23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX ok and traded my XXXX XXXX XXXX in to carvana for a XXXX XXXX XXXX everything was good till I had to reach out to them for a registration form because my paper tag was out of date and I was informed that they were not moving forward with the sale that I had to write a letter to the underwriting team and they would not tell me anything else on the issue I still have no clue why this has happened but this morning I had wrecker service show up to get the car and I didn't allow them to take it till I got my trade in back they won't talk on the phone they won't tell me anything and they are trying to pick up the car without giving me back my car I traded in or a reason why it's even happening they never called or sent any notice saying this is what they were doing I wouldn't of even known if I didn't call them to get registration for tag I've tried reach out several ways no one will talk to me about it its been put on my credit report and they are wanting me to make a payment as well idk what to do please can u help me?
Product: Debt collection

I have a debt collection that was put in ny name by my mother. It was a internet bill with XXXX XXXX XXXX for {$210.00} but my mother already paid it
Product: Consumer Loan

unlawful unfair abusive tactics to collect a consumer debt in iaw the [ fdcpa ] the are using legal jargon saying they need me to call back immediately to give tracing and location info to serve civil notice about some kind of litigation they have that never happened creating a false sense of urgency.they called my brother and told him all the details about my loan and ask him could he pay something on the loan.also, on XX/XX/2017 I received a recorded message about some reference number at XXXX at night waking up every one at home.i sent them a cease communication letter in XX/XX/XXXX but they just ignore it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report did the fraud affidivat and disputed it with the credit card company and they are refusing to delete the transaction from my credit report
Product: Student loan

Dear Sir/Madam, My original loan was XXXX of which I only received a portion of books back in XX/XX/1990. Since then I have paid thousands of dollars, reconsolidated and the loan was sold again to navient which have added thousands of accrued interest to it making it a whopping XXXX. My school also violated terms of agreement by ( closing and not providing services as lifetime course entitlement ). If they closed and I 'm not getting what was promised why should this loan continue? 
I am considering a lawsuit as this is unjust and unfair interest practices during deferment and hardships.
Product: Debt collection

In XXXX 2015 the account assigned and handled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of the creditor Westlake Financial Services was paid in full as per the Paid in Full Notification attached. 

This account should be dismissed by all of the ( 3 ) credit bureaus as " paid in full ''. 

Please take steps to delete this entry from my account or amend it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from XXXX  and Transunion just stating the bankruptcy was validated but did not send any proof of the validation.
Product: Credit reporting or other personal consumer reports

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the companies linked to these fraudulent items. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent items would be swiftly removed. It is important to note that both XXXX and XXXX have already removed these items from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these items when the other bureaus have already removed them. I urge you to remove these items from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I attempted to contact TransUnion directly and was placed on hold for well over 30 minutes before the call was eventually dropped. I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet TransUnion continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report TransUnion is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that TransUnion has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that TransUnion representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of TransUnion incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer filing this complaint against Verisk/LCI because they have are selling Unproven, NON COMPLIANT, or Unverified adverse items to XXXX to furnish on my consumer report. XXXX has continuously reported a bankruptcy item supplied by LCI and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX XXXX  Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Verisk / LCI written instruction or permission to report this erroneous information to any 3rd party to furnish on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
XXXX has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting

I HAVE XXXX ACCOUNTS FROM THE XXXX XXXX XXXX IN MY CREDIT FILE FOR MORE THAN 1O YEARS THIS IS ILEGAL. I TRY TO MAKE A ONLINE DISMPUTE WITH EXPERIAN WITH NO RESULTS THIS IS MY INFO Experian credit report prepared for XXXX XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 PLEASE HELP THSI RUIN MY LIVE THSI ACCOUNTS ARE PAID WITH A REFINANCE
Product: Student loan

I transferred all of my student loans to XXXX in XXXX of last year to hopefully qualify for public service loan forgiveness. I had 5 years of employment verified to count towards loan forgiveness based on my employer certification form. My loans were all transferred and I began making payments to XXXX  in XXXX of last year. At that time, my payment count began. In XXXX, I called to see if my payment count had been completed, it had not, they stated this could take up to 6 months. I called back in XXXX, and they " expedited '' my count, however, told me that counts were now taking up to 9 months. It has been a full calendar year, and my counts are still in process. I have now called back 6 times and been given no indication of when or if this process will be completed. The whole reason I transferred my loans was to hopefully qualify for XXXX and it looks like myfedloans has no intention of allowing me to do this while making money off the interest accruing on my loans.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at XXXX I went to Western Union agent at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX, to send money to my wife who lives in XXXX XXXX as I do every two weeks. Cashier by the name of XXXX was at the customer service counter, I gave her my information, drivers license, my phone number and name of the recipient. I informed her that the information is in my profile which she can pull up on the computer by my phone number. She insisted that my wife 's name was not on the list of recipients I have previously sent money to which I disputed since I had just sent her money two weeks ago and have done so for the last three years. She ( cashier ) responded that I should not argue with her or she will not serve me! She then asked me for my social security number, where I work, what I do for a living and where I was born? As you can tell these are the type of questions which are personal and can be easily used to steal individual 's identity. Of course I could have refused to provide the information and used online service to send money, but the online service for Western Union is  outrageously expensive and most of the time it doesn't work due to technical problems, which by the way they were having technical problems at that time. When I returned home I called Western Union at XXXX to find out if this type of questioning was a new requirement? I was told that it's not, but that each agent may implement their own rules for security purposes. Which I translated to mean that any Western Union can discriminate against anyone as they see fit!! I have been a customer of Western Union for over 30 years and to be treated such I found appalling to say the least. Am sure Western Union feels that they have monopolized money transfer industry, but there have been giant companies in this world who though they were too dominant to fail but as the world changes so will the competition and who knows Western Union may find their way out unless they change their ways. In case anyone wants to get more information from me, my name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or email at XXXX XXXX
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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX. 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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}
Product: Mortgage

