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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them .I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently and my customer are really upset about that. My email linked to my PayPal is XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received a text message from an unknown number claiming to be my boss, XXXX XXXX. My boss travels a lot and I would not find it uncommon if she had a different number. I was asked to do a favor which involved purchasing XXXX gift cards, and then taking a picture of the gift card and sending it via text to the phone number. The number is XXXX. I first went to the XXXX located in XXXX Massachusetts where I purchased XXXX XXXX gift cards worth {$250.00}. I used my debit card for the purchase. I was asked to send a picture of the card via text and was told that these gift cards were being used for clients. I was told to save the receipts and that I would be reimbursed. I was then asked to purchase XXXX more XXXX gift cards worth {$250.00}. At this time the person on the text told me when they got off the conference call they had great news for me. I was then sent to XXXX to purchase more gift cards. I once again purchased two more XXXX Gift Cards that were worth {$250.00} each. When I went to purchase two more the associate at XXXX proceeded to ask me if I knew who these were going to. I answered that it was my boss that was texting me and that is when she asked if I recognized the number as there have been lots of people getting scammed lately. At this time I realized that could be happening to me. I texted the number back to say that my card was denied. ( which it was not. ) the person on the other line, then asked if I could go to an ATM and get cash. I asked for the person to call me and they stated they could not because they were on a conference call. I then asked for them to text me from the cell phone number that I knew was my boss XXXX XXXX. At this time the person stated they did not have the phone with them. They proceeded to keep asking me if I got more money and that the clients were waiting on me. I blocked the phone number and went to the police station to report the incident. I then called M and T bank to report what happened. My debit card was canceled that night .on Monday XX/XX/2023 my husband dropped off the police report to our local M and T branch in XXXX Massachusetts XXXX We asked for it to be faxed to the investigating team. I called on Tuesday the XXXX XXXX to confirm it had been faxed, which they stated it was. When I checked with the bank on Friday via email, I was told that they denied my dispute and never received the police report. I called the bank to request an appeal on Saturday, XX/XX/XXXX. I also reported the scam to XXXX and gave them the gift card numbers on Monday, XX/XX/2023 but they stated that the gift cards had already been redeemed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. Account : XXXX XXXX is reporting an updated status on my XXXX credit report as ( PAANL ) paid as agreed never late but its not reflecting on my Experian credit report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. I am requesting that this account be updated immediately for complete accuracy or remove the account.
Product: Credit reporting or other personal consumer reports

I NOTICED THIS ISSUE IN XXXX INCORRECT INFORMATION NEEDS TO BE REMOVED : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX # XXXX**** INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, LAST PAYMENT. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( 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: Mortgage

I own a small plumbing business and have been struggling to make ends meet since the beginning of XXXX due to COVID. I was approved for a forbearance plan in XX/XX/XXXX by LoanCare, my mortgage servicer. In XXXX, XXXX I was forced to transition off of the forbearance plan and do not have the funds available to pay the back amount. LoanCare approved me for a Deferral Plan on XX/XX/XXXX but indicated i needed to pay a contractual payment of {$400.00}. I mailed the payment in XXXX and on XX/XX/XXXX I accepted the agreement via email. LoanCare cashed the payment and put it towards a regular monthly payment as a suspended " Unapplied balance '' then failed to update my mortgage payment terms and due date as outlined in the deferment agreement. I tried to make a payment under the deferment and they applied it incorrectly. It was applied to a past due amount that was supposed to be deferred. Since then they sent a letter that refer to my acceptance of a " repayment plan '' which would extend my mortgage term for 40 years! Then days later, I will receive another letter talking about about " missed payments '' or an ACT 91 packet. Most disturbing is the way they are trying to mislead me by removing any mention of Deferral Plan as an option for me even though that option should be available to me as a XXXX XXXXowned mortgage. 

I have called numerous times starting in XXXX for an update on the deferment agreement paperwork and when my account will be updated. Each time, I need to re-explain the situation, confirm again that I accepted the deferral plan and do not want the repayment plan. I am told they updated the system to reinstate the deferment update and the paperwork will be sent out. To date, LoanCare/XXXX has not updated my mortgage account with the deferment and I am extremely stressed and concerned I will lose my home. In addition to struggling to save my business, I suffered the devastating loss of both my parents last XXXX and XXXX so am trying to take care of their affairs on top of everything else. 

