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

In XX/XX/2018, I became a victim of identity theft. Several accounts were fraudulently opened in my name. I immediately disputed the the accounts and after investigations by the credit agencies, the accounts were declared fraudulent and removed from my credit reports. In addition to the dispute, I also submitted affidavits, a police report and other documents as requested. 
However, one of the fraudulent accounts, a XXXX XXXX XXXX XXXX Account, was not deleted from my Experian credit report, although it was deleted from my XXXX XXXX as well as my XXXX reports. 
I have called XXXX XXXX XXXX XXXX and Experian numerous times and have been told from representatives from both companies that they are aware the account was not opened by me and I am not responsible for the charges yet XXXX XXXX XXXX XXXX continues to bill me for a {$20000.00} and Experian continues to show the account on my credit report. 
It's difficult for me to know who to contact to have these fraudulent charges removed, and now I'm asking for your help. 
I have all of my documentation which I can send upon request. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2016 I sold my side by side! I was givin a check witch was approve by XXXX XXXX The check was sent to them for the payoff witch was $ XXXXI got a receipt the the side by side was payed in full.Now they are trying to tell me I owe them {$13000.00} and are steadily adding interest.This has caused me a lot of stress.I wasnt able to get my XXXX XXXX refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed XXXXXXXX XXXX account ( XXXX ) due to identity theft and submitted supporting documentation and an Identity Theft affidavit. An investigation was conducted resulting in both disputed accounts being deleted. However, the XXXXXXXX XXXX account XXXX has been reinserted into my credit report. I was never notified by Experian as required by FCRA 611 Procedures in case on disputed accuracy [ 15 U.S.C. 1681i ] ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information.
Product: Payday loan, title loan, or personal loan

Company was sent a letter to revoke ACH/Debit card transaction. They created a check an submitted it to my bank without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX XXXX XXXX we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Credit report shows that XXXX that I lived at XXXX XXXX XXXX XXXX XXXX Ne XXXX I have never lived in XXXX , NE I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Iowa XXXX since XX/XX/XXXX. 

2. Credit report also shows I still work for XXXX XXXX XXXX I have worked at XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX 3. The Bankruptcy was related to my Wife 's failed XXXX  lease.
Product: Payday loan, title loan, or personal loan

I tried to receive a PPP loan from Rockland Trust. This is the second draw loan for my business which has been shut down since XXXX of XXXX due to Covid-19. I originally applied for a second draw PPP loan in XXXX once Rockland Trust began accepting requests. I am a sole prop seasonal business under the SBA guidelines released. I was approved for a second draw PPP loan on XX/XX/XXXX. Around this same time the Biden administration released updated guidance for sole props allowing them to use gross income instead of net income to calculate their loan amount. This change would significantly increase my loan amount. My loan officer, XXXX XXXX and I made the decision to not continue with the second draw and instead apply under the new guidelines resulting in a loan amount around {$23000.00} vs {$8500.00}. Once guidance was released to banks, I submitted a second draw loan application immediately. The only change I made from the initial second draw application was using gross income instead of net income to determine the loan amount. In this application I used the sole prop seasonal business calculation worksheet provided by Rockland Trust. After many weeks of back and forth since most reviewers and loan officers at Rockland Trust do not understand the SBA guidelines, I was denied for my loan today stating that sole props can not be considered seasonal businesses. Rockland Trust had already approved my business for two loans under the seasonal business calculation. They have also dragged their feet up to the deadline ( XX/XX/XXXX ) to process these applications. I am now being denied my loan unless I consider my seasonal business non seasonal. Rockland Trust is making up new rules on the final day of the loan eligibility deadline in order to refuse service. I have business accounts with Rockland Trust and have had nothing but issues with Rockland Trust and the PPP loan process since early XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

on XX/XX/XXXX i did a bill pay from my XXXX XXXXXXXX account, which on that day became XXXX XXXX, but XXXX did not send out any notices they were changing the format on bill pay so i did a XXXX bill pay to my Bank of America XXXX card but cause of XXXX new system became XXXX dollars in stead of XXXXthey payment was received on XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX i called about it and was told it was first needing to be checked for fraud or money laudering due to the nature of the over payment... On XX/XX/XXXX i called to inquire since the 10 days were up and told it would take 2 to 5 business days to get it wired back into my accountXXXX XX/XX/XXXX i called cause now the 10 day research and 5 day send back had both expired and customer service told me on the XXXX XXXX it was initiated and would take 10 more business days ... I understand doing procedures but at no time has boa even called asking for XXXX XXXX XXXX statements to see how long i have had the money or any questions as at all how it happened as you cant speak to the department looking into this...
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Cash App ( Block , Inc. ) for Violations of Consumer Financial Protection Laws I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ).

