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

I'm a small business owner in Washington XXXX. We did a project for XXXX XXXXXXXX XXXX XXXX XXXX XXXX to complete the formulation and preparation of plant-based dispersion for farmers. The farmers came to our workplace to pick up the product in mid XXXX. XXXX accountant asked me if it was ok to pay through PayPal. I have a PayPal personal account. It works very well. I can receive the money transfer for free. I agreed. But later the XXXX accountant told me I had to register a business account to receive the payment. They can't send money to a personal account. I registered a business account with PayPal. It becomes a nightmare. 
There are two problems. The first one is I can't get the money. PayPal puts it on hold since XX/XX/XXXX. PayPal asked for the shipping receipt. I called them several times to explain the farmers came to pick up. There was no shipping receipt. But PayPal insisted I had to submit the shipping receipt. On XX/XX/XXXX, I received an email from PayPal. It said PayPal partially removed the limitations. I found they only asked for one item from a list. The first one was my company bank statement. I submitted the bank statement. On XX/XX/XXXX, PayPal told me the bank statement I submitted was incorrect. I downloaded it from XXXX XXXX  XXXX my account. How could they determine it was incorrect? Then I picked another item, which is a letter from IRS with the XXXX  number on it. I submitted the letter. PayPal accepted it. But after more than a week my money is still on hold. I had to pay the labor fee and other expense from my personal account. 
The second thing is PayPal charges 2.9 %, which is {$290.00}. I'm sure I didn't see anywhere PayPal said there would be 2.9 % charge. PayPal doesn't charge for personal account. As a consumer I have the right to know if there is a charge and how much is it. To make sure I didn't miss the place that PayPal might put the service charge statement, I used another small business I registered in Texas to register a new PayPal business account. I did very carefully in every step. I didn't see such statement. PayPal can't charge customer 2.9 % service charge without telling the customer when set up the account. If I knew there is a service charge, I would ask XXXX to wire the money to my bank account or just write a check.
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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I have an extended fraud alert on my credit report, which legally requires lenders to call me to verify my identity under the Fair Credit Reporting Act ( FCRA ), Section 605A. However, this verification process was not completed. When I took out a loan with Possible Finance, I complied with their requirements by submitting a selfie and my ID. After successfully paying off the loan, my phone was stolen, and I discovered another loan on my credit report. Despite informing Possible Finance that this account is not mine, they insist it must be because I had an account with them before. Their actions constitute a violation of the law.
Product: Credit reporting or other personal consumer reports

hard inquires that I did not authorized : XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have asked and wrote a letter to Experian and XXXX  on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 to investigate the medical accounts being reported and have asked for the proof showing that XXXX XXXX  XXXX  has my consent to report my medical information in accordance with HIPPA laws, and nothing was shown to me to date. I have asked for more information because this account was reported without a proper investigation and was reported without complete information. Also, this account has been damaging my credit report for so long and I needed help from your agency to sort this out. 

I am looking forward that your agency would help me and get Experian and XXXX  more involved in investigating this account. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # 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, credit repair services, or other personal consumer reports

There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX XXXX and Equifax, XX/XX/2023. It has been well over 30 days and I still have not received any thing back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX XXXX and Equifax have 30 days to respond to my dispute. This is a violation of my rights certified.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXXXXXX XXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 I financed a mattress from Matress Firm via Synchrony credit. I never received a card in the mail. My payments were due starting in XX/XX/XXXX. I have had to call each month to request a card. XX/XX/XXXXI called and they said a new card was issued. I am unable to set up an online account because without the physical card they say they can not provide that information over the phone. It is now XX/XX/2019 I still did not receive my card. I called again and the rep said a card was issued in XX/XX/XXXX. So every time I have called they have done NOTHING. I cant see any information about my account and I feel like they are running a scam because its been 4 months and as the consumer I cant see anything thats not right
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute XXXX 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
Product: Credit reporting or other personal consumer reports

RESURGENT ACQUISITIONS LLC IS REPORTING A COLLECTION THAT I HAVE NO KNOWLEDGE OF ON MY CREDIT REPORTS. 
( THE DEBT WAS PURCHASED FROM XXXX ) IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the problem!
Product: Debt collection

I am not paying this bill I have insurance and it should have covered it. I am about to have my first baby and I do not have the funds. This also violates hippa, my medical bills were released to a different company.. my husband is a lawyer.
Product: Credit reporting or other personal consumer reports

whom it may concern, upon further revien of my credit report, there appears to be five out of six hard inquiries on my report in which I did not authorize or give permission for nor do l recognize them out of the six the only one l recognize is the XXXX  XXXX XXXX for when l opened my account with them. 


Inquiry details THAT WHERE NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I got an alert that a credit inquiry was made.. this was not me. 

I reported this to XXXX  ( credit ) and to wells Fargo ( bank through which the credit was requested ) Seems like identify theft Was asked to open a ftc.gov report.. I was then directed here.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the reporting of late payments on my credit report, as I believe these entries violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( a ) ( 7 ). According to the FCRA, creditors are required to notify consumers prior to reporting negative information such as late payments to the credit bureaus.

Upon reviewing my credit report, I identified the following accounts with late payments that were reported without prior notice : - Drive Casa, reported XXXX days late ( DELETE ANY AND ALL LATE PAYMENTS ) - XXXX XXXX XXXX days late ( DELETE ANY AND ALL LATE PAYMENTS ) I have not received any written or electronic notice from the creditor regarding the negative reporting of these late payments, as mandated by the FCRA. This failure to notify deprived me of the opportunity to address or resolve the matter before the information was reported. 
Under the FCRA, consumers have the right to accurate and fair reporting, and failure to notify violates this standard. Therefore, I kindly request that you : 1. Investigate the accuracy and compliance of these late payment reports.

