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

PayPal closed my account for no reason. I worked hard for my money. I deposited my stimulus check and also my payroll check into the PayPal account. They immediately put a freeze on it until I could answer them where the money came from. They said there was suspicious activity. I am soooooooooo ANGRY!!!!! I worked hard for that money. Holding my money for 180 days is NOT an option. I am a single lady working hard and I need that money back. If they don't want my business that is completely fine cause at this point I don't trust them. I just need my money back. They are holding a total of XXXX. I talked to account representatives multiple times " Oh XXXX we are sorry for this I will help you '' " here is a voucher for XXXX for the inconvenience ''. NOT interested in a voucher! I also talked to a manager and he said there was nothing he could do. It is their policy to keep accounts " safe ''. I said it was me who deposited the money and it is me in the flesh who set up my account. If I had a question about a transaction I would be the first to call. I got NO help from him. He said it would go to the review board and I would have an answer within 24-72 hours. Answer was I " You can no longer use PayPal ''. I don't understand the 180 days hold on my money!!! Please help me! I am so ANGRY at them. My email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my inquiries and history information when I came across a couple hard inquiries from XXXX XXXX XXXXAmong these included XXXX XXXX, Captial One XXXX XXXX, XXXX XXXX XXXX XXXX. I didn't consent to these inquiries, and have no idea as to why they were all pulled. The 2 times I allowed this was in Summer of XXXX for a XXXX XXXX and XXXX of XXXX for a XXXX XXXX. It lowered my credit by a couple points, which is not much, but still.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
EXPERIAN 1- XXXX XXXX 
XXXX XXXX XX/XX/XXXX 2- XXXX XXXX  XXXX XX/XX/XXXX 3- XXXXXXXX XXXX XX/XX/XXXX 4- XXXX XXXX XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6- XXXXXXXX XXXX  XX/XX/XXXX 7- XXXX XXXX XX/XX/XXXX 8XXXX XXXX  XXXX XXXX XX/XX/XXXX 9- XXXXXXXX XXXX XXXXXX/XX/XXXX 10- XXXX XXXX  XX/XX/XXXX 11- XXXX XXXX XXXX XX/XX/XXXX XXXX 12XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Equifax is reporting negative information from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP.  Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.
Product: Credit card

My name is XXXX XXXX ; XXXXXXXX XXXX XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX ; XXXX, CA XXXX Phone : XXXX Back in XXXX and beginning XXXX my personal information has been compromised and used to obtain a credit cards under my name. Please find below the fraudulent accounts information. 

XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Status : Closed/Never late. ( as of XX/XX/XXXX ) Contact info : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account name XXXX XXXX Account number : XXXX Account type : Secured Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. ( as of XX/XX/XXXX ) Credit limit : {$200.00} Contact info : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has DATA ENTRY TYPING PROBLEMS IN incorrect spelling of my name. They failed to correctly SPELL my name. There should be ONE CORRECT NAME, ONE CORRECT ADDRESS AND ONE CORRECT EMPLOYER INFORMATION.
Product: Debt collection

They are sending me notices of debt but I don't owe them anything
Product: Debt collection

To whom it may concern, I received a mailer correspondence regarding an alleged debt from United Collection Bureau XX/XX/23 dated XX/XX/23, I do not know who this alleged creditor is. I have never done any business with United Collection Bureau to owe any alleged debt. I do not know anything regarding this alleged account nor any alleged debt owed to this United collection bureau. I dispute the validity of this alleged debt and have attached a formal request for validation, and cease and desist correspondence if this alleged debt can not be validated for verification. Remove my information from United Collection Bureau system, I do not consent or authorize this shared creditor to have any of my personal/ private information.
Product: Payday loan, title loan, or personal loan

I was recently incarcerated for some activities that took place i had purchased an Xbox from XXXX thru citizen bank I couldnt pay the money because my console got stolen an I was incarcerated and I filed an identity theft case an now its not accepting me for any credit or replacing my Xbox that was stolen from me I talked to citizen an they said its nothing we can do I feel like they can give me an opportunity and show them that I can pay them Now an i want my console new version
Product: Credit reporting, credit repair services, or other personal consumer reports

Procollect is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Procollect somehow became involved, and Procollect did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.
Product: Debt collection

I never hired or authorized this XXXX doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXXXXXX with a 100 % coverage and no delectable even if I authorized the XXXX XXXX ( which I did not ) I would have been covered by my health insurance provider.
Product: Debt collection

SLS is Falsely Claiming they are representing and that it was contracted by the owner of the mortgage Loan, to service the '' account ''. 

SLS Representative XXXX ID # XXXX is claiming XXXX Bank XXXX is still doing Business as of XX/XX/XXXX in their letter. SLS Rep. XXXX also provided an " Endorsed Note '' with XXXX XXXX XXXX as Lender to the CFPB in case # XXXX. 

XXXX XXXX XXXX has been Defunct since XX/XX/XXXX 
How is this Possible for XXXX Bank XXXX to transfer or conduct any Type of Business after XX/XX/XXXX? 

SLS also claims the " account '' was " Charged OFF " by the prior servicer? 
XXXX ) Who was or is the servicer they speak of? 
XXXX ) Did SLS Purchase This alleged DEBT? 
XXXX ) What gave them the Right to post False information onto my Credit Timeline? 
XXXX ) Who Did SLS acquire this Account from? 
XXXX ) Was this Debt purchased by SLS? 
XXXX XXXX Provide accurate Accounting according to XXXX. 
XXXX ) Is it a Mortgage Loan or a Line of Credit? 
If Neither provide what type of account this is. 
XXXX ) If prior SERVICER charged off account why is SLS claiming they did on my credit Timeline? 
XXXX ) What is SLS claiming is owed if already charged off? 

SLS has Violated The FDCPA, FCRA, GLB, and is Defrauding Consumers and the Government and with their False Claims, Unjust enrichment and Backdating and presenting False information and Documents
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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX and list of Inquiries. 


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

see attached XXXX Codes XXXX Definition rules of construction paragraph 2 titled exclusions state " that transactions do not report to the consumer report '' late payments are a form of transactions and by late payments reporting to the consumer report is actually a violation of a Fair Credit Reporting Act, so a violation of the late payment is a direct violation of the Fair Credit Reporting Act.
Product: Credit card

This is the third time we used a bankcard at a local XXXX  and had the card data used for XXXXXXXX XXXX We don't have or use XXXXXXXX XXXX 
Details : Funding source- {$10.00} USD - PayPal Account ( debit card ) Customer details Contact info : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX *Transactions not refunded : XXXXXXXX XXXX XXXXXX/XX/XXXX, Preapproved Payment Transaction ID : XXXX, - {$10.00} USD XXXX  said by phone they had no record of any transactions or that I had an account ' Dispute details to PayPal : ( reported to police because someone was repeatedly stealing credit card data through use at our local XXXX XXXX Copy of complaint details : We don't have an XXXX  account. I started to create one under xxxx as there was no other way to contact them, but I didn't complete the application. This was an unauthorized charge to my PayPal Debit card. I suspect someone got the card info to make this charge illegally by unusual methods. This same issue has occurred twice before, just after a bankcard or credit card was used at a local XXXX XXXX store. Somehow, it appears someone there is stealing card data when used at the XXXX XXXX registers and repeatedly making this charge to XXXX XXXX. This has occurred with different bankcards and with two different account holders in my household over the past month. I called XXXX directly, but they simply said they had no record of an account in my name or an account showing this transaction. I reported this to the FTC and local police, as I am concerned there could be several other victims getting their card data stolen in the same hidden way. Since its a small charge, and XXXX seems very resistant to addressing the problem ( s ), most people are probably dismissing this time-consuming task and just cancelling their cards. Meanwhile, the charge is scheduled to overdraft my currently empty checking account. I'm discussing this right now with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  *Account # XXXX ( XXXX XXXX XXXX ) *Account # XXXX ( XXXX XXXX XXXX XXXX  ) *Account # XXXX ( XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing 0 balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks
Product: Debt collection

sent me a summons in mail to address I don't live to go court in XXXX I told them before this that the account was turned over to XXXX XXXX XXXX  6 months ago and they will handle it
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting conflicting information on my credit report as far as the XXXX. Can you please have them provide you with this information.
Product: Mortgage

Ive been trying to get help from My loan servicer, AmeriHome Mortgage LLC. Ive applied for the past 4 months for a Repayment Plan. Each time the servicer approves then removes the payment plan without explanation. When I call Im told theres a system glitch or either given some other reason that doesnt make much sense. Each time that Ive called ( at least 15 or more over the past 4 months ) Im questioned, told that I will be helped, granted a repayment plan, the.n 2 weeks later the Repayment plan cancels without reason. Ive been told that its my fault because I made a payment even though the agents ALWAYS instruct me to make a payment as a down payment for the Repayment Plan. Each agent tells me different information and its never clear or consistent. One agent informed me that I was eligible for an additional month of deferment, but that I had to wait and request it after the approval. I waited and requested it. I was informed that, that agent was incorrect and that I was unable to get assistance. On two occasions I was sent the Repayment Plan approval letter ( I have proof via screenshot ). I signed it and returned it and the Repayments was still cancelled. I have called and been told that since I made the down payment Im no longer behind enough on my mortgage to qualify. So I was advised to wait and get behind an additional month. I tried this and was approved, then 13 days later it was cancelled and I was considered 21 days behind because the company had taken the down payment on the day I called. It has been frustrating, devastating, and has exacerbated my anxiety. I recorded the last phone call and the lack of knowledge, customer care, and support was profound. I need help please! Im sure that there egregious actions and constant glitches to their system is illegal and negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID 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 an account without my written instructions.
Product: Vehicle loan or lease

Years XXXX ; Amount {$570.00}. 
I have been on a payment arrangement with Credit Acceptance and my car was still repossessed. After getting it back I was asked to pay higher amount to get caught up. They was aware of my hardship due to covid. Since then I have been XXXX  and given XXXX XXXX. I also acknowledge that with them. I was not able to complete my arrangement plan bc I paid a payment early and was told I must pay {$50.00} to not be repossessed. Due to me being in the hospital and forgot about the {$50.00} I was not contacted till days later that my car was up for repossession. I was then told must pay a full car not in order for them to take the hold off. As I paid, 2 days later, I was then told I must pay another {$50.00} to keep from being repossessed. I got on another arrangement and had to get that corrected bc I put on a plan that would continue put me in a hole. I agreed to {$280.00} XXXX XXXX. They are reporting to credit bureau for late payments while I'm on a payment arrangement which is steady causing me to be in hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 3 letters & called more the one time to remove some things of my report that were inaccurate. Looking to remove them items & they goes as follows :   XXXX   XXXX   ( XX/XX/XXXX  ),   XXXX   XXXX   (  XX/XX/XXXX ),   XXXX   XXXX   (  XX/XX/XXXX  ),  XXXX  (  XX/XX/XXXX  ) &   XXXX   XXXX   (  XX/XX/XXXX  ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX Account NumberXXXX My data was affected by the XXXX XXXX XXXX, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.