23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681SECTION 602 A States that 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 permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Credit reporting or other personal consumer reports

According to per 15 USC 1681 I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER 15 USC 1681-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRES 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
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts Account Name 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 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  Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I was scammed once a couple of years ago and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  inquires from   XXXX   XXXX   that were not authorized. I have asked for them to be removed with no luck.     The  XXXX  dates are as follows   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX
Product: Debt collection

XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX. 
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount! 
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX. 
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!! 

Before this Agency it was a {$16000.00}. Dollar debt!?! 
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed. 
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has added a collection to my credit file that is inaccurate and it is currently affecting my ability to secure a place to live. 

XXXX XXXX XXXX Account : XXXX Amount : XXXX I have no knowledge of this account. Also checking my reports and speaking to XXXX and XXXX they have no knowledge of this account and are not reporting this on my file. 

This inaccurate account is greatly affecting my life in many different ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate information. The account was never late. I bought a car unfortunately the car was totaled within the first week of ownership. I paid 2 months payment upfront. I had full coverage insurance on the car also XXXX insurance from the dealership so the car should be paid in full with no balance and list as positive credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a XXXX  year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

-XXXX XXXX XXXX This is frustrating and impedes the process to financially prosper. 

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 and other adverse items 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. 

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.
Product: Debt collection

On XX/XX/XXXX, third-party depth collector Midland credit management purchased adapt that was already charged off by XXXX XXXX XXXX. On XX/XX/XXXX I sent a conditional acceptance upon validation of debt to Midland credit management. They sent back an account statement from XXXX XXXX XXXX that did not satisfy the requested validation. On XX/XX/XXXX I sent a notice of fault of opportunity to cure and a cease and desist for communications. They continued to send the same letter that they sent after first notice, twice a month. The two following opportunities to cure were completely ignored so I sent a notice of default through Notary Presentment on XX/XX/XXXX. 
Midland continued to send the same letter ignoring all our claims and requests. I am preparing a lawsuit regarding several violations of the FDCPA also claiming damages. As of today midland is still reporting this alleged debt as well as another separate collection agency called XXXX XXXX XXXX on my credit report. XXXX was notified of this felonious conduct yesterday XX/XX/XXXX and I am reaching out to request assistance.
Product: Debt collection

My credit card was cloned and used for expenses done at XXXX. I changed my card and reported it to the credit card company. However, there was a recurrent payment, so the credit card got charged XXXX months in a row. I had to cancel completely my account with XXXX since I never did business of approve any payments with XXXX. XXXXXXXX XXXX completed the dispute and cleared the charges. Now, I received a letter from XXXX saying I owe them {$2000.00} for something I have no idea what it is. Something I did not purchase nor received service from. These purchases were apparently done online.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : Experian From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections XXXX Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off in XXXXI called XXXX and told them i was having issues getting my unemployment and i would make my payment as soon as I was able to get unemployment straightened out. 
I paid it as soon as I could. This should not have nit a 30 day late on my credit report. we are in a pandemic with a situation out of my control. I have since paid everything to current. I have never been late before. this is not fair.
Product: Credit card

I had an account balance of {$200.00} online- I was also advised there was a {$15.00} late fee on the account. I requested a late fee reversal which I was approved for and my promotional rate ended XX/XX/XXXX. I made a payment of {$190.00} to pay off the total balance on the account prior to the promotional ending date on XX/XX/XXXX, I was not aware that the account balance showing on the website did not include the {$15.00} late fee, so the account ended up still have {$15.00} that was owed on the balance. I called and requested the interest be reversed due to a complete error- it does not make any sense to pay off a large amount but just leave {$15.00} on the account just to be charged {$77.00} in interest it was CLEARLY a mistake, and I was not aware of it until I received an email about having a payment due. I called the company they refused to help, I spoke to XXXX supervisors who refused to help offer any assistance other than credited only {$15.00}. I went ahead and closed the card and then XXXX additional cards- I was planning to make a {$10000.00} purchase to upgrade my wife 's wedding ring in the coming weeks between my card and her card- due to the issue we closed both cards and I closed XXXX additional cards- If we can not get a resolution we will be closing all of my wife 's cards as well. It is sad a multi XXXX dollar company will lose good customers for {$77.00} of interest.
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/ ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I went to XXXX XXXX XXXX XXXX, XXXX XXXX and got a rental vehicle from XXXX XXXX moving Department of Defense equipment . I got a rental XXXX from the air port at XXXX EST. I returned the rental XXXX to an XXXX in XXXX PA. The cost of the rental was XXXX. Before my trip to XXXX I requested a rental through enterprise prior to my arrival. When I got to the XXXX  at XXXX they tried to give me a car, but I told the personnel there that I requested a XXXX prior to my arrival. The customer agent at that time gave me the XXXX. XXXX alleges that I never picked up a car that I reserved. I did pick up a XXXX, however, I believe the personnel at XXXX failed to pull up my reservation. They have sent a charge for {$640.00} to collection. XXXX bank did an investigation for this charge and said that they will not pay for the charge because it is duplicate and XXXX has failed to ensure they gave me the right rental when XXXX cam to pick up a rental vehicle. I have all receipts, communications with XXXX bank, and my Defense Travel System orders to prove that I picked up a rental, paid for a rental, and returned a rental vehicle. I also have XXXX rebuttal saying that there was no duplicate charge. XXXX  gross negligence to research this issue and resolve is borderline harassment at this point due to the use of a collection agency.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.