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

I had a PayPal account with which he worked online, sending and receiving money for digital goods sales. On XX/XX/XXXX I received an email indicating that my account is permanently limited without the right to appeal and without giving me a reason. They also indicated that the funds that I had in my Paypal account, exactly XXXX USD, would be held for 180 days and then I could withdraw them. 
On XX/XX/XXXX, I received an email indicating that the 180 days had already been met and that I could withdraw my funds. However, the account continues with a limitation that prevents me from making the withdrawal. I have tried everything to contact them and they give me a solution : XXXX, XXXX and through email I can only speak to a bot that answers the same thing over and over again. Your telephone service is closed and your Paypal forum only serves to meet more people with the same problem. 
Today XX/XX/XXXX I continue with the money withheld and without being able to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX  # XXXX ; Experian # XXXX I'm not aware of this debt. Never had the opportunity to dispute ... If the XXXX XXXX feel they provide this information to me, please provide the Certified Mail Receipt. In addition, please provide Validation of Debt as well.
Product: Credit reporting or other personal consumer reports

I asked Experian to investigate these accounts, and, inquiries that are on my account, that are not, and, were not, authorized by me..I sent numerous letters out on XX/XX/year>
Product: Student loan

I work as a   XXXX   XXXX   XXXX   at a   XXXX  (  XXXX  ) (  XXXX  )    XXXX   XXXX   XXXX   XXXX   XXXX  . We are funded in part by  XXXX   XXXX   XXXX . In  XXXX  I submitted certification to participate in  Public Interest Loan Forgiveness  and my employer,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and m y employment was certified on   XXXX   and   XX/XX/XXXX   respectively. My employment was certified and I was given credit for 8 qualifying payments made between my start date at my job   XX/XX/XXXX  and m y certification end date of   XX/XX/XXXX  .     Absolutely no information has changed. My employer is a  XXXX  (  XXXX  ) (  XXXX  ) organization and clearly qualifies for PSLF for its employees.     On   XX/XX/XXXX   I submitted an employer certification to track my progress and on   XX/XX/XXXX   I received an electronic noitce with a letter titled " WE COULD NOT ACCEPT YOUR PUBLIC SERVICE EMPLOYMENT CERTIFICATION '' The letter then states they have " determined that you  may  not participate in employment and payment tracking for PSLF or that we need additional information to complete our review '' It then tells me my certification is under review, but does not give any reason why my certification was rejected and does not ask me to submit additional information. It gives me no options to address this absolutely bogus response to my legitimate employment certification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in resolving a matter that has been causing me tremendous distress for over a year. A XXXX XXXX account ( Account Number : XXXX ) has been fraudulently opened in my name and has been negatively affecting my credit report. This account was opened without my consent, and I have already filed a police report ( Report Number : XXXX ) detailing the fraudulent activity. 

Despite my repeated attempts to dispute this account with XXXX, Equifax, and XXXX, the account remains on my credit report. My previous message regarding this matter has been ignored, causing me additional stress and frustration during an already challenging time. 

The persistence of this fraudulent account on my credit report has severely impacted my life, including my ability to find a place to live. I have previously requested the original contracts for the disputed items but have not received any response. I am now prepared to take legal action to resolve this matter if necessary. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If you are unable to provide signed, original contracts correlating to the account in question, you must delete the items from my credit report. 

Once this investigation is complete, I kindly request an updated copy of my credit report. I have been under immense stress dealing with this issue for months, and I ask that you carefully review my case and provide a resolution where this account is deleted from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution. 

Sincerely,
Product: Student loan

I have a student loan payment due the XX/XX/XXXX of each month. Because I am now paid at the end of the month ( instead of the XX/XX/XXXX as before ), I requested to have my payment due date changed to the first of the month.

I made a payment for the bill due on XX/XX/XXXX late on XX/XX/XXXX in the amount due of {$260.00}. Immediately following that, I requested through Navient 's online request system to have the due date changed. 

I received electronic notification via Navient 's automated message servicer that my loan billing groups had to be changed in order to change the due date and the next payment would be due XX/XX/XXXX. 

Shortly after that, I received notification that I had a new message. It was a generic informational pamphlet about allocation. When I logged in to view that message, my account showed that I had a monthly payment of {$260.00} past due with a due date of XX/XX/XXXX. I immediately contacted Navient through their online email system to inquire about this mistake. 

When the issue was not addressed, I called the Navient call center. The customer service representative was unable to read the changes to my account correctly. The rep told me that my payment from XX/XX/XXXX was still pending and the past due notice would go away when it posted. This was incorrect, as the XX/XX/XXXX payment had posted both in my bank statement and on my account information page on Navient 's website. 

As a result of the phone call, I received two automated emails saying my email requests would not be addressed since the customer service rep had addressed my issue. I sent additional emails via their website to inform them that the issue had not been addressed and to please explain why there was a payment due XX/XX/XXXX and why I had not been informed about it. 

Having not received a response from Navient, I logged into my account again to check on the status and my bill date had been changed back to the XX/XX/XXXX of the month. I was not notified in any way about that change. Additionally, it now shows my XX/XX/XXXX payment in the amount of {$160.00}. I paid the full amount of my bill {$260.00} which can be proven by my bank statement. 

