23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My personal information was compromised in data breaches involving XXXX, XXXX, Equifax, XXXX, and XXXX in XX/XX/XXXX. These companies disclosed the breaches in XX/XX/XXXX. Additionally, the public record information that XXXX provided to XXXX, XXXX, and Equifax was incorrect, including errors in my name spelling and address. 

I took action by sending letters and a copy of my driver 's license to address these inaccuracies. Under the Fair Credit Reporting Act ( 15 USC 1681 ), which governs access to consumer credit report records, accuracy, fairness, and the privacy of personal information are required. I am requesting that my credit reports be wiped clean to ensure the accuracy and integrity of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX Transunion XXXX must remove all information reporting from and relating to ( XXXX XXXX account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Product: Credit reporting or other personal consumer reports

I notified Equifax and XXXX XXXX XXXX  of the Idenity theft complaint to Remove and block all fraudulent accounts and relatable inquiries to these accounts.

My complaint was not resolved under the FTC guidelines and laws.

15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reports2.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. I thought this was the day trader willing to give me training and invest my money. This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached XXXX. I sent a total of XXXX dollars to the website https : XXXX  using the bitcoin wallet address XXXX. I was told I will receive my money back in 72 hours. I then came to the conclusion he was not the real " XXXX ''.
Product: Money transfer, virtual currency, or money service

I was sent money through PayPal with different people on XXXX XX/XX/2019 of about {$230.00} and on XXXX XX/XX/2019 I was sent {$13.00} totalling to {$240.00} and PayPal denied me access to withdraw the money from my account. At first I withdrew the money and they denied me access to my account for 5 days and after the 5days they blocked my account for 180 days which is not fair at all.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX I had an account review done with paypal. We submitted the necessary information in XXXX and were quickly cleared. A few weeks later we had another account review notification asking for the same information. After the holidays I called paypal a few times to confirm why they needed the same information right after we just submitted it. The representative I talked to thought it was a " mistake '' and there was no reason for them to be looking into it again, she stated she would escalate it to see if it could be removed. The very next day i woke up to a 20 % rolling reserve and most importantly {$15000.00} of money on hold as a reserve as well. This is an absolutely egregious abuse of power and terms. Doing this with no warning could sink many small businesses. We do about {$15000.00} a month in sales through paypal so withholding the {$15000.00} on top of the 20 % is unacceptable. 

I have asked them to resolve the hold multiple times but I just get the same automated answer about why they put in reserves and what on our account made them do so. 

At this time I have tried to urgently urge someone beyond the customer support team to talk to me but I can not get through to anyone with any decision making ability. I am now left to just try to close my account but I can't even do that because paypal customer service agents can not and will not give me a timeline of the release of funds if I do close the account. Some have said it could take 60days, some say 180 days but don't even tell me from what date.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 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 in those accounts 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 may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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
Product: Credit reporting or other personal consumer reports

The account was paid in full and it is still being reported to the credit bureau as owing the full amount and being delinquent. i disputed the information with each credit bureau and all XXXX came back as accurate despite me providing court documents and letters from the mortgage company stating the loan was paid in full.
Product: Checking or savings account

I had a furniture company try to withdraw money out my account 6 times causing 6 {$35.00} fees on top of the NSF fee the bank charged me an additional {$35.00} per fee. My account went negative over {$260.00} dollars because of this. Because I make little money I was unable to get the account out of bad standing and the account went into collections. Wellsfargo just took everything out of my good standing account to cover the balance of the outstanding account and I have. They are unwilling to work with me and now I have -XXXX in my account. I have XXXX small children and no funds to feed them. This is just wrong. Please see what you can do to help me against these unlawful practices.
Product: Credit reporting or other personal consumer reports

CashApp ( Block , Inc f/k/a Square , Inc ) sent us a 1099-k. I do not have a CashApp account and never had any dealings with this company. I never received any monies thru cashApp for them to generate a XXXX. When I called to inquire why they sent a 1099k, they ignored my request and asked me to consult a tax expert for an issue they created. This is a obvious case of fraud which seems to be prevalent with this vendor ( I did an internet search on this issue ) They did nothing to even inquire about what this is about and didn't try to even look into the potential fraudulent activity taking place and is allowing the fraudulent activity to knowingly continue. The are blatantly violating consumer privacy laws and knowingly enabling fraudulent activity to continue. NOTE : As far as documentation is concerned, I have the 1099K which I can provide but it contains the last XXXX digits of my SS #. I prefer not to attached it but If you need it, I can provide.
Product: Checking or savings account

American Express allowed a hacker to access my savings account and change my password thereby locking me out. The hacker then changed my email to their own and I no longer received statements as AMEX then sent them to the hacker not me. I did not find out about this until XX/XX/2022 when I tried to access my account as I needed my money for upcoming bills. When I tried to access my account, I found that my password no longer worked, and I was locked out of my own account. I IMMEDIATELY called American Express and we determined that my account had been hacked as per above. The hacker opened an account in my name and then transferred all my money into this account and then subsequently into his own at account XXXX XXXX XXXX. AMEX promised they would have this all resolved within XXXX - 10 days and if not the money would be replaced into my account until they have so I could pay my bills in the meantime. Their own website states that account holders are only responsible for the first {$50.00} if unauthorized transactions are reported within XXXX business days after learning of the loss, which this clearly was ( as it was reported to the listed AMEX phone number within XXXX minute ). It has now been over XXXX XXXX weeks, and AMEX seemingly has still not made any progress or honored their commitment after numerous calls by me and numerous unanswered calls/voice mails..., leaving me with a list of bills to pay and no readily accessible funds to pay them with. When I do get through to someone, they tell me how small the AMEX fraud department is, and that they are just overwhelmed with fraud complaints and that they will eventually get to mine. I must say that their representatives have all been very kind and seemingly understanding on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter stating to review my credit report because there is incorrect information on my credit report and due to the incorrect I would like the account removed they responded saying that they will not investigate and that I would have to go to the original creditor myself even though the law states that they have to investigate the accounts the account are This Account needs to be removed Immediately Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Student Loans Balance : {$0.00} Past Due : {$0.00} Date Opened XX/XX/XXXX Account Status : Account transferred to another office High Balance {$0.00} Limit {$0.00} Terms 120 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

I have proof that this is incorrect and I will want this all these account deleted I will attach the date the account was opened and when money was disbursed
Product: Mortgage

XXXXThis is my number which has the wrong bank name on it. I was never a customer of XXXX XXXX XXXX, that was my mother 's bank which I was writing about. 
Select Portfolio Servicing Inc. Account number XXXX is the bank at this moment. My home on their BPO is worth about XXXX. I have a deferred amount of XXXX, XXXX that is supposed to be paid back in 25 years. Which is not what I was told by XXXX on XX/XX/2014 This deferred amount was to be removed from the mortgage amount. XXXX, who had a suit won against them, sold my mortgage to XXXX who then sold it to Select Portfolio Servicing Inc . Somehow after speaking with XXXX, XXXX and Portfolio Inc. The documents for my deferred payment forgiven has been lost or somehow not attached to my file. The bank got a bail out and I am still stuck with a mortgage of XXXX and the house is worth only XXXX or less. Now Select Portfolio is saying I can get help through XXXX a new program that will give me XXXX to move. So why would I leave my home for XXXX when I have a mortgage payment of 2 %. If they are right they would remove the XXXX deferment
Product: Credit reporting or other personal consumer reports

Experian 's own website says this company is not telling the truth once again they stole 17 months of on time never late payments to XXXX and refuse to put it back but keep pushing loans and credit cards saying this will raise my credit score, THIS IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the XXXX data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.
Product: Credit reporting or other personal consumer reports

I was onXX/XX/XXXX for basketball everything paid for I didnt take out no loan for books school supplies nothing I did and got all my info studying online and I finished the school and didnt fail no class when I finished they still charged my XXXX on my credit report that I dont owe and its messing up my credit score and not being able to get funding for my business and llc
Product: Debt collection

My son, with me as a co-signer, rented an apartment from XXXX until XXXX. My son vacated on XXXX and, after a walkthrough, both parties agreed on a cleaning fee and a small amount for damages. Legal possession was given back to the landlord on XXXX. The company refunded our security deposit on XXXX for the agreed upon amount which included the cleaning fee and the small amount for the agreed upon damages. 

Inexplicably, in XX/XX/2020, they added charges after they refunded security deposit and double-charged for items they had already deducted from the security deposit ( and actually charged more for said items ). They never sent a bill or any notification out for the additional charges ( because they knew that was going to be contested ). So, what they did instead is send the old account to a collection agency 8 months later. As soon as it hit my credit report approximately on XXXX - which is the first time I learned of any purported charges - I contacted both XXXX at XXXX. He did not respond but my son received a ledger randomly. Once I reviewed the ledger, I emailed XXXX as well as Hunter Warfield and neither has responded. That second email was sent on XXXX. 

So, I am having to waste time disputing with each of the credit bureaus this account and am reporting them so that they dont do it to anyone else. Because they rent to college students, it concerns me that this may be a pattern or practice of adding charges after a security deposit is refunded, refusing to respond, and negatively impacting a student ( and the co-signing parent ) credit.
Product: Credit card

I rented a car with an XXXX rental car company by the name of XXXX XXXX XXXX through XXXX for four days XX/XX/XXXX through XX/XX/XXXX. I paid in full through XXXX. I returned the car as planned on Friday XXXX XXXX at XXXX XXXX  at the designated XXXX airport lot. I filled the gas tank at the airport XXXX XXXX  before returning the car. I parked the car in the XXXX XXXX XXXX half of the lot ( shared with XXXX ) and gave the key to the employee wearing a XXXX XXXX shirt. He said that it was OK and they would email me my receipt. My wife and I then took a flight from XXXX to XXXX at XXXX XXXX. The next day I flew to XXXX XXXX. They have not emailed the receipt to this day. Instead, they claimed that I had not returned the car and charged me an additional day of rental. I reached out to them, they told me that they would investigate what happened, but haven't gotten back to me with an answer since then. I disputed the charge with my credit card company ( Chase ) but they said that unless I had a receipt proving that I returned the car they could not help me. So, I am caught in a XXXX situation. The merchant is not responding and my credit card company is not willing to help. I am attaching the XXXX credit card statement showing the gas charge on the XXXX at the XXXX XXXX  gas station, the XX/XX/XXXX credit card statement showing the rental charge with XXXX, and a statement from XXXX XXXX confirming that I flew to XXXX that day, and my initial booking from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent off letters to Equifax, XXXX, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX  XXXX & XXXX.