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

Hi, I have been using paypal for my business transaction. My email : XXXX On the XXXX of XX/XX/2022. I had a payment made by an Artist who emailed me for playlist placement on my playlist. He paid a sum of XXXX $ via echeck ( according to paypal ) and the money showed pending in my paypal. ( eCheck details Amount : {$40.00} USD Transaction XXXX Note : Playlist placement, Payment details, Buyer : XXXX XXXX XXXX XXXX : Playlist placement ) I messaged paypal to ask why the money was not yet in my account, and in a few hours my account was limited and I was asked to submit documents I have submitted before, I tried to comply but I was locked out of my paypal account, I couldnt access paypal via the web. I could use just the app and in the app it was impossible to send pdf. I contacted paypal again asking how I would be able to send the pdf file ( bank statement ) which proves my identity and address. In a few hours I recieved another email saying my account has been permanently limited ( banned ) from paypal. I tried messaging via the message centre but it was closed. I couldnt contact paypal. I have done nothing wrong by recieveing payment for spotify playlisting services. I have tried to message them via XXXX  but there is no response. I was permanently banned on XX/XX/2022, XXXX XXXX. This is an unfair treatment because I hav n't done anything wrong. I have conducted buisness in a fair and legal way. Also paypal promotes buyers to scam me, because some artists after being playlisted and recieve streams, they claim they have not recieved streams and file complaints to get their money back after I have done the job. Since its a digital product, even if I send proof that this artists have recieved streams paypal always judge to the favour of the buyer leaving me at a loss. Please I want my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Accounts : XXXX - XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Vehicle loan or lease

Several charges were levied against us upon terminating our lease for a XXXX XXXX XXXX. These charges included {$180.00} and {$150.00} for scratches, which are legitimate and we agree to pay. One is for a termination fee, which is buried in the fine print and obscured between various schedules. We  feel this sort of fee is very deceptive and was not adequately disclosed. The worst part is they offer to void the fee if you sign another lease with them, or buy a new car from them. So, you are punished if you don't do business with them, it's extortion, or at a very minimum a highly deceptive and unscrupulous sales tactic impeding on our right to make our own economic choices. 
Nonetheless we did agree to pay it in our letter sent last month, if only to strike a compromise because of the situation below. 

The fees we are formally disputing are two {$120.00} charges ( plus tax ) for " excess wear '' on two tires. The problem with this is that our lease permitted XXXX miles, and we turned the car in with roughly XXXX miles, so if there was any " excess tear '' it was because of issues with the product they sold us, and not with our use of that product. 

VIN XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A XXXX late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/XXXX  balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting. 
Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 recently sent letters over 60 days ago to this bureau Transunion and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

After several attempts to get incorrect information removed from my credit report, I filed a complaint with XXXX. Since this complaint was filed, my credit score has dropped dramatically as these agencies have added older accounts that had a few late payments. These are older, outdated, and incorrect accounts. I'm assuming it's in retaliation for me filing complaints. That is so wrong in every way.
Product: Credit card

I mailed a check in XXXX for XXXX prior to the due date. I then received a {$30.00} bill in XXXX for late charges. I called to enquire about the charge. I have no control over the time mail takes. They stated they could " only '' take XXXX off. I agreed to pay the remaining XXXX and closed my account. I feel this was terrible customer service. I have now received a bill in XXXX showing I owe XXXX. I called again to enquire all these new charges. They said I actually owe them XXXX. I see no end to these fees and charges for they told me since I closed my account they do not have the ability to adjust any fees. I asked then how can you keep charging my " closed account ''? I feel this is terrible business practice and I need support. This company received there money in full in XXXX and now they are adding fees and charges for no tangible products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, disputed errors with Experian that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) 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 Experian Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card

I had a credit card with Discover and my daughter also had a credit card. They said they had to '' hold '' my account based some of the things that were asked ( again they were asking me questions that you get when you already have a credit card ). I already answered those question. My daughter was struggling to pay her billl so I would sometime pay it but I explained that to them but they continued to '' queston me about my account. I know do not have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. CLOSE THIS ACCOUNT. I AM PERMANENTLY XXXX DUE TO AN INJURY. ALL ACCOUNTS SHOULD BE CHARGED OFF AND CLOSED.
Product: Student loan

Navient  misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, PayPal permanently limited access to my account, which contained a balance of {$19000.00}. The reason provided was not explicitly stated, but I received communication indicating that PayPal would hold my funds for 180 days pending an investigation into my transactions. 