2. Provide me with documentation proving that proper notification was sent to me before the reporting of the late payments.

3. Delete these late payments from my credit report if the investigation reveals non-compliance with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/XXXX EQUIFAX DATA BREACH CAUSED ME OVER {$26.00} XXXX IN DAMAGES AND HAD TO FILE CHAPTER XXXX BANKRUTCY AND WERE XXXX AND EQUIFAX WERE NAMED AS 3RD PARTY CLAIMS, BK NO.XXXX, TRUSTEE RELEASED CLAM ON XX/XX/XXXX TO COLLECT SAID DEBT TO CONSUMER.
Product: Student loan

Like the other complainants in the current suit against Navient and its subbsidiaries, I was not informed about the available options for payment, and this negatively affected my loan status. In my case, it resulted in the loss of 58 payments on my loan balance towards the 120 I need for public service loan forgiveness, adding more than 4.5 years until when my student loan debt will be forgiven as part of the Public Service Loan Forgiveness program for XXXX and costing me XXXX of dollars. 

In XXXX XXXX, I found out about the Public Service Loan Forgiveness program from friends who are XXXX. I called Navient ( then my servicer ) to inquire about my eligibility. I told them that I had been a XXXX since XXXX XXXX. They told me I was ineligible, that the program did not apply to XXXX ( This was, of course, untrue. The program has always applied to XXXX. ) I continued to pay the regular amount of my loan as assigned. 

Beginning in XXXX XXXX, I entered into several periods of forbearance with my loans due to my husband 's unemployment. When I called to arrange for these, I was not offered the option of income-based repayment. 

In XXXX XXXX, I inquired with XXXX, my current servicer, so I could find a list of the payments I had made and the reasons why only nine of my payments made since XXXX counted toward my loans XXXX, and seven of my payments made since then count for loans XXXX. 



Furthermore, just like the other members in the class action suit being brought by the attorneys general, I was never offered an income-based repayment plan in my periods of forbearance. If I had been offered an income-based repayment plan that would have offered LOWER payments than I was then making, I would have been able to continue making those lower payments. Of course, if I had n't been lied to about my eligibility for Public Service Loan Forgiveness, I would have made different decisions throughout the process.
Product: Credit card or prepaid card

I received a call, text and an email on XX/XX/2019 from Citibank regarding transactions made using my credit card. I spoke with a representative and she told me that I had transactions all over the world using my credit card. I requested to the representative to tell me the amounts and dates of the purchases, she told me one by one and I didn't recognize purchases done overseas. She said that all transactions were going to be cancelled and I won't need to be worried about anything. A few days later I found that a couple of the fraudulent charges were actually processed and paid for more than {$28000.00} so I called Citibank again. Citibank representative told me that the amount was going to be investigated. Among the steps that Citibank processes in this situation is to contact the merchant for proof of the purchase. They said in a few days I will receive a call from the investigator but it never happened. 
I called back to Citibank a week later and I spoke with a fraud supervisor and she told me that the fraud amount was still under investigation and it could take a while for the investigation to be completed. This amount in dispute is on my bill with a {$13000.00} amount due as a minimum payment. My credit score has dropped 150 points. I requested the fraud amount in dispute on my account with Citibank be given a temporary credit while under investigation which they said would be done in a few hours. This never happened. A week later called again and they told me that they had no record about the conversation that I had with the fraud supervisor. 

I made two questions to the Citibank representatives which they couldn't answer : Why are we dealing with this huge amount which is covered by fraud protection : why were they able to remove or credit the account with the other amounts in dispute and not this large one? 
How did a charge that was more than {$10000.00} MORE than my credit limit gets processed, approved, and paid?
Product: Bank account or service

I have a credit card w/ Bank of America . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.
Product: Credit reporting or other personal consumer reports

I'm reaching out to inform you that I have been a victim of identity theft. Under FCRA section 605b, you are obligated to remove or delete these items identified in an identity theft report. Enclosed, you will find the necessary documents to assist in removing the inaccurate information currently appearing on my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

I am Co-signer on two Private Student Loans that Navient bought from Sallie Mae prior to XXXX. I filed Bankruptcy in XXXX and got discharged approximately XX/XX/XXXX. I started repayment and these loans became part of a Class Action Lawsuit against Navient in which they were put on non-payment status for approximately 2+ years. The Loans were removed from the lawsuit and repayment started up in XX/XX/XXXX with no explanation. I contacted the Michigan Attorney General as Michigan Residents were part of the Class Action lawsuit. I was given XXXX XXXX as the Firm that had oversight and could tell me if I was on the list. I was informed that I was not on the list and after explaining my situation the Rep said I may have been missed and because I wasn't on the list did not mean I do not qualify for complete Loan Forgiveness. 
I went to www.NavientAGSettlement.com and noticed it spoke of low credit scores as a Qualifier. That was the reason I filed for Bankruptcy in XXXX due to low credit scores and inability to pay debt in which these private loans I Co-signed were part of the Bankruptcy. When the Loans started back up in XXXX I was informed by Navient Customer Service that they did not have any data as to why the loans re-instated and not canceled. I was informed by Michigan AG Office and XXXX XXXX to file a complaint with CFPB to get to the root of this matter as to why the loans were not canceled after reading information on www.Navientclassaction.com which addresses my situation and I do not understand why these loans were not canceled. It appears to me that Navient is selectively choosing who to cancel Loans for based upon some discriminatory criteria and not the criteria stated on their Wedsite. Navient has sent me emails offering to match my payments which I do not understand because this seems to be a compromise becasue the loans should have been canceled.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 120 days late as of XX/XX/2017 150 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Also all 3 credit bureaus have reported different months being late. This is not accurate and a violation of the FCRA
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports