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

I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX through Tesla Motors, Inc. I have the ability to sell my car to a Dealership under the guidelines of this contract. I submitted a Sell to Dealer request on XX/XX/2021. They emailed me saying they would contact me with further instructions within 24-48 hours. It is XX/XX/2021 and they have not contacted me or the dealer yet with an accurate payoff. I was forced to make another payment on the vehicle because they failed to provide me and the dealer proper information to payoff the vehicle. They have violated Regulation Z 1026.36 ( c ) ( 3 ).
Product: Money transfer, virtual currency, or money service

When I first created my personal PayPal account I had my legal name there before however, I changed it because I want to be anonymous to other people when I'm making a transaction yes I faulted on my part. But on XX/XX/2021, they limited me with no warning at all. They told me that there's is an unusual activity that is taking place on my account. But I just buy groceries and pay people online on Paypal as well. So why warn me now so they can have a reason to hold it for that long. It's like they anticipated this they could have given me a message before about verifying my account but they didn't bother at all. The amount that was kept in my account is {$2700.00}. The last transaction that I made was ordering from XXXX XXXX  using my Paypal on XX/XX/2021. 

I asked them to look at the emails, phone numbers, debit cards, and credit cards I used which are under my legal name also the device logins that I used for the few months as well they could just assure me that was me. But they did not try or assist me I asked if I can change the name of the account so I can verify using the legal documents I owned they said no It is not acceptable. Therefore they rejected my appeal and gave me the 180 days limit from the date of my last received payment. 

Their help and excuse were unacceptable they are not a bank and they do not have the right to hold my money. Any reasonable person would think that holding my entire balance for 180 days is excessive and may be seen by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2014 Balance : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Product: Payday loan, title loan, or personal loan

I took out a loan for {$750.00} on XX/XX/XXXX and have paid back {$840.00} as of XX/XX/XXXX. I currently still owe more than what I borrowed to pay the loan in full and am struggling to keep up with the high interest rate on this loan.
Product: Credit reporting or other personal consumer reports

: Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below 1- XX/XX/XXXX They are a third party company who is committing fraud saying I owe them and Ive never spoken to them ever Remove asap 2- XXXXXX/XX/XXXX They are a third party company who is committing fraud saying I owe them and Ive never spoken to them ever Remove asap 3.All Inquiries I was never warned or notified about a inquiry Items Highy Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal actions with everyone doing business under my name
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts were added to my credit report. I submitted a police report, an FTC identity theft report, and other supporting documents to Experian to prove that these accounts are not mine. 

Even after providing clear proof, Experian has done nothing to remove these fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), they are required to investigate disputes and fix errors within 30 days, but they are completely ignoring my case. 

I also just found out that the CFPB has sued Experian for doing this same thing to other peoplefor ignoring disputes, not properly investigating, and violating the FCRA. This proves Experian isnt following the law, and my case is just another example. ( CFPB Lawsuit Against Experian )
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 and XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Reference 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 these 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, credit repair services, or other personal consumer reports

XXXX IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX XXXX & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. XXXX  confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY XXXX. AGAIN I ASK FOR ACCESS XXXX ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY XXXX PERSONS MATTER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on Equifax is 1984. An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop XXXX points now it drop again
Product: Credit reporting, credit repair services, or other personal consumer reports

This is probably the 4th time trying to resolve this and Im getting tired of disputing this account that ISNT reporting correctly. Im almost positive that items on your credit report that arent ACCURATELY reported are to be deleted. How is it that the account keeps being verified and updated when its constantly coming back with the SAME info! 

The account from XXXX XXXX ( XXXX XXXX XXXX ) was paid in full, yet the account is still reporting as derogatory. This is the last time Im contacting you all regarding this account. My next step will be me getting an attorney.
Product: Debt collection

XXXX XXXX was paid the balance they said I owe back in XX/XX/XXXX. I send proof ( bank account statements ) that the amount was taken out from my account on XX/XX/XXXX {$430.00} which {$300.00} was for an early cancellation fee and the rest was what I owe for that month. I've spoke with someone from XXXX XXXX and they no longer have any records of my account. I confirmed with my personal bank that the transaction of {$430.00} went through to XXXX XXXX on XX/XX/XXXX. 
Transworld System Inc is saying that their client XXXX XXXX XXXX says I still owe {$300.00} but when I ask for proof they refuse to send it to me saying " Proof was already mailed to you or we are waiting for our client XXXX to submit more proof of that debt still owe ''. Till this day I have not received any proof that in fact is my debt to begin with. 
This problem has been going on for months now since XXXX and is now impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I contacted XXXX/XXXX  credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my Experian credit monitoring, letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from XXXX. I immediately contacted XXXX and questioned the reporting. I was told that a charge was applied to my XXXX account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and XXXX no longer existed. I also did not have access even to pay the XXXX account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. 

This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX  management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX to the IRS filling out form 3949- A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS. I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Credit reporting or other personal consumer reports

I have sent off letters to XXXX, Experian and XXXX requesting that incorrect personal info be removed from my credit report such as nonmailable addresses, incorrect aliases and Un reachable phone numbers off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my  credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information XXXX XXXX XXXX  usa # XXXX was closed and paid 5 years ago. These accounts are also on Equifax which also hasn't removed these accounts. Equifax had an account that was 10 years old as well. From XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has a fraud alert against me that is preventing me from getting a replacement of my XXXX XXXX XXXX. Have contacted Transunion multiple times to remove any fraud alert that they have on my account, but this still have not been done. This is preventing me from getting a replacement credit card and any new credit card
Product: Credit card

I has a credit card with Capital one for {$3000.00}, I made several payments towards that balance and they took the money and never applied it to my balance and closed the acct and now it's reporting as charges off with a balance {$3500.00}. In which I never received a 1099c if they have already wrote it off as a tax write and they are reporting inaccurate balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reported late for XXXX and XX/XX/2022. The website allowed me to submits for a deferral request for the XX/XX/2022 payment. I feel that is misleading because it was not able to be honored I have attached photos below. The XXXX payment was pairs within 30 days. Payment was due XX/XX/XXXX. I made payment XX/XX/XXXX, that is XXXX days. That needs to be correct on my credit report. I have attached payment history below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX. XXXX, AND eQUIFAX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer.

I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via XXXX. The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law. 

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately
Product: Debt collection

I am still making making monthly payments and the payments are not being made to no Medicredi Collection.
Product: Student loan

Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment &amp; Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.