23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I have disputed this company and it's lack of respect for the laws that govern them. They continue to do as they wish with no regard for laws or The CFPB. There are XXXX hard inquiries that are over XXXX XXXX XXXX that experian flat out refuses to remove. My patience is over. They are still not reporting my correct name, XXXX XXXX XXXX XXXX, and they will not remove the inquiries. If CFPB is not going to get this company to follow the rules, what are my options? This has been going on for years. They are being allowed to ruin my life and the CFPB does nothing. WAKE up!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX Card. Also  XXXX  is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.
Product: Credit card or prepaid card

On XX/XX/XXXX, at approximately XXXXXXXX XXXX I applied for the Discover Cash Back Credit Card. My reason for doing so was specifically to take advantage of the advertised 15 month 0 % APR for purchases and balance transfers, to simultaneously consolidate my debt and build my credit. During the application process, I was experiencing performance issues on the website, with long delays between each stage of the application. Near the final stage of the application, a screen came up informing me that the advertised introductory APR would not apply, and I was instead offered an alternative, very high APR, not at all close to what was advertised. I had no intention of agreeing to this offer, but due to either input lag and/or website error, this offer was accepted without my consent or agency. I called Discover immediately after to dispute this and ask that the involuntarily accepted offer be voided without having a negative effect on my credit card, but I was informed by the representative that my only option was to close the account and no matter what this would be listed on my credit report. 

I am writing to the XXXX XXXX office to ask that this matter be reviewed. As an XXXX raised in poverty, it has taken me a very long time to build up my career and credit, and I don't wish my progress to suddenly and drastically be reduced due to a technology error. I had no intention of accepting the exploitative offer that replaced the advertised introductory offer, and I would like for this application, account and credit check to be entirely voided from all my credit reports without any penalty to myself.
Product: Money transfer, virtual currency, or money service

I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I firmly believe that this limitation is the 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 a significant duration, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is of utmost importance to me, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover 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 relieve 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 expeditiously. If there are specific documents or details 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was being serviced by the U.S. Department of Education 's Default Resolution Group, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXXXXXX XXXX XXXX  - {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX in regards to my credit card running late. First I still have XXXX XXXX XXXX  card in which I spoke to them and told them that the person called me from XXXX  XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX bank back in 2002. XXXX  XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.
Product: Debt collection

I am filing this complaint regarding several inaccuracies items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect does not my true credit history. 


Accounts : XXXX
Product: Debt collection

I received a letter from ADVANCE FINANCIAL saying they were going to take out {$280.00} from my checking account on XXXX/XXXX/XXXX. On Saturday, XXXX/XXXX/XXXX, I called them ( they are open XXXX ) and told them I could not afford that amount coming out. I told them that I could pay {$25.00} the following Monday, XXXX/XXXX/XXXX. The representative ( I did n't get her name XXXX agreed to the arrangement. On Monday the XXXX, I found that {$290.00} had been drafted from my account. I called Advance Financial again to find out if they took it. The representative that I spoke to ( did n't get her name either ) said that they had not yet taken anything out of my account and confirmed the earlier arrangement. I then went to my bank to find out who took it out. They said it was Advance Financial. I then called Advance Financial again and got a male representative. He said that the draft was put in motion on the XXXX, which was why it was n't stopped by the arrangement on the XXXX. I then asked him why I was told by a representative earlier in the day that they had not yet taken anything out. He said he did n't know because my account showed that I called earlier in the day, but not what was discussed. 1 ) The rep I spoke to on Saturday XXXX XXXX ) did n't tell me this transaction was pre-arranged, already in motion and would n't be stopped or changed no matter what I did. 2 ) The rep I spoke to today XXXX XXXX ) LIED to me when she said that they had not taken anything out of my account today. Now I have to borrow money from yet another company to cover outstanding checks and debits in order to prevent them from bouncing, thereby causing overdraft fees, thereby causing even more debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Citi bank ending with XXXX, and my account has been blocked with our any reason I have been trying to contact them and they are not helpful. I am travelling and due to account being blocked I don't have full account number. I have an upcoming salary scheduled to be credited in 2 days don't know what to do please help
Product: Consumer Loan

