23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online selling because I'm a freelancer since XXXXXXXX XXXX,2021. My paypal account : ( XXXX ) as of now has no stucked funds because I've already withdrew them before my account got limited but I am hoping for the restoration of my account. 
Thank you and Godbless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting one credit card under two different accounts. Both reported accounts, reflect the exact same - credit limit, highest balance, payment history, etc. 

This violates FCRA. 

I have only ever had one credit card with them, so for them to reflect duplicate balances, highest balance, and the exact same delinquent payment history is ridiculous. 

Experian refuses to acknowledge the obvious and are also in clear violation of FCRA.
Product: Credit reporting or other personal consumer reports

you are being advised of a fraudulent inquiry made on muy consumer reort. XXXX XXXX. By XXXX I do not recognize this account nor im I liable for it. Please remove as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint about XXXX. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. Enhanced Recovery Collection claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from XXXX saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at approximately XXXX on Monday morning I called Experian to clean up my credit report and noticed their was addresses on my credit report where I had never lived in my life, I have been in XXXX XXXX for 35 years, Well some of the addresses they removed but their is still this XXXXXXXX XXXX XXXXXXXX XXXX. Which the agent just refused to delete because he's in charge and that I was having my mail sent there, Now what sense does that make, Experian had me living in XXXX XXXX also, I had to argue about that, they had me living at XXXX XXXX in XXXX, please help me, This company Experian is sabotaging my life.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

XXXX notified me that I owed them {$1100.00}. I was then contacted by a debt collecting agency, True Accord of the same matter. But I disputed it because I have no knowledegw of what I owe XXXX for, neither did I owe on ANYTHING before I disconnected with them ( Phone was paid off before disconnecting ). On XX/XX/XXXX I emailed True Accord The information regarding XXXX is inaccurate, the dates, the balance & the payment history. Im asking you to remove it & send me documentation on all of the account history. True Accord replied via mail, XX/XX/XXXX : XXXX states I owed them {$1100.00} in XX/XX/XXXX. That is it, that is all. I asked for ALL history to see for myself AND to help them but it shows no history neither does it breaks down what I owe for.
Product: Mortgage

I already have a complaint filed XXXX. However the person at Wells Fargo who is assigned to handle my complaint knows absolutely nothing about the HAMP program and how it works. She should not be in her position. Her name is XXXX and the phone number I was given for her direct line is XXXX Ext XXXX. She is incompetent and is also refusing to give me timely information. I am requesting a copy of my specific lenders guidelines on a HAMP modification, A copy of a phone call made on my behalf on XX/XX/XXXX, Also a copy of HAMP rules stating the number of modifications, forebearances, and repayment plans allowed to an individual. I am also requesting that if these can not be given to me within 48 hours ( by Wednesday XX/XX/XXXX ) I am requesting a postponement on my foreclosure sale. I have been told so many different things and been lied to by my lender. I want all of the rules in writing this time.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. I noticed that XXXX XXXX has been reporting Account name XXXX  XXXX  Date opened XX/XX/2014 a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.
Product: Debt collection

I have sent a letter certified as the fraudulent contract was never validated. You are attempting to ruin my reputation with a contract that isnt enforceable. The contact never had a meeting of the minds or proper consideration. Before they could ruin my credit they would have to arbitrate with me per their clause ( Which is invalid ). They ignored my request and continue to call my business phone ( calls is down below ) I have expressed in the letter that was delivered to your office on XXXX XXXX ( letter will be attached ) that all communication should be in writing. They ignored my letter. This violates Fdcpa, Tila, Tcpa, FTC, contract law ( UCC ), registration act, securities exchange act of 1933, G.A.A.P violations and more. The letter stated that your company couldnt harm my credit until validating my offer to perform under conditions precedent. This is my last attempt to come with an agreement. I will go seek damages if this company chooses not to act. I will continue to stay in honor to the laws of the land. Your company is in violation.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$6700.00} US DEPT ED XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$8900.00} XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/year> XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4700.00}
Product: Checking or savings account

My debit/credit card information was stolen and Bank of America denied my fraud claim and wont reimburse me the money.
Product: Checking or savings account

I wrote a check ( via Citizens Bank account personal check ) and put it in the US mail to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the church and was never cashed by the church. However, the check was cashed on XX/XX/XXXX at the XXXX  XXXX XXXX. I filed a report with citizens Bank XX/XX/XXXX, which is when I found out that my church had not received the money. I have a claim number with citizens bank which I filed on XX/XX/XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call XXXX  XXXX XXXX as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called citizens bank again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.
Product: Student loan

I 've been paying my loan with Navient since I graduated in 2009. I have n't missed a payment. My current balance is {$8600.00}. The original loan amount was {$9000.00}. How am I supposed to get ahead at that rate?
Product: Student loan

On XX/XX/XXXX my father and I sent in a check in the mail for {$10000.00} to my MOHELA student loan as we are ready to pay it off in full. The check had my account info and a letter enclosed of what the check was for. The check was cashed on XX/XX/16. After calling MOHELA customer service XXXX times, being left on hold for XXXX hours daily, and submitting proof of the check being cashed customer service has not helped one bit in telling me why my money has not only not been applied to my account but it is lost in their system. MOHELA cashed my check and refuses to document that anywhere. Upon hours with unhelpful XXXX, we learned that MOHELA is marketing their new platform on their current platform and we apparently sent the check to their new XXXX XXXX XXXX though it was listed on their website to send checks to. MOHELA said they would submit a claim which could take XXXX business days but I am not sure this will go anywhere. There is no reason why MOHELA cant note to submit my payment to the correct XXXX XXXX XXXX few towns over or refund my payment. I am left paying more interest on this loan and XXXX negligence is causing mental and financial stress on my family as this loan should have been paid off by now.
Product: Credit reporting or other personal consumer reports

Experian refuses to update my information. Experian has my name and address incorrect and even though I have sent them my state ID, my SS and my pay stub that shows my address, they have not corrected the problem. 

