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

A hacker gained access to my Paypal account and setup a bank account, email and phone. I was NOT notified by Paypal that this happened. On XX/XX/year> I logged into my bank and discovered that {$910.00} was transferred to Paypal. I checked Paypal and found that the hacker transferred money from my legit bank to Paypal balance and transferred the money to the hacker bank account XXXX XXXX XXXX. Immediately, I reported the fraud to Paypal and the case was closed within a few minutes. I called to speak with an agent to report the fraud and was told I set-up the new bank and made the transaction. I maintained that a hacker accessed my account and I did not authorize the transaction and was told to reach out to my bank. On XX/XX/year> I went to my bank to report fraud, close my bank account of 21 years and opened a new account. Paypal is refusing to investigate. My bank restored the money to my account and requested that Paypal return the money to them. I went online to close my Paypal account and they have a negative balance of {$910.00} and placed into Paypal collections. I called collections to dispute the negative balance. I have called and spoke to Paypal agents multiple times and they refuse to acknowledge fraud and continue to blame me. I opened my account with Paypal 14 years ago and not once have I transferred funds from my bank to the Paypal balance, This should have been a red flag and I should have been contacted immediately. Please help me resolve this fraud and clear the negative balance from Paypal so that I can close it.. I am concerned that this hacker used my profile information to setup a bank account with XXXX. I reached out to XXXX and they need the bank routing, account and bank transaction ID. I called Paypal and they refuse to give me the information. Please investigate Paypal. I believe this may be an internal issue and can not get Paypal to acknowledge the fraud or investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.
Product: Credit reporting or other personal consumer reports

I called all 3 bureaus in XXXX and XXXX informing them that are reporting things on my report that are directly effecting my life in a negative way. I informed them that they have unmailable addresses, incorrect names and multiple accounts I gave them no permission to put on my report ( 15 U.S. Code 1681b ). Multiple violations on the report.15 U.S. Code 1681c - Requirements relating to information contained in consumer report. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX Credit Account XXXXXXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  Account XXXX XXXX XXXX Account 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Mortgage

I have called 7Seven times to get this corrected and have spent over 15 hours of my life on the phone with over 18 FLAGSTAR service people. I have been told something different by many of the Flagstar support staff that I have talked to. I have been assured every time that the problems will be cleared and every time NO CHANGE IS MADE. 
I have escalated my request directly to an Escalation Specialist TWICE, still wo ZERO resolution. 

Issue 1 Flagstar took out a Hazard Insurance XXXX policy on my unit for {$1600.00} IN ERROR o This is a townhome and I cover studs in and have the XXXX contents insurance for that o There was no requirement for me to provide XXXX insurance ; according to at least 2 of the people I have spoken with in the past 3 months o Regardless I have TWICE sent in the proof that my XXXX did indeed have insurance for the whole time my loan has been with Flagstar Issue 2 Flagstar has scheduled my contents insurance that I pay directly to XXXX [ XXXX ] to be paid out of escrow o I pay this DIRECTLY to XXXX it DOES NOT GET PAID FROM ESCROW and should not be showing as projected to be paid from escrow
Product: Credit card

I opened a home equity line of credit ( can be used similar to a credit card, against the value of my home ) with TD Bank a few months ago. My limit was XXXX. The only transaction I did was for the amount of XXXX, to pay off my remaining mortgage and home down payment. When my first statement arrived in my home, the balance stated over XXXX. More than XXXX was spent by someone else, using my card that TD Bank said they had mailed to my home, but I never received the card. Somehow, these people activated my card and used it on a spending spree all over the city -- at many ATMs to withdraw cash, XXXX, and many luxury goods stores along XXXX XXXX in XXXX. Since then, as they asked, I filed a police report ( that I will attach ), and it 's been over 6 weeks. TD Bank will not return the funds to my account. They are in a never-ending state of " We are still investigating '', but meanwhile I can not use that balance in my account for business matters. It is causing me great XXXX to have this hanging over my head.
Product: Vehicle loan or lease

I am trying to make my monthly automobile payment of {$400.00} and the lender XXXX XXXX Chase Auto Finance will not accept the payment. Instead it is showing {$1300.00} remaining payoff balance on the entire loan. It will not let me pay just the normal monthly amount and I don't know why? Why is it seemingly forcing me to pay off my loan early? Please explain. I would like to make my normal monthly payment amount only. Why can't I do this? This is a new seperate issue since my last cfpb complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX XXXXXXXX I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List the accounts XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, a certified letter was sent to the Creditor on my consumer report. The letter requested the following : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect on a debt in the State of Maryland ; and Provide me with your and your client 's proof of Good Standing under the laws of Maryland and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

All receipts were kept and the letter tracked and delivered to the creditors address as listed on my consumer report. As of XX/XX/XXXX, no documents have been received that address the above concern and I am requesting that this be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX are incorrectly reporting me as an Authorized User on Citi card  ending in account # XXXX I called Citi and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I wrote a letter on XX/XX/year> to XXXX concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

I have ask this company to stop reporting actively on my credit report because this card has been attached to my income as I showed proof of that and two its in bankrupcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXXXXXX 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 US DEPARTMENT OF EDU XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) 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 I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. 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. 
XXXX  Account # 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. 

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, EQUIFAX and XXXX credit reporting agencies 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. A PERSONAL LOAN OPENED WITH POSSIBLE FINE ON XX/XX/XXXX balance {$490.00} ( I DO NOT HAVE ACCESS TO THE ACC. NUMBER ) AUTO LOAN OPENED WITH XXXX XXXX XXXX OPENED ON XX/XX/XXXX ( ACXXXX # XXXX ) BALANCE {$20000.00}. PERSONAL LEASE ACCOUNT OPENED WITH XXXX XXXX XXXX XXXX ( ACC # XXXX ) OPENED ON XX/XX/XXXX BALANCE {$4600.00}. IN ADDITION 4 HARD INQUIRIES XXXX XXXX XXXX REPORTED ON XX/XX/XXXX ; XXXX XXXXXXXX XXXX REPORTED ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX  REPORTED ON XX/XX/XXXX AND XXXX XXXX REPORTED ON XX/XX/XXXX., These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then XXXX  120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( Transunions, XXXX and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against XXXX for verifying a debt that was linked to a fabricated address. The validation process used is not only insufficient but also violates the Fair Credit Reporting Act ( FCRA ) due to the use of incorrect and fraudulent information. 

Key Issues : Fabricated Address Used for Verification : XXXX verified a debt using an address that does not belong to me, making the entire verification process illegal under 15 U.S.C. 1681s-2 ( a ), which mandates that only accurate and verifiable information can be reported. 

Failure to Provide Proper Verification Documentation : I have repeatedly requested the original contracts, including wet signatures and IP address logs that show when and where the contract was signed if done online. XXXX has failed to provide any of these essential verification documents. 

Continuous Reporting Despite Disputes : Despite disputing this debt multiple times, XXXX continues to report the account as verified without sufficient documentation or proper investigation as required by 15 U.S.C. 1681i.

Legal Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation of the dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Re-aging and continuous reporting of incorrect information.
Product: Checking or savings account

Have already filed a complaint when this happened and would like to be compensated in current lawsuit against them.