23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing the inaccuracy of the public record items ( XXXX** AND XXXX** )  being reported on my credit XX/XX/XXXX. I asked TransUnion to provide me a method of verification and TransUnion responded by saying the USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then wrote the court a letter asking if they reported or validated such information to credit bureas and they responded, NO they do not report, validate or confirm bankruptcy case filings to the credit bureaus. So I then mailed that letter along with the letter TransUnion sent me saying the court validated this information and asked them to deleted and TransUnion responded by sending me a computer generated letter, which i know is STALL TACTIC, in hopes that I would give up. My credit is important to me and making sure accurate information is reported only on my credit is important. TransUnion sent a letter dated XX/XX/XXXX saying USBK Court XX/XX/XXXXMississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then mailed ANOTHER dispute letter asking them to stop validating this inaccurate information and to delete immediately. TransUnion responded to that dispute letteron XX/XX/XXXX and now is saying USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX XXXX, LA validated this information. HOW IS THAT POSSIBLE? XXXX XXXX XXXX, XXXX XXXX, LA pulls up ABOSULTELY NOTHING when XXXX  searched and WHY WOULD A COURTHOUSE BASED IN MISSISSIPPI HAVE AN ADDRESS IN LOUSIANA?. That makes NO SENSE! This is an APPARENT NEGLECT ON TRANSUNIONS BEHALF! They are literally PURPOSELY PUTTING INACCURATE INFORMATION ON MY REPORT AND I WILL NOT ALLOW THIS. DELETE THIS INFORMATION IMMEDIATELY. I am fully prepared to take legal action if not deleted immediately. I HAVE ATTACHED ALL PROOF.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sold some theatre tickets on XXXX and XXXX sent the proceeds to a Paypal account that was specifically setup for this transaction. 

Paypal would not accept my legal PO Box address as a " confirmed address '' and refused to let me withdraw my money via a paper check without either 1. adding a bank account, or 2. adding a credit or debit card to my account.

After entering my physical street address and again requesting to withdraw my money via a paper check, Paypal required that I add a bank account before they would allow me to withdraw my money.

After calling Paypal customer service, they managed to force the address confirmations thru their system. I then proceeded to attempt to withdraw my money via paper check again.

Paypal next forced me to a screen where I had to " set up with a PayPal Cash account '' or I would not be allowed to continue on to attempt to withdraw my  money. Apparently this is way of forcing the customer to agree to new terms and acknowledge new terms and conditions, here is a paste of the verbage : " Not FDIC insured. 
No overdraft/credit feature. 
Contact us at XXXX, by mail at PayPal Inc., Attention : Legal Department, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or online at paypal.com/us/smarthelp/contact-us. 
For general information about prepaid accounts, visit cfpb.gov/prepaid. 
If you have a complaint about a prepaid account, call the Customer Financial Protection Bureau at XXXX or visit cfpb.gov/complaint. 
By clicking Agree and Continue, I can confirm that I have read and agree to the PayPal Cash Terms and Conditions. '' I attempted to call the Paypal " legal department '' at the phone number mentioned in the disclosure. It is not a phone number for the legal department : it is a general Paypal number where you must give them your social security number, your phone, number, and other identifying information before Paypal told me that I can't talk to the legal department, maybe they can help me, etc.

There are many misrepresentations, false/deceptive advertising, and bait and switch tactics involved in this process. Paypal represented to me that I could get a paper check and " all I had to do was open an account '' and click a button.

After insisting that I be allowed to speak with someone who can help, Paypal very quickly managed to " request a paper check '', and " There it's done '', and " It should arrive in about two weeks ''. Two weeks? Seriously? Are they working the float on my money? This is outrageous : no FDIC bank would be allowed to get away with this-so why is Paypal allowed to get away with it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$500.00} not mine XXXX XXXX XXXX {$1700.00} not mine INQUIRIES XXXX/XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized XXXX XXXX XX/XX/19 unauthorized
Product: Payday loan, title loan, or personal loan

The interest is very high and almost unmanageable with my fixed income. I did send XXXX XXXX a copy of my Award letter.

The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
Product: Mortgage

The company I'm contacting you about is LoanCare ( www.myloancare.com ). They're my mortgage company. 

I changed homeowners insurance companies effective XX/XX/2021. Loan Care sent me a letter dated XX/XX/2021 that only reached me today. In the letter, they stated that they had paid both my current insurance company as well as my previous one. They also stated that I'd be responsible for " catching up '' the insurance escrow on my home. 

When I called to make my mortgage payment today, they'd jumped the monthly payment up by over {$700.00} in an effort to get me to pay for their mistake. 

I also called my previous insurance company and they stated that they had no record of receiving any payment from LoanCare. This is fraud and it's horrifying because this mortgage company has the ability to foreclose on my house. 

I'm trying to work on correcting this with LoanCare, but their computers are - as usual down - and hold times are over 90 minutes. Help!!!
Product: Money transfer, virtual currency, or money service

Paypal learned about a scammer who defrauded me out of money for blantantly selling fake items from a XXXX account he hacked. 

Paypal did not resolve the conflict. Said money was transacted as " friends and family '' when I didn't choose that option. 

Even after receiving police report, Paypal still let the scammer keep the money even with stolen identity. 

