23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

See attatched XX/XX/XXXX FRAUD LETTER XX/XX/XXXX, FRAUD LETTERS. * credit we deposited at the beginning of investigation HAVE BEEN REVERSED. see attatched XX/XX/XXXX statement of transactions. ONLY CREDITS ARE MERCHANTS {$340.00}. NO NONE NO USAA CREDITS PROVIDED.!! USAA REVERSES CREDITS NEVER PROVIDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX Bank Delaware : XXXX # : XXXX XXXX Bank XXXX XXXX # : XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX # XXXX 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 or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  account # XXXX below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXX  # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have maintained a PayPal account for over XXXX decades without any issues. I primarily use this to buy and sell goods on websites such as XXXX. I usually have XXXX transactions per year. 

XXXX days ago, I was notified that my account was permanently suspended for violating terms of service. The reason given was that I was using a XXXX to access PayPal, purportedly a breach of the PayPal ToS. As a XXXX XXXX, I naturally reviewed the most current ToS and I was not able to find a single provision that uses the term XXXX or XXXX XXXX XXXX, let alone XXXX that purports to prohibit consumers from using XXXX to access PayPal. 

I was also told that VPNs are not allowed because " hackers use them to commit fraud '' and PayPal needs to verify that it is me who is logging in every time. I would point to the fact that I have XXXX enabled on my account with literally ensures that it is me who is logging in every time since my log in requires the entry of a XXXX-digit code that is sent every time to my mobile device. XXXX have legitimate uses and I would submit that they are essential to any cybersecurity plan to prevent unauthorized access. 

Essentially, I have been discriminated against on an illegitimate basis and can no longer access my account.
Product: Mortgage

To : XXXX. XXXX XXXX XXXX - We were notified the first few weeks in XXXX that our mortgage was being purchased by Pnc Bank XXXX XXXX. XXXX. No sooner had the ink dried, we received a letter dated XXXX. XXXX stating that we were behind on our payment and we could lose our home. We called and were told that we owed for XXXX XXXX. We received a letter dated XXXX stating that {$300.00} was going to be taken from our mortgage payment. Then, the bombshell letter also dated XXXX. XXXX, came which was a replica of the letters we had been receiving from XXXX XXXX  - stating lies upon lies, refusing our XXXX XXXX, applying our mortgage payments to pay attornety fees, to pay for forced placed escrow ins. and to pay your illegal interest/fees- always threathening us with foreclosure. Now, we understand! Pnc Bank and XXXX XXXX  are one and the same. Under your direction, Pnc will not accept our XXXX XXXX. XXXX and XXXX 's proof of our payment ( s ) to XXXX. Under your direction, will not accept our mortgage payments from XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX 's proof of payments. You are following the same path XXXX XXXX  has followed the past four years with us- Always rejecting anything that might impede you from taking our home the easiest and least costly way. Why do you want to illegally take the homes of Seniors and Veterans - This is despicable! On XXXX. XXXX. XXXX, an associate said that a certain associate was assigned our case. We called her that same morning and we received a recording - and here, today, XXXX. XXXX to reach out again, we called and the associate asked us if we would speak to anyone in her office. We said yes. She could not connect with that office and we asked if we could speak to a supervisor/manager and she said that she would have one to call us. A supervisor/manager never did call We did not expect them to call for this is the same proceduure used by XXXX XXXX  XXXX We will not allow our home to be stolen by Pnc Bank. PNC bank has already been sued for a similar reason!
Product: Payday loan

I borrowed a loan with XXXX XXXX. The paperwork came in the name of Cashcall. The was on a payment plan that never ended. The company charged so much interest. I called several times to make a lump sum payment, but was never able to get a call back. The next thing I knew a man from another company started calling me harassing me. This is after 2 years has past. I borrowed {$2500.00} and now they want me to pay back {$5700.00}. They are claiming they are gon na sue, and file charges. The person got upset when I stated I would have my attorney call him back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person, a XXXX Citizen with Consumer Protection and Privacy rights under FCRA! 

XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX I was never late of on the paid off accounts listed above. Please show me documentation showing I was ever late. Prove your inaccurate reporting on my credit report. I should receive contact details for the person you used to falsely verify this information. Using XXXX or any other information system to verify an account has been ruled as not valid because they are consistently inaccurate and are not sufficient to verify credit report data by the courts, so please stop violating federal law by NOT performing a proper investigation. If you are not able to provide documented details for the method and contact details for the person you used to validate this information, you are required to delete these inaccurate late payments immediately. 

Also note that neither XXXX XXXX nor XXXX XXXX XXXX ever notified me that there was ever an issue with payment within 21 days of the payment as required by law. Autopay was setup on their system. They are responsible for processing the payments with a merchant payment processor that is reliable. The consumer can not be punished for failure of the company/creditors payment system or inaccuracies in their records. These accounts have been paid in full and closed for months. Yet you all still keep reporting the inaccuracies. I have never made a late payment. 

The law in case you don't want to search for it : https : XXXX XXXX XXXX XXXX XXXX ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

You all reported a late payment Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus This is an {$1000.00} violation charge for this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> : I received an auto loan application denial letter from XXXX which states, " Negative Equity '' with my credit score of XXXX attached. 

XX/XX/year> : I received a 'Welcome ' letter from XXXX which states, " We want to welcome you '' in regards to an auto loan. 

XX/XX/year> : I received a letter from XXXX which states, " We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/year> : I received a letter from XXXX which states, " We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained three credit reports in addition to XXXX XXXX & XXXX XXXX XXXX and see XXXX has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. 

Additionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of XXXX security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my XXXX XXXX XXXX, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.
Product: Credit reporting

I 'm writing regarding a lien which was released and withdrawn by the XXXX on myself and my wife XXXX XXXX XXXX. The lien was recorded on XXXX/XXXX/XXXX, released on XXXX/XXXX/XXXX and withdrawn on XXXX/XXXX/XXXX. On XXXX separate occasions, my wife and I requested the lien be removed from our Equifax credit report. XXXX times Equifax refused to remove such. Today I called their toll free number and was told that it could not be removed until XXXX. 
Respectively, this is unfair and unacceptable. Upon notification of the tax withdrawal, both of the other credit rating companies completely removed the adverse information from our reports. I am hereby requesting your assistance in removing the information from my and my wife 's Equifax credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE.
Product: Money transfer, virtual currency, or money service

I noticed a unauthorized wire transfer from my account. I immediately called the fraud number and I filed a complaint. I never received any resolution or information. I called again and received a time wasting run around constantly forwarded to different departments saying they have no information.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1800.00} XXXX  XXXX {$11000.00}
Product: Debt collection

I sent the collection agency a debt validation letter and they never responded back to me.
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 any 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 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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

I have been trying to work with my business bank ( XXXX XXXX ) to apply for a PPP loan. I have a business relationship with them. I am a seasonal business requiring a calculation based on a seasonal period, which is allowed under the PPP program. The bank is refusing to process my application for unknown reasons, trying to instead offer me a loan amount significantly less and not an accurate representation of my payroll as specified by the treasury department and the SBA. I originally submitted my application in early XXXX and have tried numerous times to talk with anyone I have dealt with. Any time I am able to speak with someone they are unable to provide any information relevant to my application, including necessary documentation they need from me to validate my payroll numbers. I believe they are screening my calls and refusing to do business with me waiting for funding to run out.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account ; XXXX  Account Number : XXXX lease investigate and provide Proof with statements showing that these payments were late.If proof ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.
Product: Credit reporting or other personal consumer reports

This is a complaint to Transunion, the only comsumer reporting agency that is NOT abiding by the fair credit reporting act as the other two agencies XXXX and XXXX as removed this inaccurate information. This also serves to notify the consumer financial protection bureau ( cfpb ) about the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are still reporting the following information and thus violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication XXXX The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

This is not only a violation from these companies [ TRANSUNION ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN ( CFPB ) I AM SUBMITTING COMPLAINT AS CONSUMER, I HAVE 3 NEGATIVE ITEMS REPORTING TO ALL 3 CREDIT  BUREAUS BLEMISH ON MY CREDIT REPORTS. THERE ARE ( 3 ) DIFFERENT YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX THEY WERE ALL DISMISSED THEY WAS ALL DISMISSED BY US BANKRUPTCY COURT, I AM SUBMITTING THIS INFORMATION ON GOOD FAITH AS A CONSUMER TO HAVE 3 NEGATIVE ITEMS REMOVE OFF ALL 3 CREDIT REPORTS,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX 's XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.