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

On around XX/XX/2021, Paypal decided to ban my account. After contacting the Consumer Finance Protection Bureau the first time, Paypal never gave me an exact reason as to why I was banned. 

The only reason why I thought I was banned was due to me putting in shipping information using my boyfriends address. I was trying to buy him a gift and put in his address/phone number so that he would get it at his home. 

After talking to them on the phone on XX/XX/2021 they never gave me an exact reason. I told them how I tried to buy my boyfriend a gift and put in his information so that he can get it shipped to his house. PayPal told me that doing this wouldnt and shouldnt have resulted in a ban. They also were being vague and didnt bother lifting my ban. This doesnt make any sense because they dont know why my account was banned and refused to lift it and find the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ex-Wife and I recently went through a loan modification with Bank of the West. Per the terms of the modification, Bank of the West was to forgive all past due payments and roll them into the back end of the loan and consider the status of the loan current. I have filed disputes with all three credit bureaus ( 3 and 4 times each depending on the particular credit bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX are the dates for XXXX ) and each time Bank of the West comes back saying the info on my credit report is accurate. The loan is now considered current but they have not reversed the late payments and my credit is still being negatively impacted. I have the signed and notarized modification letter signed by both parties clearing stating the late payments will be forgiven and the loan will be considered current. I am writing this complaint to help have Bank of the West reverse the late payments as stated in the modification or remove the account from my credit report altogether. I have called and left messages with the loss mitigation department, the last date being XX/XX/XXXX but my calls do not get returned. The loan has since been paid off but the late payments, as stated previously are still negatively impacting my credit. I have done everything possible to get this corrected including filing a complaint with the XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with Experian that something was incorrect on my credit report that it should be deleted because it is incorrect I showed proof to them that what they are reporting is incorrect They have a loan from me from XXXX XXXX listed as a XXXX  loan and XXXX XXXX  does not offer XXXX  loans
Product: Debt collection

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX and XXXX are in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n. 
I am making this complaint against ENHANCED RECOVERY COL ( ERC ), for committing identity theft. I have never given ENHANCED RECOVERY COL ( ERC ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with ENHANCED RECOVERY COL ( ERC ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ENHANCED RECOVERY COL ( ERC ) any right to collect on this alleged debt. 
I have never received any documentation requesting validation from ENHANCED RECOVERY COL ( ERC ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ENHANCED RECOVERY COL ( ERC ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ENHANCED RECOVERY COL ( ERC ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ENHANCED RECOVERY COL ( ERC ), continues its collection efforts, I will file for litigation for actual damages caused and ENHANCED RECOVERY COL ( ERC ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX ACCOUNT BALANCE {$600.00} XXXX XXXX XXXX ACCOUNT BALANCE {$960.00} XXXX XXXX XXXX ACCOUNT BALANCE {$250.00}
Product: Credit reporting or other personal consumer reports

A XXXX XXXX collection account Amount {$160.00} is reported on my Equifax, XXXX XXXX XXXX XXXX Credit Bureau reports since XXXX XXXX have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified letter XXXXXXXX XXXX XXXX XXXX XXXX to TransUnion and it was received by them on XX/XX/year> at XXXX XXXX. I asked for any incorrect names be removed and that my one and only name be updated. I also ask that the one and only address I have be corrected and updated. In addition, I requested that the employer XXXX XXXX XXXX XXXX be removed. 

In the letter, I included my Identification along with my proof of address and I received a copy of my credit file from TransUnion dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home before doing so I reviewed my account and notice fraudulent activity reflecting on my account. 

Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX There are over 30 addresses that I never lived at the only address that should be reporting should be XXXX XXXX XXXX, XXXX, Va XXXX Phone numbers : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of names : XXXX XXXX XXXX XXXX XXXX accounts Removal of XXXX XXXX account Open date : XX/XX/XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open date XXXX XXXX
Product: Debt collection

I was sent a letter and so letter was sent to my employer from this company trying to garnish my wages from a debt that is over 7 years old. This is a debt collector, in which I did not agree to them taking on said debt. I had no clue who portfolio recovery was until I googled them.
Product: Checking or savings account

There were too many times to count when I needed to urgently speak with someone and they had no way of contacting company. My account was either missing money or unble to withdraw and a number of other problems I needed assistance with
Product: Debt collection

I have received 2 phone calls and emails from McCarthy, Burgess & Wolff , Inc., phone number ( XXXX ) XXXX, individuals name is XXXX XXXX. I've returned the calls twice, the first time I instructed Ms. XXXX not to communicate with me and I refused to provide her with any personal information. The second time was today, XX/XX/2020 at approximately XXXX when it became obvious that she was able to identify me via unknown means. I have also received 2 emails from her claiming that I/we owe XXXX XXXX {$300.00}, she either could not, or would not, identify what it was we allegedly owe XXXX XXXX for. She refused to listen to me and repeatedly screamed and yelled a me as I was attempting to explain that we owe no one nothing. I freely admit that I screamed right back at her. She ended the first phone call when I refused to give her my name and ( I assume ) personal information. I ended the second phone call by explaining to her that I would " see her in court ''. I then replied to one of their emails demanding that they " cease and desist '' from all communication with me and/or anyone associated with XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on XXXX of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX Account Number XXXXXXXXXXXX I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted disputes letters to XXXX, Transunion and XXXXThey said.Isound like a credit repair company.I sent those letters out personally. I'm not a credit repair company.I just want them to reinvestigate my accounts that I attach below to make sure the account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just saw your response to my complaint and it sounds you're denying me as your customer, i am not sure how it works but i only want those inaccurate information deleted please fix your errors or i will seek litigation due to the stressed you caused me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX  and a dropped score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed these late payments on accounts that I was not late for. How can one consumer reporting agency show ontime payment and another show 30 days late? The consumer reporting agencies have a vital role and it is their responsibility to only report 100 % accurate information. I have not been late on the accounts that I have outlined on the attached screenshots. 

Account Name : XXXX XXXX XXXX  Acount # XXXX Month/Year : XX/XX/XXXX & XX/XX/XXXX Account Name : XXXX XXXX Acount # XXXX Month/Year : XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX Please investigate and provide proof with statements showing that the payments were in fact late. If proof can not be provided, I demand these payments be updated to PAID AS AGREED ON TIME status as they should be reporting as.
Product: Debt collection

I am a co-signer on my daughters student loan. She has defaulted I am on a fixed income and can only pay {$50.00} a month. They keep calling and telling me they need more money. What can I do to stop these calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX XXXX XXXX XXXX.I have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Product: Debt collection

On XX/XX/XXXX, my wallet was unfortunately stolen. I promptly called my creditors and had them cancel my debt cards. On XX/XX/XXXX, I received a piece of mail notifying me that a check under my identity had bounced. This came at a complete shock to me as I have never ordered checks from my bank. To be quite frank, I barley know how to write a check. On XX/XX/XXXX, I went to my local police station to file an identity theft case. The police officers advised me to call my creditors and freeze all my accounts due to the circumstances. From XX/XX/XXXX, I continuously received mail regarding NSF checks and collection notifications. I personally called each of these debt collectors and provided them with my case number. I also made a copy of each piece of mail I received and emailed that to a detective that was assigned to my case. 

A women was arrested earlier this year ( XX/XX/XXXX ) and had my licence, as well as many others, in her possession. She was put into a drug program and later missed her court date and is currently on the run. 

This women wrote approx 16 checks ( that i know of ) in my name totaling about {$3700.00}. That is not including all the added fees for the check bouncing in the first place. 

I am now in a place in my life where I am trying to buy a house with my boyfriend and its so crushing to know that something I had no part in is effecting us so greatly. I could not even get a loan for a car right now if I needed to do so and its very frustrating to be going through this at XXXX years old.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by [ name the creditors/collection agencies involved, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report dated [ Insert Date of Report ], I identified serious issues with the reporting of a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Below, I will outline the inaccuracies and legal violations that have impacted my creditworthiness and caused significant harm : 1. Violations of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate or Misleading Information Issue : The same debt is reported by both the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXXnd the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This results in duplicate reporting of a single debt, misleading creditors and lenders. 
Impact : This duplication artificially lowers my credit score and misrepresents my financial obligations. 
2. Violations of 15 U.S.C. 1681e ( b ) Inaccurate and Inconsistent Reporting Issue : There are discrepancies between the information reported by Equifax, XXXX, and XXXX : Equifax lists the collection agency as XXXX, which is unclear and inconsistent with other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but Equifax omits this information. 
The account statuses are inconsistent. Equifax lists the status as " Unpaid, '' while XXXX and XXXX list it as " Collection Account. '' 3. Violations of 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to Update or Correct Information Issue : The debt was assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report the debt. This failure to update or correct the account after the transfer creates inaccurate and misleading information. 
Impact on Me as a Consumer These violations of the Fair Credit Reporting Act have : Harmed my credit score due to duplicate reporting. 
Caused confusion about the status and ownership of the debt. 
Made it difficult for me to apply for credit, leading to higher interest rates and financial harm.
Product: Mortgage

in XX/XX/XXXX I filed chapter XXXX there was agree that they would accept XXXX and payment of XXXX amonth I cant control what the trustee does but they agreed to it as the yr when by my spouse have several operation this cause us to get behind XXXX on XX/XX/XXXX I wrote wells fargo a letter to ask them to give me some time to get caught up nice people as they are they send foreclouser notice now they want to take our home now they money I could of payed on my unpaid behind payments I have to hire a lawyer and pay there lawyer to
Product: Checking or savings account

I see XXXX XXXX XXXXXXXX showing a payment was made on XXXX XXXX. However WellsFargo doesn't show it as part of processed transactions. 

I don't know who is benefiting from this outright manipulation.