23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

About a month ago, we changed bank accounts from XXXX XXXX XXXX to XXXX ( we are both military veterans and felt that XXXX would provide us better service than we had been receiving from XXXX ). Within a day or two of switching our account, we went to all of our creditors and updated our payments for autopays that had originally been through XXXX and now would be through XXXX. This included paypal as we have quite a few autopays that go through this payment option such as our tv streaming subscriptions. XXXX had been informing us that some of our payments were being returned and we were ending up with return fees of {$35.00} a piece. We informed paypal about this and stated our payment option had been updated to distribute payments from our new default account - XXXX debit card. We removed our previous debit card via XXXX, however, paypal would not let us remove the XXXX checking account #. We did n't think this was too much of an issue as we had made our default payment option as our new debit card. We found it strange that it would not let us delete the previous bank account though. We had emailed paypal about this concern, but we have not had a reply at all. Additionally, we wanted to escalate this as paypal did this previously to us about a year ago when we had switched from XXXX to XXXX bank. They had apologized and deleted it for us over the phone, however, the damage had been done even though we had done what was needed to update our paypal account. 
We refuse to make payments to cover up a situation that could have been avoided had paypal not kept our old account in ( even though there had been multiple attempts to delete it and we had made our default payment option via our new debit card ). Based on our previous experience with XXXX, it appears that this is a common situation, however, I am not sure what paypal would have to gain from not updating an individual 's banking info. Strangely, some of these withdrawals are coming out of our closed account while others are coming out of the debit card we made default. It is odd how payments are not all coming from the same place. 
Either way, we feel our follow up and desire to remedy the situation has been thorough, especially having to go through this same situation a little over a year ago. Paypal needs to change their way of documenting payment options as we do not seem to be the only individuals suffering from this. 
I 'd like to ensure that paypal cover any return payment fees from XXXX and also write a letter to XXXX stating that it was because of their inability to update our account to our current payment option, this occurred. In the meantime, it looks like we have carelessly allowed this to go through XXXX when that is the last thing we would have wanted. 
We thank you in advance for any assistance you can provide to us. 
Respectfully yours, XXXX XXXX XXXX ( main account holder under XXXXXXXXXXXX ) XXXX XXXX XXXX XXXX XXXX spouse )
Product: Credit reporting or other personal consumer reports

Ive also contacted XXXX, XXXX XXXX and Experian regarding unauthorized inquiries due to identity theft. I have reporting documents, stating these facts all financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX, XXXX and etc. are all on authorized inquiries ive also called and sending information regarding updating my personal information and no respond back.
Product: Debt collection

After several attempts sent to credit bureaus about the alleged debt being a victim of identity theft i sent over repeated documents and this is still on my consumer report. Sending over several ftc forms WHY IS THIS STILL BEING REPORTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX on behalf of this creditor that is in accurately reporting on all three credit bureaus, Equifax, XXXX XXXX, XXXX. I contacted this company around XXXX in reference to documentation, including contracts pricing, what was done with the vehicle how much it was sold for how much money was left out of it the sale, so no clarification. So then I discover that they have been reporting in accurately for going over 12 months on all three bureaus. This matter could be resolved with removal of account from all three bureaus, ill hold no harm against this company if they will remove the negatively reporting mistakes to correct the in accuracy. I would attach a copy of my credit report but I dont feel that its confidential.
Product: Credit reporting or other personal consumer reports

My rights under the Fair Credit Reporting Act ( FCRA ) and related U.S. codes. Several inaccuracies and unauthorized actions were reported on my credit file, causing me significant distress. 

First, under FCRA Section 616, the reporting agencies accepted and shared inaccurate information about me without verifying its accuracy. This willful noncompliance exposes them to civil liability of up to {$1000.00} per violation. 

Additionally, under FCRA Section 603 ( d ) ( 2 ) ( A ), they failed to inform me of my right to opt out of having my personal information shared, an obligation designed to protect my privacy as a consumer. 

Furthermore, per FCRA Section 623 ( a ) ( 3 ), inaccurate accounts and inquiries were furnished to my credit report without proper validation. This failure to verify debts and inquiries violates Generally Accepted Accounting Principles ( GAAP ) and is considered deceptive. 

