23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a purchase of tickets on XXXX. One of the payment choices was PayPal, so I chose PayPal and when I was redirected to Paypal I selected the PAYPAL CREDIT option for payment. This option allows you to use a predetermined line of credit to purchase items online. Since I had available credit of XXXX and I was trying to charge XXXX to the line, I knew it would be ok. I followed the prompts and eventually I was returned to the XXXX XXXX site and completed the transaction. About 25 minutes later I realized I had purchased the wrong tickets. SO, I called XXXX XXXX  and was told no refunds but that I could try to resell the tickets on their site. I wondered if I might have some relief from PayPal so I contacted them. When I described the transaction, the rep from PayPal told me that her records said that I did not use Paypal credit to complete the purchase but rather that the purchase was made using my checking account instead. Now it is true that my checking account was the default payment source but I had EXPRESSLY selected PAYPAL CREDIT to be the payment source for the ticket transaction. I pointed out that I felt this was an unauthorized debit against my checking account as I had only intended to charge this purchase. I pointed out that nothing warned me that my checking account was about to be debited. After checking with her support team she reported back that their had been a 'reported glitch that apparently resulted in some people selecting PayPal credit only to have the payment debit another source instead ''. She said that it was because of some kind of merger or transition involving XXXX XXXX. I guess XXXX is the bank that provides the PayPal Credit account. I accepted her explanation but asked what they were going to do about it. She said there was nothing she could do. SO the effect was that PayPal ignored my direction to charge the purchase to the Pay Pal credit account but instead used my checking account to pay for it. Mistakes are made but what has me angry is that there was no effort to solve this problem. I later attempted to purchase another set of tickets using Pay Pal credit, and I was crystal clear about my selection to pay using the Pay Pal Credit account and it definitely did not work the second time either. When I called PayPal support about the second instance, they said there records showed that I selected the bank account for payment. I am absolutely certain that in both cases I had selected Pay Pal credit as the payment source. They simply do not believe me.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to remove some of the fraudulent items from my file that resulted from alleged fraudulent activity. However, there are still items remaining that need to be addressed. I was a victim of fraudulent activity and this is another request to remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy : 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 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 XXXXXX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Student loan

XXXX keeps sending me herrasment letter, XXXX in the mail about repaying the student loans and they had sent it to XXXX and I tried contacting them to tell them I am unable to repay the loan do to my heath condition called XXXX XXXX XXXX and I am in the process of getting my XXXX XXXX check and i had got a letter yesterday from social security XXXX XXXX office saying I didn't qualify for social security XXXX and I have a attorney for that.
Product: Credit reporting or other personal consumer reports

Several collections accounts on my credit report that do not belong to me appearing after security breach.
Product: Credit reporting or other personal consumer reports

I am submitting this consumer complaint regarding an unauthorized payday loan entry, account # XXXX, that was illegally furnished by Mobiloans to XXXX XXXX XXXX 

In XX/XX/XXXX, I formally disputed this loan entry and requested verification from XXXX and the creditor Mobiloans. On XX/XX/XXXX, I received documentation from Mobiloans that purports to show a loan application filed by myself. However, the attached application lists my date of birth incorrectly as XX/XX/XXXX. Additionally, my social security number and drivers license number were obscured and listed as all XXXX XXXX I have never completed any application nor agreed to any such loan terms with Mobiloans. 

Regardless of the inaccurate information on this fabricated application, any payday loan issued to me as a California resident by Mobiloans, which operates under tribal law, constitutes an illegal contract. Mobiloans lacks the California state license required under Financial Code 23005 to legally issue the deferred deposit transaction. 

In summary, Mobiloans maintains invalid and inaccurate loan information furnished without my authorization on my consumer report. 

I request the CFPB take swift action to compel Mobiloans to permanently remove this unlawful debt information and rectify this harmful violation of fair credit reporting protections.
Product: Debt collection

Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.
Product: Credit card or prepaid card

On XX/XX/2019, I paid off the entire balance of {$22000.00} owing on my zero interest Bank of America credit card. The zero interest offer was set to end XX/XX/2019. I paid the credit card on time each and every month during the zero interest offer. On XX/XX/2019, the day after paying off the entire balance, Bank of America unilaterally closed my credit card account. I believe this was done in response to my paying off the entire balance thereby depriving Bank of America of the high interest payments due to commence in XX/XX/XXXX. Instead of serving to repair my credit by making this payment, Bank of America has harmed my credit by cancelling my account for specious reasons. My credit score is good and I have always paid this credit card on time. I have never defaulted on any debt in my 34 years of credit history and earn {$190000.00} per year. Credit utilization and amount were cited as the reason why my card was cancelled, yet these factors have remained the same over the course of the last year. The only difference is I paid Bank of America every dime it was owed prior to the lapse of the zero interest offer. I believe this is a fraudulent pattern and practice of Bank of America -- to close zero interest accounts that are paid in full just prior to excessively high interest rates kicking in after the expiration of the introductory offer.
Product: Bank account or service

I was offered a bonus of XXXX XXXX miles as a promotion for opening a CitiGold checking account on XXXX XXXX, XXXX. The requirements for receiving the bonus were as follows ; spend at least {$1000.00} withing 90 days and use the 'Bill Pay ' to pay a bill for two consecutive months. The requirements for the bonus were met on XXXX XXXX, XXXX and confirmed to be met by XXXX XXXX XXXX from Citi on XXXX XXXX, XXXX. She stated " Please allow until XXXX XXXX, XXXX for the points to be credited. '' I once again inquired about the status on XXXX XXXX, XXXX. XXXX XXXX XXXX from Citi once again stated " Welcome to Citibank, my name is XXXX. I have taken the initiative to request the credit of the miles, to your AAdvantage account with reference # XXXX. '' It is now XXXX XXXX, XXXX and Citi still has not awarded the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$520.00} XXXX  XXXX {$100.00} XXXX  XXXX {$59.00} XXXX  XXXX {$61.00}
Product: Money transfers

