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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Debt collection

i am on ssi and had medical coverage when the bill of service was processed.
Product: Credit reporting or other personal consumer reports

Please remove the following incorrect addresses and employer information from my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

Loan is in loss mitigation/ hardship relief status under CARES act legislationand so reporting as current to credit reporting agencies, Credit reporting agencies are indicating receipt of false information showing it reporting as late, and so reflecting on their credit reports.
Product: Debt collection

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!!! 
If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report.
Product: Money transfer, virtual currency, or money service

TO THE CONSUMER PROTECTION AGENCY XX/XX/XXXX PAYPAL REFUSED TO FULFILL THEIR CONSUMER PROTECTION WARRANTY AND PAY REFUND FOR AN ITEM NOT DELIVERED THEN NOT AS DESCRIBED. THE ORIGINAL PURCHASE WAS MADE WITH PP TO A SPANISH COMPANY : XXXX, ON XX/XX/XXXX FOR A PAIR OF CUSTOM-MADE SIZE XXXX XXXX XXXX XXXX EURO, XXXX ( RED PINK ) PROFESSIONAL GRADE FLAMENCO SHOES AND SHIPPING FOR {$170.00} XXXX OR ABOUT {$220.00} XXXX WITH A 90 DAY DELIVERY. IN XX/XX/XXXX, AT 120 DAYS AND 30 DAYS PAST DUE I EMAILED THE COMPANY FLAMENCISTA FOR MY ORDER. ISNT XXXX MORE EMAILS. THEY IGNORED MY EMAILS AND DID NOT REPLY. 
I MADE A CLAIM TO PAYPAL FOR REFUND FOR NON- DELIVERY. Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CHANGED TO ITEM not as described IN XX/XX/XXXX PP CONTACTED THE VENDOR AND THEN THE VENDOR FINALLY EMAILED ME. I INSTRUCTED XXXX TO CANCEL THE ORDER AND ISSUE A REFUND BECAUSE DELIVERY WAS PAST DUE. 

THE VENDOR SENT ME A PACKAGE INSTEAD IN XXXX, XXXX, CONTAINING AN ITEM NOT AS DESCRIBED : IT WAS A NON-PROFESSIONAL GRADE, OFF-THE-SHELF SHOE, IN ONE-COLOR AND WRONG SIZE. 
I RESUBMITTED THE CLAIM FOR ITEM NOT AS DESCRIBED. PP TOLD ME TO RETURN IT I ASKED THE VENDOR FOR A RETURN ADDRESS AS THEY HAVE XXXX LOCATIONS. PP SAID THEY WOULD REQUEST THE RETURN SHIP ADDRESS, ALSO. PAYPAL STRUNG ME ALONG FOR XXXX WEEKS DELAYING THE REFUND, CLOSING AND REOPENING THE CASE, HOLDING IT UNDER REVIEW, ASKING FOR MORE REDUNDANT INFORMATION, WAITING FOR VENDOR REPLIES, PROMISING ME A REFUND ON EVERY CALL AND NEVER PROVIDING REQUIRED SHIPPING ADDRESS OR ISSUING THE REFUND. 

ON XX/XX/XXXX, I SENT A LETTER DETAILING THE HISTORY VERIFYING FACTS. ON XX/XX/XXXX, THE PP REP TOLD ME THEY WOULD ONCE AGAIN REQUEST THE SHIP ADDRESS FROM THE VENDOR AND RESOLVE MY CASE IN 3 DAYS IF THE VENDOR DID NOT REPLY. ON XX/XX/XXXX, PP REP TOLD ME THEY HAD THE VENDOR RETURN SHIP ADDRESS AND WOULD EMAIL IT TO ME. ON BOTH CALLS THE XXXX SAID THEY WOULD SEND ME AN EMAIL TO CONFIRM. NO EMAILS WERE SENT I CALLED ON XX/XX/XXXX FOR THE EMAIL INFORMATION AND WAS TOLD MY CASE WAS CLOSED FOR LACK OF RESPONSE THAT HAD OCCURRED XXXX WEEKS EARLIER IN XXXX. THIS IS AFTER MY CASE HAD REOPENED AND CLOSED TWICE SINCE THEN IN ADDITION T XXXX OTHER CLOSE RE-OPEN EPISODES. 
PAYPAL HAD USED FALSE CLAIMS AND DELAYS TO DEFRAUD ME OF MY PURCHASE REFUND AND FAILED TO COMPLETE THE BUYER PROTECTION WARRANTY
Product: Money transfer, virtual currency, or money service

Paypal permanently banned me for breach of service when I did absolutely nothing wrong. I opened a dispute on a fraudulent seller and the seller uploaded false information and paypal beleived it, even though I have proof of seller lying through direct text messages. 

I run a XXXX XXXX and XXXX  and XXXX XXXX  XXXX  on XXXX. I have perfect, pristine feedback, and have exemplary ratings from every single one of my XXXX, as I offer great service and extremely high reliability. I have never once had an issue with paypal before this. Either XXXX  or XXXX, all parties have been happy, until now. I opened a dispute for items not received from a scamming seller. We made an agreement to go pick up the item in person. I sent payment through paypal to their paypal email address, as they lived closeby. Upon arrival, the items were not as described, so I refused to accept them and came back home and filed an immediate dispute. 

At the same time, I got a large purchase of over {$800.00} from a contract I was developing to purchase items for their business. The sale went through clear with no complaints. The items were shipped and the buyer was very happy, as I always provide excellent service. I have never once had a chargeback or dispute opened against me. Suddenly, the next day, I receive a message from paypal that I lost the dispute i filed on the fraudulent seller. Then a few hours later, they permanently ban my account and is now holding over {$1000.00} that I need for my business and to pay my bills. Money that I worked hard for. The scamming seller, upset that I filed a dispute, uploaded false information about me. Paypal asked me for proof, of which I provided. Then they still closed my dispute and then shortly after, banned my account. 

This is unfair and spiteful. Not only did they close my dispute, and the scamming seller gets away with my money, they also ban my account for no reason. I have been using paypal for years. Never had an issue. I am not sure if they suspected my large transaction as fraudulent, or if the scamming seller uploaded false information about me. I do have proof that the scamming seller did this as well, as the scamming seller then texted me and told me that they uploaded false information about me to crush me. 

I now have bills to pay, and paypal is keeping me from accessing the money that I worked hard for. Then I am also unable to sell and run my business, as I am effectively locked out from selling on XXXX, as PayPal is still the main payment processor. This type of treatment should not be allowed. I was unfairly and unnecessarily punished for opening a dispute against a scamming buyer, who somehow knows how to game the system. 

This should NOT be allowed. I am immensely inconvenienced and am now losing hundreds, if not now thousands of dollars, as I am unable to sell. I am DEMANDING a quick resolution to this matter from PayPal, as I have broken no laws, nor have I violated their terms of service in any way, shape or form.
Product: Debt collection

I called XXXX to see why there company XXXX collections will not honor My court 's documents stating that it was paid off XX/XX/2023 he was very rude and cussed me out about the debt saying he is not taking it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that both of my accounts with XXXX are past due one for 60 days and the other for 90 days : 1. XXXX XXXX  account XXXX XXXX past due 90 days 2. XXXX XXXX account XXXX XXXX past due 60 days. 
This information is incorrect. These accounts are up to date and show in XXXX and XXXX the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, 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. Please update the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}.
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 XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX  - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : 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 card or prepaid card

Up to a few months ago, I had an AARP credit card with Chase bank for many years. I always paid my AARP card balance with a Chase checking account transfer. I was then notified by Chase that AARP was transferring its credit card business to XXXX XXXX. I did not want to open a XXXX XXXX  account so I disregarded notifications to do so. 
I then no longer had access to any of my Chase AARP credit card statements, nor any credit card history. It was wiped from my Chase account. 
Because I did not have a XXXX account, I had no access to my AARP credit card statements at XXXX. 
I received a letter from XXXX XXXX today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a XXXX account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee that I have had no access to. When I contacted AARP, I was told " This is a problem between you and Chase and XXXX. We can do nothing ''.
Product: Debt collection

I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER.
Product: Student loan

I recently attempted to make a payment towards the principal of XXXX of my higher interest student loans. The Navient customer service associate insisted that I would have to pay the unpaid interest on all loans ( despite their varying interest rates ) and then the remainder would then be applied to the principal. I disagreed with the way Navient wanted to allocate my payment since no payment was due at the time. By the end of the call, I reluctantly agreed to pay the unpaid interest on the high interest loan I was attempting to target. After reviewing my account today, I discovered these clear and specific payment instructions were not followed. Navient applied over 37 % of the payment towards the interest on all loans. This required me to make multiple phone calls and spend an excessive amount of time on hold correcting the way the payment was allocated. I do feel that Navient uses these deceptive payment allocation tactics to systematically keep borrowers with varying interest rates indebted. Please take action against Navient to address these concerns. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

error different names on credit report items not mine cra violation no knowledge po report # XXXX XXXX sent hpd
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX credit card accounts must be removed from my credit report. I was denied credit due to this fraudulent accounts on my XXXX, XXXX, and equifax credit reports.
Product: Credit card

As a result of a scam, which involved my opening an attachment to a fraudulent email, someone took charge of my computer and made a cash withdrawal of {$5000.00} from my Truist credit card and deposited it in my Truist checking account, on XXXXXXXX XXXX XXXX Without my knowledge, Truist adjusted the cash withdrawal and the transaction fee of {$200.00} and then reversed their decision on XXXXXXXX XXXX XXXX. I withdrew {$4400.00} from checking and sent it via a XXXX XXXX to a XXXX  address on XXXXXXXX XXXX XXXX. The State of Maryland, Office of the Attorned General, Consumer Protection Division said in a letter dated XX/XX/2023, that " Based on the information provided, this appears to be a scam. '' I provided the same information to Truist when I filed my first claim, but Truist cited insufficient evidence as the reason for their restoring the fraudulent transactions. I filed two more claims with the bank, the last being Case Number XXXX. In a letter regarding the last claim, Truist stated that " The disputed transaction ... will be removed from your credit card balance. '' I have attached two statements : 1. My credit card statement showing that on XXXXXXXX XXXX XXXX {$5000.00} was withdrawn, and on XXXXXXXX XXXX XXXX that transaction and accompanying transaction fee were adjusted and then restored. ( I opened this credit card to make a balance transfer ; but with the cash withdrawal, I have been charged nearly {$200.00} in credit. 
2. My checking statement showing that {$5000.00} was deposited online and that {$4400.00} ( per the scammers instructions on how to return what they said was their money ) was withdrawn, all on XXXXXXXX XXXX XXXX