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

re : XXXX XXXX XXXX account # : XXXX Credit payment history is being reported incorrectly. According to the FCRA I have the right to 100 % accuracy of information furnished by the Credit Reporting Agencies. My credit report furnished by Experian clearly states my LAST PAYMENT was made in XX/XX/2017. The XXXX history clearly shows a payment I made the following month in XX/XX/2017. Both reports can't be true as this questions the entire payment timeline of this account. This inaccuracy is a VIOLATION of my rights and is very damaging to my ability to obtain credit and purchase a new home for my family.
Product: Checking or savings account

I opened a new SunTrust Advantage Checking account under bonus offer XXXX on XX/XX/XXXX. As one of the requirements I had to fund the account with {$100.00} within 14 days. 
As I was traveling and not near a branch I used Suntrust 's web site to request an external transfer to fund my new account. 
THREE such requests ( one on XX/XX/XXXX, and two on XX/XX/XXXX ) were rejected/cancelled by Suntrust days after they'd been submitted. The fourth transfer request on XX/XX/XXXX ( on day 14 since account opening ) did finally go through and the funds arrived on XX/XX/XXXX. 
The external transfer system at Suntrust is clearly broken - so far only 2 out of 8 transfer requests I've submitted have been executed. 
It appears Suntrust is deliberately delaying processing and subsequently cancelling their customers ' external transfers so that they can run down the 14-day clock and claim that the account did not comply with the bonus offer requirement.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2022, I received XXXX ( XXXX ) e-mails from PayPal ( XXXX ) stating the following : " You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 
As a result, we can no longer offer PayPal services to you.

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. 
If you have funds in your PayPal balance, it will be held for up to XXXX days. After that, well email you with information on how to access your funds. '' I also received XXXX ( one ) e-mail from Venmo stating the following : " XXXX XXXX, Your Venmo account has been frozen due to recent activity that triggered some security alerts. 

You may have received a separate email from Venmo with more information. If you have questions or want to reactivate your account, please contact Support here. 

Thanks, Team Venmo '' I have been blocked from access to the accounts and the funds reserved in them. I have contacted both PayPal and Venmo regarding this time-sensitive matter but have not received a response regarding the reasoning for the restrictions nor any information regarding how to appeal any decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX  XXXX XXXX XXXX # XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX  XXXXDispute XXXX  XXXX XXXXUnder Dispute XXXX  XXXX XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf XXXX  XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri
Product: Credit reporting, credit repair services, or other personal consumer reports

I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account XXXX : XXXX  Date of XXXX : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did.

I D

ID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Vehicle loan or lease

I had an auto payment plan set up for my lease payment though GM financial. They reported I never paid my lease payment for XX/XX/2018. I have since confirmed on XX/XX/18 that XXXX dollars was withdrawn from my checking account for the lease payment. I open a complaint with GM in regards to the matter and they said they would dispute the late payment. The late payment still reflects on my credit.
Product: Credit reporting or other personal consumer reports

There is inconsistent reporting information on the balance on my credit report with all 3 credit bureaus. I am trying to increase my credit score so I can buy a house, but the information and account balance for my auto loan is not the same on all 3 reports. With one of the the balance is showing {$17.00} and with another its showing {$14000.00}. I thought that my balance was at {$12000.00} at one time. My balance keeps increasing and not being reported correctly. I don't understand how and when this is reported and why there would be different amounts showing for all 3 of the credit bureaus.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX and equifax is requesting information from me that I can not supply at this time. I am trying to limit this but I am asked for information that is not legal in the manner that it is requested. I just received the information from department of travel because I can not legally use documents. However it is in process. I have to get notarized information to get legal documents to the two I have about a month to get it done and pay for it. So I am legally not able to get all the information requested by them. I again without repeating had a few id issues so I have to use a passport in place of the other documents and it will be done asap. Otherwise credit cards were opened in my name or used. I did not even know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel Abused By Equifax because they dont care for me as a person. I was a victim of Idenity theft a few years now and its several accounts that was removed with the help of the CFPD and the Attorney General office. it took hundreds of clock hours and teaars to fix. Equifax has allowed these companies to re put these fraud accounts back on my report. they wont even question them ask them for real documents and proof. they have been deleted before several times. please stop letting them do this to me every 8 months to a year. Please remove this again 1. XXXX XXXX  2. XXXX 3XXXX 4XXXX XXXX  XXXX  5 . XXXX XXXX 6XXXX XXXX  7 XXXX XXXX XXXX 8XXXX 9.XXXX  XXXX XXXX  10. XXXX  ALL OF THESE WAS FOUND TO BE FRAUD XXXX  TIMES AND REMOVED XXXX  TIMES AND IS NOW BACK ON OR EVEN SOLD TO OTHER COLLECTIONS AGENCY. you guys should help and protect me from this happening. I dont owe these people and i was out of the country for years and when i came home it was these things. it was fixed and deleted i thought i was ok but i see i am not because now they all back for the XXXX time. Please delete those things
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XXXX and my XXXX Credit report I have XXXX  XXXX reporting a negative and charge off there are 2 accounts they both also have been sold to lvnv funding and they also are Reporting a charge off under XXXX XXXX. 
With lvnv funding name. 
This is against the FDCA and The FDCRA on both parties, They both have been contacted XXXX XXXX said to contact Credit bureaus to get removed was not there problem. 
I contacted both transunion.com and XXXX they refuse to remove. 
It's is 100 % against the fedal Credit law to keep reporting from both parties.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is : XX/XX/year>. 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer ( s ) : XXXX XXXX. 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Vehicle loan or lease

