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

I submitted a dispute about XXXX through Experian on approximately XXXX XX/XX/2022. Experian advised that they contacted the company reporting the information I disputed, supplied them all relevant information and any documents... 
XXXX stated to CFPB that they have received no correspondence or notice of dispute from the consumer... 
See company 's response report # ( XXXX ) Note XXXX stated that they receive no dispute but I submitted a dispute through Experian and Experian stated they did contact XXXX about my dispute.
Product: Money transfer, virtual currency, or money service

Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. 
Monday, XX/XX/2020 I made a sale on XXXX for an XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXX. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? 
Account ID : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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

XXXX   XXXX   XXXX   XXXX  show me being late on payment s 180+ d ays from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Product: Credit reporting or other personal consumer reports

Ive sent in multiple disputes with hand written letters, ID, SSN, and all type of other personal information and Transunion refuses to complete my disputes. I have made many phone calls all to get nothing resolved. They supposedly made notes on my account, but never did. Ive spoken with supervisors as well with no real solution. I am a victim of identity theft. I have completed FTCs and everything else in order to get these accounts removed from my report. FCRA 607A and FCRA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card XXXX XXXX. However, I profoundly disagree with such remarks. This reporting done on the behalf of XXXX is inaccurate and although I have reached out to them they have failed to resolve the issue. 
On or around XX/XX/XXXX I decided to end my business with XXXX as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the  online accounts which included my XXXX XXXX. As time progressed I expected to receive statements from the XXXX credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XXXX of XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent. 
Had XXXX been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to XXXX again in XX/XX/XXXXand threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to XXXX a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to XXXX XXXX E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism XXXX has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that XXXX is.
Product: Debt collection

I had a garnishment with Jefferson Capital System LLC. For a debt I paid the garnishment in XXXX. My attorney filed for a motion to quash due to hardship and limitations on a garnishment in a year. We had court XX/XX/XXXX which the motion was settled with Jefferson Capital agree to close the case, and to return full refund to me. So my attorney told me to look out for my refund in the mail. I have yet to receive the check so I reached out to Jefferson Capital on XX/XX/XXXX and was told they didnt have the check to reach out to XXXX XXXX XXXX reached out to XXXX XXXX they told me to contact XXXX XXXX which XXXX XXXX XXXX they do not have the check and that Jefferson Capital has the check and stated it was also cashed. So I was directed by my attorney to go down to the court house in person. Which I did and spoke with the supervisor, then spoke with the supervisor in Bookkeeping who reached out to Jefferson Capital and was told he thought he sent the check, but was sending it out today which was XX/XX/XXXX she called me and told me to call them again on Monday to do a follow up! Which I didnt cause I was working and forgot but reached out to Jefferson Capital Tuesday XX/XX/XXXX and was told that he sent the check out on XX/XX/XXXX for {$1900.00} which should of been {$2200.00}. Shortly after speaking with them my Attorney calls and states she just got off the for with Jefferson Capital and he had XXXX options for me XXXX. I can get a refund of {$700.00} and the case would be closed or XXXX. I can get the full refund and he can come back in the future and garnish the remaining balance. My attorney knows Im in the process of filing bankruptcy so she suggested I take the full payment refund so she called him back and told him to send the full refund. So the came XX/XX/XXXX the check was in the mail for {$760.00} but the stub had {$1000.00} interest {$120.00} so I emailed my attorney she didnt reply she is sick so o reached out to her assistant and told her what was going on! And when this happens I noticed that sent another garnishment for the same one for {$330.00}
Product: Credit card

My wife has a American express XXXX XXXX miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My car was deemed a total loss and my insurance totaled the car out and sent Hyundai Finance a check in the amount of {$22000.00} that they received and processed XX/XX/22. I checked my account XX/XX/22 to verify that it had been closed but it is reporting as a repossession and saying I owe XXXX, I called Hyundai XX/XX/22 to see what was going on they told me they didnt know and would request for the account to be closed and it will take 5 days, I allowed the days and called back on XX/XX/22 and was told there was no change and they were still unsure why it was reporting thats way. I expressed to them that this has ruined my credit that Ive worked super hard to rebuild and Ive been a good customer with them. They said it could take months for my credit to show it as a total loss. Since then Ive tried to get a new vehicle for me and my children and I have been denied everywhere with every bank due to Hyundai reporting my car as a repossession. This is causing a very huge strain on my life I am the sole provider for me children and I cant get us another vehicle due to this false information being reported. I have a letter from Hyundai stating that my insurance paid the car off and it is a total loss not a repo but even when I have presented this letter to banks or car dealers im still not able to get anything! Im really truly in a tough spot and needing assistance because I get the run around from Hyundai being transferred to different departments and told nothing. Please assist me in getting this information corrected so My family and I no longer have to suffer.
Product: Debt collection

