23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FORMAL CEASE AND DESIST LETTER TO PAYPAL IN RE : 1 ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX I am hereby demanding PayPal cease and desist contacting me or trying to collect for these disputed transactions from me given I have no knowledge of these transactions and have strong reason to believe someone conducted these transactions under my name in order to carry out this fraudulent scheme. 

I have never had a PayPal account under my email address and believe someone created an account in my name to conduct fraudulent transactions. 

I do not recognize this activity and didnt know there was a PayPal account established in my name under this email address and am requesting I not be obligated to pay these amounts given I never opened this PayPal account or conducted these transactions. 

PayPal has also stated to me there is no active account under my email and it assumes the fraudulent account was closed so there is no way for me to respond to this case and let you all know this and what was going on here. 

I did not authorize nor do I recognize any of these transactions, therefore, shall not be obligated to pay for these disputes transactions and will file a lawsuit against PayPal in the event PayPal tries to make me pay for these transactions which I know nothing about. 

I have already requested PayPal stop contacting me under FDCPA in regards to these transactions and cease any and all communication in regards to these transactions which I know nothing about and in the event PayPal continues to try to contact me in regards to these transactions and/or attempts to force me to pay for transactions I know nothing about my attorney is already prepared to file a lawsuit. 

Sincerely, The XXXX XXXX XXXX
Product: Debt collection

this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake
Product: Debt collection

My name is XXXX XXXX, I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of XXXX with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed work ( lost wages ) since I have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan ( XXXX College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an XXXX XXXX at a XXXX XXXX XXXX {$11.00} an hour in the XXXX XXXX area I get paid bi-weekly, I have XXXX little boys ages XXXX and XXXX years old and I am the sole provider. Do the math Im going to be homeless because of this issue. I understand XXXX College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with XXXX children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address isXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX associates account number a XXXX has violated my rights 15 usc.1681 section 602 a.state I have the right to privacy 15 USC 1681 Section 6048, section 2 also states that And consumer reporting agency can not furnish account information without my written instruction and or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I did not authorize on my report : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello TRANSUNION. I just pull my credit and seen fraud. The fraud accounts is XXXX XXXX XXXX for {$2200.00} The fraud accounts is XXXX XXXX for {$410.00} The fraud accounts is XXXX XXXX XXXX for {$0.00} The fraud accounts is XXXX  for {$0.00} The fraud accounts is XXXX XXXX XXXX for {$10000.00} The fraud address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Please remove this all fraud that disclose in this personal statement
Product: Credit reporting or other personal consumer reports

I plead with CFPB to assist me in this matter involving XXXX XXXX XXXX XXXX that is reporting late payments regarding the months : XX/XX/year> - 60 Days, XX/XX/year> XXXX, and XX/XX/year> - 120 Days. 
Please modify all late payments to Paid as Agreed Never Late. This account is reporting as a closed account and can be located on my Equifax, XXXX, XXXX credit reports. 

First, all XXXX payments are inaccurate because your financial institution refused to accept my payments and the representatives told me on the phone that they could not explain it to me.I see now this closed account is reporting NEGATIVE information ( 3 Late Payments ).

Next these late payments should be removed due to your financial institution NEVER sent me any notice at all when you placed the 3 late payments in violation of the laws I am listing below.

FCRA 623.a.7.

( 7 ) Negative Information XXXX XXXX XXXX XXXX XXXX  ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information in writing to the customer.

( Bi ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency descibed in section 603 ( p ).

Again, modify each alleged late payment to Paid As Agreed, Never Late or I will be forced to attain a litigation attorney.

Do not confuse the notice regarding FCRA 623 ( a ) ( 7 ) /FCRA 603 ( p ) with the notice sent by financial institutions regarding the notice pertaining to The Truth and Lending Act 127-A. These are 2 different notices.

I speak of the notice you must send when you identify negative information ( Late Payments ) after the alledged late payments have actually occured not before.
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 that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 



in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section 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

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted Transunion through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. TransUnion declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a college student and should not be going through this. 


I will once more supply TransUnion with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a college student.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Ive identified some inaccurate information on my credit report under 15 USC 16c-2. The data in question is incorrect and negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports, and noticed some inaccuracies on my file. I then contacted each of the three major credit bureaus to have these items investigated. XXXX removed all items that I was concerned about. Experian and XXXX refuses to follow their own laws put in place. All items investigating must be shared between all three major credit bureaus in order to report the same information on all three bureaus. In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm processed a loan for {$95.00} on XXXX XXXX They withdraw {$23.00} for my bank account account on the XX/XX/XXXX as the first payment for this loan to XXXX. I have called them and submit and unauthorized transaction form either their company. They responded with I am liable for the charge based on my spending patterns. I have never purchased anything in my life for XXXX. I am refusing to pay on this loan since I did not request of authorize it. I am requesting my {$23.00}. Be returned to me and they refuse. What are my next steps?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item as it is incorrect. The balances do not match. I contacted experian via phone and was told that I had to call the collection account to have my wrong information removed from my credit report. Even after providing proof from collections that the balance did not match and provide proof Im still with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process was unfair under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties  above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX  v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with a promotion of 24 months with 0 % APR XXXX XXXX XXXX. In my XXXX statement from Synchrony, I tried to locate the terms as advertised and I was not able to locate them on the statement. I looked in the online account information and it said I had no promotions available. I contacted XXXX and they said that Synchrony should have sent me an email outlining the terms when the charge was placed. I checked my email for Synchrony and no such invoice detailing promotional terms was located, only the notification of the new statement with the purchase included. 
I contacted Synchrony that same day XX/XX/XXXX XXXXCST and spoke with XXXX. I stated that I wanted to confirm that my purchase was under a promotion as I had no confirmation that it was. They confirmed I was under a 24 months no interest promotion. I stated that if there some sort of internal suggestion they could make of having the promotional details clearly included and detailed on the statements and the representative quickly stated that it was printed on the statement. I asked him how it was displayed on the statement and he said there's a code in front of the purchase ( along the lines of XXXX, or similar ). I let him know there was nothing on my statement with such a code and I believe that they then actually looked at the statement and determined it not to be there as they quickly reassured me that it was under the 24 month promotion and quickly asked if there was anything else they could help with.
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. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to these companies, which they have received on the XXXX and XXXX of XX/XX/2023, but they continue to furnish inaccurate and incomplete data on my consumer report as of XX/XX/XXXX, XXXX.
Product: Student loan

Sallie Mae is constantly calling, multiple times a day. When I tell them Im in a debt modification program and try to provide them with a number to call, they refuse to take the number. Ive asked them to send everything in writting and they refuse telling me that I have to pay and they abuse me verbally over not being able to pay. Im sick and the stres makes the injury worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I writing this in request to XXXX  XXXX XXXX to provide me a 1099-C for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a 3949a and enter litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX