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

Someone accidentally sent me money ( {$580.00} ) through paypal Goods and Services when they were supposed to send me a payment request. I immediately called paypal to try to get it reversed. I was able to get the senders money reversed but Paypal decided that they needed to have my Social security number which they do NOT need since this mistake was under {$600.00} ( threshold for it to be taxed ). I spent hours on the phone. The first call to XXXX was dropped by paypal after about 21 minutes on hold. The second call ( 1 hour and 5 minutes ) I reach XXXX, then account specialist XXXX, then supervisor XXXX. They were not helpful and offered no solutions. There is a large banner over my account when I log in. They said I need to provide them with my SS # to be able to send money and use the account, EVEN THOUGH I AM BELOW THE {$600.00} LIMIT WHERE THEY WOULD NEED IT!!! And next year when the balance toward the {$600.00} limit is zero they still want my SS #. They just want to have it!!! I will NEVER give them my SS #!!!!!!!! Shame on them to collect and store people 's SS # s!!!!!! The worst part about all this is that the money being temporarily in my account was a mistake by someone else who was suppose to send a money request. SHAME ON PAYPAL!! What an unethical company!!!!! And in this age of identify theft, with databases being breach every day, they are totally unethical to collect such sensitive information ( PII ) when they do not need it ( accounts not reaching the {$600.00} limit ). What an awful company!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/XXXX I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was fully insured with XXXX XXXX XXXX when I received a bill from XXXX XXXX for lab work that was covered under my insurance. I have proof that I was under insurance at the time. I did not receive any mail about delinquency from this creditor, Advantage Group, who appears to have bought the debt. Now it is showing up on my credit report as unpaid and I want it removed. I did not owe this debt in the first place and I was not notified that it was in collection.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX XXXX Account number : ending in XXXX First and Last name : XXXX XXXX Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : This subsection explicitly states that a CRA must not reinsert previously deleted information unless the information provider certifies its accuracy. The CRA must notify the consumer of the reinsertion within five business days, which ensures transparency and gives the consumer an opportunity to dispute the reinsertion if necessary.

The CRA failed to adhere to these requirements : -No timely reinvestigation was conducted following my dispute.

-I did not receive proper notification of the results of the reinvestigation.

-There was no certification from the furnisher proving the accuracy of the reinserted information.

- I was not notified within 5 business days regarding the reinsertion of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed incorrect information on my credit report. Through my CFPB portal it has been 30 days and the reinvestigation is still pending with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Closed checking account at J.P Morgan Chase Bank in XX/XX/XXXX. Chase seized my Social Security XXXX funds from this account to pay off another charged off account. No written accounting was ever provided to me informing me of the bank 's intentions, nor even evidence of the bank 's internal seizure actions as detailed on closed account statement runs I obtained by visiting the branch personally. 

This is an improper seizure as Social Security is not to be used to pay off any other shorted account besides the one in which it is deposited. No income other than Social Security was deposited into this account since XX/XX/XXXX. 

The charged off account for which my Social Security funds were improperly seized did have the same account number ; however, every single one of perhaps as many as 10 different Chase personnel with whom I spoke, either at the company 's branches or its customer service phone numbers, insist that two different distinct accounts existed. 

The first was closed in XX/XX/XXXX. The second ( the closed account where funds were improperly seized ) was opened in XX/XX/XXXX at Chase 's sole discretion. I have the bank statements showing the closure of the first account and the opening of the second. Moreover, no collection attempts other than the improper seizure have been made. 

The seizure comes at a particularly difficult time for me health wise. None of my phone calls or visits has addressed my concerns. An attorney also wrote a demand letter on my behalf for which no response has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, XXXX & Transunion asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$330.00} ; XXXX XXXX XXXX XXXX XXXX  : {$530.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was served by Midland Funding LLC. The person who Midland sent to give me my debt claim citation presented himself as an XXXX County Deputy officer. When I asked for his officer batch, he refused to show me his batch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im contacting you all because there has been an issue or there is an issue involving mine and my twin  sisters credit report. I have not been able to see my credit score or report due to wrong information containing both our social security numbers I believe. A couple of days ago I tried to apply for a credit card since I thought that I did not have a score at all, but when I clicked on submit it directly notified my sister about a new inquiry. I think that when I provide my personal information and try to apply for something it notifies her because the system thinks my information is really her information, but it shouldnt be. Her score can be seen and checked but mine cant so that is why I came on here to contact you all about it to see if you can help. My twin sister checks her credit score with XXXX XXXX and I tried doing so but again nothing shows up. I hope this issue can be solved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today I submitted a complaint against Experian and included XXXX. There is only enough space to upload so many documents. 
This complaint is against XXXX and I will include Experian but will be uploading evidence from XXXX. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of XXXX  XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by XXXX today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX  XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. XXXX only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}
Product: Credit card

I made a purchase in the amount of {$33.00} using my Citi Costco credit card. They billed me {$34.00}. I suspect they are adding small amounts to bills and hoping the additions wo n't be noticed by the consumers. I called the credit card company and got XXXX in Maryland and he put me on hold and never came back.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 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 US C 1681. 


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

15 U.S.C 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item. Im 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 information is inaccurate. Do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX overcharged me {$6400.00} for work that they did not do. Goodleap, finance company paid them in full in error. I notified Goodleap of the discrepancy. Contractor refused to provide me with a change order or a cash reimbursement. I filed a complaint against the contractor with the XXXX XXXX XXXX XXXX XXXX. They notified the contractor that they were in violation. The contractor issued me a settlement check in the amount {$6400.00}. On XX/XX/year> I informed Goodleap and authorized a payment to the prinicipal in the amount of {$6400.00}. I called Goodleap for a status. The representative informed me that they did not apply the {$6400.00} to the principal as requested. They applied the {$6400.00} to the principal and interest instead. I asked Goodleap to reverse that transaction and apply the {$6400.00} as a principal reduction. This was my second request. Goodleap has reported my account XXXX days delinquent. This derogatory report has effected my ability to obtain credit and will impede my refinance process.