23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXX XXXX  XXXXaccount ending # XXXX, XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX-account ending 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My accounts : Checking : XXXX Joint Savings : XXXX Personal Savings : Ending in XXXX Have been blocked for almost 2 months now. In total it is {$2000.00} that has been blocked with no end in sight. Citibank has sent a letter stating that the accounts will be closed on or before XX/XX/2022. That day has come and went, with no more information. 

You should be ashamed that you are playing with peoples livelihood. We have bills to pay and we cant because the company is refusing to help us.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY ONE LLC failed to give me my " XXXX-XXXX  '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RECOVERY ONE LLC is held  liable as well for defamation and in the state of NORTH CAROLINA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with NORTH CAROLINA LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. RECOVERY ONE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Money transfer, virtual currency, or money service

Our company, XXXX XXXXs being burdened by PayPal inasmuch as they have forced a 10 % rolling reserve on our account which means that, for every transaction that they process for us, they are preventing us from accessing 10 % of the money we receive for 90 days. I requested that the reserve be removed a few times between XX/XX/XXXX and XX/XX/XXXX with various customer service agents. Most of the customer service agents had no idea what they were doing or what they were talking about and their responses were not even relevant to the question but, most recently, customer service agent " XXXX '' told our company we can only request another " review '' of the account to have the reserve requirement removed in 180 days ; which would bring us to XX/XX/XXXX for our next " review ''. Then, I requested to know why this reserve was applied to our account in an attempt to ensure that we fix whatever is causing this reserve requirement before our next " review. '' 10 % is a large part of our operating budget for each order. At this point the customer service representative " XXXX, '' whose message responses I will attach to this complaint, indicated that he would not let us know why the account was given a reserve requirement because that is part of their " internal process ''. I beg to differ and I believe we have a right to this information as, without this information, they can simply slap this requirement on us, anyone, or everyone with no explanation ; possibly to use the money themselves for the interim period to unscrupulously earn interest. Therefore, I believe we have the right to know why the reserve was placed on our account or, if there is no reason, get it removed from our account.
Product: Checking or savings account

* Capital One Savings account created to deposit funds from sale of Father 's property * {$1000.00} was transferred from Father/Daughter joint XXXX XXXX XXXX account just to get it opened *Capital One Deactivated/Froze account after accepting {$1000.00} opening transfer *Trust paperwork & Death Certificate for father were provided to Capital One *Capital One refuses to return the {$1000.00} or reactivate account *Capital One was informed that no probate court was involved due to the assets being in a trust account. 

*Capital One still holding funds improperly
Product: Credit reporting or other personal consumer reports

This company is falsely reporting on my credit report with inaccurate information impersonating me. I've asked to be removed from this account and off my credit report
Product: Money transfer, virtual currency, or money service

I've been using a PayPal account for over a decade to accept donations for a couple of browser extensions I develop and maintain. 

Yesterday I was informed via email by PayPal that my account is now permanently locked with no way to access my {$7000.00} balance. The reason given states : " it appears that there was activity on this account that we can not process. Specifically, the sale of XXXXXXXX XXXX XXXX XXXX XXXX XXXX The payments I have received on this account have consistently been for 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 

First call to PayPal customer support at XXXX : XX/XX/XXXX - I was told the issue would be escalated and I would hear back in XXXX hrs. I never heard back. 

Second call to PayPal customer support at XXXX : XX/XX/XXXX - I was told the violation was " triple-checked '' by human reviewers and would stand. They refused to provide any reasoning for WHY my extensions were deemed XXXX XXXX  and they denied me any escalation option. " We are parting ways '', they said, and refused to answer any further questions, making it clear the decision was final. 
- The email I received states funds will be held for 90 days. However, an automated message at the beginning of this call stated funds would be held " until XXXX, XXXX ''. 

The claim of the " sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' is incorrect. There is no such activity on my account. PayPal has given me no opportunity to provide documentation or otherwise prove that this claim is in error.
Product: Debt collection

basically I opened up an account with citi bank credit card never used the card until I really needed to and unfortunately for me I work in restaurants and we have slow season so basically only people who been working for the company the longest can get more hours the rest of employees and the credit card company gave me 1 option I could use to possibly qualify for assistance but I was not approved because I was late on payments and when the harassment of phone calls I was never able to catch up because they never tried to work with me.
Product: Student loan

