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

My name is XXXX XXXX, and I would like to report Paypal for unfairly preventing me from using my personal starting XX/XX/XXXX and business Paypal on XX/XX/XXXX account and holding my funds according to them for 180 days. I am an upcoming entrepreneur, and my goal is to help liberate clients, friends, and the world from the shackles of poverty. I provide account set up for my client and advice about work/gigs, financial/ crypto platforms, gaming platforms, and XXXX marketing services XXXX However, after providing documents and trying to explain my case, PayPal has continued to limit my account permanently and has vaguely said it is because of the risk associated with the services I provided. The PayPal accounts I am talking about are XXXX and XXXX and respectively have a balance of {$570.00} and {$2900.00}. I would appreciate it if Paypal could kindly allow me access to my account and my funds because it is causing me a lot of anxiety and frustration, and I want this nightmare to end. 

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

XX/XX/23 I spoke with XXXX ID # XXXX a representative from Equifax about a block being on my credit file that I did not authorize. Prior to this conversation I was told by an Equifax representative that they had no credit file on me. With all this being said someone is not being truthful. This is causing me grave harm. My bank has not been able to pull my credit report due to this issue! I demand to be remedied for this situation. I am the consumer and I only have the right to block this file! NOT EQUIFAX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities.

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Account ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

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

I was affected by Equifax Data breach. I never gave them permission to report my transactions and they did not exercise grave responsibility to protect my privacy therefore it was compromise. 
XXXX, 2022 XXXX XXXX ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX {$1200.00} ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX XXXX {$860.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX Louisiana XXXX {$140.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX XXXX {$70000.00}. I sent a letter of Data/Privacy being breach XXXX XXXX XXXX XXXX {$40000.00} XXXX I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX {$11000.00}. I sent a letter of Data/Privacy being breach. 
After data being compromised I have had thousands of emails from marketers, countless spam calls, hundreds of mailings from banks, dealerships, credit card companies and calls from telemarketers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX, XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,
Product: Credit card or prepaid card

Applied for and was approved for CitiBusiness Platinum Select Card for my company XX/XX/XXXX. Was approved for I believe XXXX XXXXXXXX credit line. I got the card a little while back, went to activate it, and their system says the information doesn't recognize the information/does n't match. I call in to activate and the foreign low wage employee advises he can't send a simple text message and asks multiple times for a new phone number ( I don't have one ; like most people in XXXX, I have one single cell phone number ). Then I'm somehow magically transferred to the " fraud department '' and spoke ever so briefly to " XXXX '' out of XXXX who cops an XXXX while informing me that evidently some sort of fraud alert was placed on the account XXXX XXXX after applying and well before EVEN HAVING THE CARD IN HAND. 
I have no idea what sort of convoluted XXXX Citi is engaging in and I don't care. I want to activate the XXXX card and use it. This isn't difficult and shouldn't require me to have to turn to the CFPB to get this done. This is absurd.
Product: Student loan

During my last recertification of IBR, ACS reported my gross income as {$XXXX} using my paystubs. They said they based it on a 12-month work period. The only problem with this is that I am a XXXX and XXXX only work from XX/XX/XXXX to XX/XX/XXXX in our XXXX. My income should have been based on around XXXX instructional days. Also, XXXX do not earn on XXXX break, XXXX break, XXXX break and holidays in between, including training days for XXXX. 