I have pleaded with this company to process the deferral agreement since i don't have the funds for a repayment and need it done immediately. Since my previous attempts to resolve the issue with LoanCare have failed, I have submitted the attached " Qualifed written request '' to LoanCare. I would appreciate your help to ensure they correct the errors made immediately and freeze any further foreclosure communications or proceedings until this is resolved.
Product: Debt collection

Subject : Dispute and Cease Unauthorized Use of Personal Spiritual Beliefs Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of extreme importance and urgency regarding the unauthorized use of my personal information for financial gain. It has come to my attention that you have been utilizing my personal information, particularly my spiritual beliefs, without my consent and in a manner that has resulted in monetary gain for you or your organization. First and foremost, I would like to clarify that my spiritual beliefs and the state of my soul are deeply personal and private matters. As such, any usage or dissemination of these aspects of my identity requires explicit permission from me. I would like to emphasize that I have never granted you or anyone associated with you the right to use my spiritual beliefs for any purpose, let alone profiting from them. According to the information at my disposal, it appears that you have been using my spiritual beliefs in a commercial and monetary context. Such unauthorized exploitation is not only ethically objectionable but also legally prohibited. I am hereby notifying you that your actions are in direct violation of my rights as an individual and are subject to severe penalties under applicable laws. As the unauthorized use of my personal information carries significant consequences, I demand that you immediately cease and desist from using my spiritual beliefs, or any other personal information, without my explicit consent. Furthermore, you are required to provide a written statement within seven ( 7 ) days from the date of receipt of this letter confirming that you have complied with my demand and ceased all unauthorized usage of my personal information. I wish to remind you that unauthorized use of personal information is a breach of privacy and may cause significant harm to me, including financial, emotional, and reputational damage. Should you fail to comply with this demand, I will have no choice but to take legal action against you to seek compensation for the damages incurred. Please be aware that the misuse of personal information can result in significant financial penalties, including a fine of {$250000.00} for each instance of unauthorized use. Considering the seriousness of this matter, I trust that you will give due consideration to my concerns and take immediate action to rectify the situation. Kindly provide a written response within fourteen ( 14 ) days from the date of this letter, confirming that you have ceased the unauthorized use of my personal information and will refrain from any further misconduct. Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Should you require any additional information or have any further questions, please do not hesitate to contact me using the information provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Many Concern : XX/XX/2019, I sent a settlement payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the law office of XXXX XXXX XXXX/Tidewater Finance Company account. My attorney was told that once payment was received the settlement would be reported to all three credit bureaus. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Tidewater has reported the account is still charged off with a balance of {$10.00}, XXXX. The continual reporting the wrong information is continuing to hurt me and my husband 's credit. I have called Tidewater directly about this matter and was told it has been reported. The attorney on the case has been contacted by email by me on two occasions and my attorney on two occasions. It is now XX/XX/XXXX and all three credit bureaus does not have the correct information. 


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Product: Debt collection

On XX/XX/2020 I received a letter in the US postal mail from the collection agency American Coradius International LLC stating that I owe the creditor XXXX, XXXX {$1900.00}. This in not correct. I have no transactions on my XXXX account ever. I made several attempts to contact XXXX by phone and could not get through. I was redirected to sending an email to XXXX. 
I sent an email per the XXXX instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from XXXX in response to my email on XXXX.
Product: Student loan

I took out a loan with Sallie Mae for education. I borrowed $ XXXX. I entered bankruptcy XXXX XXXXXXXX in 2016 for 5 years. Sallie Mae XXXX my account so I could t see how payments were applied. I paid a lot through bankruptcy. When it was over I got access and now owe $ XXXX with interest and principle was around $ XXXX from compounded interest ( which seems allowable per contract ). I had no payments due so I called to inquire why. They stated I had over $ XXXX pay ahead. I asked how thats possible as my payments should have been paying against my loan and I dont want my payments just sitting there and apply it towards my loan. 

