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

I noticed it was some inaccurate information on my credit report. According to FCRA section 605B it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX {$310.00} is improperly showing on credit report as its under the XXXX an that new law has passed stating that they arent to be on credit. Yet when I disputed they have said its accurate and havent removed it.
Product: Checking or savings account

On XX/XX/2020 I opened a checking account with Charles Schwab XXXX XXXX XXXX XXXX. Both Checking and Brokerage accounts were immediately approved and opened, I was able to access them online. On XX/XX/2020, I received a letter in the mail stating that my account has been closed as it " Doesn't meet Schwab 's business guidelines. 

My credit score is excellent and I don't have any negative remarks on any type of credit bureaus ( XXXX XXXX XXXX, XXXX ... etc ). I had a Checking and Brokerage accounts with Charles Schwab in the past, I had them for years, that was also closed without an explanation. I used that account for daily debit card purchases. All other transactions were Bank to Bank XXXX, No cash or money orders were deposited in that account.
Product: Money transfer, virtual currency, or money service

After receiving {$500.00} payment through an invoice, my account was permanently limited for no reason. The buyer was satisfied and confirmed that they have the product so the 21 day hold was released, after that I attempted to send an instant transfer into my bank account. The instant transfer was unable to be completed so I called PayPal and the rep explained that since my account is brand new the instant transfer takes 24 hours in order to validate the bank account they are transferring the funds to. After waiting 24 hours I looked into my account and saw that Paypal charged me {$0.00} and then gave the money back, but did not transfer the {$500.00}. I checked my Paypal account and saw a notification about a permanent limitation on my account in which I have to wait 180 days to receive my funds. After being on the phone with customer service all day, I was unable to get an explanation as to why my {$500.00} is being held for 6 months!! Customer service was terrible, rep answered the call and kept me on hold for 30 minutes, there is always a long hold period to speak to somebody that is unable to service this issue and resolve it. There is no issue between the buyer and seller, this issue is with PayPal.
Product: Mortgage

Discriminatory and predatory lending practices. Issues with proof of income were compounded and delayed by lack of follow up on part of mortgage officer. 
Documents requested by XXXX  were not reviewed for accuracy before being submitted to underwriting. No follow up on part of XXXX anytime borrower called or texted XXXX claimed to be busy with something and unavailable to talk. Loan closing disclosures not providing accurate information despite multiple requests from customer for corrected information. No response from management regarding customer complaints submitted via phone and email. Mortgage officer indicated that he was made aware of customer complaints. Customer believes that mortgage officer intentionally delayed handling of mortgage documents and customer communication as retaliatory response to consumer complaints.
Product: Debt collection

I received a call from a collector saying i owe a payday loan from 2011 for XXXX. I never took a payday loan ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Phony email : Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, XXXX  and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Date : XX/XX/XXXX Re : Invoice # XXXX I received this invoice, which apparently has been submitted to collections. This invoice is not accurate, and I continue to dispute the invoice. 
I cancelled this service shortly after my email dated XX/XX/XXXX ( attached ). As you can see in my email, I questioned why my data usage seemed to unusually fluctuate. When I called XXXX for an explanation, I was told that XXXX did not have a way to validate the usage levels. This sounds to me like XXXX has set up the perfect scam against consumers ... just bill whatever you want until the consumer complains. 
Upon my cancellation, I turned the device off. 

After that cancellation, you suddenly invoiced me again for XXXX usage in XXXX and XXXX XXXX see attached invoice ). The device has not been turned on since my cancellation in XX/XX/XXXX. I did not receive any invoices for XXXX - XX/XX/XXXX, and I have not received any invoices for XX/XX/XXXX to current date. 
I infer from the XX/XX/XXXX invoice that XXXX may have migrated to a new billing system in XX/XX/XXXX, as this invoice is touted as my new bill. I suspect that when XXXX migrated to a new billing system, my cancelled account somehow was resurrected, and I was invoiced for services that were not provided. I wonder how may other consumers are experiencing the same issue, and if so, is there a possible cause for class action litigation? 
Again, I called XXXX and disputed the invoice. I followed that with an email dated XX/XX/XXXX ( attached ). I hereby demand that XXXX : 1. Honor my cancellation from XX/XX/XXXX ; 2. Delete any balance owing from XXXX XXXX XX/XX/XXXX to XXXX ; 3. Rescind any referrals to any collection agencies ; 4. Remove any erroneous reporting to any credit reporting agency, by either XXXX or any collection agency, if any were made ; and 5. Formally respond in writing that all these actions have been taken. 

I expect to receive a formal, written response within 30 days, or XX/XX/XXXX. 

To this point, I have kept this dispute between XXXX and me. Failure on your part to respond to this demand will force me to avail myself of other dispute resolution options, including but not limited to complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Communications Commission, the U.S. Attorney General, theXX/XX/XXXX, litigation, and any other agency I can. 