Paypal is deceiving who it protects.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX FTC AFFIDAVIT # XXXX Subject : Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information. I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 

The fraudulent accounts in question are as follows : XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$27000.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : XXXX XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$17000.00} I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well. Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company to do a proper investigation of everything on my credit report and they did and stated everything was accurate. However, I did a thorough research and i found improper inaccuracies on my credit report even after they did a research on my credit report. 

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC1681 section 604 A Section 2 : It also states a consumer reporting agency cany furnish an account with my written instructions Here is a kicker : 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

It is to the law understanding that a late payment is a transaction and credit utilization is an experience information on your credit report when the law clearly states that its not included on a consumer report.
Product: Credit card or prepaid card

I use " Grain : The XXXX Credit Card '' app and I can not login to update and pay my bill. The app store has tons of reviews of the same issue, they sent out an email saying it was resolved but I still can't login. I have automatic payments but they disconnected my bank account. They are refusing to let me pay for my bill because there is no other way to access the account other than the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for its repeated failure to respond and investigate the discrepancies on my credit report. Despite multiple attempts to dispute inaccurate information, I have not received a satisfactory resolution from TransUnion. 
The items in question that I have been disputing are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX and XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Additionally, I have been disputing inaccurate names and addresses listed on my credit report. My attempts to address these issues with TransUnion have been met with minimal response. 

For your reference, I have sent disputes to TransUnion on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, the only response I have received from TransUnion was dated XX/XX/XXXX, which stated, " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The Fair Credit Reporting Act ( FCRA ) explicitly mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine accuracy. TransUnion 's failure to undertake a reasonable investigation upon receipt of my dispute is a violation of my consumer rights under the FCRA. 

Enclosed, please find a copy of my dispute letters sent to TransUnion and their response from XX/XX/XXXX as proof.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I al
so request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022. Someone went into XXXX XXXX in XXXX XXXX CA. They opened another account in my name. Now I'm stuck trying to pay off the merchandise I never received or applied for. This company Acima everyone complains about. Also I heard some of their employees took people 's identity and used it. I'm just trying to figure out a way to pay them back so that it's doesnt go against my name or credit.. I'm already financially strapped for cash. So if there is a way for this to be resolved I'm willing to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give authorization for XXXX XXXX  to do Hard Inquiry on me and looks like its was also done twice on the same day.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from the bureaus. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Public Record : XXXX XXXX bankruptcy Ref Number : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

They deleted these accounts and reinserted them without notifying me, which is a violation of the law they have to notify me 5 days in advance. these accounts were opened fraudulently and are on an identity theft report, the accounts are XXXX Bank # XXXX, XXXX XXXX XXXX CO # XXXX, and XXXX  # XXXX The 3 accounts do not belong to me.
Product: Debt collection

On XX/XX/XXXX I cancelled my account with XXXX XXXX. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached ). 
On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency. 
On XX/XX/XXXX I paid {$400.00} to XXXX via their online system. On XX/XX/XXXX I paid XXXX {$1000.00} via telephone and was told my remaining account balance of {$38.00} for the 3rd phone would remain in XXXX collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. On XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. 
I did not receive any further bills/notices from XXXX after the final payment I made on XX/XX/XXXX. I also did not receive any notice from the collection agency Diversified Consultants until XX/XX/XXXX, which is months after it was reported on my credit report in XX/XX/XXXX and the dates on my credit reports are also discrepant. The amount being reported on my credit report is {$600.00} with XXXX with an assigned date of XX/XX/XXXX and a delinquent date of XX/XX/XXXX ; {$600.00} with XXXX with an assigned date of XX/XX/XXXX and delinquent date of XX/XX/XXXX ; and {$600.00} with XXXX with a placed for collection date of XX/XX/XXXX. 
My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my XXXX report. I do not owe the {$600.00} or any other amount to XXXX or Diversified Consultants because my debt to XXXX was paid in full on XX/XX/XXXX. 
I disputed the collection/debt on all 3 of my credit reports in XX/XX/XXXX and Diversified Consultants refused to remove the collection/debt from any of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I never applied for an installment loan with this company. I was charged XXXX dollars on XX/XX/2022, I've recently tried to dispute this item off of my account but somehow they have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

From outset of lease in XX/XX/XXXX, we repeatedly tried to have XXXX XXXX debit our account for the monthly lease payment. In XX/XX/XXXX, we sent XXXX the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated XXXX had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting. 

Driving 50 mile round trip to the XXXX facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile XXXX notified us that we had to pay 100 % of the remaining lease immediately. 

Although the matter was finally settled, XXXX reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to XXXX appealing this unjust treatment only to receive a reply from them refusing our appeal.
Product: Checking or savings account

XXXX  XXXX stoped payments for weeks claimed benefits. As they usually do. Fifth third bank closed my checking account due to financial debt as resulting. XXXX XXXX released payment to said checking account after verifications and such. Fifth third bank wont tell me where my money went. Also say I owe them money. Year 2021 XXXX thru XXXX XXXX  benefits. I verified identity with multiple entities often enough to cause identity issues due to verification of the persistant problem of getting any answers. I at my wits end and already filed taxs that year. Like an XXXX, I did not notice a couple grand i claimed that year in my federal return causeing greater issue.