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

PayPal credit. 6 months interest free account. I have a account and have been with PayPal from the beginning in XXXX. I signed up for PayPal credit when it first started up. Problem is the payments I have been making go towards to total amount due and not the oldest purchases I made with a 6month interest free. so the oldest accounts never get paid off on time and interest is charged. I have acumalated several tousands of dollors in interest and no matter what I pay it just keeps going up. When I was making purchases on XXXX PayPal credit was paying for my purchases Evan if I have more than enough in PayPal ballance to cover the purchase. In XXXX I was charged {$990.00} in interest for the year. This year alone almost {$400.00}. my payments now are only covering interest charged. I talked to 3 agents going up the ladder to the top overseer and he attempted to baffle me over with why and when and company policies. he kept apologising over and over and that, as i told him, was admission of wrong doing.
Product: Debt collection

I was not presented any information in what was owed or information showing that it was me. No name, social, address, or contract stating or showing proof that it is me that owes for the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I fell behind on a car loan with USAA and the bank froze my access to my checking account. I had no idea what the balance was and it led to a number of insufficient funds charges. I saw this article this morning XXXX and after reading this article, I believe this is what USAA did to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES APPEARING ON MY XXXX, TRANSUNION, AND XXXX! 

XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX-XXXX  XXXX
Product: Credit card or prepaid card

I had a transaction on XX/XX/2020 in the amount of {$51.00}. The merchant agreed to refund the charge. The refund never was applied to my account. I had no choice but to file a dispute. I provided a copy of the merchants email stating they will refund my money. Comdata told me I must wait the 5-7 days. I waited the 7 days. I was told by comdata to file another dispute again. Now I have waited more than 10 business days. Comdata supplied me an email stating they have posted the {$51.00} provisional credit today. They never did post that to my account. They flat out maliciously lied and are trying to test my knowledge. They are very un compassionate and rude in this regards. Now they are telling me I need to file another dispute ( which would be the 3rd time for this same transaction ) I will attach emails from Comdata
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX  DELAWARE XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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: Mortgage

My wife and I began the process of purchasing a new home with XXXX XXXX in XX/XX/XXXX. During our initial and consequent visits, we made it clear to our sales representative XXXX. XXXX that it clear that we not in a rush to move but we loved the development. We eventually decided to purchase to get ahead of the process with an expected closing date of after XX/XX/XXXX around XX/XX/XXXX. The day we picked the house, it was casually mentioned to us that we have to make a down payment based on 5 percent of the selling price instead of a preapproval letter as a way to get our skin in the game. 

When we got home that Sunday evening, we received a email to make a {$6000.00} payment that was due in 24 hours and to XXXX some paperwork which we did. Next we realized we were expecting a baby and decided it will not be prudent to make a huge financial commitment with a baby on the way and my wife expected to work less. Our saleswoman XXXX.XXXX gave us a hard time even though at that point her manager did not sign the sales contract yet. She was convieniently off grace period for us to cancel the contract was over. My wife lost our baby on the same day. After which we decided to continue purchase the home. Fast forward, in our excitement, we signed other documents that moved our closing date to XXXX. We explained to Sister company ( NVR finance ) that we needed a later closing date so we not have to pay a {$2000.00} rent for our apartment since our lease is over in late XXXX. We have not received a response but we expect huge financial implications. 

In this day and age, I am surprised to see a notable business take advantage of your trust and excitement. So far, the process has been a nightmare. The lack of compassion, manipulative culture is pervasive in both the XXXX XXXX and NVR mortgage. I hope our example can help others. Hardworking educated people like my wife and myself who work 10-12 hours a days, 6 days a week would not have thought it will happen to us but it did.
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 XXXXXXXX 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

They aren't investigating my disputes at all. They refuse to investigate them. 
I have sent multiple police reports and cfpb fraud affidavits concerning all Department of Education XXXX accounts for years. They will not investigate my disputes. They only quickly say verified. Now their are accounts that say XXXX. I have no accounts with them. You cant verify fraud. You cant verify accounts that arent mines. I have sent multiple account disputes concerning these student loans. I have no student loans. Ill keep disputing these accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity under 15 USC 1681. The accounts bellow have violated my rights.

15 USC 1681 section 602A, States I have the right to Privacy.

15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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 -XXXX XXXX XX/XX/XXXX Equifax -XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name | Account Number XXXX XXXXXXXX | XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$940.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on TransUnion is XX/XX/XXXX and XXXX is XX/XX/XXXX . The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.
Product: Checking or savings account

On XX/XX/XXXX I received, in the mail, an envelope from Suntrust bank containing a Suntrust debit master card along with a separate envelope containing a pin # for mentioned card, apparently for an account that had been opened with my name and address. On XX/XX/XXXX I received 9 more envelopes from Suntrust bank all containing welcome letters along with checks and/or deposit slips for 9 different accounts opened with my name and address. These included 3 advantage checking, 3 advantage money market savings, and 3 essential savings accounts. I have NEVER done business with Suntrust or BB & T banks. 
I called Suntrust customer service on XX/XX/XXXX to be connected with their fraud department in order to report the first mentioned account as just that, fraud. I then checked my credit report with all 3 major agencies and noticed on XX/XX/XXXXreport that Suntrust XXXX Florida had done a soft inquiry on XX/XX/XXXX. When I received the other 9 envelopes the next day, I called back XXXX XX/XX/XXXX XXXX to report and inquire. They would only tell me that the accounts were opened online and they would investigate and close all accounts in my name.
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. 
XXXX  XXXX XXXX account ending in XXXX, XXXX XXXX  Account ending in XXXX, XXXX XXXX XXXX account ending in XXXX has violated my rights. 

I looked at my TransUnion credit card report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$4800.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I've been keeping a close eye on my credit report and noticed that some errors and misleading information about my accounts aren't even close to being 100 % accurate, as they should be. This has really hurt me and held me back for quite a while now. It's impacted my life in so many ways, and I need the CFPB to step in and make sure these mistakes are corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I keep getting a class from a number who says I owe a debt for a bank account. When I tried finding out information about the debt the man that I spoke to was rude and literally hung up on me, all he said is it was a bank account and would n't give me any details as far as amounts. A few days later I received another call and was hung up on because I explained I was n't comfortable giving out my personal information ( including my social security ). They refused to give me any information, including giving me their mailing address to verify that they are a legit organization so I can verify if the debt was mine. 

I tried researching them to on-line and I was n't able to find anything based on the phone number they called from.