I hope and expect that you will do the honorable thing. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX I have not received a direct response from XXXX. Instead, I received an e-mail collection correspondence from XXXX XXXX on XX/XX/XXXX. I spoke with a representative from XXXX XXXX, informed him that I was disputing the debt. He said he would refer the dispute to XXXX and I should expect further correspondence. I did not receive any further correspondence from XXXX or XXXX XXXX. 

Yesterday XXXX XX/XX/XXXX XXXX, I received an e-mail from Southwest Credit Systems that looks exactly like the correspondence i received from from XXXX XXXX. 

I continue to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form XXXX receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Checking or savings account

MY ACCOUNT IS CLOSED FROM XXXX, AND I HAVE NOT YET RECEIVED THE DEPOSIT OF THE MONEY THAT IS IN MY SHOPIFY ACCOUNT, THE ACCOUNT BALANCE IS BLOCKED., I DO NOT WANT TO SELL USE THE BALANCE ACCOUNT, SEND A CHECK TO THE MAILING ADDRESS [ XXXX LA XXXX XXXX XXXX APT XXXX, XXXX FLORIDA XXXX ] Payout # XXXX - XX/XX/year> Charges {$9500.00} Total {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed a certified letter on XX/XX/XXXX and have not had a response back. i wrote them a letter asking to provide proof of the 2 late payments they are reporting on my credit report for all 3 credit bureaus on XXXX and XX/XX/2019 but they have not replied and it is over 30 days.
Product: Mortgage

My wife and I are XXXX % XXXX veterans and because of some family medical issues we ended up in Bankruptcy back in XX/XX/XXXX. We were also behind on our mortgage at the time of the filing for bankruptcy, but our house was not included. Around XX/XX/XXXX as we were getting close to our Chapter XXXX discharge, our attorney met with our mortgage company ( Freedom Mortgage Corporation ) attorneys and an audit was conducted which determined everything we were behind on. Some court, and attorney fees were added and the amount came to be XXXX, this amount was divided by 12, which came to XXXX. My wife and I was then asked if we could afford to pay our regular monthly mortgage payment and this additional XXXX for 12 months, we agreed and at that time a court order put into affect. The order called for us to start paying this additional XXXX in XX/XX/XXXX. We followed this court order 100 %, made all payments. We then made our last payment to the trustee and received our discharge on XX/XX/XXXX. When we were discharged Freedom Mortgage Corporation immediately reported us as two months behind on out mortgage. I made well over 20 calls into Freedom and it was determined that when we made that first payment in XX/XX/XXXX, they posted it for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I have no knowledge of this account it is not mine XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I have no knowledge of this account it is not mine XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I have no knowledge of this account it is not mine. 

I have repeatedly disputed these charges and have even sent in proof that I was part of the Data Breah class action suit against XXXX and my claim was valid I have recieved my portion of the settlement however these fraudulent accounts have not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX / XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Docket Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 or other personal consumer reports

I am hoping for your assistance with an ongoing situation I am having with my mortgage company Loan depot. Shortly after my area was devastated by XXXX XXXXXXXX in late XXXX, I went into a forbearance plan with Loan depot. I hoped to free up some cash to take care of damages that had occurred during the storm. I started the plan the month of XXXX and was to continue in the program until the end of XXXX. I continued to pay my escrow amount {$390.00} each month, but excluded the principal amount {$1000.00} each month. My plan was to do a loan modification for the XXXX months of principal to have it added on to the end of the mortgage. In XXXX I reached out to Loan depot to start the loan modification process. During this phone conversation I was not notified that I might not qualify for a loan modification. During this conversation with Loan Depot, I was NOT told that I would no longer be in forbearance. During the first of XXXX I attempted to make an online payment for the escrow amount and found I was locked out of the system. I then called Loan depot and thats when I found that I had been removed from forbearance and was delinquent on my account. I immediately took care of paying and getting my account up to date. I later found out that Loan Depot had turned my account into the credit agencies for being late. Before the reporting from Loan Depot, I had an XXXX-credit score. I have been told by representatives from Loan Depot there is nothing they can do since they sent me a letter about being pulled from the forbearance program. I did not receive a letter from Loan Depot advising that I was pulled from the program. Again, I NEVER received any notification from Loan Depot letting me know I was no longer in forbearance, not a certified letter, not a call and not an email. Prior to this situation I had never missed a payment and had an excellent credit score. I would not knowingly jeopardize that good standing and have to deal with this horrible situation of trying to correct it. I would greatly appreciate any assistance you might could give on this situation.
Product: Credit card or prepaid card

Recently signed up for an XXXX store card. However, I was enrolled in a card security program that charges 1.6 % of your monthly balance, without any indication of it during the credit card enrollment process. The only notice I was sent was an email with the notice that I can cancep anytime, without anything telling me how to cancel. If I didn't check my email often, I would have never known I was enrolled in the program. Extremely unfair practice. I was happy using XXXX, now I will pay off my balance immediately and simply use my XXXX  card.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a  XXXX   XXXX  with the  DOB   XXXX / XXXX /  XXXX   reported at my old address  XXXX   XXXX   XXXX   XXXX   XXXX  attached to my SS #. this is not me or any family member associated to me.
Product: Credit reporting or other personal consumer reports