As a XXXX, sometimes I get to work as a XXXX. I may earn the first year XXXX rate working as a XXXX, but nowhere near XXXX as ACS claims I earned. My concern with this unearned amount reported by ACS is that it may influence the standard repayment plan to a higher amount. ACS claims that they ca n't go back now because it is too late. I requested them to put the amount back into the loan, but they wo n't do it. This amount is now past due even though I am under IBR and recertified with them. While I tried recertifying, I had paid a previous standard repayment due to my late recertification. ACS denied my IBR forms claiming I did not select the correct check mark. I feel ACS failed to help me 3 times within 45 days to help me correct the issue by delaying the acceptance in order for my account to get hit with another standard repayment plan due to lateness and collect a little more from me. I want the Bureau to investigate this further to find the discrepancies that appear in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016/credit report. XXXX and XX/XX/2021 Collections and Harassment have company MRS on it, but shows on the credit report as XXXX funding. Amounts are inconsistent across the board, Balance, as well as high credit. In addition to the settlement, request is higher than the amount being reported. I requested the information for the GAP coverage and requested proof of the debt, as well and they only continued to produce their collection letters and a turn in settlement invoice. Here are all the amounts that are inconsistent {$15000.00} {$9400.00} {$16000.00}. 
Including correspondence to and from them as well as how it shows on my credit report. I am also sending you proof that XXXX removed this from my report already.
Product: Debt collection

I spoke with a debt collector on XX/XX/14. She was verbally abusive, after the company refused debt validation from previous mailed letter requested. The debt collector refused to provide any information other than demanding me to pay the debt without any proper validation and used threatening language during the call.
Product: Credit reporting or other personal consumer reports

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) requires that if a credit reporting agency ( CRA ) reinserts previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within five business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the Furnisher who provided the information.
Product: Credit reporting or other personal consumer reports

Im XXXX my purse was stolen with me and my childrens important information inside. I immediately made a police report. Later on I get a notification from my the bank ( XXXX XXXX XXXX ) that my account had been over drafted I immediately informed the bank of my situation. To my knowledge they corrected it. Later down the line this same account appears on my credit profile. I contacted the bank again in XXXX they asked me for a police report I sent it to them and also all 3 credit bureaus. XXXX and XXXX removed the accounts immediately following my dispute including documentation. Equifax is constantly saying that the account is verified when this same account had been removed from two other credit bureaus following my last dispute. This is really hurting my credit profile. I have constantly called and constantly disputed these two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving emails from trans union that I have taken a personal loan since XX/XX/2021. The loan company is from XXXX  and I have never associated or even heard of the company name. It is stated that I have an unsecured loan with 60 month installment and requiring me to pay {$510.00} a month for the loan. I have disputed this with trans union and would like to report identity fraud and theft of my personal information. This has happened before where my SSN was used and the police contacted me that my information was being used. Please help me as best as possible, the loan has ruined my credit score and the charges are also stacking
Product: Debt collection

This Company " XXXX XXXX XXXX '' claims that I owe them {$120.00} and are now using a collection company called RGS Financial to report to my credit report that I am delinquent/past due on this. I have never heard of this company nor have I used their services. They refused to send me proof of debt with my signature. 

Contact info for RGS Financial is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX changed my payment history this year XXXXXXXX XXXX from all on time payments to late or missed payments from the months XXXX XXXX XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX I withdrew before the new semester started and have proof the loans were sent back. When I contacted XXXX about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. 

I also was a victim of the XXXX data breach when so many borrowers had their social security number stolen among other things.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sold an item on XXXX which the money is setup thru paypal. paypal locked down my account and withdrew money out of my checking account without no notice. They did this several times. I ended up with bounced checks I did not expect. Then they allowed me access to my account and did it again as soon as I covered all the expenses on my bank account. I had the expense of every bounced check. I had to close my account so they could't do more damage. Then they went after the credit card so that had to be reissued. I try every means possible to get this taken care of to no avail. I have called several time, live chat, filled out the request form many times and I am still locked out. I have {$47.00} in my account. Paypal is no longer linked to my XXXX. I was told 2 weeks ago they were sending my money ... .another lie. It is now XXXX. I tried to close my account but paypal won't allow me to do that either. Aren't they regulated??
Product: Debt collection

I have negative debt on my credit report thats a joined debt with a person I never authorized my consent or even given my information too for them to use. I need to get this off my credit report because its affecting my score
Product: Student loan

My loan servicer ( Navient ) reported a non-payment to credit bureaus after I transferred my loans to another company without properly informing me that I was still responsible as a co-borrower for one of my spouse 's loans. The letter I sent to them is pasted below. 

XX/XX/18 Dear Navient Representative, I am reaching out to you regarding a series of non-payments that were reported on my account beginning in XXXX. As a result, my credit score has dropped from over 800 to less than 700. Since I transferred the servicing of my federal student loans to another company last year, I was under the assumption that I did not owe anything. When I received E-mails stating that I still owed money after the transfer completed, I called Navient and was told to ignore the messages since they are automated. I even logged in periodically just to be sure, and my balance showed XXXX and transferred. Once I became aware of my falling credit, I discovered that the non-payments were from my spouse 's account. When we called to inquire last month, we discovered that I was listed as a co-borrower on a consolidation loan. Needless to say, I was perplexed since all amounts I have ever borrowed for college tuition had been transferred to the new servicer, and I had not received any postal mail notices or phone calls regarding the other account. Additionally, my name is not listed on her account when she logs in, so there is no way for me to know that I bore any responsibility for those balances. I did receive a couple of payment reminder E-mails, but again, when I logged in to my account it was still listing a XXXX balance. We have since requested a forbearance to deal with this issue financially, but I would also like to request an investigation into this situation, and hopefully the removal of the non-payments on my credit report. I have always been a good steward of my student loan obligations and do not have a prior record of payment irresponsibility. A copy of my credit report is enclosed for your review. Thank you for your consideration, and I look forward to your reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

I received a phone call from someone claiming to be a representative of XXXX XXXX XXXX, I told them I was in the middle of something and didnt have long to talk, then I was asked to confirm my address, SSN and email ( which was not correct ) and I did not because I didnt feel comfortable giving my information was told my account is over-drafted I then asked how much was the claimed overdraft and was told they cant tell me unless I confirmed my information.

After over 5 minutes on the phone the XXXX XXXX  representative then told me that they are from a collection agency and are attempting to collect a debt I mentioned that we have been talking for over 5 minutes and they never told me that this is an attempt to collect a debt and also misrepresented who they are in order to get my information.

I requested a validation latter and was told that a validation letter was sent last year, I told the rep that I did not receive anything and would like an updated validation letter as they baggered me about my information and told me to go look up the company name in my email to see validation letter multiple times after requesting to be sent a updated validation over 3-4 times I then was told that a validation letter will be sent via email while were on the phone ( Nothing was sent ) and I was told I have 72 hours to contact them
Product: Vehicle loan or lease

Original purchase date was XX/XX/XXXX. The bank failed to ever send us any documentation which would allow us to obtain plates from the XXXX. 

Loan was paid in full in XX/XX/XXXX. The bank has since failed to release the title ( as of XX/XX/XXXX ). 
Weve had more than a half dozen phone calls with Huntington over this period.
Product: Debt collection

Financial Recovery services has been harassing me for a debt since XX/XX/XXXX but they didnt send me a validation notice until XX/XX/XXXX Notice # 1 : XX/XX/XXXX, FRS offered me a payment plan to repay a {$1700.00} debt. 

Notice # 2 : XX/XX/XXXX, FRS tried to give me a substantial discount on the debt. 

Notice # 3 : XX/XX/XXXX, FRS finally sent a validation notice letting me know I have 30 days to dispute the debt. 

Notice # 4 : XX/XX/XXXX, FRS stated that If i pay {$1700.00} the account will be considered paid in full. 

FRS has also changed the file number for this debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXXI have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$630.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX -- -- XXXX XXXX {$6400.00}
Product: Credit reporting

disputed with equifax and was removed and then reinserted. i wrote to court cause i did not file bankruptcy in XXXX, XXXX and XXXX and ask could be a computer error. They responsed that they do not verify or validate those bankrupty. ( see attached )