23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX Balance : XXXX
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well.I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit.Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent account are not only damaging my credit but also causing me significant stress and XXXX.I have no connection to this account and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Vehicle loan or lease

XXXX XXXX financial harasses me they call me back to back to back up to 6 times in a row if I dont answer. They call me over 7 or more times in one day, every day. They call me weekends sundays, up till XXXX! They call me from many different numbers over a dozen different numbers. They have found my parents home number and call them. They asked me to pay more than what my fees are. They dont ask me they demand me to pay. Its getting out of hand its been going on for months. I took the sales man to court because he sold me a lemon car but he lied and he got away with it. Ive been laying everything thays broken out of my own pocket, I dont have enough to be paying almost {$700.00} a month on top of my bills and paying over XXXX or more for the broken car I got sold. I have made a claim with them before they said they could not do anything about that.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2019, XXXX XXXX  MST, XXXX XXXX wrote : paypal XX/XX/2019 XXXX MDT Transaction ID : XXXX Hello XXXX XXXX XXXX , You sent a payment of {$20.00} USD to XXXX XXXX ( XXXX ) It may take a few moments for this transaction to appear in your account.

Merchant XXXX XXXX XXXX Instructions to merchant You haven't entered any instructions. 
Description Unit price Qty Amount Order ID : XXXX | 10 Guaranteed Website Signup Details : URL : https : XXXX | XXXX  : | XXXX : {$20.00} USD XXXX {$20.00} USD Subtotal {$20.00} USD Total {$20.00} USD Payment {$20.00} USD Charge will appear on your credit card statement as " PAYPAL *XXXX '' Payment sent to XXXX Payment sent from XXXX XXXX XXXX  Used ( Total ) MasterCard XXXX {$20.00} USD Issues with this transaction? 
You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

Questions? Go to the Help Center at www.paypal.com/help. 

Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click Help in the top right corner of any PayPal page or please contact us toll free at XXXX. 
You can receive plain text emails instead of HTML emails. To change your Notifications preferences, log in to your account, go to your Profile, and click My settings.

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX, Paypal Refuse to give me my money back
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to seek urgent assistance regarding my PayPal account, which has been permanently limited. As a result, I am unable to withdraw funds from my account or receive any transactions. 

I have exhausted all available channels to resolve this issue with PayPal directly, but to no avail. Therefore, I am reaching out to your esteemed organization for guidance and assistance in restoring my PayPal account to its normal functioning. 

Any support or advice you can provide would be greatly appreciated. Please let me know if there are any additional steps I should take or if there is any further information you require from me. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am the administrator of an Estate, and am trying to close out multiple accounts with Bank of America so that the funds can be transferred to the Estate. I first went into a local Bank of America and provided the bank with the necessary documents to close out the account on XX/XX/XXXX. We were told that we had to use the Bank 's letter of instruction to close out the account, which we first requested on XX/XX/XXXX. When it was not received, we requested it again on XX/XX/XXXX. When the form was finally received, we filled it out and promptly returned it. Additional documentation was requested by Bank of America, the last of which was provided by fax on XX/XX/XXXX. When we checked in, we were told that the information was uploaded on XX/XX/XXXX and appeared to be in process. When we called today, XX/XX/XXXX, we were informed that information that we have provided has still not been reviewed, and that even with an  escalation request, we can not expect any movement on the processing of the funds for another 5-7 days. It is now over nine weeks since we first requested that the funds be provided to the Estate, with no clear expectation of when we can expect that the money will be received. The Estate has bills that need to be paid, and can not do so because of the significant delay in the release of the funds to the Estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX Debt Buyer, 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
Product: Debt collection

Commonwealth is trying to collect a debt from me for XXXX XXXX XXXX XXXX. I contacted original creditor in 2014 and they sent a letter to Commonwealth that the debt did not belong to my SS # and to remove all debt from my acct. Commonwealth did so. However one year later they put the debt back on my account. I called them and told them it was a mistake, they agreed it was and told me to dispute it. I have disputed it but it keeps coming back on my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I filed a complaint with cfpb ( complaint # XXXX & # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX in XXXX XXXX CA. On XX/XX/XXXX, they ran my credit without my permission, and I was not there to purchase a vehicle nor co-signing for anyone. I was with a family member, XXXX XXXX, who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/XXXX. The salesman brought back a re- written contract with a higher interest rate of XXXX  % and {$900.00} for the monthly payments. I immediately told my son not to sign that paper. We told the salesman what he did, and we excused ourselves and left. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in XXXX  years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. Two of the five finance companies who unlawfully ran my credit without permission were XXXX XXXX, and XXXX XXXX are still on my credit report. The action has tainted my credit in a very negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality. See my son, XXXX XXXX 's approval letter attached.
Product: Checking or savings account

Unauthorized XXXX payments from personal XXXX XXXX XXXX  checking account on XX/XX/XXXX and XXXX XXXXXXXX  as follows : - XXXX {$500.00} paid to XXXX  XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX  I XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$1000.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$500.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX Later on XX/XX/XXXX  there was unauthorized transaction from my XXXX XXXX Savings Account to XXXX XXXX for {$210.00}
Product: Student loan

I attended XXXX XXXX XXXX  in XXXX Georgia XX/XX/XXXX and graduated XXXX XXXXMy loan was thru XXXX. I was paying {$220.00} a month for 10 years. My loan balance didn't move much at all. In XX/XX/XXXX i moved my student loan to XXXX XXXX in hopes to pay the loan off in a set amount of time. Which i was successful in doing in XXXX, 14 years after my initial graduation. Just doing quick math I gave XXXX  over {$25000.00} then I had to give XXXX XXXX over {$15000.00}. 
All in all I pay back close to XXXX on a loan that was less then {$25000.00}.

I have not received any letter in the mail since the ongoing lawsuits against XXXX  XXXX XXXX nor any letters in the mail with the ongoing lawsuit against XXXX. 

I am more then entitle to a settlement, please help receive the compensation that owe to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports massive hack which includes the " loss '' of my personal data to who knows who or for what purpose. I have had to freeze all my credit due to this which has made my car buying experience impossible, as you can imagine.
I will not sign up with their monitoring service as I do not trust this company at all. They reported on me for years. 
Who is going to take care of the report on them for thus egregious and appalling crime. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card or prepaid card

I opened three additional cardholders and finished the purchasing criteria, but only received the bonus for one card ( XXXX XXXX ).
Product: Money transfer, virtual currency, or money service

I am unable to link my pnc account to my XXXX account.
Product: Debt collection

On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that. 
Thank you very much
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. The account listed XXXX Account # : XXXX has several inaccuracies which means this account has not been properly validated and verification can not be provided. This is a violation of my consumer protection rights under FCRA. 


Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of any items incorrect off my report.
Product: Checking or savings account

There were two with draw from two checks accounts and my discovered as saved it were an hinkers since I were on the there credit union navy feds..with a debit card I been casted closed over 7 years backwards ago ... him or her used a {$1500.00} the union allows and I were never tolded XXXX did only walked in for cash of {$1500.00} in person with XXXX i.d . displayed. Also I'm as for conviction sentence be heard in the courts of laws out XXXX XXXX Texas. There as is a long trial history of switching money from my account with asking how mush time needs for the defendants... .mostly over smoking XXXX XXXX cigarettes and my freedom of expression, etc..to asks..one courts been closed to from mis trusted outsider and them posted as workers in the network... heard recovering communication ... more information can be gathered from me the solution XXXX feds workers whom were rejected from the systems to capitalize in a XXXX way because I'm XXXX with the word no not one of my picks... nor I'm sorry. 
Civil rights violations. 
XXXX XXXX
Product: Checking or savings account

My bank information was on a XXXX XXXX and my XXXX account was logged into by someone and they stole my money The security team told me that they can see that it did not happen on my device but they cant tell me who did the fraud.
Product: Student loan

My student loan defaulted and was passed around to collection agencies. Immediate Credit Recovery never contacted me regarding this debt. They went through the Dept of Education to garnish my pay, in which they were successful. I appealed and have not heard back for over a year now and have requested an itemized bill numerous times only to be directed to the Dept of Education who tells me they do not own the debt and I need to contact my collection agency. So basically calling back and forth in circles getting the same response. I am attempting to get the status of my appeal and an itemized bill. Any assistance would be greatly appreciated.
Product: Mortgage

Subject : Urgent Assistance Needed to Address Unreasonable Mortgage Terms from Select Portfolio Servicing Dear CFPB, I am writing to seek guidance on how to address an extremely distressing situation involving Select Portfolio Servicing ( SPS ), which has placed me in a financially unsustainable position regarding my mortgage payments. 
As a senior citizen, I have endured significant health challenges over the last XXXX years, resulting in severe financial hardship and arrears on my mortgage. Despite this, SPS has imposed an overwhelming payment structure on me, demanding monthly payments of {$10000.00} starting on XX/XX/2024, for XXXX consecutive months. This figure is nearly equal to my total monthly income, leaving me with no room to cover basic living expenses. 
SPS is fully aware of my financial situation, having reviewed my income, yet they have refused my repeated requests to extend the repayment plan to XXXX or XXXX  months. Their refusal to provide any flexibility is not only unreasonable but feels like a deliberate attempt to set me up for failure. Given that my income is only slightly above the required monthly payment, this aggressive plan makes it virtually impossible for me to succeed, ensuring that I will fall further behind despite my best efforts. 
I have come to understand that SPS has a troubling history of mistreatment and abuse toward its customers, particularly those who are most vulnerable. My experience appears to be part of a broader pattern of practices that exploit struggling homeowners, refusing to offer any meaningful solutions while pushing them closer to foreclosure. 
I am seeking advice on the legal remedies available to challenge these unfair terms and to compel SPS to offer a more realistic repayment structure that takes into account my financial limitations. I believe their actions may be predatory and in violation of certain consumer protection laws. I would deeply appreciate your guidance on what steps can be taken to protect my home and secure a payment plan that is financially viable. 
Thank you for your time and attention to this urgent matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to XXXX. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with XXXX because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with experian saying they will raise my score by XXXX points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about XXXX, but all 3 are always listed on the *free-not free* free credit report page.