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

According to the company they sent a letter to me explaining that two of my scheduled payments were received late, which resulted her account being delinquent at those times. They also claim that they explained the " Good Standing '' message on their website was about on my account. 
This is false! I never received any explanation about the good standing on the web site. It also does not indicate my account has been paid in full! This adverse information is posing an issue with vetting for another auto loan including student loans for college and my job!!
Product: Debt collection

MY ENTIRE FAMILY HAS HAD PROBLEMS WITH  XXXX  CALLING CELL PHONE.   JUST RECENTLY CALLED MY CELL 6 TIMES IN 1 DAY AFTER TELLING TO STOP AND THEN SENT LETTERS SEE ATTACHED.
Product: Money transfer, virtual currency, or money service

I received this notification from PayPal You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX my funds are also on hold ( {$XXXX} USD My complaint is that I have not been involved in anything illegal, I send money to wife and online gaming company. I have doing this for years. I requested my money from online merchant, and the next day PayPal blocked my account permanently. 

I strongly oppose the decision, I have XXXX children and a wife to take care, they took it upon themselves to banned me from PayPal, on hold funding that is used to support my household They said they would release the money on XX/XX/XXXX of next year, but this is illegal, because there is no evidence or policy on what violated, apparently, they have been doing this to many customers, and this has to stop, I don't care to use PayPal anymore, but I like my money released immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Synchrony Bank on XX/XX/2023. First they were unable to find my rooms to go account. Then she found it using my phone number. The agent tried to convince me that my monthly payment was {$88.00} a month. I advised her that was incorrect and that my monthly payment is {$22.00} a month but somehow there are late payments that I dont know where they came from. She tried to argue with me that I was wrong. I then requested a supervisor who stated that there were no late payments and I only owed {$22.00}. I stated to him its showing on my credit. He stated that is incorrect and that I have no late payments. I was completely lost because Im looking at my report. He then transferred me to a customer service or credit dept who dropped the call and didnt even bother to call back. Luckily I recorded the full conversation. I can send it to the company if they would like. At this point its ridiculous. Im not even able to get a clear understanding of whats going on. It seems I may need to take this to court because synchrony bank does not care to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am demanding per my rights under the FCRA that Experian properly reinvestigate the following accounts : Account with 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

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EXPERIAN XXXX letters in regards to the following accounts and have also stated the violations that they are in, EXPERIAN has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EXPERIAN DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS. 

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XX/XX/XXXX - # XXXX US Dept of Ed XX/XX/XXXX - # XXXX US Dept of EdXXXX XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EXPERIAN to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.
Product: Checking or savings account

On XX/XX/20 I submitted a {$500.00} payment using the Venmo app which is tied to my checking account. I accidentally sent the payment to the wrong person and contacted Venmo to reverse the payment. I had to have the person that I sent to in error call in to verify that the payment was made in error and that the transaction needed to be reversed. Despite the other party verifying their identity and confirming that the payment should be reversed, Venmo still will not return the funds to my account. I tried filing a reversal with XXXX XXXX XXXX XXXX where I opened the checking account ) at a branch location but they might not have the authority to reverse the payment either. 

Venmo is not cooperating at all despite me following the procedures that they outlined to receive the money back and my bank can't help much either, so at this point I don't know what else I can do or who to turn to. My bank advised me to submit the information to you for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in home invasion where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also XXXX XXXX XXXX XXXX from Home invasion as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, TransUnion for their failure to conduct a reasonable investigation of multiple disputes regarding an inaccurate account reported by XXXX ( Account XXXX : XXXX ). XXXX sold this account to XXXX XXXX XXXX XXXX on XX/XX/year>, as evidenced by their own communication, yet XXXX, TransUnion has repeatedly verified this inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), CRAs are required to conduct a reasonable investigation into disputes. By verifying this false information multiple times despite clear evidence, XXXX, TransUnion has violated FCRA 1681i ( a ) and 1681b. This has caused financial harm, including denial of credit opportunities and reputational damage. 

I am seeking monetary compensation for these violations and a complete correction of my credit report.
Product: Credit card or prepaid card

I have been through 1 conveniently worded letter and 3 supervisors at the US Bank dispute department. Not one of them took the opportunity to explain to me that I could get ANY related professional to appraise / write the letter VISA needed by XXXX, stating that my hair dye job from XXXX XXXX had been corrected by the XXXX XXXX XXXX. I was led to believe that I needed that letter, specifically from the pandemic closed Beauty School. It was today, that supervisor XXXX called me back and explained that. Naturally, I am livid, feeling that I have been taken advantage of. XXXX XXXX originally told me I should wait until XXXX to see if the Beauty School opened back up to get the letter, and if XXXX would not continue with the dispute, then the money would be rightfully mine. As XXXX didn't wait that long and disputed it again, I did speak with his supervisor XXXX, who I did also explain to that I did not know what to do, as the Beauty School was closed due to the pandemic ( and that I had been trying to contact them in every way I could think of to get this letter, even by dropping a note off in their door ). These supervisors never once took the opportunity to make it clear that ANY hair care professional could write this letter that I needed, they just kept saying that the federal government and VISA was forcing their hand. So then I called VISA directly on XXXX and spoke to XXXX, inquiring as to the ethics of this law, since the Beauty School was closed due to the pandemic, who transferred me to XXXX in the US Bank dispute department to request the case to be reopened. I was told I would be notified within 48 hours as to whether the case would be reopened or not, but I was not. After my 3rd complaint here, I had naturally assumed there was some discrimination, because US Bank only submitted the merchant 's side of the dispute, not mine, so I requested to speak to a different US Bank supervisor. That is when supervisor XXXX explained this missing piece of information to me and I'm upset because it is past the due date time so nothing can be done. I find this all unprofessional and unethical, the teaming up and omitting of such information to take advantage of me ( who has been banking with US Bank for over 30 years ). 

Related to # XXXX, # XXXX, & # XXXX.
Product: Debt collection

At One Time I had two XXXX XXXX, one for my personal use and one for Business, we had a dispute on the Business Card and XXXX denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that XXXX Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after 3 written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into XXXX portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into XXXX the account had been assigned to Zwicker and Associates, I asked the man at XXXX that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and two of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that XXXX and this Zwicker firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.
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 XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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: Debt collection

Company called EOS CCA XXXX XXXX XXXX XXXX, MA attempting to collect debt that is not mine. They reported to XXXX  and dispute was denied by XXXX. I have never lived near the address recorded for service for the XXXX XXXX account. I have an excellent credit history. Common sense would prove that this debt is not mine. 
Turned over to collection on XX/XX/21 and I have never received one notice from XXXX XXXX  or XXXX  or this collection company. Was found on XXXX  credit check. They refuse to remove my responsibility for this identity theft. It appears that EOC is simply attempting to force consumers to pay fraudulent bills to retain credit scores. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXXXXXX XXXX  XXXX on XX/XX/year> under account # XXXX and addresses from XXXX XXXX XXXX XXXX LA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX. I do not recognize the aforementioned account and addresses reported. The aforementioned account and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and addresses are the result of identity theft and fraud.
Product: Mortgage

I changed banks and updated my automatic mortgage payments. My mortgage company is now charging both bank accounts instead of only my new bank. They refuse to cooperate and are making me jump through unnecessary hoops to fix THEIR mistake while charging me double payments, and causing downstream effects because of unexpected withdrawals from my previous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, CT XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Product: Mortgage

My refinance escrow closed on XX/XX/XXXX and the escrow company ( XXXX XXXX XXXX, XXXX ) paid the first half XX/XX/XXXX-XX/XX/XXXX property taxes through the escrow process. This has been verified by a phone call to the XXXX County Tax Collector  as well as a visit to their office. The escrow company collected {$360.00} for prepaid interest ( {$17.00} per day from XX/XX/XXXX to XX/XX/XXXX ). They also collected impounds of {$210.00} for homeowners insurance for 4 months and property taxes of {$110.00} for 5 months property taxes for a total of {$590.00}, but show an aggregate adjustment of {$410.00} for some reason, which leaves a total of {$390.00} that went to PHH Mortgage company for my impound account and shows that total on my first statement from them ( dated XX/XX/XXXX ). I made the first payment of {$910.00}, mailed XX/XX/XXXX ( and received and processed XX/XX/XXXX ) which includes {$170.00} for escrow and the rest for principal and interest. I received my next statement from PHH dated XX/XX/XXXX, showing impounds now at {$560.00}. It also showed a payment to the XXXX County Tax Collector in the amount of {$730.00} from PHH on XX/XX/XXXX. My next correspondence from PHH was " Your Initial Escrow Statement '' dated XX/XX/XXXX indicating I had a shortage of {$720.00} and if I didn't pay the shortage, my payment would increase to {$930.00} on XX/XX/XXXX. I immediately called them and spoke to them and they directed me to their tax collection department XX/XX/XXXX informing of the error and they instructed me to fax all my information to them ( at XXXX ), which I know they received because they had my last name wrong and that was included in the fax and they have since corrected it ( as per the PHH letter later XX/XX/XXXX, that only spoke to correcting the spelling of my last name ). I even included a copy of the XXXX County tax bill which showed the first half taxes were paid XX/XX/XXXX through the escrow company. No response on the tax payment issue. I paid the next payment of {$910.00}, received and processed by PHH on XX/XX/XXXX. The next correspondence I received from PHH was my monthly mortgage statement dated XX/XX/XXXX which shows an impound balance of {$9.00}. I went to the XXXX County Tax Collector 's office on XX/XX/XXXX and the only payment showing on my property taxes were the {$730.00} sent in by the XXXX XXXX XXXX. So where are my impounds PHH supposedly sent to the XXXX County Tax Collector? I overnighted a letter again to PHH to their office in XXXX, NJ, received and signed by them on XX/XX/XXXX and have not received a response from them. I am having trouble scanning documents to the size you have allotted, but can send later.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account # XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.