Portfolio Recovery Associates was  notified by me on  XXXX   XXXX ,  2017  to settle this debt and a settlement was made to pay {$300.00} of the {$600.00} balance due . ( See attached PRA Letter ) The  {$300.00} was paid on  XXXX   XXXX ,  2017 ( see attached debit document ). Currently PRA has not honored the settlement. They are reporting a balance due {$300.00} to all  XXXX  credit reporting agencies. I have received no letter indicating this debt  is paid/settled.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiry from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Inquiry to be Blocked and Deleted : XXXX. XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo closed my checking account as inactive. It has nearly {$18000.00} on deposit, over {$1000.00} auto deposit monthly from XXXX XXXX, and several monthly auto payments. I have tried to email and call from XXXX using land line and appropriate codes yet only get busy signals and email is rejected. The communication problems are identical to previous complaints but the closing of my account without warning or explanation is outrageous. This is an emergency.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Contacted Transworld Systems via telephone XX/XX/year> @ XXXX EST. Call lasted 19 minutes inquiring about the debt. When I asked the person with whom I was speaking with to verify their mailing address he tried giving a po box address. I explained that I needed to send them a certified letter and that can not be received by a po box . I then asked for a physical address in which he got hesitant and then hung up on me. I then took action and found a physical address for their 2 locations and I sent a validation of debt letter to both addresses. One location in XXXX no longer existed however the XXXX location signed for the certified mail upon receipt on XX/XX/year>. Within the validation letter it states that per the FCRA the agency has 30 days upon the date of receipt to validate the debt. Not for verification but for Validation. If their office fails to respond to the validation request within 30 days of receipt, all references to this account must be deleted and completely removed from my credit file immediately. It has now been 30 days today XXXX. There has been no response from the offices of Transworld Systems since they signed for the certified mail. This needs to be removed from my credit file. I have a copy of the validation letter, the receipt from the certified mail to include the signature upon receipt and an explanation letter of everything that happened when I tried contacting them. I have also disputed upon XXXX, XXXX XXXX XXXX along with the attached documents listed above from my personal correspondence regarding this issue.
Product: Debt collection

I was leasing a car from BMW. Payments were 100 % current. the car was totaled in an accident. My insurance company valued the car at current market, and asked BMW for the payoff of the lease obligation. Insurance paid them within a few days and sent me a check for the difference minus my deductible. BMW later came back and claimed they were entitled to the equity and refused to apply the payoff check received by insurance. My attorney advised me that according to the lease document, i was entitled to the equity which was created by my substantial down payment at the time of the lease commencement and the Covid-created market conditions that increased the value of the car. BMW can not convince me that if someone leases a car valued and insured for {$50000.00} and the customer put down {$10000.00} and signs a lease calling for payments based upon the residual value of {$40000.00}, and the following week, the car is totaled and valued at {$48000.00}, and the insurance company agrees to pay market value so they send {$40000.00} to pay off the lease, then the {$8000.00} equity will also go to BMW? I don't think so. The outstanding balance that BMW claims I owe has now been sent to collections and my credit score has been reduced by about XXXX points. that is not fair and its not right.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Product: Debt collection

I received a summons and complaint from a process server stating I was being sued by CSO Financial , Inc. C/o XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax demanding the deletion of all personal identifiable information on my consumer credit report with the exception of this identifiable information : 1. Name : XXXX XXXX XXXX. 2. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX. Phone Number : XXXX. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Product: Debt collection

I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I went to my bank to try and get a loan to help my grandmother pay for her meds and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit USDOE/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX,  XXXX/DEPTOFEO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in disputes to transunion, XXXX and XXXX. I understand that they have thirty days to re-investigate my disputes. They are over the time frame and nothing has been resolved. I reqested for charge offs and collections to be removed from my credit report because I never gave written consent for anything to be furnished which a direct violation. They're willingly and knowingly reporting inaccurate information without my consent. furthermore I have many inquiries reported as well as late payments which is clear violation. I have a right to privacy and my rights are being violated. I've sent to these furnishers clear written instructions and they are requesting that I re-send them in which I will not because I've sent them the exact same information three different times