23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I made a charitable contribution on XXXX using PayPal. Now, I'm getting messages from XXXX XXXX XXXX app for every transaction I make through PayPalXXXX those that are made outside of XXXX that have nothing to do with XXXX. I asked PayPal what to do. They said to " unlink '' my account and gave me instructions on how to do that. I followed those instructions and it didn't work. I'm still getting notifications from XXXX with " receipts '' for every PayPal transaction I've made recently. I do not want XXXX to have this data and PayPal is sending it through their platform without my permission.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX reported a delinquent account to my credit report. I have never done business with them. Per my XXXX search it shows its some type of tradeline and I believe my information was fraudulently used. So I disputed it with XXXX, Equifax and XXXX. Equifax stated the company verified the account belongs to me. I have never applied for service or received any type of goods or services from this company. I have never provided them any of my person information. I have had a fraud alert on my credit for a while and this company never reached out to me to verify any information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX, I had received a text message which looked like an automated XXXX XXXX XXXX text message to inform me that there was a zelle transaction to " X '' for {$3500.00}. If I did not complete this transaction to text HELP. Which then I replied HELP, because it was not a transaction I completed. 

I was then called from the XXXX XXXX XXXX Fraud Department caller ID, which I had memorized. 

I was then asked to by the voice on the other end to check my zelle account which seemed to be linked to an unknown name. 

They had told me at this point, I needed to text myself the {$3500.00} to confirm my account. They also proceeded to tell me that a zelle fraud was also linked to my business account. 

I followed the instructions and zelle my own phone number {$3500.00} ( personal account ) and {$800.00} ( business account ). Which I thought was safe because it was my own number. 

They told me I would receive an email from XXXX with what to do next for precaution. I never received the email, nor my money back, so with worry that my bank account was now negative, I called XXXX. Then I was informed the call was the scam and because of this I would not see any of my money back. 

I did not send money to any I knew or did not know. I sent money to someone I trusted. Myself. However, XXXX still will not see this as fraud and therefore they have refused to help me see {$4200.00} or any bit of my money back.
Product: Credit reporting or other personal consumer reports

I have consistently made XXXX  payments on XXXX  and never missed a XXXX, so this situation is causing XXXX  distress. XXXX  struggling with the inaccuracy on XXXX XXXX which is affecting XXXX XXXX. I urgently request that XXXX correct the late XXXX  error and update XXXX XXXX as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am formally address the ongoing issue of fraudulent items on my credit file, marking my fifteenth attempt to rectify this matter. Despite many efforts to dispute and remove these fraudulent items, they continue to persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the protocols outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Promised Credit Revoked XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.

Application Expiration by Van Dyke After forwarding the contract on the new home purchase, my lender ( XXXX XXXX ) proceeded to lock in the interest rate. He then told me that my application had expired and he could not lock in the rate because he would have to run my credit. XXXX knew I kept a credit freeze on my accounts and that it takes time to lift a freeze. XXXX said he was leaving for the day and he would have to handle that evening. I contacted XXXX that evening because my credit had not been accessed. He said it was still frozen, to which I sent him the confirmation lift ; the freeze had been lifted for hours. He then proceeded to run my credit. According to XXXX the market had two increases that day and I was charged {$3000.00} in points due to this mistake of Van Dyke which was {$620.00} more than the previous quote of {$2300.00} in points. I contend that it was the companies responsibility to monitor my credit application status with their company and I should not have been charged more because they mishandled my application. 


XXXX XXXX, who is my lender with Van Dyke, had initially told me that he would give me a {$1400.00} credit to earn my business. I received a {$430.00} credit and when I pointed this out, he said each deal is different and he was not able to give me the credit on the new contract. 
The house prior ( which fell thru ) was $ XXXX compared to the contact on the next house that cost $ XXXX. 
I feel like he knew I was not shopping around for the best deal any longer so he didnt have to give me the promised credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus XXXX and XXXX, failed to make corrections and updates to my credit score, despite my submission of information validating that company 's claim was false.
Product: Checking or savings account

CITIBANK. I deposited a check for {$14000.00} in a New CITIBANK account on XX/XX/2019. Because the account was new they placed a 5 day hold on the deposit. This Hold was removed XX/XX/XXXX. On XX/XX/XXXX they removed the hold - I used some of the funds and then my card was blocked. I was notified Citi was closing my account - I had an ending balance of {$8200.00}. I was told they would mail out a check - they have not. I have received {$0.00} from CITIBANK. They are holding my money. Every time I call, they say they mailed a check. I spoke to one lady who said " Citibank has taken possession of these funds. '' I have asked for invoices and statements to be sent to me - no one does anything. They say it is confidential. They are holding my money and have stated this multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized. 
The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 
Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws. 
Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section XXXX of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.
Product: Debt collection

These people continue to damage my credit that Im trying to rebuild and continue to call and make harassing threats
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account.
Product: Vehicle loan or lease

On XX/XX/22 I received correspondence from Capital One Auto Finance stating that my automobile loan was paid in full. Upon receiving this information I used the extra money to do some long neglected repairs around the house. On XX/XX/22 I received an email from Capital One stating that my account was pasted due and I would be charged a XXXX dollar late fee. On the following day I contacted the company in question regarding this issue. I was informed that the correspondence that I received stating my loan was paid in full was an error on the companys behalf and that they would cancel the late fee. I am a retired XXXX from the XXXX XXXX XXXX XXXX and I am on a fixed income, the error that this company has alleged made has turned my budget upside down and put me in a difficult situation. During the first three years of this loan I paid extra money toward the principal and this loan should be paid in full. If for some reason it isnt the company should not be issuing false and misleading information that cause customers to suffer from their incompetence. Any assistance that you can give me regarding this issue would be greatly appreciated. I would like to thank you in advance for your assistance regarding this issue.
Product: Student loan

I submitted a request to change to a different Income Driven Repayment ( IDR ) plan on XX/XX/XXXX. I got confirmation of receipt of the request. On XX/XX/XXXX MOHELA placed me on administrative forbearance while the application was processed. On XX/XX/XXXX I received a letter from MOHELA saying my request was cancelled and that I was placed on the standard Level repayment plan. My monthly payment was changed from approximately {$500.00} a month to over {$3000.00} a month. The repayment plan is also not eligible for PSLF which I have been working toward for four years. I have attempted to contact MOHELA to fix this many times. They either disconnect the call or never complete my scheduled call back. My forbearance is scheduled to end at the end of XX/XX/XXXX and I can not afford the new payment.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was furious to find an unauthorized inquiry that I never approved. I always monitor my report, and this has never been an issue before. I even refreshed my browser multiple times, hoping it was some kind of glitch, but it wasnt. I am beyond frustrated and expect an immediate review of my submitted documents to ensure this problem is permanently resolved.
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 15 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX 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

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX DIGITAL FEDERAL CREDIT UNION XXXX 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a computer glitch with TransUnion. It caused the inquiries to be deleted.   TransUnion later added them back to my credit report without giving me any notic e five  days prior to re-adding them, that by law they have to. I contacted in good faith to ask them to the inquiries that they had illegally re-added. I spoke to  XXXX  on  XXXX / XXXX / XXXX  around  XXXX  and nothing could be done. As a resolution I want the inquiries to be deleted permanently from my report as a violation took place when they were illegally added.     These are the  XXXX  inquiries :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX