23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Product: Mortgage

I received correspondence from Rushmore mortgage dated XX/XX/XXXX in regards to a modification agreement they want me to sign, that was dated for XX/XX/XXXX.

My loan servicer changed to Rushmore XX/XX/XXXX during my modification trial period. Rushmore refused to honor the modification trial period that was completed though my old servicer XXXX XXXX XXXX they set my home for a property foreclosure sale. I recently received these modification documents dated for XX/XX/XXXX of which is out of date. I have not signed them because it will reflect I defaulted on the modification agreement of which I did not.
Product: Checking or savings account

On XXXX I deposited a check for {$3900.00} through Chase XXXX XXXX from an XXXX XXXX Campaign for XXXX XXXX XXXX, so I thought , but apparently it was a scam. The check cleared but then they had a hold on the check processing but the funds was not removed. It was confusing so I called the bank XXXX and talked to 2 representatives. The 1st said she believed something was wrong with the check and that it should clear by XXXX but she wasn't sure, so she transferred me to the deposit department which would have more information about the check since they handled it. I talked to a rep in the Deposit Dept. He told me that the check was good and the funds were available. I asked about the hold and he told me that I shouldn't worry about it and that it should fall off, but I was good to go to spend the funding. I confirmed 3 times with him before I hung up that it was okay to spend the money and he said yes. So the instructions for the campaign was to transfer {$2000.00} XXXX to a XXXX XXXX at XXXX XXXX XXXX and {$1200.00} through XXXX XXXX $ XXXX to pay for the wrapping on the vehicle. I was given an appointment for XXXX at XXXX. The next day my account was negative and the hold was legit. I called the bank XXXX informing that the rep in the deposit department gave me the okay and had he not, I would have held out in spending the cleared deposit until whatever investigation they were doing on the check had cleared. I had did my due diligence in checking beforehand, but apparently they did not do theirs which caused me to issue out {$3200.00} of which I did not have. And all they could do was apologize for the reps misguided information. I called back XXXX to contest again to see if I could be covered for the transactions since technically it was their fault and repercussions should be done. They said they might be able to do something about the XXXX XXXX payment of {$1200.00} since I was schedule to have my car wrap and it didn't happen so it was services un-rendered, however they could not do anything about the XXXX payment of {$2000.00} and I would have to go through XXXX to contest, so I filed a scam report with XXXX and have not heard back from them as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX L XXXX XXXX XXXX XXXX XXXX Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKED MY CREDIT REPORT THEN NOTICE THAT ACCOUNTS WAS OPEN IN MY NAME THAT I NEVER KNEW ABOUT IM TRYING TO BUY A HOME AND THESE ACCOUNTS ARE STOPPING ME FROM HAVING A GREAT RATE WITH MY CREDIT UNION HOW CAN SOMEONE USE MY INFO WITHOUT ME KNOWING THIS IS CRAZY.
Product: Money transfer, virtual currency, or money service

I first verified my external accounts ( XXXX XXXXXXXX XXXX XXXX and XXXX XXXX ) with small security deposits made by XXXX. I then initiated XXXX transfers on the XXXX XXXX, using Fifth Third 's online banking website to conduct these transfers, in order for me to fund my Fifth Third account. The first transfer from my XXXX  XXXX XXXX account for {$8000.00} and the XXXX transfer from my XXXX account, for {$5000.00}. 

However, I got a voicemail a day later to say that I needed to verify my account, unfortunately I missed the call and was not able to catch them in time before they cancelled my transaction. But I did speak to them a day later and they told me the funds would be returned to my accounts from where they originally came from and it may take up to XXXX business days. It has been almost XXXX weeks now and I have contacted XXXX bank and they have not helped me in this matter whatsoever. I do not know where my money is being held up and why it isn't getting returned to my accounts since they rejected it.
Product: Debt collection

KLS financial has a {$640.00} negative charge reporting on my credit report for XXXX XXXX. XXXX XXXX filed for bankruptcy and went out of business in 2017. XXXX XXXX no longer exist. The name XXXX was purchased by XXXX XXXX. I called the corporate office and I was told that I debits were settled in the bankruptcy and KLS Financial has no legal grounds for that company anymore because they no longer exist. XXXX XXXX sent me an email stating that I would receive a refund back for the order that I returned. I received the wrong items and returned them. XXXX also gave me a gift card because they made a mistake. I filed a dispute with Visa and won. KLS is holding me responsible for a charge back that I won with Visa. This is a breach of contract. Customer have the right to dispute charges and cant be recharged by a company after winning a dispute. This is illegal to recharge me for something that I didnt Authorize.
Product: Credit card or prepaid card

I contact Citibank via chat in the online banking to remove ( or set to XXXX  ) the cash advance limit on my card. 
The representative said I have to do it over the phone. 
I called, and I was told this is not an option, I don't have the option to remove cash advance limit on my card. Meaning that if the card is lost or stolen, or misused by the store/website, it could count as a cash advance with very high fees. 

She said she was going to double check, and the call was disconnected abruptly. 

These attitudes prevent me from expanding my relationship with you. XXXX XXXX did it in less than one minute online, and that is just one of the reasons they receive many thousands of dollars in business from me and my family.
Product: Debt collection

Portfolio Recovery Associates placed a negative Charge-Off on my account before XX/XX/XXXX. They were not licensed to collect in the State of Florida until XX/XX/XXXX. I have attached my credit report dated XX/XX/XXXX to this complaint. 

Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to remove the remaining fraudulent accounts.
Product: Credit reporting or other personal consumer reports

i took a look at my credit report and i notice there were 3 inquiries on my report i did not apply for which violate my consumer rights under 15 usc 16841b ( c ) and i would like these inquires deleted immediately since it has a negative effect on my report - 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

XXXX XXXX XXXX XXXX ( NMAC ) ( XXXX  ) XXXX financed my XXXX XXXX XXXX XXXX for the same year. As weeks turned to months then years ( NMAC ) began to access a fee and I called but could not speak with any first language English speakers. So next I wrote NMAC about the same only to get another somewhat foreign listener about Fee & Fees plus now there was a force multiplier although the note was met. This account showed fee had fees and it was reported 30 days, 60 days, 90 days but it was not reported as such. Whether it was small it was not shown late but forced multiplier meaning I am paying even more ( in an above the note ). Well I want all derogatory marks removed because all fee/fees were PAID and accepted as such. Well if so why report 30,60,90 day ( s ) all should be removed and marked paid/closed an not reflected as opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and it is defamation to my character and livelihood.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated according to my studies of the fcra. I have been disputing with XXXX equifax and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation
Product: Money transfer, virtual currency, or money service

I noticed fraud on PayPal regarding the XXXX XXXX XXXX XX/XX/2021 for {$66.00}. I've never heard of them nor have I conducted any business with them. I immediately filed a complaint with PayPal. While waiting for the results of my PayPal claim I began researching the XXXX XXXX XXXX and came across hundreds of complaints from PayPal users. There seems to be a direct correlation. 

The XXXX XXXX XXXX is in XXXX. 

After a period of time, PayPal of course came back and denied my claim stating it was authorized. What's more frustrating is they sent the following email : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

The payment in question was sent as part of a billing agreement you previously set up with the merchant. 

We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. 


I sent a complaint to the appeal email, and demanded a copy of the documents PayPal used in their decision. Today ( XX/XX/2021 ) I received the following email : We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction  ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX In other words, PayPal chooses to give their customers the runaround. I will send the letter, no worries there. I have already emailed PayPal and advised them they might want to be aware, customers are angry. It seems customers should unite and start a class action lawsuit. Just look at the forums. People are outraged. 

I filed a complaint with my bank and bypassed PayPal all together. My bank said they have this XXXX XXXX listed as fraudulent and they've had major complaints about them from other people. For whatever reason PayPal is lazy, and they apparently approve of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion, XXXX, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX 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 XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that 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 information relating to any transaction by the consumer. 

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 have violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I hope this letter finds you well. I am writing to emphasize an issue that, while often overlooked, has significant consequences for myself and society as a whole : identity theft. 

Identity theft is not just a minor inconvenience ; it can lead to severe financial and emotional distress for me as well as other victims. When someones personal information is stolen, it can result in fraudulent activities that tarnish their credit history, disrupt their financial stability, and cause immense stress. The aftermath of identity theft can take years to resolve, leaving victims feeling vulnerable and helpless. 

As technology continues to advance, so do the methods employed by identity thieves. It is crucial for everyone to remain vigilant and proactive in protecting their personal information. This includes using strong, unique passwords, being cautious about sharing personal details online, and regularly monitoring financial statements for any suspicious activity. 

I urge you to raise awareness about this issue within your company. By educating others on how to safeguard their information and the steps to take if they become a victim, we can collectively create a safer environment for everyone. 

Thank you for taking the time to consider the importance of this matter. Together, we can combat identity theft and protect ourselves and our loved ones. 

Sincerely, XXXX XXXX XXXX Attaching supporting Documents