages to Wells Fargo to no success. They are now refusing to review my file. I need for you to please reach out to them for they are not helpful.
Product: Credit card or prepaid card

I have been a card holder of Capital One for several years now. Over a year ago I reached out to customer service regarding my {$600.00} credit limit on a secured credit card I had with them. At the time of my call, I had demonstrated on-time payment history for the past 2 years. I requested my account be evaluated for graduation to an unsecured credit account. I have several unsecured cards with much higher spending limits. I was told a request would be submitted and I should expect to hear back in 30-45days. No communication has came from capital one regarding this matter. Additionally, I acquired an auto loan for approximately $ XXXX with Capital One and had absolutely no late payments and the loan was paid in full last year. This company knows I have good repayment history which is why they send additional offers. Capital One also just pre-approved me for another auto loan for over $ XXXX but wont grant me more than {$600.00} on my credit card? I also pre-qualified for the XXXX Capital One Cars. Very unfair how they treat loyal card holders by forcing them to open new accounts to get additional credit as opposed to acknowledging our requests on our existing accounts. My credit score is more than XXXX points higher than it was when I signed up for this card and my account has not been released into a secured card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any information on how you have verified the erroneous information and alleged account attached in Exhibit C. Therefore, I request that you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the affidavit attached. ) ******
Product: Debt collection

I received an alert on my credit score from ability recovery services LLC on XX/XX/year>. I called them to see what it was about they told me that I had a debt in collections from a recent hospital stay for XXXX. They said if I paid the balance in 30 days or less it'll be removed off my credit report ( over the past 6 months credit has been a big deal for me as I'm working on building my score ). At that point I gave my debit card number because I wanted to get this off of my credit report. On XX/XX/year> I did some research about ability recovery services and the company that said that I owe them ( the medical facility not the actual debt company ). Ability recovery services Had a one star review and it caught my eye. I checked the reviews and everyone is saying that it is a scam company and they do not give them your information. The medical company is XXXX XXXX XXXX. A medical company that I have never affiliated with. Since then I have reached out to my bank to have my cards cut off. I've reached back out to ability recovery services and now their phone numbers aren't working. When I called before and wanted to get connected to customer service I was automatically connected and now that I've given them my information and everything there's no way for me to be able to speak to them. Every time I call to try to speak to someone in customer service it says the number is not valid. I will be contacting XXXX XXXX XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : * XXXX  XXXX  XXXX/XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  XXXX/XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  XXXX/XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX ; Under the Account Number : XXXX ; XXXX On : XX/XX/XXXX * XXXX  XXXX  XXXX/XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX  XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  XXXX; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX * XXXX  XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN XXXXFTC ( Federal Trade Commission ) Identity Theft Report