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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX - {$800.00} - XXXX  Account Name : XXXX XXXXXXXX Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXX  Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXXXXXX Account XXXX - {$2500.00} - XXXX Account Name : XXXX XXXX Account XXXX - {$2800.00} - XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX {$16000.00} - XXXX Unauthorized Inquiries : XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake of banning or closing my Paypal account. I am a freelancer and i chose Paypal as one of my payment options. My Paypal account is aged for over a decade now and it is a kind of embarrassment. 
I want my Paypal account restored so i can continue my business transactions.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. Please see the attached file. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to get my account cleaned up and they haven't responded as of yet. I sent to them the US code 1681 chapter 111, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had instructed and reverified online that I declined Overdraft Protection with TD bank so no person or company can take funds below {$0.00}. TD still withdrew the funds of {$74.00} on XX/XX/year> making the checking account negative ( plus min balance fee ) .The customer rep said that its just pending, but they withdrew the amount anyway. The amount originated from a ridiculous shipping overcharge by XXXX.
Product: Credit reporting or other personal consumer reports

XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consume. 


HERE IT CLEARLY STATES AND THIS IS LAW ACCORDING TO 15USC 1681B ; THAT ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; COURT JURISDICTION, SUBPOENA, OR IN ACCORDENCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER! 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX These are THREE accounts on my credit reports.

TO ALL THREE CREDIT REPORTING AGENCIES PLEASE EMAIL ME A COPY OF THE PAPER WITH MY WRITTEN INSTRUCTIONS GIVING MY PERMISSION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORTS!
Product: Credit reporting or other personal consumer reports

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

I have got credit cards from other companies that gives me more than twice the limit AMEX provides me with. But I still use Amex credit card at all times. So I would expect to get appropriate customer service from Amex if and when I call Amex. I called AMEX from XXXX on XX/XX/19. The customer service representative was XXXX, ID XXXX. The representative refused to provide service to me over the phone. Listen to that call and get back to me with the either resolution I have asked for.
Product: Credit reporting or other personal consumer reports

I am formally requesting Transunion to block an inaccurate, invalid, and fraudulent bankruptcy public record from displaying on my credit report. This bankruptcy was not initiated by me ; it is a consequence of identity theft. I urge Transunion to eliminate this false bankruptcy entry promptly. 

Transunion has stated that I have not provided sufficient identification to proceed with the bankruptcy dispute. However, I have sent copies of my identification and the FTC identity theft report to Transunion via USPS certified mail multiple times in recent months. I am attaching the necessary identification documents to this message, along with additional evidence, to prevent any further complications. 

In the past, Transunion asserted that the bankruptcy had been verified as accurate, despite my repeated explanations that it is a result of identity theft and not filed by me. Despite providing substantial documentation and evidence to support my claim, Transunion has failed to remove this inaccurate and fraudulent bankruptcy record from my credit report. 

Transunion claims to verify records using XXXX XXXX as a source, but my credit report with XXXX XXXX has been frozen, thus preventing any information from being shared with Transunion. This clearly indicates that Transunion 's verification process with XXXX XXXX is flawed. I urge Transunion to promptly rectify this error and remove the fraudulent bankruptcy record from my credit report.
Product: Credit card

I want to express my disappointment with PayPal Credit and worried that they have my personal information with their horrible record keeping system. After about 4 months of going back and forth about my application. I was originally denied in error back in XXXX, but after I called to clear this up they submitted a manual applciation. Ever since then it was diificult reach an operator who would give me an update of this " manual application. '' Today I basically felt I was brushed off by a PayPal Manager and the Supervisor, XXXX XXXX, who just wanted me to go away and stop bothering them about this application that everyone told me was pending. They now tell me it was no approved but that it was for Credit reason, even though I was never informed, even though every operator I spoke to since XXXX has told me they will inform me by email and a phone call. 
Now I see that I was never going to be informed. I usually have an extremely high credit score, so I do not understand the reason for being denied for " credit reasons. '' I felt worthless by these operators, Manager, and Supervisor of PayPal Credit. 
I always tried to be understanding and courteous, giving plenty of days/times for them to get back to me on my application. But I was no met with the same respect. Being told by phone that my application was straight out denied after 4 months, with them submitting about more XXXX applications after XXXX taking my S.S. and income for nothing. And apparently I was never going to be informed, I had to call, again, to get this disappointing news. 
This has left me to believe a completely negative aopinion of how PayPal credit works, how their applications are run, how they hurt my credit score, and I am worried that my informaiton will be leaked by fraud with their weak record keeping. 
I hope this is addressed. 
Thank you
Product: Credit reporting or other personal consumer reports

15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax
Product: Credit card or prepaid card

On XX/XX/21, I needed to find the value of a motor home. I did a XXXX search and ended up at a website ( XXXX XXXX. The only charge shown on the website for a vehicle search was {$1.00}. So, I entered my credit card number and requested a search history. I received a search history but no receipt for the {$1.00} or any other amount. When I received my credit card statement ( CitXXXX XXXX XXXX XXXX  I noticed a charge for {$1.00} and also a charge for XXXX from XXXX. Both were charges from this website which I had never been to. On that same statement was another charge for XXXX from XXXX ( another site I had never been to and gave no credit card information to ). I called the credit card company and was told the charges were monthly charges. I told the credit card company that these was a fraudulent charges and a fraud case was opened. XXXX submitted paperwork and receipts to the credit card company that I was never sent. Because of this documentation the credit card company found in favor of the merchant and then shared my card ( a new card ) information with the carrecordseach.com so they could continue to charge me XXXX a month. I then made several calls to the credit card company with some agents listening and trying to help, some being less helpful and one just hanging up on me as I was relating my number. I was finally told the XXXX monthly charge was not fraud as I gave them my card number. It was a billing dispute ( apparently they can charge whatever they want and it's not fraud if I give them my number ). As of now the XXXX charge is a disputed charge and the XXXX charge is still looked at as a fraudulent charge and another new card is coming that will not give my number to the merchants. Now the website XXXX gives people the choice of XXXX a month and looks legitimate. In fact, looking at how these sites are rated - both XXXX and XXXX  have good ratings. However, the site I went to XXXX had no rating. My issue here is that this should have been treated as fraud as a merchant should not be able to charge any amount they can once they have your card number. Treating it as a billing dispute sends no message to the merchant that something improper was done.
Product: Debt collection

I was a XXXX XXXX customer for about 5 years then in XX/XX/XXXX I sold the house and moved into my parents home until we could buy a house I contacted XXXX XXXX to close my account out then about 2 months later I started receiving bills for disconnecting early I told them that I have been a customer for 5 years and that I had sold the home which had the service they said they would take care of it. then I started getting collection letters from a debt collector for {$240.00}, So I called XXXX XXXX asking why am I getting these letters they said it was turned over to a debt collector, So my information was illegally obtain by the debt collector. I told them I sold the house and no longer needed service there so they tried to get me to move my service to my parents house I told them my parents had cable and they said that since I didn't transfer my service I owe the debt. We purchased a home in XX/XX/XXXX the collections was still on my credit report but had been removed from my experian credit report. I hear about this action all the time but never told I would be part of it. So the damage is already done but my report should be corrected.
Product: Debt collection

I received a letter on XX/XX/18 that I owed {$670.00} to a XXXX company. I had no idea what this was until I XXXX the name. Its a satellite internet company. The address on the letter was not my address and I have never had satellite internet where I live. I then sent a debt validatation letter through certified mail on XX/XX/18 with a return receipt that was accepted on XX/XX/18. I still have not heard anything and we are in the end of XXXX. I am concerned because this is not my debt and this company refuses to give me proof. From the laws and speaking to my attorney they had 30 days to respond. It has almost been 90 with no  response.
Product: Checking or savings account