The Debt Collection Practices Act was also violated, as collectors engaged in unfair practices, including harassment and reporting false debts, leading to unnecessary contact from creditors. 

Theres also evidence of noncompliance with rules concerning the disclosure of debts to third parties, in violation of Acquiring Location Information Regulations. My private information was shared with unauthorized parties, causing reputational harm. 

The credit reporting agency inaccurately reported late payments without clarifying what constituted late payments. This violates FCRA Timely Payments Regulations by misrepresenting payment history in a deceptive way. 

Additionally, there was a failure to correctly calculate finance charges, which violates the Finance Charge Determination rules under credit reporting standards. 

Finally, under FCRA Section 1681b ( a ) ( 2 ), multiple unauthorized hard inquiries were made on my credit report without my written consent, further breaching permissible purpose requirements.

I have requested that the inaccuracies, unauthorized hard inquiries, and unverifiable debts be removed immediately. Specifically : I demanded validation under 15 U.S.C. 1692g for certain debts. Without proper verification or signed agreements proving liability, these items must be deleted from my credit file. 
I also called for the removal of unauthorized hard inquiries made in violation of 15 U.S.C. 1681b ( a ) ( 2 ). 
If the reporting agencies and debt collectors fail to address these violations promptly, I will pursue legal remedies under the Fair Credit Reporting Act to ensure my rights are upheld.
Product: Debt collection

I was contacted on XX/XX/2020 from EOS CCA about a debt in the amount of {$2400.00} from XXXX XXXX. This account was closed and charged off 3 years ago. I no longer owe this debt. I have contacted them to provide documentation of this debt from the original creditor and have not been provided the detailed documentation of this debt so far.
Product: Debt collection

This account is does not make any sense nor does it have clear information. Ive received information of the debt but still have no knowledge or understanding. Its for an apartment that states I was evicted I have no court filling of that. The documents provided has a forgery of my signature ( and the last name is spelled wrong ) I have tried to contact agency and get bureaus to investigate. I have informed the agency of identity thief & no response have been made. This is violating my rights as a consumer. The ledger that the company is sending has no letterhead, the dates do not match the debt. The company has asked for my ID Ive emailed to the company.
Product: Credit reporting

I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing us today.
Product: Debt collection

XXXX XXXX also known as XXXX XXXX handled a mortgage which was discharged in Chapter XXXX in XXXX of XXXX. In XXXX of XXXX I filed a complaint ( XXXX ) with the Washington State Attorney General 's office because that information had been provided to the lender but they continued to making threatening calls to me about collections even when they had my full Bankruptcy information. On XX/XX/XXXX, I received an email from my credit monitoring service that a new credit inquiry was done and to check. I looked online and XXXX XXXX XXXX had run a hard inquiry against my XXXX. I had not heard of this organization and with the recent XXXX issues, I looked this company up. They are the same as LoanCare. I did not authorize them to pull my credit. I have not made any contact with this organization since my state complaint specifically was to check their business practices and stop contact with me which was not legal post Chapter XXXX. This company is now trying to impact my credit by running random hard inquiries against my credit which each time, is dropping my score a few numbers due to the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not delete the unverified collection off my Credit report. 


XXXX XXXX XXXX XXXX Account # XXXX
Product: Student loan

My last initial payment owed to AES was XXXX. I payed them sometime in early XX/XX/XXXX like on the XX/XX/XXXX or the XX/XX/XXXX in the amount of XXXX dallors. They only applied about 60 dallors and when I asked why they said I have to pay interest, which made no sense. Interest accrues every month and according to a statement that had my interest it explained that its 6 percent for the year, which I surely dont believe they acounted me for. I disputed this reaction with my bank who saw through the deceit since I provided images to support my claim and they rewarded me back my XXXX dallors. Now, AES is saying Im 26 days past due and claiming my loan is delinquent. Can someone resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back from them.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS : 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

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.

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 report 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 informationAny other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX : Account # XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX I have a complaint against First Horizon bank. 
Rout # XXXX Account number XXXX On about XXXX XXXX I over drafted on my account, My account was frozen until I can cover the overdraft. 
I did not have funds immediately, but I had some wrapped coins that I needed to cash out. 
I

set up an appointment to see an accou nt manager to cash out coins. while waiting for the cash, I had a simple conversation with the representative about the new COV19 bank regulations. 
I was asked if I had been exposed to the XXXXXXXX XXXX, and I answered honestly, I said yes. I was hospitalized XXXX weeks earlier and was tested by XXXX XXXX and XXXX XXXX and I was XXXX  for the XXXX. 
Representative then started to say I need to leave now and got up and held the band door open for me to leave, I told her I was XXXX  and I had a hospital not with the XXXX. 
I was always practicing ALL the proper social distancing and wearing a mask. 

I then went home and filed a complaint with the corporate 's office. 
Word was sent to the bank manager, XXXX. XXXX, who then took it upon herself to freeze my account and started closing the account. 

Not just my account but any account that my name was attached to it. 
This caused a major problem, because one account was one that belongs to my brother, who depends on this account to receive his S.S. direct deposit. 

I was able to keep the account open after going above her head to keep that open. 

I made deposits on XXXX XXXX and was told funds will be available on XX/XX/XXXX. 
when I tried to access my account on XX/XX/XXXX, I was told that the checks have not cleared yet. I checked with my friends who had paid me and was told the checks have cleared their banks by XX/XX/XXXX. 

The bank manager was still holding on to my money for no other reason but to be spiteful. 

She then closed my account as of XX/XX/2020. As of Friday XX/XX/XXXX, I still have yet to receive my final check or my bank statement that I was charged {$2.00} for. 

And as of XX/XX/XXXX, I had a balance of {$480.00}. 
her closing my account has caused some of my automatic payment declined. 

I have worked to build up my credit score and she has jeopardized all my hard worked on. 

She was and is a bad person.
Product: Debt collection

XXXX XXXX XXXX, for XXXX XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XX/XX/XXXX, 2017. Also, XXXX  XXXX XXXX is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site is for {$370.00} and I was never made aware of such debt in writing. This is a violation of the FRCA.
Product: Student loan

I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.
Product: Debt collection

I am writing to formally file a complaint regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws by FirstSource Advantage , LLC. On XX/XX/year>, I received correspondence from Firstdource Advantage, LLC regarding an alleged debt. I have never conducted business with this company, nor have I incurred any debt with them. Concerned about the legitimacy of this claim, I promptly sent a written verification request to FirstSource Advantage LLC on XX/XX/year>, in accordance with my rights under the FCRA ( 15 U.S.C. 1681g ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In my letter, I requested the following : 1. Detailed account information : The original creditors name, address, and account number associated with the debt. 2. Proof of debt validation : A copy of the original agreement or contract demonstrating my obligation to pay the stated amount with my wet signature. XXXX. Complete payment history : An itemized statement of the debt, including the original amount, any interest, fees, or other charges, and how the total amount was calculated. 4. Verification of your authority : Documentation demonstrating your legal authority to collect this debt, such as proof of assignment, transfer, or account ownership. 5. Verification of my liability : Evidence that this debt is validly associated with me, including dates of account activity and any records proving that I agreed to the terms of this account. Under the provisions of the FCRA and FDCPA : FCRA, 15 U.S.C. 1681g ( a ) : I am entitled to clear and accurate information related to any claims against me. FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until the debt is validated. Failure to comply with these statutes constitutes a violation of my consumer rights. I respectfully request the CFPB to investigate this matter and ensure that [ Name of Company ] is held accountable for their practices. Additionally, I request that the CFPB ensures : The alleged debt is verified or invalidated. The company ceases any further collection attempts unless they comply with federal law. Any necessary corrective action is taken to prevent such occurrences in the future. I have attached copies of the original correspondence from [ Name of Company ], my verification request, and proof of delivery ( certified mail receipt ) for your reference. Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX  : XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX : :XXXX  XXXX  XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
Product: Credit reporting or other personal consumer reports

Remove the following accounts for improper use of my credit report.These accounts are collection accounts showing an amount past due an a complete payment history XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

My SunTrust checking account has declined overdraft protection. One item overdrew my account several weeks ago. Since then, instead of declining transaction as agreed, SunTrust has continued to approve them - often under {$10.00} - in order to charge me a {$36.00} overdraft fee for each instance. There are now hundreds of dollars in overdraft fees on the account for transactions that should never have been approved in the first place.