23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I signed up for Fan Dual awhile back and choose to pay with pay pal not pay pal credit, which i never knew existed, and the next thing u know it was being paid through Pay Pal Credit ... i did not not choose this type of pay knowing that u have to hit my credit. I have a paypal acct on ebay and it is not a credit acct.Then u can not pay this credit acct thru online pay pal it has to be a bank acct.. this is XXXX .. They said they would let me slide this one time and pay over the phone ... Does this not send up a flag!!! U let me know bacause i will be discontinuing there services!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

see FCRA violations : Not mine : XXXX XXXX {$170.00} Closed 29 potentially negative months XXXX XXXX Original creditor : XXXX XXXX XXXX - Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 100 % Balance on XX/XX/XXXX Original balance - {$710.00} Payment Info Original balance {$710.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX  FL XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} payment never late : please send all proof of this violations : XXXX XXXX AUTO XXXX {$10000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan I'm very sure this is a violation showing a paid account as no history of it : see attachments for proof : XXXX XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$2500.00} XXXX  XXXXXXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment no creditor like XXXX XXXX XXXXXXXX XXXX XXXX  : or XXXX  Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$94.00} - Payment Info Original balance - Balance {$94.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements -
Product: Checking or savings account

On XX/XX/2019 i opened a checking account ( including initial deposit of {$25.00} ) at SantanderBank.com, which came with a promotional bonus of {$200.00}. I never received the debit card and my account #, etc. I called Santander Bank twice the following weeks at ( XXXX ) XXXX. The representatives were Sarcastic, Rude and unwilling to solve the problem. I asked hem that if they don't want to open my new account they should refund my money. They were laughing and hang up the phone. It looks like that i am dealing with another Mafia Bank  authorized to be in business by a Corrupted Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.
Product: Money transfer, virtual currency, or money service

I was contacted by who I thought was a XXXX  XXXX XXXX employee stating that a transfer was being attempted by an XXXX XXXX from XXXX XXXX XXXX to SoFi bank- this fraudulent person already had my account information ( I assume due to all the data breaches ) and said I should transfer the money from my current savings to a new savings account to stop any any further fraud. Since they followed all the BofA procedures and knew my information, I complied..this was late night on XXXX checked my account on XX/XX/XXXX and realized what happened, called the receiving bank SoFi immediately and I was told they put a freeze on the account, which indicated to me it was still open I opened fraud/scam claims with SoFi ( ref no XXXX XXXX XXXX XXXX XXXX XXXX claim XXXX filed on XX/XX/XXXX ) and also filed a police report with XXXX XXXX XXXX XXXX ( ref no XXXX ) XXXX TN XXXX I was just informed by SoFi today XX/XX/XXXX that they have CLOSED their claim because the account has been CLOSED!!! How could it be closed if there was a freeze on it?? I have lost all my savings {$9100.00} ; i am on a fixed income. This has got to stop!!!
Product: Credit card

On XX/XX/year>, a XXXX friend, XXXX XXXX, advertised that she was selling XXXX XXXX XXXX tickets for XXXX, XXXX I had no reason to believe that my friends XXXX had been hacked and her identity had been stolen. Through a series of texts to the number I had for her, I agreed to purchase XXXX tickets. I sent her money, XXXX}, through XXXX for XXXX XXXX XXXX XXXX only to receive nothing and no further responses. It was only after they asked for a {$100.00} transfer fee per ticket did realize that it was not my friend. Additionally, the XXXX merchant initially identified as " XXXX XXXX ' quickly changed their name on the XXXX account to XXXX XXXX. 
I did dispute this with XXXX who stated they have no liability. Because this was a friend and I did know this person, I had no reason to believe I would not be receiving the tickets. I had no knowledge that someone had stolen their online identity and spoofed her cell phone number. I disputed the charge with Capital One and have proof through text exchanges and screenshots of this person changing their name. I also have not received any goods. Capital One has stated that I am afforded no purchase protection because XXXX was used. They can not provide any rationale or further information.
Product: Prepaid card