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Product: Debt collection

I do not know nothing of this debt ( {$2600.00} ) that this debt collector is trying to collect from. I do understand that if I am receiving notices of debt in the mail that my information has been exposed to a third party and this is against my rights according to the Fair Debt Collection Practices Act. I have been harassed by these people countless times. They have sent me emails regarding the debt and phone calls. They have sent mail more than once about this debt. The phone calls implied that further steps would be taken by them if i don't pay for the debt, 15 U.S.C. 1692d. I have been stressed out due to this company because I know they are violating my rights. They are just a third-party debt collector participating in bad debt-collection practices. I wasn't even properly notified how to dispute or even I was able to dispute this fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given 1099-C for any of these debts. I believe these companies are committing tax fraud.
Product: Bank account or service

I have a jount account at Bank of America with my husband where we were victims of fraud, his ATM card was compromised and numerous ATM withdrawals were made in another state and phony checks deposited. This fraud was reported to BOA. They did n't resolve the issues within the joint account and as a result thereof, froze my indiviudal account to " recoup '' the negative balance on the joint account. They put a {$880000.00} debit on my indiviudal account and will not allow me to access my {$3400.00} in my individual account and said the account is closed permanently. They bounced over {$1000.00} in checks when I had the money available. No one will give me a straight answer at Bank of America and basically stole money from me to cover fraud that was committed against me and my husband.
Product: Bank account or service

I previously filed complaints [ Case number : XXXX ] and [ Case number : XXXX ] concerning receiving statements from JPMorgan Chase & Co that are not mine. Today I received a letter from XXXX XXXX Officer Global Compliance Operations JPMorgan Chase & Co stating the issue was resolved. Coincidentally I also received an additional statement that is not mine.
Product: Credit reporting

I disputed the open collections that are still showing up on my credit report since my bankruptcy was discharged XXXX XXXX 2014. The Equifax is not reporting the collections correctly and after talking with the collection agencies themselves i was told they are reporting them as closed collections discharged in bankruptcy. This is causing XXXX collection accounts to show up on my credit report as open collections dramatically injuring my ability to rebuild my credit. I have had no collections since the bankruptcy and have been disputing with this agency since the beginning of this year XXXX / XXXX
Product: Debt collection

I saw these account in my credit report and I am really bothered what is going on. Why does this account appear and it has a lot of missing information. Please help me get them out of my report.
Product: Checking or savings account

I am receiving Pandemic Unemployment from PA. PA is using US BANK RELIACARD Debit card to disperse the money. Everything was fine and for the past 2.5 months, they have frozen my money and will not release it to me. I need that money. I have complied and sent my ID in and they still will not unfreeze my account. It is virtually impossible to contact them by phone so I do so on twitter and they say to send the info via the app, which I have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Salary Finance approved a loan of XXXX in XXXX of XXXX. Payments were made weekly and account was paid in full XXXX of XXXX Credit Bureaus report no payment since XXXX. Account was disputed through bureaus with proof of paid off statement from Salary Finance. Salary Finance claimed account balance was still at XXXX and last payment was XXXX of XXXX and my dispute was dismissed as they said it was being reported correctly.
Product: Credit card or prepaid card

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Discover Bank Opened XX/XX/2017 Amounts XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.
Product: Vehicle loan or lease

I recently pulled a copy of my credit file and notice some inaccuracies on my report. I have account that is showing repossesion. I have never did any business with this company that is reporting this information on my credit file. I do know that it causing a lot of damage to my credit file. I have taken the steps of contacting the company and the bureaus about this matter. However neither of them never responded to letters I have sent and the phone calls that I made the companies representatives kept brushing me off. So I have no choice but to contact you guys because I totally believe my right is being violated.Please help me clear this matter up.
Product: Debt collection

Couple months ago I have the same issue with collection agency but now is a collection company named XXXX XXXX XXXX  for a charge amount of {$280.00} from XXXX XXXX XXXX XXXX. Once again I do not own any amount because the address in the original charge is a different one from my actual address. Somebody else is using my information.
Product: Credit card or prepaid card

On Friday, XX/XX/22. This was around XXXXAfter trying online at Barclay 's XXXXXXXX XXXX XXXXXXXX for assistance over my payment for XXXX, which was due on the XXXX of XXXX ; There we're conflicting new amount of. XXXX cents for interest charges, yet my total balance for XXXX were only {$33.00}. I was now owing. XXXX cents, on between the XXXX to the XXXX a new charge of {$29.00} was added on as late charges also. After speaking to a live person, whose name I still can't pronounce, nor spell, except it sound like a character from " XXXX '' from TV. Now last night a new charge of {$65.00} plus.