Details of Complaint : 1. Fraud Prevention and Account Vulnerability : Cash App failed to take timely and effective measures to prevent and address fraud on their platform. My account ( XXXX XXXXXXXX ) was left vulnerable, and I was forced to close it, switching from my Chase Bank account to a new account due to these security concerns.

2. Deceptive Dispute Resolution Process : Cash Apps dispute resolution process was unfair and deceptive. They failed to comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These violations caused significant inconvenience, financial loss, and a lack of trust in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account # XXXX I did not give Flagship Credit Acceptance LLC my consent to report my information to any non-affiliated third party. You furnished the information to the consumer reporting agencies not the other way around. Before my personal information is furnished, I was supposed to receive 3 disclosures.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes. Their inaccurate reporting has damaged my livelihood and reputation and is causing actual damages. 

I have recently come across information from the Federal Trade Commission website, more specifically the Graham Leach Bailey Act & Truth In Lending Act which I attached below.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Lastly, this account is passed the statue of limitations and must be DELETED from all consumer reporting agencies immediately. 

A written response is attached below.
Product: Student loan

To whom it may concern, I want to file a complaint against both Coast Professional ( Collection Agency on behalf of US Dept. of Edu ) and the US Dept. of Edu. I have been dealing with Coast for  several years in regards to my defaulted student loans. Last year we set up a plan where I had to pay {$5.00} a month in order to avoid garnishment. Of course this will never pay it off, but it was something until I can afford more and I did make larger payments when able to. Coast had my bank account and was auto drafting  monthly. XX/XX/XXXX was the last payment drafted and its unclear why the discontinued drafting. In XXXX I called the US Dept. of Edu to see if there was an issue. Since I have started school  again, I thought maybe the loans were now in forbearance. I was assured my loans were current and I was not in danger of garnishment. On XX/XX/XXXX I received a very low paycheck and saw my wages were garnished. I contacted the dept. of Edu who said everything had to go through Coast. I provided them information the very same day for an AGW   hearing request and have been getting the run around from them ever since. Yesterday I called the dept. of Edu and they claim to not have any info about a hearing. Three months this has been going on. I had a XXXX XXXX last year and bought a house. This is putting me in a financial bind and there is literally nothing I can do. Every time I call Coast, they claim to have not received the last paper, but go to the email and Oh there it is! I am a manager ; I assure you this will be sent today. However it never is. This is incredibly frustrating and I am at a loss as to what today. I am happy to make payments but 15 % is not feasible. I have XXXX  children in daycare, I can not do this. 

Please help me resolve this. 

Thank you. 

XXXX XXXX ( XXXX on account )
Product: Money transfer, virtual currency, or money service

I recently received a phone call from Paypal explaining that my funds were not with Paypal. I also received a letter explaining why my I never received my refund. The letter stated that it was because I did a chargeback on the issued refund, which is not true as I did not have access to this card due to it being closed more than a month before the refund was issued. I began a claim with XXXX XXXX and they told me that although they did receive the refund on XX/XX/2023, they sent it back because they don't keep money for closed accounts. On XX/XX/2023 they sent the money back to Paypal, the reference number for this return is XXXX XXXX.
Product: Credit card or prepaid card

There was a discover card was open in my name account number ending XXXX and I never applied for it and nor had the card in my pocket or anywhere and I called XXXX and open up a case and they were rude to me and I was upset that I had to change my number and they holding me responsible for XXXX bill that I never do and its still on my credit report ... and they closed my case and denied my request to reopen it ... .. and holding me responsible for this card that Im not interested in
Product: Mortgage

Good Morning. This is my XXXX  attempt to reach out to you. I have gave the lender everything they needed with the Documents and I always keep in touch with them as well. The last Document they needed was occupancy of my home. Which I sent already. I just went to Doctors yesterday and got my results back. I have XXXX. and so does my Son. I can hardly move, my whole body aches, and I can't swallow, sore throat. My younger Daughter will probably get it next. I hope you take this claim seriously. Because this is really serious and hard for my Family and I to lose our home. I have XXXX XXXX XXXX lined up for Interviews. But I need to fight this virus and take care of my kids so I can get back to work. We have also need to XXXX. Doctors my Doctor said. We really want to save our home not sell it. Please help! Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. NAME / ACCOUNT NUMBER 2. NAME / ACCOUNT NUMBER 3. NAME / ACCOUNT NUMBER 4. NAME / ACCOUNT NUMBER As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : XXXX, XXXX, and TransUnion Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.