I have received no notification as to the status of my account, why my loan due date was changed, why my account no longer reflects my payment of {$260.00}. I have sent multiple requests to Navient for assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I filed with a Debt consolidation in XX/XX/2019. {$280.00} down, XXXX per month on {$5.00}, XXXX worth of debt. After a little over a year. I was told by my bank that my credit score had dropped to XXXX. I was almost in tears. explained to her what had happen. She told me to cancel this and not ever just into something, that its messing up my credit. She showed me that only one bill of {$400.00} was paid off. I called MCM and ask how much money have they taken from my account, and why the small debt hadn't been paid.she said I only have XXXX left in the debt consolidation account and they have to wait to they collect more money.So I ask where was all of my money going they told me that they paid one bill and they have to pay lawyer fees also. Thats when I stopped everything and changed my card, while I was there in the bank they was at the time trying to take money from my account. So now! the MCM took over the XXXX XXXX  account of a little over {$900.00}. I didn't hear from MCM. For about 3 months. I kept calling XXXX XXXX telling them I want to start back paying my bill with them. They say that I didn't owe them. I said I know I owe the bill. I went through a lot trying to find out who have my bill.Finally about 2 month later someone gave me a number to call. I finally got to the bottom of everything, and sent out letters to everybody explaining the situation. I was caught up in going through the death of my brother and I fell for this scheme at my weakest moment.with this Debt consolidator. So the MCM. started accepting my payments. For a while I had to ask for. statements. From then own, they call me all the time constantly. For no good reason. I make my payments on the XXXX of every month. Never late. One month I made one and another on the XXXX. they called me and said I still meed to make one on the XXXX. I said I made it on the XXXX because the XXXX fell on I think a Sunday. So I did. Now they calls and say I need to make payment arrangement and do an automatic draft. I refuse the Auto draft. I keep telling them that my payments is the same date that I have been paying on which is the first of every month. They say they don't see where i made arrangements. They are doing this to try and force me to let them do auto draft. I keep telling them no., but they have been doing this for 2 yrs. I am a XXXX and I have uncontrollable XXXX XXXX XXXX.. They are already being paid for more than I owed XXXX XXXX itself and I am never late on my bills.
Product: Credit card

All lates should have had a good will done to remove lates and negatives off my report Reported amount by Capitol 1 do not have accurate balance due. They still did not give me credit for the {$200.00} security deposit.

This has caused me to lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint after sending a letter disputing items on my credit file. Equifax was prompt in their response and deleted inaccurate information on my credit file.

The two items I disputed ; XXXX acct # XXXX on my credit file is not mine and their investigation said that an acct # XXXX belongs to me. I did have an account with XXXX  which was closed paid in full on XX/XX/XXXX. I believe this account acct # XXXX with XXXX   is not my account.

XXXX XXXX XXXX XXXX  acct # XXXX* was never late and I submitted a document from XXXX XXXX XXXX XXXX showing the account paid 21 days after the due date in XXXX XXXX.

I also asked for the verification process which is my right by federal law which I never received. I have included a copy of that law : ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this the above section of the FCRA law I believe affords me the opportunity to get copies of their investigation process into these two items.

Thank you
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally dispute the inaccurate information being reported on my credit file concerning my account with Capital One Account Number : XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter. 

The account is listed with the following inaccuracies : 1. The account status is marked as " charged off '' with a balance of {$570.00}, which I contest as inaccurate.

2. The reported history of missed payments and negative remarks does not align with the proper procedures for verifying accuracy under the FCRA. 

I believe this account may be in violation of consumer protection laws, including but not limited to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Incomplete Verification : If the information can not be fully validated with complete and accurate documentation, the reporting agency must remove the disputed account. 
Statutory Requirements : Inaccurate, outdated, or unverifiable information must be deleted per Section 609 and Section 611 of the FCRA.

Please conduct a thorough investigation of this matter and provide me with a written response regarding your findings. If the accuracy of this account can not be verified or corrected, I request its immediate deletion from my credit report. 

Additionally, please notify all credit reporting agencies of this correction as required by law. 

I expect a response within 30 days as outlined in the FCRA. You may contact me at [ your phone number ] or [ your email address ] if you require further information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 student loan account opened with the Department of Education on XX/XX/XXXX with the balance of {$3500.00} and {$6300.00}, XX/XX/XXXX for {$6400.00}, XX/XX/XXXX for {$3500.00}, XX/XX/XXXX for {$1500.00}, and XX/XX/XXXX for {$3500.00} and {$44000.00}. All totaling up to a balance of {$29000.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX with the balance of {$480.00}, the telephone account with XXXX XXXX opened on XX/XX/XXXX with the balance of {$2600.00} that are closed accounts now but need to be removed off my credit report due to inaccuracy. Additionally, the addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report are incorrect and need to be removed. Also, the names XXXX XXXX and XXXX XXXX XXXX are not names I go by and do not belong to me so they need to be removed immediately. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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.
Product: Credit reporting or other personal consumer reports

I am submitting to file a complaint regarding fraudulent activity on my credit report. After researching how to address this issue, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX XXXX XXXX to file an identity theft report. According to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : EXPERIAN 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>. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Product: Debt collection

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

The 3 Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV XXXX Balance {$150.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
XXXX Accounts to Be Blocked and Deleted 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} 2. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX XXXX o  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} 4. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) 2. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) 3. XXXX XXXX ( Inquiry Date : XX/XX/XXXX )