Nelnet in formed me on  XXXX / XXXX / XXXX  that I had a past due payment needed but I did not review the message until  XXXX / XXXX / XXXX . I have auto-payment set up with  Nelnet  and my  XXXX  payment was coming out of my account on  XXXX / XXXX / XXXX  of {$270.00}. I figured I would pay 1 extra payment on  XXXX / XXXX / XXXX  of {$270.00} to bring my account current. Due t o Nelnet 's we bsite ( lag, freezing up, etc ), I accidentally made  2 ex tra payments of {$270.00} totaling {$550.00}. Once I noticed what happened in my bank that a total of {$830.00} came out from "  Dept of Education '' aka Nelnet, I freaked out. I imm ediately called  Nelnet 's   customer service on  XXXX / XXXX / XXXX . The initial customer service rep confirmed he saw what I was talking about and th at 1 extr a payment of {$270.00} was in fact processed. He then transferred me to a " solution '' rep for a refund.     The solution rep was rude and told me the Department of Education would not refund my money even though my account was current and the extra payment of {$270.00} was a mistake. I asked if it could be added to my  XXXX   XXXX  payment and she said no, that because I made the payment within  XXXX  's pay period, it would just be extra for  XXXX . I have a   XXXX   XXXX   XXXX   infant who needed that {$270.00} this month and I expressed that to th e Nelnet solutions rep. She said, " Department of Education does n't care. We will not refund. '' This is extremely poor business practices by Nelnet. They are taking money from hard-working peopl e who need it even when their accounts are paid current.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Product: Checking or savings account

I filed a fraudulent item claim on my Wells Fargo debit card account as I had incurred thousands of dollars worth of charges that were not authorized by me. 

I got a letter from Wells Fargo only 4 days after my claim was opened, that they closed the claim because they determined the charges to be authorized, this was not the case and Wells Fargo has given me no option to call in or ask for another review of the charges. 

I would like my account reimbursed and the charged disputed correctly.
Product: Debt collection

I received an attempt to collect a debt from Waypoint on XXXX for the amount of {$100.00}. This is to collect from XXXX XXXX. I used their internet service from XXXX XXXX to XX/XX/XXXX in a condo I own. I moved to a new home in XX/XX/XXXX that uses a different internet provider. The renter of the condo is now using XXXX for internet so a technician came to the condo to set up the service and pick up the old router I was using and provided a new one to the renter. XXXX now claims their technician did not pick up the old router as they have changed their policy as they used to do that service but do not now. I do not have the router and XXXX did not do any research to find out where it is. 
Therefore I do not owe the fee for the equipment. 

I have contacted XXXX several times from XXXX XXXX to present and the conversations go no nowhere as they refuse to believe I do not have the router and understood the technician picked it up during the install.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the charges nor was there any proper paperwork submitted for this to be on my credit
Product: Debt collection

My debt was deducted by as previously scheduled from my bank account.

However Chase sent me black mail letter citing I am not paying. The letter was initiated on same date as monthly scheduled deduction.

This is unlawful banking practice just like Chase is acting like XXXX.

I want to stop Chase 's XXXX  activity.
Product: Credit reporting or other personal consumer reports

As a result of robbery my personal information was stolen and used for about 4 years, there are many accounts and balances on my credit report that I do not recognize consenting to.
Product: Credit reporting

I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts Seventh Avenue Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

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

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Disputed Items ( TransUnion ) : XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX  XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX Account XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX {$0.00}
Product: Debt collection

This company called Credit Protection Association , L.P has been calling and sending me letters regarding a {$100.00} debt of unreturned equipment to XXXX. I am a current XXXX customer, and have contacted XXXX. XXXX customer representative at the collection department told me I do n't owe them any debt, and even told me that they do n't work with a company called Credit Protection Association , L.P . They suspected this is a scam and recommend me to block the call. I am still receiving letter about this debt, and also received a notice of report to credit bureaus from this company. I also noticed online many scam complaints regarding this company. Please help!!
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

In XXXX 2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XX/XX/2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an affidavit of truth to address the issues the credit reporting agencies refuse to address.
Product: Student loan

Received call from Ameritech financial about refinancing student loan several years ago. Did paperwork, payments were taken from checking account. In XX/XX/2018 received another call from Ameritech to renew student loan application. Gave requested info, updated XXXX account info. Received letter from XXXX ready lawsuit. Contacted Ameritech via email letter requested written update on my account. Never received it, sent another email, emails from Ameritech, XXXX XXXX, left messages, never spoke with him, never received requested account information. Each time I called got answering service. First email dated XX/XX/2018. No written response as of today, XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I think its totally unprofessional and unethical what is showing up on my credit report especially when I was informed that my personal information was compromised around the same time some of these accounts were opened up in my name. I know that a lot of rules were broken on you guys end allowing individuals to use other peoples identification to get things using their information. My account for XXXX XXXX for XXXX something dollars I dont recall ever getting whatever that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.
Product: Debt collection

I have disputed this debt several times and the creditor refuse to remove the debt. The debt has not been validated. They have not provided proof of ownership, how the debt was accumulated, and the accurate payment history. On the credit report, no Data shows for one of the months. Nothing has been corrected or removed. Also, The debt was sold to a buyer that has not been specified.