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

PAYPAL Ive had my PayPal account for over 5 years. I decided to use my PayPal account to start receiving my online workshop admission during this pandemic. 

I had a large total coming in, {$4000.00} of my money PAYPAL decided to place on hold for 180 in case fraud or in case some one decides to request a refund. I was okay with that. XXXX XXXX XX/XX/2021, XXXX was made. Time for me to get my money back. PAYPAL decided to not help with transfer of my funds ( cant add new card or new bank information ). PAYPAL blocked my calls as well, No reply to emails. Im reporting PAYPAL because theres so many others in the same situation. PAYPAL, holding money or funds with no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to all 3 credit bureaus XXXX, TRANSUNION, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : 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: Money transfer, virtual currency, or money service

XXXX XXXX in dollars to a Chase bank account that was part of a scammers bank account. The total loss I have been scammed out of is {>= $1,000,000}.
Product: Consumer Loan

Toyota Financial Services ( TFS ) calls us incessantly from various outward-bound Call Centers using FAKE Direct-Inward-Dial Numbers. Furthermore, they are calling a distant family relation at : XXXX - which they have no right to do as they are not a party to the purchase contract. I would like TFS to CEASE AND DESIST all collections activity with my distant relatives ( XXXX XXXX ) and only communicate with my wife and I directly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ONEMAIN FINANCIAL XX/XX/XXXX, XX/XX/XXXX Hard inquires on my report that are inacurate, unauthorized, and need to be removed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts. 

XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 


Experian : 1. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX
Product: Credit card

I closed my secured account with capitol one on XX/XX/. They sent me a check in the mail for {$200.00} it got destroyed and I asked for another one and they said that they could not find my account and still owe me {$200.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. There are numerous accounts on my report that I did not open. This has negatively impacted me as I am in the process of making significant purchases. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting

Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered that Experian is reporting fraudulent account, the account is XXXX XXXX XXXXXXXX XXXX XXXX, with the account number XXXX, this account is fraudulent, I request immediate deletion of this account. On my Report I have witnessed fraudulent hard inquiries, these are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I REQUEST THIS FRAUDULENT INFORMATION TO BE PROPERLY REMOVED FROM MY CREDIT REPORT AS IT IS INNACURATE AND FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get approved for an apartment but I had hard inquiries from XXXX  XXXX that I didnt recognise
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a TPD application to the department of education ( Nelnet ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the US Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted Nelnet and explained my argument that a discharged loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of Nelnet and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a Discharged loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, XXXX
Product: Bank account or service

On XXXX/XXXX/2015 I applied online to open a Savings Account with American Express. Everything was fine until I tried to submit my account information from XXXX XXXX XXXX so that I could fund my new American Express account. I called their customer service number where they verified my name and my husband 's, our address, our Social Security numbers and our NJ Drivers License numbers. I was then told I would be asked a timed series of questions. I was asked when I lived in the XXXX area ( 16 years ago ) what county did I live in? I believe I answered that correctly " XXXX XXXX '' I was asked what county I lived in now? I answered " XXXX XXXX '' I think I was asked the nearest cross street to my present address ; I answered " XXXX. '' And then there were XXXX questions listing the names of XXXX streets in my town. I was asked each time to identify the name of the street that was located in XXXX, NJ. I could not answer either of them correctly. There were no more " identifying '' questions for me to answer.I requested the opportunity to speak to the Customer Service Representative 's supervisor. When I spoke to her she told me she could not help me! I would receive some communication in 5-7 days. 
This was ridiculous! I have resided in XXXX, NJ for 16 years ; I do not know every street in town. I am a XXXX ; I am XXXX! What happened to protecting my information? American Express now has my XXXX XXXX XXXX Account information and my SSN, as well as my husband 's. They also have our XXXX XXXX XXXX information. This was not a satisfactory experience. My application number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Trans Union.  They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. XXXX and Trans Union finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.
Product: Debt collection

THIS COMPANY IS CALLING ME 3-5 times every single day from multiple different numbers, they do not leave a message when I reject the call. Im an receiving 20-30 calls a week from this company.
Product: Credit reporting

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit verifies the debt sure the have my ss # and address that does not mean they can report an old debt.
Product: Mortgage

I have a mortgage with Nation Star Mortgage. They took over my loan from XXXX XXXX XXXX XX/XX/XXXX. I have never received a mortgage statement from them for the entire period of XX/XX/XXXX - XX/XX/XXXX XXXX. The XXXX mortgage statement was sent for XX/XX/XXXX. ( Please See Attached ) Nation Star Mortgage never sent me anything advising me that my interest rate was going to rise and go higher. The only way that I found out that information was when I received the XXXX mortgage statement which came as a complete shock to me. My mortgage payment jumped from being {$1100.00} with 4 % interest to {$2500.00} with an 8 % interest rate. The mortgage rate is set to change again as of XX/XX/XXXX. I found out this information by reading the XXXX mortgage statement. My original mortgage from when I first purchased my home did not include them keeping an escrow account for my property. I was responsible for paying my property taxes and my homeowners insurance without it being calculated in my mortgage. Now they want to keep an escrow account in my monthly mortgage payment. I have never received my annual mortgage tax document which tells you the interest to file for your yearly income taxes. The only way that found out this information was by calling in to Nation Star and speaking with someone verbally and they advised me the amount to claim verbally over the phone. But I never once have received anything in writing. I never received any documentation advising me that I was making partial payments toward my mortgage. I have never received any documentation regarding the funds and how they were being distributed that were being held in the mortgage escrow account or for my mortgage account with them period. I would like to stay in my home and keep my home with knowing that I will be able to afford the payment without being put out on the street because of some fraudulent mortgage company who wants to operate by their own rules and regulations. They are not operating on the government set rules and regulations as far as being a mortgage company and dealing with the public. Please Help ....
Product: Debt collection