XXXX Michigan Paralegal XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Michigan XXXX is debiting my checking account with Net Spend Corporations unlawfully with out authorization of notice. At this time I 'm not rendering legal services from Paralegal XXXX XXXX XXXX or the Legal Services of XXXX XXXX Michigan and the unauthorized charges for legal fee 's, court cost, and legal forms has become a financial obstacle in me maintaining my monthly expenses. The following charges are not authorized by me from the XXXX XXXX of XXXX XXXX Michigan : XXXX XXXX $ XXXX XXXX, 2015 @ XXXX XXXX XXXX XXXX CA - {$29.00}
Product: Credit card

spoke with XXXX with BMO. Customer Service department. will not provide any m more details about who she is for further discussion. called BMO XX/XX/XXXX at XX/XX/XXXX. I asked why they closed my account without warning causing my credit rating to drop XXXX points. She said that they have right to close for no reason at any time. She said they sent letter but I did not receive a letter with a warning. 

They closed the account on XX/XX/XXXX as per XXXX. I continue to receive marketing emails from them as recently as XX/XX/XXXX, so I had no idea the account was closed. I found out by calling XXXX. XXXX would not disclose how often this situation occurs which leads me to believe its enough where she was familiar with it. 

They would not offer to reopen the account to repair the drop in credit rating, so I have no recourse with them to rectify. I has a XXXX balance and made all previous payments for balances with them with no late payments. Closed to inactivity. Closed the account anyway. 

As of XX/XX/XXXX, I am still able to log into the account and it is not shown as being closed. There are no notifications in the inbox warning me of account closure despite what XXXX told me. BMO harmed my credit rating without any way for me to avoid it nor provide any way to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted XXXX total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} PXXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX employed XXXX XXXX XXXX to collect a debt from XX/XX/XXXX. We received a collection letter in XXXX of that year and replied that the debt was not ours. I researched the info and described why the debt was not ours and to requested them to cease all collection efforts on us. A few months later XXXX hired XXXX  XXXX to collect this same bogus debt. Again a cease and desist letter was sent to XXXX with an explanation. A letter was also sent to XXXX asking them to cease and desist in this harassment. Now in XX/XX/XXXX we received another collection letter. XXXX has apparently hired a third firm, AFNI, to collect this same bogus debt. A third letter is being sent to AFNI. 

This is the second complaint filed against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file it shows on credit bureaus has me showing on pay status as a charge off in which means an account that is unpaid or unpaid debt. I do n't owe XXXX XXXX no balance in which I have a letter from them that shows a {$0.00} balance. 
I was mail my title from XXXX and I sold the car in 2015. So if I had a charge off how is it XXXX title mail my title and I have a letter from XXXX XXXX stating that my account was paid in full. 
Under pay status or status on my credit file there should not be no charge off showing there is no balance or money owed to XXXX.
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent credit collection on my report so I sent a validation letter and the company did not respond. It has been over XXXX days.
Product: Credit reporting or other personal consumer reports

I Am Writing To Dispute Inaccurate Personal Data & The Inaccuracy On XXXX Collections. 

Account Name & Number : XXXX XXXX XX/XX/XXXXXXXX & XXXX. 
1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Reason : These Names Are Inaccurate On My Credit Profile Attached To 2 Collections. 
Delete This Personal Data & The 2 Collections Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

2. On The 2 Collections The Dates That They Were Opened Are Inaccurate On 3 Credit Bureaus. 

Account Name, Number & Credit Bureau. 
XXXX XXXXXX/XX/XXXX : XXXX Transunion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Reason : These Dates Are Inaccurate. Delete This Collection Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

Account Name, Number & Credit Bureau. 
XXXX XXXXXX/XX/XXXX : XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Reason : These Dates Are Inaccurate. Delete This Collection Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting 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 has violated my rights. 


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 or other personal consumer reports

My information on XXXX has been found in the data breach, p, ease remove all accounts on my XXXX  credit report. 

XXXX XXXX XXXX XXXX
Product: Debt collection

according to law 15 USC 1692 ( c ) clearly states that : if a consumer notifies a debt collector that the consumer refuses to pay a debt teh debt collector must cease all communication
Product: Credit reporting 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 has violated my rights. 

XXXX5 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 or other personal consumer reports

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 XXXXXX/XX/XXXX. 
I do not authorize none of these transactions. I do not recognize any of these hard inquiries.

I also have one collection that I would like to be removed as well. 
XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These is a bill that I had paid and it shows as a collection on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Literally only have 1 active XXXX card bal XXXX 1 XXXX  XXXX XXXX XXXX card bal should be XXXX but they keep chargind me ( a complaint I will give you later ) and 1 XXXX XXXX XXXX  XXXX ( XXXX TX ) bal XXXX on my car. 

Today I was told that on my Experian report which I temporarily unfroze ( so potential landlords can have access and for an auto loan with XXXX XXXX ) that there are several accounts over 60 days late. 

Impossible the accounts above is all I have. Who regulates Experian and the employees dealing with the information that goes on my account. I have spoken to you several times before about incorrect info or old information. This rises to the level of abuse and fraud on my data that needs a cease and desist action. 

I am looking for an apt and that error on my file is causing me to be wrongfully denied. Moreover the apts need to be concerned with my rental history not my personal credit.
Product: Credit reporting or other personal consumer reports

I recently discovered an account on my credit report that was opened without my knowledge or consent. After investigating, I realized I am a victim of identity theft, and this fraudulent account is not mine. I am requesting that the companies involved investigate this matter and remove the fraudulent account from my credit report.