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

PayPal is now fining their consumers whose points of view they disagree with. I in no way want anything to do with such a company. I have tried to close my account but they will not let me close it. This is tied to my bank account. I no longer want to use their services. I went through all the steps to close my account, but they would not close it. I called to find out why and they said that it's because I have a PayPal credit card so I can't close it. This puts me in a situation where my credit score would take a detrimental hit in length of credit history. In this, I am being penalized for no longer using their services. Is this even legal, and how?
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian, XXXX, and XXXX for their blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete their investigations into disputed credit report items within the required 30-day period as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). These credit reporting agencies have demonstrated a clear pattern of noncompliance and negligence, causing undue harm and financial stress to me as a consumer.

VIOLATIONS BY CREDIT REPORTING AGENCIES : Failure to Investigate Disputes Within 30 Days : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete their investigations within 30 days of receiving a dispute. Despite my timely and detailed submissions, Experian, XXXX, and XXXX have failed to meet this statutory obligation. 

Failure to Provide Timely Notice of Investigation Results : In accordance with FCRA guidelines, the agencies must provide a response to the consumer with the results of their investigations. I have not received any such correspondence within the legally required timeframe, further compounding their violation of my rights. 

Failure to Ensure Accuracy in Credit Reporting : These agencies failure to comply with FCRA standards has resulted in the continued reporting of erroneous, unverifiable, or incomplete information on my credit report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX IMPACT OF THESE VIOLATIONS : The continued presence of erroneous and unverifiable information on my credit reports has caused the following damages : Defamation of Creditworthiness : The inaccurate data has impaired my ability to access credit on favorable terms, subjecting me to financial discrimination. 

Emotional Distress : The agencies negligent actions have caused undue stress, frustration, and anxiety. 

Financial Harm : Higher interest rates and denials of credit applications have resulted directly from their failure to comply with FCRA-mandated investigation timelines.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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: Debt collection

I have a collection account from convergent saying that I owe  XXXX . I have never had an account with  XXXX .
Product: Student loan

I have worked for a XXXX XXXX XXXX for 20 years. I have been paying student loans since XXXX. 

XX/XX/XXXX I filed a complaint to recount my student loan payments. I was missing payment history from XXXX. I sent them my payment history going back to XXXX. I contacted the loan servicer and they told me to request a recount. 

XXXX XXXX replied and said they received my request. 

XX/XX/XXXX I received a letter stating my loans were forgiven and I had 120 payment. I was still missing 61 payments from XXXX. 

XX/XX/XXXX I received a letter that my loans were recounted and those changes were made to my Mohela account. I called Mohela and they have no record of changes. They told me to wait a few months. This is unacceptable. I have been waiting for over a year for my information to be corrected and continue to get passed back and forth between Mohela and the Department of Education who can not give me an answer. 

XX/XX/XXXX I called the Ombudsman. They told me those 5 years should be added and I should just keep waiting.
Product: Debt collection

I switched from XXXX to XXXX back in XXXX 2015 and switched XXXX lines I had with XXXX. XXXX agreed and plan was to pay any early termination fees or cell phone fees owed to XXXX just to transfer to their company. After I changed all XXXX lined to XXXX, the rep told me I needed a bill from XXXX showing all XXXX lines remaining balance owed for each phone. I right away took in the XXXX bill which showed the balance for each line. The rep that assisted me that day denied the bill. He said the bill must also show the phone numbers for all the numbers. The bill only shows the last XXXX numbers I believe. XXXX should know I transferred XXXX lines from XXXX and the bill shows XXXX lines, it 's a no brainer! I left and asked XXXX to print me a bill that displayed the phone numbers next to the balance owed per line. XXXX mailed me a bill that was pretty much miring the last bill. This went on for months, back and forth with XXXX and XXXX. XXXX kept rejecting my bill which they would n't process for payment, which meant I could n't pay the balanced owed on my XXXX account. XXXX would n't print the bill in the format XXXX reps were requesting, even though when I would call they would say they would do it but when the bill came in the mail it was not in that format. I was so tired of the calling game to XXXX trying to get the bill the way the XXXX 's rep was requesting, mind you, XXXX never tried once to submit the bill to see if it would get processed and paid. Then XXXX day I get a letter stating I was sent to collections. I was devastated, upset, in shock, etc ... I have XXXX, and instantly it made my XXXX and I got really ill. I was sick in bed for almost a month, till this day my XXXX but I can work. I have so much XXXX that I get XXXX everyday. It 's just not right! I own a home, so for me/us it 's a big deal because if I/we want to refinance, it will have a big impact due to my credit score dropping due to the negative mark given from XXXX. I trusted XXXX blindly to pay XXXX for the balance of my XXXX phones timely, that 's why I switched with no worries! 
I was treated unfairly and wrongfully by XXXX and XXXX. I strongly feel this negative mark should be removed from my credit score because I did n't do anything intentional or wrong. I was doing everything I was supposed to do and did everything XXXX and XXXX instructed me to and timely. How did that lead me into collections? That is just so wrong! Please help me! 

Thank you!
Product: Debt collection

NCB XXXX XXXX XXXX keeps calling me daily from different phone numbers including the XXXX provided in the form. Also receive text messages from them as well from different numbers stating the same thing over and over again. I feel harass by this company everyday from constantly calling and texting me the same thing.
Product: Credit card or prepaid card

I WENT TO PAY MY CREDIT CARD BILL ; WAY BEFORE DUE DATE AND IT SAID MY XXXX ACCOUNTS WERE RESTRICTED. IF ANYTHING I PAY XXXX WEEKS BEFORE DUE DATE ... ..THEY SENT ME A LINK TO UPLOAD MY XXXX XXXX ID, AND COULD NOT SUBMIT IT ... ... THEY THEN TOLD ME, THAT I WOULD HAVE TO FAX MY STATE ID, SS NUMBER AND ELECTRIC BILL ... .... 

THE BANK THAT ISSUED MY CREDIT CARD IS XXXX XXXX ... ... ... I DO NOT FEEL COMFORTABLE FAXING, OR SENDING VIA XXXX XXXX MAIL ... ... ... ... THEY, THE SECURITY DEPT. WO N'T GIVE ME A SATISFACTORY ANSWER ... ... THEY SAID SOMETHING ABOUT MAKING SURE THAT I WAS WHO I SAID IT WAS ... ... ..BEEN USING THE CARDS 5 YEARS
Product: Debt collection

I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts 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 this item of information Any 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, Equifax XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. On XX/XX/2020, XX/XX/2020, XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. This is to confirm that this is sent directly by me. 
Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you. 
Once again this this complaint is being sent directly by me.
Product: Credit card

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I paid my milestonegold card on my due and/or before the statement date. Milestone reported my card over the limit. Please report the {$3.00} balance to alll XXXX credit bureaus instead of the {$710.00} balance over the limit. This has dropped my credit by XXXX points.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter requesting them to verify, update and respond to me by mail with updates within 30 days with information that has requested. On XX/XX/XXXX I sent a certified letter updating my home address and requesting derogatory items on my credit file be investigated, updated or deleted if the items could not be properly verified and respond to me within 30 days by sending the verification process to me by mail. As of today XX/XX/XXXX they have ignored my request.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below, as they are the result of fraudulent activity. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of such information when it results from identity theft. 
The following accounts are fraudulent and must be blocked and deleted : Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a 7 year old collection account disputed due to age. Account was successfully deleted from my credit report. I received an credit alert that a dispute was opened today XX/XX/2021 for the same deleted account which I did not initiate. The same day I received notification that the dispute was completed and the status was updated. The deleted account is now back on my credit report. I called and emailed Experian to resolve this with no answer. The account is too old to be on my credit report at all besides from it already being deleted once before. I shouldnt have to dispute this item multiple times a month. This is an unfair practice. I, XXXX XXXX XXXX authorize CFPB to look into this. I also authorize Experian to release my information to CFPB. I can be reached at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit reports under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit reports from both Experian and Equifax, and I have found inconsistencies regarding my XXXX account XXXX Account Number : XXXX ). 
The discrepancies are as follows : Late Payments : Experian reports three 30-day late payments, while Equifax indicates three 60-day delinquencies.

Account Closure Date : Experian lists the closure date as XX/XX/year>, whereas Equifax states XX/XX/year>. 
Payment History Discrepancies : The reports do not align on when late payments occurred or if they were reported accurately. 
Under the FCRA ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this matter and for the inaccurate information removed if it can not be verified. Please provide documentation verifying the accuracy of the late payments and closure date, or update my credit file. 
I have attached copies of my Experian and Equifax credit reports highlighting the discrepancies. Please investigate this matter and provide a written response within 30 days as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response confirming the corrections. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to BofA XXXX XXXX, TX branch to close my safe deposit box. The banker, XXXX XXXX, took care of that. Before I left, I asked him when and how the {$25.00} deposit for the keys would be refunded since i returned both keys. XXXX XXXX told me that the deposit would be refunded automatically within a couple of days. 

However, I still have never received the refund by now. I contacted customer service ( XXXX ) twice ( once on XX/XX/XXXX, the other on XX/XX/XXXX ). The CSR either told me to wait, or asked me to contact the branch. The branch is not close, and the hours are ridiculously short ( XXXX ). During the conversation on XX/XX/XXXX, I requested the CSR to help open a case, and let the manager who is capable of handling this small issue investigate and contact me. The CSR agreed, and promised that the manager from the branch would contact me within 2 business days. 

Unfortunately, that never happens. It's XX/XX/XXXX, 9 business days after my last phone call with BofA, there has still been no contact, no apology, and no resolution for the refund. Earlier today, I sent a XXXX complaint, and some reps from BofA social media team contacted me. XXXX from that team called me, all he did were crediting me the deposit but no apology and explanation. He started arguing with me after I questioned him regarding the complaint/ How can a consumer bank handle business and customer complaint in such way? I'm looking forward to hearing some explanation from the executives of BofA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

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

I submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a  ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified.
Product: Payday loan, title loan, or personal loan

On XXXX 2021 a personal loan of XXXX $ was taken out in my name without my consent or my knowledge.
Product: Checking or savings account

XXXX  XXXX bank card wont work and was flagged for fraud but all the transactions were legit. I spend 3 hours calling the bank and no one seems to know how XXXX  XXXX to get the card unflagged. I need the card to work if it is supposed to not keep wasting time calling XXXX XXXX XXXX after another.