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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section XXXX : also states A consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was notified by Paypal that my account of 19 years was being permanently canceled due to my having used, fraudulent or stolen information when I opened my account. As I had had my account for nearly 20 years it seemed to me that there was an error that needed correcting. I contacted them by telephone that same day and was told that an appeal would be opened and that I could xpect to hear vrom them within three days. Having not heard back from them by Wednesday, XX/XX/XXXX I called again and was informed that the person with whom I first spoke was in error and that no appeal was possible. I have a cash balance of {$60.00} that they have impounded for a period of 180 days. I stated that I did not agree to that length as appropriate but the Paypal representative with whom I was speaking said it was in the user agreement. 

My position is that I have not violated the user agreement and they have not offered any proof that I have or even said specifically what the stolen or fraudulent information thay accused me of providing was. To accuse someone of providing stolen or fraudulent information is a serious charge. It needs to be backed up with facts and the person accused should have the opportunity to present any information that would be exculpatory. To make a blind accusation and use it as a predicate for impounding funds in their care is a dangerous prerogative they are assuming unto themselves. 

There is also the humiliation of being treated as a criminal after so long an association and to have scheduled payments suddenly not being met is deeply embarrassing. 
I believe I am entitled to a hearing to show that I have not acted in a manner as accused and that my account should be restored and their practice of arbitrary decision taking needs to provide for dialog in matters of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Equifax report immediately : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan in reporting as late for XX/XX/2019 and XX/XX/2019. It should be covered by the unemployment deferment period. Acct number is XXXX
Product: Debt collection

Comapny name merchants credit in Washington state continue to threaten me and family .By send representative to my house and threatened my minor son who is XXXX XXXX if he doesn't call his father now.Threw papers at him since he didn't understand anything .This company merchants credit continue contact me even after i told them to stop.It was medical bill around {$1800.00} dollars That was due to an accidents another party hit me and i advised XXXX XXXX XXXX the original creditor that my injury attorney is working on it .XXXX advised me that merchants credit association is no longer their collection agency and they are not using because of repeated abuse and complaints.Merchants credit association and to threaten to sue me and harm my family to collect the bill .I told them several times to stop.Still continues to threaten by phone thru mail in person and thru credit reporting .This abuse need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 CHAPTER XXXX DISCHARGED 0 $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS TRANSUNION/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans and credit cards from XXXX XXXX XXXX with a balance of {$11000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$7000.00}, XXXX XXXX  with a balance of {$20000.00}, XXXX XXXX  with a balance of {$3900.00}, XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$10000.00} and XXXXXXXX XXXX XXXX XXXX with a balance of {$11000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

My Paypal account was hacked on XX/XX/18 for {$1200.00}. That money was refunded and I was advised to change my password which I did. My Paypal account was hacked again on XX/XX/18 for {$1800.00}. I contacted Paypal and they agreed that the action was unauthorized and I would get my money back. They have locked my account so no more money can be taken. However, since the account is locked, I can not access it to get my money transferred back to my bank account.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC, XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, Subject : Request for Removal of Unauthorized Soft Inquiries and Self Reporting Accounts Dear Experian, I need to get this stuff off my report it Is harming my credit. The laws regarding the deletion of inquiries on my credit report are primarily governed by the Fair Credit Reporting Act ( FCRA ). Here are some key points : 1. Disputing Inaccurate Information : Under the FCRA, if I find inaccurate or unverifiable information on my credit report, I have the right as the Consumer to dispute it. The credit reporting agencies ( Experian, XXXX, and XXXX ) are required to investigate your dispute.If the information can not be verified, it must be removed XXXX. 
2. Unauthorized Inquiries : If a company pulls your credit report without your consent, you can dispute these inquiries.The credit bureaus must remove any unauthorized inquiries from your report 2. 




XXXX XXXX  XXXX Inquired XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of birth XXXX Self-reported accounts Account nameXXXX SELFREPORTED Original creditorXXXX Account nameXXXX SELFREPORTED Original creditorXXXX Account nameXXXX SELFREPORTED Original creditorXXXX  Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a credit card account with BBVA compass bank which was opened in XXXX. 

1. There was a {$93.00} outstanding balance on the card in XX/XX/XXXX, for which I did not receive a bill and which BBVA compass posted as a late payment on my credit report. 

2. The outstanding balance only came to my attention following the damage to my credit report. At this point, I wrote a check made out to " XXXX XXXX '', as per the instructions of the bank 's collection department. The amount of {$93.00} was deducted from my XXXX XXXX XXXX Checking account on  XX/XX/XXXX. 

3. My credit reports were fixed to reflect that my BBVA compass account, which was a " Failure to pay '' had been updated to " paid as agreed '' status. 

4. In XXXX, XXXX and XX/XX/XXXX, I received emails from BBVA compass stating that my online bill was ready to view. 

5. I had earlier called compass bank and asked them to stop contacting me. The person on the phone could not confirm that the account was closed and was unable to acknowledge that I had paid the outstanding balance of {$93.00}. 

6. If I do not stop receiving unwanted email contact from BBVA compass, I will consider it email harassment and seek legal recourse in accordance with the laws of my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed some erroneous accounts with Equifax, XXXX and XXXX but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX XXXXXXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

I found this XXXX account on my credit fi le back in XXXX and after reporting it to all the credit agencies, they all removed it except for TransUnion. I spent countless hours on the phone with them and have submitted multiple disputes. They continue to do nothing and say the information was correct. I don't even know what XXXX is and at the time I was stationed in XXXX.
Product: Debt collection

frequent call culminating with calls to my girlfriend and leaving messages at her number...
Product: Payday loan, title loan, or personal loan

In XXXX I went with my girlfriend to Conn 's to buy 3 items and have them delivered to our new address. I had recieved a letter in the mail and decided to go with Conn 's since they had reached out to me and guaranteed my credit approval. When we got there were greeted by XXXX XXXX and we looked around. There were signs all over the store saying if you bought three Matching brand items you would recieve a 10 % discount. I picked up three matching brand items even going for a more expensive item so I could recieve the 10 % discount. I was told to sit and wait which I did. After 30 minutes I was told I was not approved and would have to go through another company. I told them I had a pre approval letter and an hour later the manager approved it. I sat down and waited another 30 minutes and had other customers go ahead of me. I finally stood at the counter to see what was going on and the manager assistant came up to the front desk and told me to sign at the bottom of an ipad and I could go and when I asked what I was signing I was told I would recieve an email stating everything. So since at this time it was XXXX and I have spent my evening there I signed the bottom. I was not given any paper documents until 3 weeks later in the mail i receieved a payment book with an outrageous amount. Thinking that was because they were charging interest after the two year aggreement I called and was hung up on 5 times! I set the bill up an auto pay and aggreed to the monthly payment until I could get the billing sorted out and not have it show on my credit poorly. When the first payment came due and they were to auto draft ONE monthly payment they withdrew the whole balance of {$3800.00} with all of the interest. When I call them they give me the run around and tell me that they are trying to process my request. They withdrew from my bank account causing me to have money issues since I recently had also lost my job. Conn 's uses deceptive sale tactics and has taken more money from me then I owed. They told me on XX/XX/XXXX I would receive my refund with in 30 days in the mail. When I called back on XX/XX/XXXX to check the status of my refundI was told it had only been 12 business days and they would need more time to even approve it.
Product: Credit reporting or other personal consumer reports

Company continues to report to credit bureaus incorrect information regarding account status. XXXX no action taken. XXXX no actions taken reporting XXXX  on report.
Product: Credit card

We have received notices from Wells Fargo and XXXX that Credit Cards were applied ( and opened at Wells ). A personal loan was applied for and denied at XXXX. 

I have contacted each of the banks to have the account closed and verify there are no open accounts
Product: Debt collection

This company contacts me everyday Monday - Friday, xalls repeatedly throughout the day from XXXX XXXX - XXXX XXXX. They do not leave voicemails. The times I answered theres either no response and then call disconnects, Ive spoken to someone who requesting that I verify my information and when I ask whos calling or what its regarding they either hang up or refuse to answer my questions and keep asking questions, the people who call are rude.
Product: Checking or savings account

Payroll check for amount {$2900.00} was deposited on Friday XX/XX/18 into joint account shared with my wife. Chase has put a hold on this check and is collecting NSF fees of {$34.00} each occurrence on my auto pays because they continue to have my payroll check on hold for unknown reasons. 

Payroll at my company and XXXX who have issued the check have explained there is no reason why Chase should put a hold on a payroll check. Everyone else has been paid at my company from the same payroll.
Product: Checking or savings account

I received a check for a loan for a lawsuit. I deposited the check like I would normally do. I also receive payments from workers comepnesation and a payroll check as well never had issues with my account never overdrawn. The bank did charge me for an item twice and I filed a dispute on XX/XX/XXXX which until this day they havent returned my money. They have blocked my account because of the check loan I deposited. I havent been able to use my direct deposits nor have I received the pending amount for more then 10 days. I need results and their call center representative are no help.
Product: Checking or savings account

On XX/XX/XXXX. Our accounts were levied by the IRS. It was supposed to held for 21 days per the IRS Code and the letters that Key Bank was served. We resolved the issue on the XXXX and they sent Key Bank the release. We called on the XXXX to see when we can expect the funds to be redeposited from the hold. At that time. They told us that the funds were gone. That they sent them to the IRS already. It was a mistake. Nobody knows where our funds are and nobody knows when we are getting them back. This is roughly 20k. Would love assistance. Thank you.
Product: Credit card

my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement. 
According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.

From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a loan XXXX XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.
Product: Debt collection

I raised concern via CFPB regarding USAA debt collection and reporting practices for two charged off accounts. 

I was contacted today, XX/XX/26 by XXXX who stated she works for the CEO. She also ensured to inform me the call was an attempt to collect a debt. 
Without addressing my concerns that I raised, XXXX went on to notify me that there was actually another charge off not reporting and she made a request to have it added to my credit report ( retaliation l? ). When I asked for the date of delinquency she first didnt have it then after I stated such she claimed XXXX XXXX making this account beyond reporting to XXXX. 
USAA has also over drawn my checking account after assuring me this wouldnt happen- now Im questioning if this too is retaliatory?? 
How do we treat wounded service members this way? And this is the office of the CEO?