Illegally opening accounts in order for drivers to receive pay and removing driver choice in how to receive pay : XXXX and Branch opened accounts for new drivers by using drivers information, including their Social Security numbers, without obtaining the drivers consent. Drivers pay was then deposited into these accounts without authorization from the drivers. Drivers could not access their earnings without agreeing to Branchs terms and conditions. XXXX required XXXX XXXX  to use Branch accounts or face termination. 
Harvesting more than XXXX XXXX in junk fees from drivers : XXXX XXXX  paid more than XXXX XXXX dollars in junk fees to Branch to instantly transfer their earnings to an account of their choice. 
Deceiving drivers about their access to their earnings : XXXX and Branch misrepresented to drivers that Branch Accounts would give them instant access to pay. In actuality, many drivers experienced delays when accessing their wages or paid fees to transfer their money elsewhere. Branch also deceived the drivers about their ability to stop payments or make certain transfers using the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 

XXXX XXXX XXXX : Account number XXXX, XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX BANK : Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX Unknown Account number XXXX Unknown Account number 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, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX. Please delete.
Product: Credit reporting or other personal consumer reports

Good day. I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Credit card or prepaid card

I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it.   That wa s 2 weeks ago and I have called 10 times  (  XXXX   XXXX   XXXX   ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a  XXXX  about anybody, They need to be put down. My local offi ce (   XXXX  FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since  XXXX    XXXX   to resolve this. and they did n't post it on my online account.     lies and corruption from this bank and it needs to stop. You can only call  XXXX  number and the customer service  XXXX . They no nothing even If they   XXXX   XXXX  .      XXXX   XXXX
Product: Debt collection

XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by XXXX XXXX  XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

XXXX XXXX has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.
Product: Student loan

my personal and financial information was compromised without my authorization. 


the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 


Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of idnetiy theft and multiple accounts and inquires were opened up in my name. I reached out to the bureaus and companies and there was no change. the dates of the inquires are.. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Student loan

On XX/XX/2019 Weltman , Weinberg & Reis Co. , L.P.A . sent my co-signer a notice in the mail stating that a payment was not applied to the account # XXXX in the amount of {$45.00} but I made an electronic payment on XX/XX/2019. 

They are showing a balance of {$1900.00} and I have a balance of {$1900.00}. 

The information they are providing is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXXXX/XX/XXXX an validation letter so they sent me a copy of my contract. From the contract XX/XX/XXXX, Equifax and XX/XX/XXXX has been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my reports from Pinnacle LLC that should not be reporting. The Federal Trade Commision has stated in federal court orders that Pinnacle is prohibited from participating in debt collections.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have not been doing their job for correcting my credit report. 
I have this inaccurate negative account on my report saying that I owed {$7400.00} for Auto loan from XXXX. 

This account is inaccurate. XXXX and XXXX already deleted this account but Transunion have not updated my report. I need an urgent assistance on this. This keeps me stuck from getting my own car.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments reported for months where no late payments occurred. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute with Tranunion with documents of my complaint with CFPD ( Complaint Id XXXX ) of the debit collocation company admitting to reporting false information on my credit and that they would file to have it removed but have not done so and Tranunion has denied my dispute even with all the needed documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Die-tech Shows Me owing a Balance on XXXX and XXXX  this is incorrect
Product: Checking or savings account

Fraudulent activity on account was reimbursed to us. But then we were told we had to pay it back. And they can not produce a paper trail where fraud checks were credited back. Amounts were {$700.00}
Product: Debt collection

When i pulled my credit report i noticed LVNV Funding/ XXXX XXXX was on my credit report. XXXX XXXX sold the debt to LVNV Funding, but years ago i disputed this account with XXXX XXXX and asked them for proof of this being my debt, so they sent me a bill, which was not proof of allegations. Well, kind of dropped the ball on this but after pulling my credit this year i noticed XXXX XXXX had sold the debt to LVNV. I called LVNV disputing this bill once again. I told them this was fraudulent account and that XXXX XXXX had sold them a fraudulent debt. I was told to get a police report, so i did, which i supplied to them. Now their saying the police report wasnt good enough!! Help please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX
Product: Credit card

A credit card for the amount of {$2300.00} was open on a paypal account that I did not open. Through SYNC bank. I have frozen all of my credits and closed the paypal account. I want this credit card to be closed and deleted.