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

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see15 USC 41, et seq. ). 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint against PayPal regarding an issue I had with a transaction on the XXXX platform. 

On XX/XX/year>, I was contacted by a buyer through the XXXX website who wanted to purchase XXXX of my music discs. I provided the buyer with photos of the item 's condition and my PayPal email address to facilitate the payment. It's important to note that I was selling this disc as a private individual and did not have it listed for sale anywhere. 

Subsequently, the buyer claims to have received the disc in a scratched condition and now wants to return it. In essence, the buyer has damaged the disc ( potentially even copying it ) and is now attempting to send it back to me, treating me as the seller, and PayPal has supported this by freezing the funds in my account. 

I believe this is an unfair and unethical practice by PayPal, as I was not the actual seller of the item and should not be held responsible for the buyer 's actions. I have tried to resolve this issue with PayPal 's customer support, but they have not been helpful in addressing my concerns. 

I would greatly appreciate if the CFPB could investigate this matter and provide guidance on how to proceed. I am seeking a fair resolution that does not penalize me for a transaction I did not initiate as a seller. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I do not recognize this account this is reporting inaccurate information on my credit report
Product: Student loan

See attached letter. 

In short, a third-party with questionable standing attempted to garnish my wages. I appealed, listing a number of objections. The appeal was conducted by Educational Credit Management Corporation, and was mishandled in the following ways : 1 ) The collection agency made no showing that requirements under 20 U.S.C. 1095a, et seq. had been met. 

2 ) I was denied appropriate procedural due process.

3 ) The lender did not produce my complete file, in fact produced almost no evidence, and the unproduced evidence should have been ( but was not ) viewed through the lens of adverse inference.

4 ) The decision relied on prejudicially incorrect or misleading Findings of Fact.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts appear without explanation. I regularly review my report, but this time, there were unexpected discrepancies. I even refreshed my browser to see if it was a technical issue, but the inaccuracies remained. Given this situation, I am requesting a thorough review of the documents I provided so I can have peace of mind moving forward.
Product: Credit card or prepaid card

My account is in deferment due to COVID 19. I am XXXX. The credit card company is still charging interest on my balance. this is not helping me. by doing this, they are forcing my account to go over its limit, and will accrue penalties for this. I can not pay my bills. This needs to stop, the accrued interest. These companies are making a profit. 
I asked to have the apr reduced, they will not.
Product: Credit reporting or other personal consumer reports

I am very highly disappointed. Ive used Lexington Law for over 3 yrs. Starting back in 2020. Ive had several third party companies contact me using the information that was giving to Lexington Law. Ive also went through XXXX and high waters to get some negative reports removed from my credit due to Lexington law. Ive emailed, called and still no one seems to care enough to help me fix this mess Lexington law has got me in. I have completely emptied my savings due to Lexington law. They have charged me countless of times. Taking money from my bank account with no explanation as to why. Please help. I have all necessary information thats needed to look further into this matter. Please help me. I am at the end of my rope and I can not live life this! My life feels ruined. I am almost unsure as to if I should carryon this life like this.
Product: Debt collection

Southwest Recovery is trying to collect on 2 debits that are due to identy theft. 

They claim i opened a account on XX/XX/2020 and have collections for {$650.00} and {$1300.00} they have not provided me with anything when i called and told them i am a victim of identity theft. They have shown gross negligence when handling the issue. They have no provided me anything.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NY XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX NY XXXX Balance Owed : {$5000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for 3 inquiries on my credit report. I have contacted the creditors and they are telling me to contact the car dealership but the car dealership said they can not remove a inquiry not submitted directly by them. They didnt receive authorization to run our reports with other companies. Equifax refused to investigate calling all inquiries factual records. This is not only incorrect but a violation of FCRA to not do a proper investigation of any dispute, Inquiry or account related.
Product: Credit reporting or other personal consumer reports

This Account have violated my rights According to FCRA XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Product: Debt collection

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( XXXX XXXX XXXX XXXX ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Product: Debt collection

They put a levy on my checking account and took my whole SSXXXXI check, completely wiped me out for the month. I had to go as far as borrowing the rent money from my step son. would really like to know if this is legal or is there something i can do? I cant even use my checking in fear that all the money will disapear,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

This is about the 7th time my loan has been sold and now it has been sold again to the rinky dink operation  Loancare , LLC. I have a 15 day grace period on my loan and paid my loan on the XXXX through their website and was charged a {$10.00} fee because it was 10 days after my due date. Isn't this considered a late fee? I emailed them and this is the response I received : Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Fee Inquiry Dear Valued Customer, Thank you for contacting us.