XXXX leased a XXXX from XXXX XXXX XXXX in XXXX, NJ. Ally Bank financed the lease. XXXX turned the car in to XXXX XXXX XXXX in XXXX XXXX, NJ because I leased another car. Sales person checked the old car out for damage and called Ally for payout figure. I agreed to damages totaling XXXX for the front bumper and on XXXX/XXXX/14 my daughter sent a check for that amount to Ally Bank. Ally is looking for an additional XXXX for damage to the left front fender that was not there when I turned the car in. My daughter, XXXX XXXX, has made numerous attempts to resolve this issue but Ally refuses to speak with her. I am hard of hearing so I sent Ally a letter giving them permission to speak to XXXX but they refuse to talk to her.
Product: Checking or savings account

For about 3 weeks now wells Fargo has locked me out of my online account, They said there was suspicious activity and that's why they locked me out, they wanted me to answer questions yet later they asked me to verify 10 additional questions supposedly about myself after I answered them they said I got the incorrect answers.

After answering so many questions I would get access but after I answered more questions they transferred me to someone else who could not help but the same thing happened, so they elevated to another person. That first call I was transferred to 3 different levels then I was told the supervisor would call me, I waited a week and never from anyone so I called back. It started ball over and they insisted the way to solve the problem is to go into a branch, I was reluctant, I have been isolating myself, being elderly I want to stay safe, but after calling many more times I thought the only way was to go in and so I did. The same thing happened inperson and I still do not have online access to my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # 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 consent.
Product: Debt collection

I was treated at XXXX XXXX in 2016 for a serious injury to my XXXX. The Property Insurance Adjuster actually transported me to the office several times to assure I was treated and took care of all the paperwork and accepted liability and paid the bills, On the last visit I was told there was no balance and have never received a bill from that date forward. XXXX XXXX 's office aparently decided to pad the bill years later and give it to Oursource receivables which has reported it to my credit and in order to keep it on my credit, they just change a few details and update it. I called them to get their official contact information so that I could file the proper complaints and the woman says, the bill is {$480.00} but I actually own over {$800.00} and she doesn't care if any insurance paid the bill or took liability, I owe it because XXXX XXXX XXXX  says so. I have disputed it through XXXX and Outsource Receivables refuses to remove the fraudglent billing from my credit, saying its up to their client, XXXX XXXX and admitted that XXXX XXXX never told them about the property insurance coming to his office personally and taking full liability and its not their problem, anyway, as they don't deal with insurance companies. I asked for the identity of the owner and the woman says " We don't have to tell you last names, but the owner is XXXX. I want this removed from my credit and them to stop fraudglently billing me. The woman on the phone tried to trick me by saying, " Oh you admit to receiving the treatment, so you obviouslty owe the bill '' I never denied getting treatment, but none that was not paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In response to CFPB complaint XXXX, Equifax did NOT remove the item from my report. They have violated my rights under 15 US code 1681n - Civil liability for willful noncompliance. 

The original complaint submitted XX/XX/year> is as follows : Clear violation of 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) with XXXX XXXX XXXX Account XXXX XXXX. The account was deleted from my Equifax consumer report on XX/XX/year> and reinserted on XX/XX/year>, with NO NOTICE within XXXX business days. If the CRA reinserts the information, it must notify the consumer in writing within ***five business days*** of doing so. Equifax DID NOT notify me of anything. 

This item is listed on an identity theft report that was submitted to Equifax on XX/XX/year> and per FCRA 605 ( b ) was removed, and then reinserted LESS than 5 days from deletion with is also a violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ) Other items listed in the original letter sent via USPS on XX/XX/year> were also not removed. These items can be seen in the attached documentation showing original dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX  when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX says that The Department of Education and the XXXX XXXX submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to XXXX. Once transferred the balance for the Department of Education should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXXXXXX XXXX XXXX It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax
Product: Credit card or prepaid card

Double paid the balance of my credit card twice due to an issue with their mobile application. I was now in a large negative balance on the card, so I called Bank of Americas customer support to have one of the payments returned to my checking account, but was told they would submit the request and it would take 10 days for a decision to be made. I waited and never heard anything, no communication was received back from the bank. I called again and was told I would like one of the payments that was processed in error returned to me. Again I was told they would submit my request and it would take 10 days for a decision to be made. I asked for a manager to speak with me, and was told one would call. Again I have waited and no further communication was received. No call no customer survey email nothing. I have now called the bank three times and get the same treatment. I feel like Im just being given a canned response and then ignored by the bank. They are holding my money hostage and wont return it.