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

FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited {$1000.00} into a Personal Line of Credit ( PCL ) account that had a XXXX balance. As this is a credit account, the balance showed $ XXXX, as it should. Six days after the deposit I transferred the {$1000.00} to my checking account. 

Huntington says this is a cash advance and is charging me interest on my own money.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal account email address is XXXX Firstly, I strongly believe that this limitation was placed in error, as I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have never engaged in any fraudulent or illegal activities. Therefore, I respectfully request that PayPal re-examine my case and consider restoring my account. 

Secondly, I would like to emphasize that I have always complied with PayPal 's policies and guidelines. I have never engaged in any activities that would warrant a permanent limitation on my account. I have always provided accurate information and have always conducted my transactions in good faith. As such, I am deeply troubled by the limitation placed on my account and would like to ask PayPal to review my account history to confirm that I have always been a responsible PayPal user. 

Lastly, I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I value the services that PayPal provides, and I would like to continue using them in the future. Therefore, I would greatly appreciate it if PayPal would reconsider my case and restore my account. 

Thank you for taking the time to review my appeal. I look forward to hearing back from PayPal soon. 

Sincerely, XXXX XXXX
Product: Debt collection

I have no idea what this debt is for!! I am not aware that I had not been making payments or how much I was suppose to make and who I owe the debt to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account TD AUTO FINANCE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD AUTO FINANCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX -- - AC # XXXX -- Date opened- XX/XX/year> I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting

Transunion deleted all of my inquiries off of my credit report and then replaced them a few days later without written notification as required by FRCA Section 611. I have diligently been trying to have this matter rectified but to no avail. This is drastically affecting my financial status.
Product: Debt collection

I checked my credit, my XXXX report, and saw ENHANCED RECOVERY CO L Account # XXXX Original Creditor XXXX XXXX XXXX XXXX for {$960.00}. I just became employed after a COVID19 layoff. I'd like to settle the debt for {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, XXXX, Experian and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .
Product: Debt collection

XXXX XXXX XXXX company has violated the FDCA rules as its outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b time to make payments. which i XXXX XXXX is not a dead man i am a living being secured party creditor. Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX closed my account without notice or permission never sent the periodic statement along with the disclosures from section 1537 ( b ) i have proof that i sent by mail before payment due date this information was requested in good faith pursuant rule 1002 and it was nevered provided. This is unfair, illegal, fraudulent, and not equal to me as the consumer or secured party creditor. remove all late payments from my credit report and restore my account.
Product: Checking or savings account

On XX/XX/year>, {$770.00} was withdrawn from my CashApp account at an ATM. This was not me nor was it authorized by me. I filed a dispute claim with CashApp support on XX/XX/year>. My dispute was denied, stating that their investigation found it to be authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a XXXX dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed XXXX  dollar payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am having a very difficult time with PennyMac. I am trying to avoid a foreclosure. I have put my property up for sale. As of 2 weeks ago I have an offer at market value. My realtor and I have been trying to get a hold of XXXX XXXX XXXX the assigned rep at PennyMac for the past 2 weeks. She never responded by email or phone call. When we would call PennyMac to try and get an update from them, no one could give me any information or get me in touch with XXXX XXXX XXXX. We were told today that PennyMac will not stop my sale date of XX/XX/2017 or review my short sale. We were told there is " not enough time ''. That is the exact reason we having be trying to communicate with PennyMac 2 weeks ago! I feel like PennyMac has done this on purpose and is back dooring me into foreclosure. I am be forced into a foreclosure because of the dysfunctional system at PennyMac
Product: Vehicle loan or lease

On XX/XX/2023 I went and financed a vehicle with XXXX XXXX XXXX XXXXhey used illegal tactics within the loan process.

NO FULL SUM OF ALL CHARGES FULL INSURANCE NOT INCLUDED WAS NOT CASH IN HAND USED A THIRD PARTY TO TAKE VEHICLE WITH OUT NOTICE 15 USC 1692f - unfair practices Someone else signed my name or gave my private information to XXXX XXXX which took my vehicle for my home 15 USC 6802 No paperwork was sent to me or was I informed my personal private information would be given to XXXXXXXX XXXX I had No contract or any connection with this company, I only did business with XXXX XXXX XXXX & West Lake Financial Also used my information for XXXX XXXX XXXX and even after payments where made still sent letter say that I didnt make payment when I had and was auto payed out of my bank account 15 USC 1692
Product: Credit card or prepaid card

On a Business trip my card was on a tab and when we were done I totally forgot my card and didn't realize until a couple of days later ...
Product: Credit card or prepaid card

This company maintains that they have acted above board. However as of today I have yet to receive one of these letters they have claimed to have sent me. I only received these because they forwarded them to CFPB. 
On XX/XX/XXXX it was claimed that a review of the call determined that it wasnt to cover the balance on the account. I advised that there were multiple calls and requested a copy of the calls but never received anything. 
XX/XX/XXXX you advised all billing statements were sent out. That the emails were sent but again never received on any email account that I have access to. This is strange because I received a statement at the end of XX/XX/XXXX which has caused me to file these complaints in the first place. 
XX/XX/XXXX letter I was advised that neither of these credit card accounts use text alerts for billing however as you can see from the enclosed documents I have now been receiving them every month like clockwork. 
I forwarded a complaint to the better business Bureau to whom which your bank refuses to acknowledge. I forwarded a complaint to your states attorney generals office and the office forwarded the complaint again to CFPB. 
Now that I have these documents I will again forward my complaint it shows that either there is an issue in the company that needs to be resolved or this company practices are to provide incomplete and unethical business practices and does it best to cheat its customers. 
At each turn I have been provided with falsehoods to email billing statements to we dont send text messages. 
Now every other day I am receiving calls for payment 2-3 calls a day but when it was beneficial to you to steal and over charge me I never received any calls at the level I am getting now.
Product: Credit card

My credit card number was used fraudulently in XXXX 2015. Capitol One notified me of the charges and I identified all XXXX of them. I was given a new credit card with a different account number. But Capitol One incorrectly noted the charges as " adjustments, '' so they have shown up on my bill as " purchase adjustments '' instead of " fraudulent charges/credits. '' I have spoken to them XXXX times about correcting the error, which now has been duplicated several times. There is a cycle of incorrect " charges '' and " credits. '' The issue has been with Capitol One 's fraud department for several months, but it is still not resolved. My statements are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion, shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. 

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

This credit bureau is inaccurately reporting payments as late for the months of XXXX, XXXX and XXXX when I made the payments on time, which is the last day of the month when my car note is due to XXXX XXXX. The loan is now paid in full but the inaccurate derogatory marks for the month of XXXX isnt correct.
Product: Credit card or prepaid card

I have applied to Comenity Bank for the XXXX Card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.
Product: Debt collection

I have no outstanding debt with Jefferson capital systems. They are providing false information stating I owe a debt to them that they purchased from XXXX  and trying to collect debt. I have no debt that is owed to Jefferson Capital. Once they purchased the old balance from XXXX  my obligation with XXXX  was cleared. I didnt not get into a legal contract with Jefferson Capital System so there for I owe them nothing and do not agree with the false information there providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding collection on my credit bureau file from XXXX/XXXX  in the amount of XXXX. I have had several conversations with XXXX XXXX Hospital and asked for a complete statement of account for each charge, which they have not sent. I have now disputed this with the credit bureaus and they say they investigated but how can there be an investigation when I do not see the information and have a chance to say it is not correct? I would like to see my signature on a medical statement proving this is my bill and that I agreed to pay it.