This is my correct name and address My Name : XXXX XXXX XXXX XXXX Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX open attach for id
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX I had a bank account with Bank of America and on XX/XX/2023 someone deposited a XXXX check in my account thru the mobile app and this bank has been giving me the run around I called the bank and nothing is being done I have a fraud claim put in and they keep telling me it takes XXXX too XXXX  days and I'm on a government income I need my funds too be refunded too me because I have too Take care of my needs I have a government check in the bank for XXXX and XXXX for XXXX dollars plus a work check for XXXX so I would like something too be done because it's stressful and all they doing is giving me the run around I don't have the time or patience for this please help me thanks XXXX I would like this bank too close theses accounts and refund me my money
Product: Money transfer, virtual currency, or money service

Paypal all the sudden changed its policy to put a hold on my incoming funds if it is over {$1000.00} in a rolling 30 day period. they said they can hold my money for up to 21days without any interest even.. This is XXXX Paypal has never done this before and this is completely inappropriate. They are i believe illegally holding consumers money for no reason. they have never done this before and i want my account put back to the old way with no holds on my incoming funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed Transunion is reporting inaccurate collections accounts on my file, so I reached out to them. They verified the accounts even though they are not correct. on XX/XX/XXXX I asked them to provide me with how they verified the information and they never did. They failed to conduct an investigation and they failed to provide their method of verification.
Product: Credit reporting or other personal consumer reports

I want the reported accounts removed from my credit report. 

- Account : XXXX XXXX / Amount : {$XXXX} - Account : XXXX XXXX / Amount : {$XXXX} - Account : XXXX XXXX / Amount : {$XXXX} - Account : XXXX XXXX  / Amount : {$XXXX} - Account : MoneyLion / Amount : {$XXXX} - Account : XXXX  XXXX /Amount : {$XXXX} - Account : XXXX  / Amount : XXXX - Account : XXXX bank / Amount : {$XXXX} - Account : XXXX XXXX XXXX Amount : {$XXXX} - Account : XXXX XXXX  XXXX Amount : {$XXXX} - Account : XXXX bank XXXX XXXX Amount : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 this year I talked to a representative at Equifax in the fraud department to dispute inaccurate information being reported. I asked for the account to be deleted because I noticed that their is no company name, address or any contact information to actively dispute this account. 15 U.S. Code 1681, plainly states that inaccurate credit reporting gravely affects fairness, and the respect for the consumer 's right to privacy. This is fraudulent activity and it's very hard to deal with emotionally, I demand this account be deleted, I do not validate this debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate address are reporting on my personal credit file with XXXX, Experian and XXXX credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Vehicle loan or lease

I do not have specific dates but I have asked them numerourous time not to call my place of employment. The consistently continue to do so. Even whe my payment is less than 30 days late
Product: Credit reporting or other personal consumer reports

I have sent in all documents from letters, cease, and assist letters. They are violating the fair credit play neck, and the consumer protection act. Section 611 & 601
Product: Credit reporting or other personal consumer reports

Its been 6 more maybe more ever since I contacted experian and all 3 credit bureaus in regards to my credit report being inaccurate and having identity theft issues and collection agencies putting marks in my credit report and make claim over the website and send multiple letter to their XXXX XXXX and the only resolution I get is. We received the letter and no action is been taken because it appears the information is not being sending by me or authorized by me. This company is so incompetent and the only one Im having this issues all rest credit bureaus already fixed my issues and contacted me and helped me go through all this guiding me how to get things done and experian just send emails saying it doesnt appear to be me and they dont take action like who else is gon na be then. I just dont care the logic of this company but when others come to put collection on you yeah they report right away without hesitation and asking documentation but when Im the user makes a claim and Im a victim of identity theft all I get is we dont take actions because we dont know if this is you. I sent them letter showing my identity in all ways attaching all type of documentation they say in their website are the ones to file a dispute and all I get is no we dont take action. You guys are the worst company to manage credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, XXXX and Experian provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX   {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX {$30.00}, ( # 10 ) XXXX XXXX XXXX   {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX  {$71.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies are still reporting a account that was opened in XX/XX/XXXX with XXXX XXXX and closed /discharged in XX/XX/XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XX/XX/XXXX and reporting it as opened in XX/XX/XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, it's been a frustrating situation for me for over 10yrs. I periodically monitored my credit and disputed inaccurate items as they appear, most were corrected but ONE! XXXX  XXXX XXXX insists I opened a account for a credit card XX/XX/XXXX in a state I never resided in. In XXXX I tried multiple times disputing this fraudulent item to no prevail, It's currently reporting negatively on my credit report as charge off for {$1500.00} I sent a copy of the original police report about the identity theft, the info I filed with the social security association and the report I had on file with the IRS and they insist the account was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Debt collection

( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.