I am writing to request the removal of the accounts in question from my consumer credit report due to violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). LVNV Funding, LLC has failed to comply with the following statutory requirements : XXXX. FDCPA Violations : Violation of 15 U.S.C. 1692g ( Validation of Debts ) : LVNV has failed to provide sufficient validation or verification of the alleged debt as required under this section. They have only provided statements from XXXX XXXX, which do not include my signature or any evidence linking me to the alleged account. Providing generic account statements is not a valid form of debt verification, as it does not prove my liability for this debt or that the debt is valid under federal law. 
Furthermore, LVNV failed to provide the required written notice wit

hin five days of their initial communication with me. Their first communication appeared on my consumer credit report, which does not satisfy the statutory requirements for proper notice. Violation of 15 U.S.C. 1692e ( False or Misleading Representations ) : LVNVs reporting of this alleged debt to consumer reporting agencies implies its validity despite a lack of evidence or proof of my liability. Specifically, 15 U.S.C. 1692e ( 12 ) prohibits the false representation of the status or legality of a debt. I have never admitted liability for this debt and continue to dispute it. Reporting a disputed and unvalidated debt misleads third parties and damages my creditworthiness.

XXXX. FCRA Violations : Violation of Accuracy and Fairness Standards : Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers of information are required to investigate and correct inaccurate or unverifiable information reported to consumer reporting agencies. LVNVs failure to validate the debt means that their reporting to credit bureaus is inherently inaccurate and misleading. 
Failure to Conduct Proper Investigation : When I disputed the accuracy of this information, LVNV had a duty under the FCRA to conduct a thorough investigation to ensure the account was accurate and verifiable. Instead of providing legitimate proof of debt ownership or liability, they sent incomplete and inadequate documentation ( statements from XXXX XXXX without my signature or agreement ). These documents fail to meet the standard of validation under both the FDCPA and FCRA. 

Request for Resolution The accounts reported by LVNV are unverified and inaccurate, violating both the FDCPA and FCRA. Given these violations, I respectfully request that these accounts be removed from my credit report to prevent further harm to my creditworthiness and to ensure compliance with federal laws. 

Thank you for your attention to this matter, and I appreciate your efforts in upholding consumer rights under the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such s my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within 4 business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXG XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting

I have been informed, that there is a public record reported by ( United States Bankruptcy XXXX, Eastern District Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy XXXX Eastern District of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an TransUnion representative, was your claim to verify information at the United States Bankruptcy Court XXXX District Of California. I have contacted the United States Bankruptcy Court XXXX District Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from TransUnion, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Product: Credit reporting or other personal consumer reports

I received a notification on my credit report indicating that my credit score dropped by XXXX points due to a collection account. I never received a letter or phone call warning me that this would happen, nor any prior notice. I called True Accord to inquire about this collection account the next day. The agency had no record of my personal information, including my name and address. Instead, they had incorrect information on file, revealing that the address listed was in XXXX, where I have never lived or stayed. The agency stated they would resolve the situation after I took a screenshot of the derogatory mark on my credit file and sent it to them for verification. I feel that the financial and emotional damage has already been done. My credit score was severely impacted, and my finances were affected the same day.
Product: Checking or savings account

Almost 2 months ago my wallet, phone, and keys were stolen from my car. The thief locked my car leaving me stranded and proceeded to go to the apple store which is several XXXX 's of miles from where I live and spent around {$5700.00} on my debit card, and XXXX on my credit card. I spend all afternoon getting a locksmith to come to break into my car and make a new key. Immediately I reported this as fraud and found out that the thief even called to raise my limit on the card. I was told that I would get a credit back in the next few business days. That never happened. I started calling Chase daily to check in and add as much detail as possible. because they would refuse to call me to give updates, I even went into my branch several times. I was told several times that I would receive my credit any day, until one day I called and was told the claim was denied. I asked them to appeal this case which they also denied and cited that because the person used my pin they would deny the claim. I was told I could get the case re-opened and that I would be able to add any evidence that I had. I found a camera where my car was broken into and found the thief breaking in, and chase has the call where the thief called to raise my limit so I also asked if I could use that. I was told no that chase would only accept physical documents. So I gathered my documents including 2 police reports as well as a receipt from the locksmith who had come to make me a new key AT THE TIME THAT THE THEIF WAS AT THE STORE WITH MY CARD. To prove that it could not have been me there. I was told that I had to fax this In, and again was calling every day to see if they had gotten it. They told me several times that they had not, and then when they finally said they got the additional evidence said that they will not be reopening my case and citing the original reason of the pin. So, CHASE BANK is refusing to see any evidence even though I have plenty that proved this was a fraud. They ended up refunding my XXXX dollars from the credit theft, but this only further proves that this was a fraud because they were used at the same place at the same time so how would it be possible that one of these charges would be a fraud and one of them would not. Shame on this bank and their service representatives.
Product: Money transfer, virtual currency, or money service

XXXX closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX quite frequently. My email linked to my XXXX is " XXXX ''
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an account passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX