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

Transunion has a bankruptcy account that is being reported on my consumer report I have spoken with a clerk from the bankruptcy court in person and she confirmed that the bankruptcy courts do not provide information to any consumer reporting agency ( Letter Attached ). This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Transunion any written instructions to do so. Transunion has also failed to exercise its grave responsibility to respect my right to privacy for their profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and above-par medical treatment as a living human being. Transunion will be held civilly liable for willful and negligent noncompliance for any failure to comply with the below deletion demand. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX # 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 ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Pnc will not take money transfer apps like XXXX or XXXX
Product: Debt collection

Today I received a call from the Cherrington Firm leaving a message that I had a debt. Then I received a message from my father, who has no financial affiliation with me, that the cherrington firm called him to collect a debt from me.
Product: Debt collection

XX/XX/2020, I purchased a car from CARVANA using an extension of credit from my XXXX XXXX XXXX XXXX  Signed a bilateral contract between Carvana and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, CARVANA, and requesting a debt validation, CARVANA responded saying they were unable to validate. I have sent XXXX, the third party collector, numerous debt validation letters in which XXXX sends unvalidated, altered documents in which XXXX is not listed as a party but lists Carvana as the original creditor. However, when I request validation from Carvana they are unable to provide it stating that XXXX has the original document, however, XXXX has failed to produce any contract that shows them as a party with any security interest. Therefore, if Carvana is unable to validate the alleged debt, XXXX is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX  XXXX Account name : XXXXXXXX XXXX  XXXX. XXXX Account name : XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 USAA To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to USAA on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX
Product: Credit card or prepaid card

Capital One XXXX credit card ) -opened XX/XX/XXXX, charged off XX/XX/XXXX and sent to XXXX XXXX XXXX XXXX XX/XX/XXXX. The total amount in collections is {$520.00}. The account # is XXXX. The card was mailed to the address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. The account is currently marked as " in dispute '' with XXXX XXXX XXXX. A claim has been made with them. A police report with XXXX XXXX XXXX XXXX Department was also made on XX/XX/XXXX with Detective XXXX XXXX XXXX. Complaint # XXXX. Subpoenas have been sent to Capital One by the detective for copies of charges that were fraudulently made by someone other than myself as well as to XXXX for documentation of the email and account that was given as information to open up the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my credit report, conducted by Equifax. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I have the right to request the deletion of any inaccurate or incomplete information from my credit file. The investigation has determined that the disputed items do not meet the necessary standards for inclusion in my credit report and should be removed immediately to ensure compliance with federal law. 

I am disputing the following personal information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, OK, XXXX Employer : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX  XXXX, OH, XXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, OH, XXXX Additionally, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am disputing the following collections : AXXXX XXXX XXXX XXXX XXXX  Finally, I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX 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: Student loan

I recently submitted a complaint to Navient. The response that Navient gave suggests I take an action that may have negative consequences.

Navient suggested consolidation but this action according to the federal student aid web-site has potential downsides such as the following.

Because consolidation may lengthen the repayment period, you'll likely pay more interest over the long run. Any outstanding interest on the loans you consolidate becomes part of the original principal balance on your consolidation loan, which means that interest may accrue on a higher principal balance than if you had kept your loans separate.

You might lose borrower benefits such as interest rate discounts, principal rebates, or some loan cancellation benefits associated with your current loans.

Normally, consolidating your current loans could cause you to lose credit for payments made toward income-driven repayment plan forgiveness or PSLF. However, under the one-time income-driven repayment account adjustment, you wont lose credit for those past payments. This adjustment will be applied automatically to all PSLF-eligible Direct Loans, including consolidated and unconsolidated parent PLUS loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I want to say thank you for everything that you do. Happy holidays if you celebrate it. I need help please. 

*** Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Checking or savings account

My name is XXXX XXXX. My complaint is about PayPal. 
I have a PayPal account. 

On XXXX, my oldest daughter got funds to assist her and the family through the state SBA but since she doesn't have a bank account because she is about XXXXyears old, so I used my PayPal account to receive the money. 

I was able to withdraw some, but PayPal later freeze my account with more than {$37000.00} on it. PayPal said they noticed attempt for me to withdraw funds all the time. But the question is, was the money not to be spent? PayPal has not given me an answer to this. 

Well, I reached out to them several times and it takes them time to respond. 

I have been in communication with a Lady who said her name is XXXX XXXX from the office of executive escalations and promised me that my funds would be held for 180 days after that they will give me instructions on how to withdraw the funds. I agreed. 

My issue is, I didn't add a bank account to my PayPal and the few cards I linked to my PayPal as at that time are all closed. 

I reached out to XXXX XXXX and asked her to allow me to link a bank or a card to my PayPal account so I can be able to withdraw my funds after the 180 days but she didn't give me a satisfactory response. 

I also asked her to assure me that I will be able to link my bank or card to my PayPal account after the 180days is over so as to withdraw my funds and she didn't respond. 

I told her I will not accept a cheque/check as I have read bad reviews about a cheque from PayPal and as such it is necessary they allow me to link my bank or card to my PayPal account so that after the 180days is over, I can withdraw my funds to my bank. 

I also told XXXX XXXX that I am considering traveling to XXXX next year for a job in XXXX and as such, it is necessary I link my American bank or card to my PayPal account now when I have not travelled. 

The 180 days will be completed before end of XX/XX/XXXX according to PayPal, but I was considering traveling to XXXX ending of XXXX or first week of XXXX. So it is necessary for me to link my bank to PayPal now because I can not receive a PayPal check/cheque when I'm in XXXX but if my USA bank or my US card is linked, I can withdraw my funds to it irrespective of where I will be. 

XXXX XXXX said I can contact customer support on a later date to assist me in linking my bank. So on Wednesday XX/XX/XXXX I contacted PayPal and spoke with someone and they said I can only request for a check/cheque after the 180 days is over. 

I was also having issues with logging into my PayPal account but the customer service representative helped me and resolved it when I spoke on the phone and I can now access my PayPal account. 


My only issue with PayPal at the moment is for them to allow me to link my bank account or my card to my account or for them to assure me that I can link my bank or card to my PayPal after the 180days is complete.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$750.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Credit Cards Issued by XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX  XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have nothing to say to the investigator of incomm company, this investigator named XXXX did not understand the problem at all, he said that I received the new card from XXXX on XX/XX/XXXX, it is true but that It was my other case number XXXX before, but this time my case number is XXXX, which is the result of the investigation just received recently, they sent my card to my old address in XXXX, and now I am in XXXX XXXX XXXX, I am in Just moved to XXXX last month so it's two amounts, it's not like XXXX said I got XXXX  to replenish my new card, something so simple why would he make this so complicated and make me Waiting for so long, I'm really going to die of anger
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 U.S.C. 1681. 

DEPT OF EDXXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights US DEPT OF EDUCATION XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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: Debt collection

I have tried again and again to try to get help with my student loans. I have been told over and over that forbearance is my only option while I work out how to handle the loan after the XXXX of my father and have taken that route to avoid further damage to my credit for years. I have attempted to speak to the debt collectors when they call and have been yelled at even when trying to explain the situation and that I need help in order to resolve the problem. If I could pay half of my loan off on the call, I would have paid my payments on time. I still have yet to have an explanation as to why, after the XXXX of my father who is on my loan, I ca n't refinance it in my name or why it wo n't go away completely. I am beyond the point of catching up and this business does n't seem to want to help me do that as long as my loan keeps collecting the ridiculous interest rate put on it.
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 XXXX 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 ( Original Creditor : 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX- XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAPIO PARTNERS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that Ive listed are not mine and are fraudulent. 

The companies are Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to close my HSBC checking and saving accounts because I do not want to be migrated to XXXX XXXX. Unfortunately there is no way to contact HSBC. I have been on hold with hold with all three available options ( phone, chat and apple messages ) for an hour now. I strongly suspect that they have shut down communication to avoid mass exodus of accounts in order to boost their sale numbers to XXXX.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me in getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Credit card or prepaid card

I walked into Citizens Bank on XX/XX/2019 at XXXX  hrs and paid my credit card bill in full with the teller. XX/XX/XXXX I logged into my account and they charged me a {$28.00} late fee!
Product: Student loan

Right now I 'm paying what I can but its not nearly enough to cover the past due balance, let alone the monthly minimum. 

After having to declare bankruptcy in 2011, my credit had improved to XXXX. 

When GSMR reported me 120 days past due, it dropped overnight to XXXX. Among other things, that affects my ability to qualify for employment. But I think the damage is already done. 


With regards to my account. The principal balance is $ XXXX. Unpaid interest is another $ XXXX. 

Outstanding balance is {$130000.00} Interest rate is 7.375 %. 

Past due amount is {$6100.00}. 

This does n't even include the private loans. 



My wife has student loan debt of her own around {$90000.00} with an interest rate north of 6 %. Our combined incomes lead the loan servicers to believe we can afford XXXX minimum monthly payments. This is simply not true. As her credit is better, we pay her loan payments in full to preserve her credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. TransUnion is reporting these fraudulent accounts. These fraudulent acc and inquiries are a result of this crime. 

Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX