23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Greetins, I am having an issue with PAYPAL Inc XXXX I am disputing a negative balance of {$570.00} on my PAYPAL Account. 
On XX/XX/XXXX I tried to make a purchase from XXXX. ( XXXX- XXXX ) using my PAYPAL credit that is a line of credit from PAYPAL everything looked OK until next day that I got a negative balance of {$570.00} on my checking account ending XXXX?? Right away I contacted PAYPAL Credit and I asked why you put this balance on my checking account when I did this transaction through PAYPAL CREDIT and I NEVER chose or authorized to use my checking account. They said that I chose my checking account and I said to them many times that I DID NOT chose my checking account as source of payment or not even authorized to use my checking account also I have a copy of this transaction that it was through PAYPAL CREDIT. Even after I explained many times and disputed to them about this balance They tried few times to collect the money from my checking account XXXX ; getting me in trouble and on XXXX situation with my bank because I got few insufficient fees of {$34.00} each and my bank almost shut my checking account because PAYPAL. At this point I ca n't even use my checking account to make payments Now I have to buy a money order and mail the payments. 
So far one of my disputed I did with XXXX and XXXX from Pay Pal Limitations Department Ref # XXXX on XXXX They told me that I have to wait 10 business days and I am still not getting an answer from them. Today I called PAYPAL four times I spoke with XXXX Limitations Department again and they do n't have any answer for me. I really need to resolve this issue as soon as possible I am so concern that this issue could affect my credit report. Please I will appreciate so much any assistance in this matter. 
Sincerely,
Product: Checking or savings account

When I had my Wells fargo account their were multiple times the account was charged and late fees added and return fees when I supposedly had protection, the charges were crazy. Also I deposited a check by a company I was told was my new " employer '' and it was for car wraps. You drive around the logo for so long you get paid weekly. We'll I was scammed. The thing is Wells fargo approved the check for one, the money was available the next day and my account was in the negative so it cleared that up and in my instructions I was told to XXXX XXXX to an email so I did and when the check was canceled they refunded the XXXX money but i was still left owing the remainder which the check was XXXX so XXXX I owe then they gave me quite a few fees. I took in the necessary paperwork spoke to manager I called and reported them I gave all the information and items sent to me I took all the right steps for the. To tell me I owed this money. I was supposed to be protected from this. I am in debt with them still because when I offered to make payments of XXXX dollars a month I was told that it's not enough.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Bankruptcy Information on My Credit Report To whom it XXXX concern, I am writing to formally dispute the bankruptcy information that is currently reflected on my credit report, as provided by your agency. I am fully aware that bankruptcy-related data may persist on a credit report for a maximum of ten years. However, I firmly assert that this particular information is both erroneous and detrimental to my credit score, as well as my ability to secure credit. Under the provisions of 15 U.S.C. 1681 ( a ) ( 4 ), it is your responsibility as a credit reporting agency to uphold the principles of accuracy and consumer privacy in credit reports. The inclusion of this bankruptcy data not only constitutes a factual inaccuracy but also infringes upon my consumer right to privacy. 
XXXX XXXX  Bankruptcy Discharged XX/XX/XXXX XXXX XXXX Bankruptcy Court I am requesting that you remove this inaccurate bankruptcy information from my credit report immediately, in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Please provide me with written confirmation of this removal and an updated copy of my credit report once this change has been made. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting this matter with Equifax resolved once and for all. Equifax is reporting inaccurate information on my credit file. Equifax is reporting that XXXX XXXX ACCT # XXXX & XXXX is late in XXXX and XX/XX/2019. This is inaccurate information in that these accounts has had a XXXX balance for over 4 years. How can an account with a {$0.00} balance have a late reporting during the time that it had no balance.
Product: Debt collection

On XX/XX/XXXX my employer contacted me with a telephone number to call. The telephone number was XXXX for XXXX Support Services. XXXX XXXX was the name of the person. Before I could call the number, I received a couple of phone calls from a man telling me that a lawsuit had been filed against me for an outstanding debt. He informed me that my wages were going to be garnished along with a lien placed upon my home. He could not give me any information other than to call the telephone number and speak with someone at the XXXX XXXX XXXX XXXX XXXX XXXX. When I called, the lady on the phone began to tell me that I owed $ XXXX for a Citicard that I opened in XXXX. She said it charged off in XXXX and that I had to pay at lease a little over {$5000.00}, but I could counteroffer the amount. I knew that I had failed to pay the card when I was younger and thought that it must be legit. The lady had give me my social, driver 's license number as well as my wifes. They also had a list of utilities that we have. I countered with {$2500.00} and they countered again for {$3000.00}. I was fearful that they would do the things they said that they would do such as ruin my credit, garnish my wages, and put a lien against our home so I paid {$1000.00} on my credit card and {$2000.00} on my debit card. After I disconnected with them, I began to search for their information online and there was nothing that I could find. Also, the money shows that it was to a bank called XXXX in XXXX. I contacted the Texas Attorney Generals Office and Louisiana Attorney Generals office and both informed me that it sounded like a scam. My bank told me that I would not be able to get my money back due to it being authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting!

Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported my XXXX XXXX XXXX account as closed and included in bankruptcy, this is incorrect. It's an open account in good standing since XX/XX/XXXX. It lowered my score over 30 points. I've called several times with no help or resolution. I've tried contacting capital one auto also with no help from them either. XXXX XXXX Credit Card was included in my bankruptcy and now is a collection with XXXX XXXX XXXX, that's what I was disputing. They've now reported my bankruptcy wrong also, I never disputed that but it was discharged in XXXX and now they are showing it open. They keep disputing accounts I'm not opening disputes on and messing up my credit report. I'm trying to buy a house and this is messing everything up.
Product: Credit reporting or other personal consumer reports

These inquiries are not mines remove immediately XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed a negative reporting with Experian, XXXX, of a late payment that is still on my report from 2022 and Experian came back and said that they found nothing to uphold my dispute and closed the dispute without providing further proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. 
I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. 

Thank you for cooperation from all involved parties
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX / Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX / Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX XXXX  : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$3200.00} {$110.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$16000.00} {$1100.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 10 months 14 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 10 months 14 days 3 FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 6 years 4 months 24 days XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 11 years 2 months 21 days 4
Product: Credit reporting, credit repair services, or other personal consumer reports

inXX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were already sent.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things like my student loan being listed without my consent. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed not to 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. 

Resources
Product: Mortgage

In XX/XX/2021 we applied for a HELOC at PedFed under my husband 's name, XXXX XXXX and we were offered a {$110000.00} line of credit. PenFed ordered a 3rd party drive by appraisal that came in at XXXX. 

We decided to wait and file our taxes with less deductions, pay off our truck, and I also received a {$40000.00} salary increase when I changed jobs. This month we reapplied for a HELOC at PenFed under my XXXX sounding name, XXXX XXXX, and our house was valued at {$360000.00} using the same PenFed appraisal process. I find it hard to believe that our house value dropped that considerably and the documents don't support the market going down in my area. 

We were offered the exact same loan amount this time despite my higher salary, less debt, and less deductions taken on taxes. 

I believe this was because instead of the white, male sounding name by XXXX name was discriminated against. 

When I contacted PenFed to get more information regarding the discrepancy I was responded to in a rude and dismissive way. The woman who took my call was named XXXX, I didn't catch her last name.
Product: Credit reporting or other personal consumer reports

Due to the numerous counts of data breaches that I have been subject to and the severity of each one directly involving my PII information, I have endured Delinquent and Derogatory marks to such a degree that I can not recover.

For the past 7 years the data furnishers, collectors, and credit bureaus have directly given me a false identity. They have set up reports and made scores from information that is so far apart from me for so long that I literally can not defend myself. 


To paint a much vivid picture and give a complete understanding. It is a common act of human nature to live a lifestyle beyond one 's financial means and be consumed in unmanageable debt. Then try to point the blame at something or someone else. 
XXXX  But the entire 7-year span that I am referring to, I have filed countless disputes with credit bureaus, banks, credit card companies/grantors, and data furnishers. I have filed police reports, called random numbers that are linked to any activity on my reports, begged and pleaded with strangers, and have lost hope. When I dispute anything on my report it comes back validated by furnishers. When I call furnishers and ask where they get info and demand them to correct the fraudulent information, I'm then told there are laws that limit the data they are allowed to delete. 

It's like I'm fighting a battle 3 against 1. I do not understand how a credit bureau can deliver the information that they compiled of my life to criminals and then even tell me the criminals for sure have it posted the dark web then turn around again and tell me the low score on my report along with the 85 inquiries is me being irresponsible with my credit and life decisions.

There are laws such as 15 U.S. Code 1681 that are being violated by XXXX and XXXX because they did not protect the reports they have on my life.
Product: Credit card or prepaid card

CITIBANK CREDIT CARDS HAD AN ORIGINAL LINE OF CREDIT WHICH WAS DECREASED ARBITRARILY, RESULTING IN LOWER FICO SCORE. ( I.E. XXXX CARD {$5000.00} CREDIT LINE - CHARGES OF {$1500.00} - 31 % DEBT RATIO & SCORE OF XXXX. WHEN BALANCE WAS PAID DOWN TO {$1100.00}, CREDIT LINE WAS DECREASED TO {$1300.00} - CREATING A DEBT RATIO OF 91 % XXXX XXXX CARD - ORIGINAL CREDIT LINE AT {$2000.00} WITH CHARGES OF {$600.00} 30 % DEBT RATIO - THEN DECREASED CREDIT LINE TO {$500.00} INDICATING BALANCE OVER CREDIT LIMIT! MY FICO SCORE HAS DROPPED TO XXXX! ALL PAYMENTS HAVE BEEN MADE ON TIME, SOMETIMES EARLY, AND FOR MORE THAN THE MINIMUM AMOUNT. IS THIS HOW PEOPLE WHO PAY BILLS ON TIME EVERY MONTH ARE TREATED? HOW CAN ANYONE COUNT ON ACCURATE CREDIT SCORING WHEN CITIBANK IS USING UNETHICAL PRACTICES?!?!?