After several calls and much back and forth they stated my pay ahead is just payments unapplied and I requested they cancel it and apply payment to my principle if I overpaid. They cancelled it. I no longer have a overpayment and my balance didnt decrease at all. Ive asked for backup docs. Docs on how payments applied etc and they wont give me anything. I need help. I live in California and did when I took out the loan as well if it matters.
Product: Prepaid card

I tried to use my AMEX GIFT CARD at XXXX  in person, online, at XXXX on line, XXXX XXXX on line, and XXXX, each retailer declined the card. Called AMEX 3 times, asked for a supervisor because the custmer service rep could not help me, was put on hold for 20+ min each time, called back same thing. No one can tell me why the card keeps getting decline, every time there was a different answer and when I questioned it they had no response. I have one card fro {$160.00} and one for {$220.00} that are useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 reporting or other personal consumer reports

I am seeking your support concerning this incorrect account reported on my credit report. This has negatively impacted my reputation, and I need your assistance.
Product: Bank account or service

I made a purchase with my debit card and the retailer processed it but claimed it never collected, so I was instructed to cancel my order and re-order. I did so and my money was not refunded. I disputed the transaction with SunTrust and provided all the documentation from the retailer showing the transaction, the cancellation, and the details of the amount ( {$720.00} ). This dispute was placed on XX/XX/XXXX and every time I inquire about the status, I get a canned response that they are " still looking into it. '' It 's been almost 3 months, I 'm a single working mother and need that money back. Suntrust has refused to provide any details about their " Investigation ''. XXXX XXXX, the retailer, has offered to do a conference call with Suntrust, but I was told that is " not procedure ''. Not only should the " investigation '' have been completely black and white, I should be provided with specific and factual updates as to their " investigation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$250.00} ; XXXX  XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$380.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information on their credit report that was result of identity theft. Because my information was disclose in the Data Breach and the Dark Web, I have several FRAUDULENT ACCOUNTS that should be blocked and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These Accounts are dur to the Data Breach, therefore they should be removed immediately from my consumer report.

15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Debt collection

Hello. I hope I can get this issue resolved because it has literally ruined my life. I submitted a complaint to Credit Acceptance back in XXXX and the complaint was closed due to the fact that a judgment was against me and the company won by default. I didn't get a chance to take up for myself in court because I had just XXXX XXXX XXXX XXXX  I was not provided enough time to respond to the judgment and a date was set for me to appear in court. I was unable to. So the judgment was rendered in their favor. From the last complaint in XXXX that was filed, Credit Acceptance stated that a judgement was against me and that it was valid. They also included a report that showed the contracts, correspondence, and transaction reports regarding payments that was made over the years. I will include this report on here. The issue is the fact that it has been over 10 years and they are still trying to collect on this account that should have been paid by now. The judgment rendered that I would be garnished until the debt was paid which judging from the last payment in the report from the XXXX complaint was {$440.00} and the balance was {$1600.00}. I was garnished plenty of times from that point on which is stated in the report. I will attach this report from the companys attorney. The attorney office told me from the call me and the paralegal had on XX/XX/XXXX, that the balance is totally different and that I actually owe more from what was stated on the report. Either the balance was incorrect in XXXX from Credit Acceptance or the attorney office has it wrong and they are trumping up finance or interest charges. When the judgment was rendered back in XXXX, it was to my understanding that I owed the debt to Credit Acceptance and to pay until the debt was paid and cleared. They have recently started to garnish my wages and they are taking {$270.00} out of every paycheck which I will also include in the attachments. Me and my family were recently homeless and currently we are without a vehicle. Every XXXX I am making is to take care of my family so we will not be homeless again. I believe the amounts they are suggesting I need to pay is incorrect and the amounts are inconsistent with the evidence provided by the company in XXXX Credit Acceptance and their attorney in my understanding suppose to have the same information and it should be provided to me upon request before any garnishments are being taken out. This account is 10 years old and I believe the information is not correct and their method of reaching out or providing such information has not been correct.