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

Hello there, I initially sent this message with a previous report but XXXX responded and let me know that their issuing bank XXXXXXXX XXXX is the one reporting to the credit bureau. 
A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. On XX/XX/2023 XXXX XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my XXXX. I immediately contacted XXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on Transunion and XXXX. 
I lost XXXX points on XXXX and Transunion but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since XXXX XXXX is completely incompetent and has refused to do their job. 
My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with Equifax, XXXX  and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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

An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
Product: Credit reporting or other personal consumer reports

HI, I am oveer XXXX years old, I check my credit report for the very first time and I come to find my SOCIAL SECURITY Information has been used to do things that were not mine, i have completed an identity theft report please i ask you help me remove these things that are wrongfully reporting on my file .... this should be illegal to take advatange of ederly people. 
Please see attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My loans began in XX/XX/XXXXwhen my first of 3 children went to college. These were government loans through Sallie Mae. These loans went through various payments, deferments, etc. while various payments and interest was applied. In XX/XX/XXXX, there were 2 loans left and they were consolidated and a set amount was paid monthly on time since then. Progress has been slow because the interest rate is 8 % and in many discussions with Sallie Mae, they advised the way to get ahead was to apply lump sums to the principle and that will help move closer to paying these off. Navient is the servicing company now and I have started making lump sum payments but they refuse to apply them as I ask ... They take the interest and say they must split my payments and take all their interest first. This is illegal and they are stealing money from millions of people trying to pay back loans. I see that there is a pending law suit for just this practice and I want to join in because they have done this and I am forced to continue to work at age 70 to pay these off. I support paying for my loans but they are trying to make themselves rich at others expense.
Product: Credit card

Ordered item off XXXX using PayPal credit, seller shipped item. Item wasn't shipped to my address, XXXX  tracking number shows wrong town and different person signed for said item. PayPal Credit denied my claim after all this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX alerted me that someone made a hard inquiry on my credit report XX/XX/23 through Bank of America. This is identity theft as I do not use that bank and did not make a credit inquiry. XXXX has filled a dispute and I am contacting Bank of America now. I would like my credit files marked as identity theft attempts.
Product: Money transfer, virtual currency, or money service

I used to own a high end watch resale company, based in XXXX FL. I used PayPal to process my clients credit card payments. After having my account open for more than a decade AND having been approved for more than XXXX XXXX dollars in processing monthly, my account was in a great position to carry my company to the next level. I was preparing to expand, hiring XXXX employees and investing in sponsorship with the XXXX  XXXX. Every transaction included serial numbers from each timepiece, tracking from XXXX overnight and insured shipping, in addition to calling PayPal to confirm that my account was set to handle the transactions without any issues. Additionally, I paid my supplier from PayPal, to keep the transaction locations in XXXX location. 

In XXXX of 2021, I was in XXXX conducting business. My client ordered another few pieces, so I charged him via PayPal. Immediately, my account, the buyers account AND the suppliers accounts were frozen. All funds left in each account. I received a message that within XXXX XXXX, the funds would be released. I tried multiple times to contact PayPal and settle the issue, but to no avail. They told me there was nothing that could be done. 

On XX/XX/2021, PayPal removed {$71000.00} from account. There was no warning, no communication. To this day, I am approved for over XXXX XXXX dollars of processing on this account, which is frozen and unavailable for transactions. My business had to be shut down. I could no longer conduct business, as all my liquid was lost in the theft from PayPal. I hired a lawyer on contingency around XXXXXXXX XXXX ago to handle retrieving the money, but they didnt get an answer from the demand letter and I can not afford the money needed to continue pursuing PayPal XXXX They have robbed me of my income and the XXXXXXXX XXXX it took me to build a reputation strong enough to get the clients I had. I couldnt process payments from them any longer, as a new processing account only allows at most XXXX of processing. I look to XXXX to provide and I look to CFPB to help me communicate with PayPal and XXXX retrieve my families hard work. 

Thank you so much for your consideration, patience and understanding. 

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

I contacted Experian on XXXX to inform Experian that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. 
XXXX  XXXX {$720.00}, XXXX  XXXX {$0.00}, XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX I obtained copies of my credit report and noticed several inaccuracies on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

Transunion has an incorrect address on my credit report. It should have XXXX XXXX XXXX XXXX, Ohio XXXX instead of XXXX XXXX XXXX XXXX Ohio XXXX. Transunion also has Employment information that I have never worked at XXXX XXXX XXXX, and Business Owner. Also has XXXX inquiries that I have not authorized anyone to pull my Transunion credit file. XXXX  XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023. Please update to my correct address and remove all other incorrect information
Product: Credit reporting or other personal consumer reports

Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c Dear Trans Union I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. 

I recently sent a letter to the collection agency XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 

Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

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

I was surprised to find multiple accounts on my credit report that I have no knowledge of. These accounts were not opened or authorized by me, yet they are being reported under my name, creating a completely false and misleading credit profile. I need to know why this has happened and how these errors can be corrected immediately.
Product: Credit reporting or other personal consumer reports

The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints for unlawful practices, violating my consumer rights. I have not authorized any agency to report any derogatory, erroneous information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Your agencys failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Your agencys failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : Fraudulent Transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My account from the University of XXXX XXXX ( the original creditor ) was sent to GLA by mistake on XX/XX/2020. I contacted the original creditor and they took the debt back from GLA on XX/XX/2020. GLA never contacted me about the debt, gave me the chance to dispute, or made any attempts to collect, however in XX/XX/2020 they reported three collections accounts to my credit report in the amounts of {$62.00}, {$95.00}, and {$47.00}. I contacted the original creditor and they confirmed that they did, in fact, take the debt back in XXXX. However, GLA refuses to admit that the debt was taken back and they will not remove it from my credit report. I even contacted GLA on XX/XX/2020, during which call the representative admitted to me that they did not own the debt, yet insisted that they would not remove it from my credit unless the original creditor contacted them again because " they did not have any record of the debt being taken back. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit card

To whom it may concern, I have received the email in XX/XX/XXXX attached with promo offer from Citi bank in my email and on my Citi bank app from the XXXX  I opened in XXXX and opened the checking account in XX/XX/XXXX. The requirements to get XXXX were met after I called the bank prior processing deposits to confirm. The agent has confirmed this is what I was suppose to do to deposit over {$1000.00} and spend them within 60 days. In XXXX when I called inquiring about the mileage the first inquiry was sent to the department handling promo offers I have received similar letter attached stating I was not eligible and should submit proof of my offer sent to me. 
Since then I lost count how many times I have called and all the agents are located in XXXX, some stated they have never heard of this offer before. XXXX person on the phone from cc side gave me an email I emailed my offer to but never heard back. ( Attached ) then I called debit side and they told me I could either mail offer or fax it ( attached ) but it went nowhere too. On XX/XX/XXXX when I called I was connected to XXXX  account manager and after total of XXXX hours on the phone between city and XXXX XXXX  confirmed the offer didnt come from them. Then I was connected to a supervisor who opened another dispute and I received another rejection notice.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account because my friend used Venmo more than PayPal. As we spoke he wanted to send me money to help with purchasing plane tickets for my children to come visit them. I set up the account on venmo, verified my banking information and he sent the funds. I received notification that I received the funds and the email stated I could then transfer the funds to my bank. When I tried to do this I got an error message and went back to the home page and was surprised to see it say my account was suspended. I then tried to contact venmo via phone. When I finally got thru to a agent I was told this could days if not weeks to receive notification of why the account was suspended let alone until the account was unfrozen. I then went to chat and eventually was told the same thing. I have still not received any notification of why it was suspended or a projected timeline of when my funds would be released. Regardless to say Im very irritated as the tickets will cost more now as we approach the date of departure. Plus as with all the stories I heard between my friend and I could be out over XXXX XXXX dollars. Thanks Venmo. I guess Ill stick to other services.
Product: Credit reporting or other personal consumer reports

I looked at my credit reports, and noticed some things are incomplete and not accurate. 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. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.