I am XXXX now over 2.5 years and awaiting XXXX XXXX scheduling. I applied for mortgage assistance multiple times during this period. And, in XX/XX/year> was told that they could only offer short sale. 
At least twice this year alone, I have requested assistance. Most recently reached out to HUD Certified Mortgage counselor to help with assistance and communication with my mortgage company, Mr. Cooper. I have sent a letter requesting a forbearance on my account and Mr. Cooper keeps putting me through mortgage assistance application process instead of granting forbearance on FHA loan. Furthermore, in communications with both Fair Housing XXXX and the FHA, Mr. Cooper keeps pushing forward the date at which they will consider forbearance.Here is info from email from rep. at Fair Housing XXXX : " I just got off the phone with Mr C and they are not budging. They insist that a forbearance is not available to you until after XX/XX/XXXX. 

The FHA also responded again today, confirming they have now reached out twice to senior management, and that they have requested senior management reach out to me ( which I had also done ). 

While interacting with Mr. C today, it occurred to me that they might be confusing forbearance with partial claim ( which requires 60 days of delinquency ). I defined forbearance for the agent, but it didn't help. I noticed at the last meeting with the attorneys that Fannie Mae and XXXX XXXX are now using the term forbearance to refer to deferrals, which are similar to partial claims. This is a recent change evident in the wording of XXXX  modifications that went into effect on XX/XX/XXXX. I mentioned this possibility to the FHA rep.
Product: Credit reporting

XXXX XXXX This account is not being updated or maintained, correctly. 
1. The Monthly Payment, has {$91.00} a. In the Balance History - XXXX has never supplied this amount to Experian. 
2. The Recent Payment has {$1600.00} a. In the Balance History - XXXX has never supplied this amount to Experian. 
b. I have never PAID XXXX this amount Please Ensure that the Payment History and the Monthly Payment amount, is correct.
Product: Money transfer, virtual currency, or money service

Good day, I'm having problem with my paypal account saying : You can no longer do business with Paypal. 

This was happened XX/XX/2023 the amount was on hold on my account is XXXX USD. 

While i'm busy on my business i received the email from the company that i'm no longer do business and any services from them. I'm using this paypal to accept the payments from my customers. 

My business was stop since this is happened. 

Please help me resolve this problem.
Product: Payday loan, title loan, or personal loan

I was falling behind on my payments but managed to make a minimum payment to keep my account from being charged off on XXXX XXXX XXXX  This minimum payment only allowed an extra 31 days to make another payment to prevent the account from being charged off. On XXXX XXXX XXXX  Upstart sent me a " Right to Cure '' email stating that I had until XX/XX/XXXX to pay my balance before they would charge off the account. Contrary to their email, my personal loan dashboard reflected a date of XX/XX/XXXX to make a payment. Due to the discrepancy in the payment dates, I decided I would go off what was reflected on their website/my dashboard for the payment due. I thought the website would have more accurate information regarding my payment date. On XX/XX/XXXX my account was charged-off. I immediately sent an email explaining the situation and how I was given two dates and that there must be a mistake or error on the email or website. Upstart Loan Operations did not care about the facts that I presented to them. I even provided a picture of my dashboard that had my amount due and it showed XX/XX/XXXX as when it was due. Upstart still refuted this information and evidence and will not recall the loan from the charge-off and allow me to make my scheduled payment. This is unacceptable behavior when the customer has proof that there was a discrepancy in the payment dates. I should not be punished with a charged-off account when I was actively trying to rectify my account and their system was showing two separate dates that I was supposed to make a payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) regarding their handling of my dispute regarding inaccuracies on my credit report. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. Along with my dispute letter, I included copies of my photo ID, social security card, and a recent bill to assist TransUnion in verifying my identity and address. 

However, on XX/XX/year>, I received a response from TransUnion stating that they were unable to process my request because it did not appear to have been sent directly by me or a properly authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable investigation into the completeness and accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's failure to do so constitutes a violation of my consumer rights.