23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation may have occurred due to a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

I wish to clarify that, to the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure. I value the trust and reputation of my PayPal account and have used it responsibly for my online transactions. 

In light of these considerations, I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the matter. If any discrepancies or misunderstandings have led to this limitation, I am more than willing to provide any necessary documentation or information to assist in the resolution process. 

Having relied on PayPal for secure and convenient online financial transactions, this limitation has caused significant inconvenience and distress. Therefore, I respectfully ask for your prompt attention to this matter and a reconsideration of my account 's status. 

I appreciate your time and understanding in this regard. Restoring my PayPal account would not only alleviate my current difficulties but also allow me to continue benefiting from the services your platform provides. 

Thank you for your prompt attention to this appeal. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct the following erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : ( XXXX ) XXXX wrong names and accounts not mine : XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage holder recalculated our escrow payment balance in XX/XX/2021. They " discovered '' that we had over funded the account and they wrote us a check for {$6000.00}, the current balance of the account. Additionally, they lowered our mortgage payment by almost $ 1000 monthly. 

However, this recalculation was incorrect and had our new property tax allotment in escrow payments at 0 dollars a month. We called to let them know this was incorrect. They asked us to deposit the amount of the check they sent us to our escrow account and that they would run a reanalysis for escrow payments. 

Next month, our payment was still incorrect and we'd heard nothing back from the company. I called again and they're running another analysis to hopefully fix the the problem. 

The issue i have is every miscalculated payment increases my mortgage payment by ~ {$100.00} a month when they finally get around to realizing i do in fact owe property taxes.
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. 

Account name : 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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 15 days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Message I sent them XX/XX/2019 : There is still an issue with my account having a *XX/XX/2019 - 30-Day-Late* mark being reported to the credit bureau every month and negatively affecting my credit. I was a XXXX XXXX XXXX during that time period and should have been in deferment. I sent your company documentation proving that I was a XXXX XXXX XXXX at that time and you put me in deferment as of XX/XX/2019, but DID NOT remove the negative mark from XXXX in your system. I have called 5 times over the past few months trying to resolve this issue and every representative has told me they " put a note on my account '' or will contact an " account specialist '' to resolve the issue and email me confirmation when the issue has been resolved. The issue is still not resolved and no one has ever sent me a follow up confirmation email. As of XX/XX/2019 XXXX XXXX informed me that your company is continuing to report this misinformation. I am very unhappy with the way your company is handling this situation and how long it is taking me to get this issue resolved. 



On XX/XX/2019, at XXXX XXXX, UASconnect wrote : Dear ..., Thank you for contacting University Accounting Service . 

We apologize for the inconvenience in your part. As we check there is a benefit applied on the time that it was reported negatively. We already reported it to the credit agency to be removed but then it still exist. Kindly file for a consumer dispute or have the credit agency call us together with you on the line so that we can resolve the past due notice in your account verbally. 

*There are several other emails where they can not look up my account or can not figure out how to resolve this issue and just say to call. When I call they say they will fix the problem but never do. 

I have made several calls to XXXX XXXX initially the late mark was removed by them in XXXX but then reappeared two weeks later once UAS sent their monthly report. XXXX XXXX said there is nothing they can do to permanently remove this late mark because UAS 's system will continue to report the mistake monthly until they fix it internally. This issue has been going on for four months and is negatively affecting my credit score. UAS is claiming they have tried to resolve the issue but it does not reflect in my credit score. I have never had a problem with a loan servicer, this company is ruing my credit and I am not sure what to do at this point.
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 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and damaging. I demand the immediate correction or removal of this account from all credit reporting agencies and request a thorough investigation into these inconsistencies. 

Inaccuracies Identified XXXX. Date Opened : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian and XXXX : {$3900.00} XXXX : {$0.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies in reporting, particularly concerning the high credit, last reported date, date last active, and date of last payment, indicate inaccuracies in the information being reported. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Inconsistent and incorrect information can negatively affect my credit score and financial reputation, leading to potential denials of credit and other financial opportunities. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( 3rd ) time against XXXX XXXX XXXX, but also against ALL THREE ( 3 ) major Credit Reporting Agencies TransUnion XXXX XXXX, and XXXX for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL 3 major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on TransUnion. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( 3 ) Credit Reporting Agencies reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire two ( 2 ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.
Product: Checking or savings account

Pretaining to case # XXXX I XXXX XXXX am notifying and responded to claim referenced above to your response company requested 60 days and is currently working on account don't you find it concerning after 20 months of holding my funds they need another 60 more days. please escalate my claim to higher chain for immediate response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I am writing to request that you delete these unauthorized and unverified items immediately, within 4 days upon receipt of this correspondence. I have continuously request that the credit bureaus provide me an original contract with my signature stating that I have gave them permission to furnish a consumer report with my consent. The credit bureaus fail to do so, so I was forced to file a police report due to fraudulent activity by my FCRA rights being violated under 15 USC 1681 ( B ) when a consumer report was furnished without my consent. And if these items aren't deleted and blocked immediately, I will be forced to contact my attorney to pursue with federal charges. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block this fraudulent information per sections 605B, 615 ( F ) and 623 ( A ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the Following Fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX Funding XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

The Biden-Harris Administration has forgiven my XXXX XXXX loan ( s ) listed with XXXX  in full. But my credit report still shows full XXXX loan balance.
Product: Credit reporting or other personal consumer reports

Resurgent receivables llc is reporting in my credit report I have no idea who this company is I never done business with them before sending statements do not verify a account please send me copies of my signature and other personal information that would verify this account. 

I never done business with them or the company they bought it from please remove immediately. 

This account is reporting and shouldnt be thank you not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$580.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information my have been part of the Equifax hack that has recently happened
Product: Credit card

I have repeatedly called Capital One to close my Venture XXXX card ending in XXXX. Their employees repeatedly lie to me saying the account can not be closed because I have a pending dispute. I know this is a violation of federal law yet they have refused to close the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing Equifax 's failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Act in removing fraudulent information from my credit report. As a survivor of XXXX XXXX, I, XXXX XXXX, have submitted the necessary documentation, including my self-attestation, multiple times to Equifax Despite these efforts, Equifax has failed to remove the adverse information and continues to report accounts that were incurred during the period of my exploitation. 

On XX/XX/year>, I received an email from Equifax ( Attached ) declining my request on the grounds of insufficient documentation, despite my repeated submissions. This violates FCRA Section 605C, which requires that adverse information related to debts from XXXX XXXX be removed or blocked within four days of receiving qualifying documentation. Equifax 's failure to act within this timeframe is not only a violation of my rights under FCRA but also under the Debt Bondage Act, which further reinforces the protection of survivors of XXXX XXXX from debt-related exploitation. have been a victim of identity theft and XXXX XXXX  which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft. Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file. Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.
Product: Debt collection

I received a notification of a debt on my credit file. The debt was discharged by XXXX XXXX after I filed a complaint with The Illinois Attorney General 's Office due to billing practices. The debt collection agency never attempted to contact me in order for me to dispute the collection.