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

Paypal closed my account on XX/XX/XXXX I understand that I violated some of their policies however I followed the 180 days hold of the funds which I have on their website.the XXXX $ which was my pay! back on XXXX, then the email of eligible to withdraw the funds came on XX/XX/XXXX which is 180 days, it was early for some reason i don't know why. Then I don't want to withdraw the money yet I wan na create my own bank account first i wan na get things right, so until now XX/XX/XXXX I got my bank account and tried to withdraw my funds so happy and excited, I still cant withdraw it my account is still lock to the teeth, even in their email says for I am able to withdraw funds not just transfer and send money. so please help me, this is so long, I tried emailing them they just sent me a automated one. this is so frustrating. My email linked is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX XXXX  on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX XXXX XXXX of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Monterey Collection services is reporting incorrect information to the three credit bureaus ( XXXX, XXXX and XXXX ) showing the original amount of debt as {$220.00} as of XX/XX/2020 with a now balance of {$280.00}. I have reported this account as fraud to Monterey as I didnt establish this account and they have agreed to remove this account immediately from all three agencies but to date is still falsely reporting erroneous information. I am very concerned that this is unlawfully impacting my credit rating and opportunities In establishing new credit contingencies.
Product: Prepaid card

Received an Amex gift card for XXXX dollars. Tried to use it on XXXX and it was declined
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my reports. Please remove these off my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also state at a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX XXXX it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, REGIONS BANK CREADIT CARD, 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  REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$13000.00}
Product: Debt collection

I made a purchase from XXXX XXXX with affirm for {$790.00} in XX/XX/2021. I then returned it in XXXX but it was never updated via Affirm. Affirm has put 2 collections on my credit report. One for {$970.00} and the other for {$270.00}. I sent the XXXX XXXX  tracking number showing that the package was delivered and received. Both companies keep sending me back to the other to resolve this.
Product: Debt collection

One day I receive an email from XXXX stating that a new collections account was reported on my credit. I log in to see that the collections that was reported was from an automobile wreck that happened on XX/XX/2018. I attempted to contact the company explaining to them that I wasnt responsible for that bill because the driver of the other vehicle drove into the back of my vehicle and his insurance company agreed to pay my medical bills but never went through with their agreement. I had no idea that the bill didnt get paid because Ive never received a notice in the mail until I moved to a new address and filled out a change of address form. Again, that bill wasnt my responsibility and after I called the responsible insurance company, they continued to state that they will pay the bill but kept giving me runaround errands to get the bill to them. I was told by either the collections company or insurance company that the bill can not be sent to the insurance company from the actual collections company. The insurance company provided me an email, for the bill to be sent, that did not work. The hospital that the bill came from stated they contacted the insurance company multiple times to get the bill resolved but they never gotten a response. I then called my insurance company and they distributed a check with the full bill amount so that I could pay off the collections bill. This collections bill caused my credit score to subtract 101 points from my report.
Product: Debt collection

account XXXX XXXX {$350.00} and {$540.00}. I only had one account and it was paid off.
Product: Credit reporting or other personal consumer reports

n 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. 

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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3 years td bank have me with late payments that wasnt my fourth I like to deputy
Product: Vehicle loan or lease

XX/XX/2023 American Car Center went bankrupt, & took posession of the vehicle & has had balance added to my credit
Product: Consumer Loan

I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. 
Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obligates us to delete any incorrect accounts from my credit report. Can you please examine the documents? Some accounts have inaccuracies in their reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Dear Experian Credit Reporting Agency, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX  XXXX # XXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for XXXX & Ok payments for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX N/A XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX for inaccuracy because the payment history reflects last payment XXXX on Experian. XXXX reports it charged off 60 days late. XXXX reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. XXXX has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported an account in tantamount of XXXX.to all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. Thry have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Product: Credit card

This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. 
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. 
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. 
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on several occasions and its causing emotional STRESS and financial damage to me. Failure to provide me with a appropriate legal and lawful response will result in further action. This the last time failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please be advise verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$960.00}, XXXX XXXXXXXX XXXX {$1300.00} REF CFPB PRIOR COMPLIANTS XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX Balance : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations all been sued this is part of those claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. A police report has been filed! REMOVE THIS FRAUD ACCOUNTS ASAP!
Product: Credit card or prepaid card

I am paying my {$25.00} Capital One credit card bill today XX/XX/2020 by checking account by phone, but was told that my checking account number is invalid. 
I called my banking institution to verify my routing and account number ; bank officer verified both are valid. 
I tried again to pay my bill via phone, but was given the same answer by the automated system that my account is invalid. 
I will be charged an exorbitant late charge fee after today, XX/XX/2020, if the payment is not accepted by the company today.
Product: Credit card

My wallet including my license and credit cards were stolen. I panicked, but was relieved that my Bank of America credit card was suppose to have guaranteed protection in case fraud or theft - " {$0.00} Liability Guarantee that covers fraudulent transactions made by others using your account ''. I filed a dispute against XXXX total charges for a total of {$210.00}. The charges included places I had never been to including a smoke shop ( I don't smoke ) and a convenience grocery store. Bank of America denied ALL XXXX of my fraud dispute saying " the merchant provided documentation you received the merchandise or service '' which i don't understand how that was physically possible seeing as my wallet was stolen and I did not make these purchases. 

I have never filed fraudulent charges in my almost 20 years with this bank, and was disappointed to be treated this way. 

I will be attempting to appeal this decision then close my account with the bank, but a complaint is warranted as I should not have to go through this process to begin with.