After patiently waiting until XX/XX/XXXX, which marked the completion of the XXXX hold period, The hold was lifted and the total balance was available for withdrawal, I attempted to access my account to withdraw the funds. Although the total balance was available for transfer on this date, I encountered difficulties in transferring the entirety of my balance out of the account at once. PayPal customer support advised me to transfer the funds to my linked card in sequence. Consequently, I was only able to transfer {$5000.00} to my linked card before PayPal locked the account once again and no information was provided on how to access the remaining balance of {$14000.00}. This situation has caused significant inconvenience and financial hardship as I am unable to access my own funds. I have attempted to contact PayPal customer support multiple times to resolve the issue but have not received any satisfactory resolution or explanation.
Product: Credit reporting or other personal consumer reports

Equifax Legal Department Account Name : NEBR  CHILD SUPPORT XXXX  Account Number:XXXX  Date : XX/XX/XXXX RE : Delete immediately in current litigation for Fraud. 
I rescind and revoke any and all authorization signatures previously given to NEBR CHILD SUPPORT XXXX  to share, transfer, assign and sell my private and personal identifying information to third party and non-afflitiates including CRAs. Fraud was committed on this account please remove immediately, due to pending litigation. 
Failure to comply with this demand may result in legal proceedings being initiated against Equifax and NEBR CHILD SUPPORT XXXX for fraud and misrepresentation for this account. according to FCRA 15 US1681-1 -Only can report on CRAs for ( 2 ) antedates the report by 7 years or less but opened in XX/XX/XXXX failure to comply with FCRA. '' Internal Regulations '' and " Business as Usual '' do not qualify as substantive legal defenses. However, FCRA does apply. Any attempt to malign account without a demonstrative notice of dishonor or certificate of protest will be treated as commercial slander. Only a written signed affidavit with a notarized signature will be accepted for value. I have attached Driver 's license and Utility bill for proof identity and not a third party or credit repair company. 
Thank you, XXXX XXXX XXXX Authorized Representative
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I submitted my complaint, and once again, sent a message saying they were " investigating '' and then sent an email saying it was " updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. 

I am submitting FROM THE COURT, on page 19, where XXXX  was listed for {$33000.00}. I am also submitting the FINAL DISCHARGE showing the mailing XXXX where they were NOTIFIED that the debt was discharged, and a copy of the final discharge showing that ALL STUDENT LOANS WERE IN FACT DISCHARGED. 

XXXX  CAN NOT sell a debt to XXXX 3 years AFTER DISCHARGE to try and collect, and XXXX CAN NOT add additional fees. NEITHER OF THESE COMPANIES can report this as PAST DUE OR COLLECTION DEBT!!!!! SEE ALL THE ATTACHMENTS. 

HOW MUCH MORE DOCUMENTATION AND PROOF does anyone need to show that what is on my credit report is false and unacceptable?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

Im reaching out because there seems to be an issue with my personal information in your system, and its becoming a real concern. Its frustrating knowing that outdated or incorrect details might be affecting my credit report. 

REMOVE PLEASE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.
Product: Credit reporting or other personal consumer reports

I filed a dispute for inaccuracy regarding the account listed below and pursuant to FCRA Section 611 Procedure In Case of Disputed Accuracy on XX/XX/2024, XX/XX/2024 via Experian 's online Portal and regular mail. 

Experian acknowledged receipt of my dispute and informed me that they would investigate. They were also provided with proof that the account has a XXXX balance. The dispute also asked Experian to explained how they verified inaccurately reporting late payments. 

Experian notified me that the item was " verified and updated '' even though the inaccurate information ( balance, late payments ) are still reporting : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 received a report from certegy. It states that I wrote a check to XXXX XXXX  for {$26.00} on XXXX XXXXThis is incorrect.I do not write checks to XXXX XXXXThis is an error.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding inaccurate credit reporting to the XXXX major credit bureaus ( XXXX, TransUnion, and XXXX ). Despite making timely payments on my XXXX XXXX  account, the following inaccuracies have been reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/2023 on XXXX, TransUnion, and XXXX 60 Days Late : XX/XX/2023 on XXXX, TransUnion, and XXXX These late payments are incorrect, as I have made all payments on time during the periods in question. I have attempted to resolve these inaccuracies directly with XXXX XXXX, but the incorrect entries persist across all three credit bureaus. 

Impact of Inaccuracies These inaccuracies have had a significant negative impact on my credit score and overall financial health. I have experienced difficulties in obtaining credit, increased interest rates, and damage to my creditworthiness due to these erroneous reports. 

These actions are necessary to restore my creditworthiness and mitigate the financial damage caused by these inaccuracies. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Equifax dropped 3 more points. It should be exactly the same as XXXX at XXXX. XXXX XXXX should not have dropped 2 points. The problem is in your killer algorithmns designed to hurt the consumer by showing high balances with out waiting for the billing cycle to play out. All new balances are always XXXX  out on my accounts. 
He seems like intentional misbehavior here.
Product: Credit reporting or other personal consumer reports

I have a copy of my credit report from the bureaus and some things are reported inaccurately on my credit report especially from XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried submitting various complaints to TransUnion,  XXXX , and   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted one dispute to TransUnion o n      XXXX   XXXX , 2017     and on      XXXX   XXXX  , 2017 I was notified the " investigation '' was completed. They are required under FCR  A  regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.