I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged in to make a purchase on my XXXX XXXX credit card. I had a XXXX balance. I have diligently paid my account on time every month. When logging in a find out they had reduced my credit limit with no notice and for no reason what so ever.
Product: Credit reporting or other personal consumer reports

After much due diligence and consideration, Im filing a last and final notice of violation of my FCRA, FDCPA, and FTC rules and statues..In the form of phone calls, disputes, and complaints. Ive made EQUIFAX as well as XXXX, more than aware of, first negligence, and then malicious intent, to both allow, as well as, further the abusive and fraudulent reporting of information on my credit report ; causing defamation to my creditworthiness, as well as injury to my personal and business ventures and life. For XXXX XXXX XXXX XXXX EQUIFAX and XXXX has both propagated false testimony and evidence of debt and credit practices. By allowing XXXX XXXX XXXX, a company that from the beginning has reported a closed charged off status. For XXXX XXXX XXXX XXXX  both companies allowed this closed charged off account at {$180.00}, allowed said account, to accrue a monthly balance in the form of XXXX dollars, monthly. XXXX, in the beginning, as well, allowed and propagated, this fraud. But was made aware and immediately ceisted and and desisted from fraudulent reporting. As for EQUIFAX and XXXX, they made every attempt to delay and hide their fraudulent reporting ; and allowance of abusive tactics of companies attempts at absconding from FAIR DEBT COLLECTION PRACTICES. This particular complaint has never been an issue of IDENTITY THEFT/ FRAUD ; except in the regards of said companies. Both EQUIFAX and XXXX in their attempts to delay and hide their fraudulent and unethical reporting, inserted and furthered statements of PAST DUE, IN COLLECTIONS. To EQUIFAX, reopening said closed and charged off account, to have a current status of open and late on XXXX payments ; causing me tremendous injury. Upon calling EQUIFAX, immediately, I was met by a XXXX, by the name of XXXX, who attempted to further EQUIFAXs fraud, until met with statues and codes of the FCRA and FDCPA ; which he attempted to pervert, until met with true stature. He admitted on recording that EQUIFAX was infringing on my rights, while investigating a dispute, adding abusive statements and reopening said account. This has been ongoing for XXXX consecutive months with no accountability or resolution. XXXX EQUIFAX again denied my dispute about said fraud and inaccuracies.
Product: Student loan

I've been on IDR through Navient for my FFELP loan from the University XXXX XXXX. I want to know when XXXXXXXX XXXX IBR payment plan will be paid off. When I update my income, it keeps extending my payoff date another year. Every time I call Navient, I get different answers. I'm afraid to consolidate loans as I don't want to start the loan process all over. Very discouraging. I never talk to the same person at Navient ; I consider myself lucky if I can even understand the person on the other line of the phone. Student loan has been a never-ending nightmare
Product: Credit reporting or other personal consumer reports

XXXX a magazine subscription company called me and let me know I had one a trip. All I had to do was sign up for a subscription to get said trip. I signed up and realized that this was not the case and cancelled it 4 months in after realizing this was a scam and I was never going to get said trip. I called and cancelled and also gave the company a complete rundown of how terrible this practice was. Being XXXX I fell for it. 

I received a collection for {$870.00} on my credit in XX/XX/XXXX. I called the company because I had no knowledge of the debt. The creditor gave me the original creditor information and I realized just as many others they had not cancelled my subscription and are now trying to come after me for said payment. I have no received any of these said magazines, bills anything since XXXX. 

I have reported this company to the FTC for fraudulent business practices. I have seen many open online about this same company scamming others as well. 

I want this account removed as it is very obviously fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX XXXX BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.
Product: Debt collection

Upon closely inspecting my credit report, I identified several unauthorized accounts that seem to have been added without my knowledge.
Product: Debt collection

This is not my account. I have no idea why this company is contacting me about this account. No knowledge at all. sent company a letter
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or affiliation with and would like to have these accounts DELETED from my credit IMMEDIATELY