In or around    XXXX   XXXX   , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms.  XXXX  was of good character. In or around    XXXX   XXXX   , I accompanied Ms.  XXXX  to  XXXX   XXXX   XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer.   After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms.  XXXX  and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late  XXXX . I did not recognize the  Exeter  account on my credit report, so I contacted  Exeter  using the information listed on my credit report.  Exeter  explained that I had co-signed for the car, and thus if Ms.  XXXX  defaulted on payments, the account would become part of my credit report. Exeter also sent me the  Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to  Exeter  on   XXXX   XXXX   XXXX  , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment.   At this point, I contacted the lawyers at the  XXXX   XXXX   XXXX . They wrote to Exeter on   XXXX   XXXX   XXXX   requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.
Product: Debt collection

I received a letter from Contract Callers XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Claiming that I owed XXXX, Formerly known as XXXX {$100.00} File Number XXXX Account XXXX They attached no proof, and I have no reason to believe I owe XXXX any such amount. I have never received any such bill from XXXX, or any communications about any such bill. 

I called the number listed above, to inform them that I disputed the debt, in its entirety. They told me that I I had to tell them the last 4 numbers of my social security number. I told them I had no intentions of telling someone I had no pre-existing business relationship with any of my PII. They said that I was obligated to send them written notice of my dispute. 

I see no reason why I should have to spend more of my time, or buy postage, to dispute something they seem to be making up out of whole cloth. 

I would appreciate your help in this matter, as their representative was escalating and hostile, and repeatedly insisted that I divulge PII, based on a letter they sent me, out of the blue. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the Listed Account. 
( XXXX XXXX : ) XXXX Balance : {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consulted with attorney regarding medical hardship. Submitted several court XXXX documents and letter. Company is fully aware. XXXX treatments failed. Can no longer pay debts. Have no collateral, etc. Attorney directed me to send documents so options are available for company to write off debt due to medical hardship. Company still showing late payments. Never was late, always paid my debts. No one asks for XXXX. Asking for info be removed from credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- > {$13000.00} XXXX XXXX XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00}
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AM A VICTIM OF IDENTITY THEFT
Product: Student loan

When I called to get my payments lowered I was told I needed to do a forebearance/deferment several times. I have spent through all of them and now do not have anymore for an emergency. I had asked them several times about PAYE or REPAYE like I have with my Federal Loans and they said they do not offer it. I explained that the payment they offered was too high per month. The only option I was offered was a reduced interest rate.
Product: Debt collection

I called Penn Credit Corporation on XX/XX/XXXX and spoke with someone and told the guy I want to dispute this matter the guy told me I cant which wasnt true also I let him know this account was a very old account after he couldnt even found me in there system after 5mins of  being on the phone with him Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 
I call the original company and they confirm that the debt was last paid by me In XX/XX/XXXX and after that a company called XXXX paid XXXX $ which I didnt pay The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. 
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I want it removed
Product: Credit reporting

MY CREDIT SCORE DROP. AND I HAVE NOT APPLIED OR RECIEVED ANY NEW CREDIT CARD OR INQUIRES. SO HOW IS THIS POSSIBLE.