Our payment fee schedule is as follows : On the website : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system : {$12.00} All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Customer Support PO Box XXXX XXXX  XXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 
*** this email was scanned for malicious content *** Thank you!
Product: Bank account or service

Regarding claim # XXXX card was stolen, theft was reported in 48 hours, bank security measures failed to stop thieves from draining account or block card. Bank has received a signed affidavit I did not authorize the charges. Bank has received a police report. Despite clear law these are not legally required they were provided when requested and bank is using every measure possible to avoid obligations under federal law. If bank is behaving this way, they are doing the same thing to thousands of people and simply retaining the funds and assuming people do n't know the law or will simply grow tired of trying and give up. The bank is not the police. The bank is not allowed by law to police themselves and decide unilaterally whether a theft occurred or not. Instead of blaming customers, bank should augment its internal security measures on debit cards. I work hard for my money and I 'm not going to allow the bank to play games and waste my time when the law is clear. Bank has been reported to the XXXX and the OCC of the US Department of the Treasury. Also the continued responses on here that fail to answer why according to law the bank is retaining the funds are creating a pattern of evidence of clear illegal behavior. If institution can not employ adequate security measures on these cards, it 's their failing, not the customer 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted information to all credit bureaus including police reports, and identity theft affidavits. Due to being a victim of identity theft, several inquiries were made on my credit report that I did not authorize and are fraudulent. 

XXXX Sunday, XX/XX/XXXX XXXX  Friday, XX/XX/XXXX XXXX-XXXX  Friday, XX/XX/XXXX XXXX Wednesday, XX/XX/XXXX XXXX Card Tuesday, XX/XX/XXXX XXXX Card Thursday, XX/XX/XXXX XXXX XXXX  Wednesday, XX/XX/XXXX XXXX XXXX  Thursday, XX/XX/XXXX XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX-XXXX  Tuesday, XX/XX/XXXX XXXX XXXX  Sunday, XX/XX/XXXX XXXX XXXX Friday, XX/XX/XXXX XXXX XXXX Saturday, XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX  From XXXX XXXX in XXXX Nj. On XX/XX/XXXX. After purchasing it i read about 2 Warranties that im paying for, so i call both companies to cancel the warranties, 1 company XXXX  Cancels the warranty and sends a check to my lender santander usa. The other company says they cant cancel it, and that i need to contact the dealership in order to cancel it, so i do just that, on or about XX/XX/XXXX i text my salesman XXXX XXXX And he says send him a copy of one of payment payment receipts and my drivers license, i did send it to him at XXXX and he said it would be taken care of, i waited a few weeks and they still have not sent the {$900.00} plus check to Santander Use for this bogus tire and or rim warranty, when i call them they keep saying they have no idea what to do. So i went into the Dealership ( XXXX XXXX ) and talked to XXXX  the sales manager on or about XX/XX/XXXX. He brings out a paper for me to sign and tells me the check will be sent to santander in a matter of days. And here it is almost a month later and i call Santander Usa and they say the have not received anything from XXXX  XXXX. I need help because they just keep giving me the run around.
Product: Credit reporting

According to my paid subscription to TransUnion 's credit monitoring my credit score on XXXX XXXX, 2015 was XXXX. When XXXX XXXX bank pulled the score ( and I confirmed with XXXX underwriting department that all they did was use the score provided by TransUnion and did not generate the XXXX internally XXXX the score provided to them from TransUnion was XXXX. TransUnion can not explain the difference. They said XXXX must have used their own model. XXXX did not. Because of the score TU reported to XXXX I was denied credit. TU claims that the score they show the customer via their credit reporting membership service and the one potential lenders see are the same. However, they are not. They are n't even close!
Product: Bank account or service

I 've been a customer of Bank of America for many years. As of late, they have been treating me poorly and unfairly. They are charging me an outrageous rate for interest and are not willing to comply or understand during financial hardship. I 've called many times and have left messages only to be rejected or not even have my phone call returned at all. This bank is careless and truly does not care about it 's customers. Even under new applications it states that the highest interest rate and was completely different that the one I was given. They even lowered my credit limit on another card for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX CNAC XXXX ran my credit without my permission. I had a vehicle with them and they would not honor their warranty after several request. I decided to get another vehicle and return their vehicle to them. So I picked up my new vehicle on XX/XX/XXXX and they picked the vehicle up on either XX/XX/XXXX or XX/XX/XXXX. Then XXXX XXXX ran my credit to see if I purchased another vehicle. I know that was her purpose as I am a former employee of the company and she would run a customers credit anytime they return their vehicle. When asked if it was legal she said no but these people don't know any better. I emailed and asked why and for her to fix it. She replied her goal is to help with my credit but did not say that she would fix it nor did she apologize. I don't know how they are helping with credit if she runs a persons credit when ever she feels like it.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, 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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Debt collection

Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX