23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not advised nor did I allow the bankruptcy information to be added to my Transunion credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX XXXX information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us.
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
Product: Debt collection

This company and IQ Data are both trying to collect the same debt. During COVID-19 I was enrolled in rent relief programs both state and federal. XXXX XXXX XXXX XXXX  are owned and managed by the same company. I was being stalked and after my lease at XXXX finished they moved me down the street to XXXX. After I was attacked management illegally evicted me. XXXX was notified to stop harassing me, through email or my credit. This is fraud and extortion. I will not pay this when victim services police dept and the state of Texas have XXXX housing laws.
Product: Credit reporting or other personal consumer reports

This is among several complaints I've filed as a victim of identity theft. I'm disputing specific accounts in my file that stem from this crime. The account in question has no association with any transactions for goods, services, or money that I've authorized or made. It's entirely unfamiliar to me. Additionally, some information provided on certain accounts has been removed from other bureaus, raising doubts about its accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
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
Product: Money transfer, virtual currency, or money service

Hello, PayPal system close my account without any reason. 
I received a payment from unemployment benefit, but i do not understand why PayPal close my account. 
I need PayPal get me back my account because I do not have any chargeback or fraud activity. 

I get PayPal cash card and now this service is a XXXX. 

I cant buy or paid bill, i cant bought food because PayPal block me at all. 

What PayPal need for help me fix the problem. 

i hope this can really help me. 

My account email is XXXX.
Product: Checking or savings account

Opened checking account with New Customer promo advertisement. Met all the terms and conditions to qualify for credit of {$300.00}. Called customer service after 90 days with no credit of funds, representative stated they do not guarantee their promotions and refused to apply promotional advertisement. This is US Bank
Product: Mortgage

PennyMac is my mortgage servicer. I am obliged to have an escrow with them so they are supposed to handle paying my homeowners insurance and taxes. They failed to pay my insurance premium claiming that they had a problem with the payment. They failed to notify me of this problem until after my insurance expired, opting to mail me a letter after the expiration date of my insurance plan. They then put force placed insurance on my home. Upon receiving notice I promptly resolved their problem for them. I believe that I have been wronged. The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).
Product: Mortgage

I have had a mortgage with PennyMac for the past two years. On XX/XX/XXXX, I sent in my annual homeowner insurance renewal questionnaire, but on XX/XX/XXXX I received a letter from my homeowner insurance that they had not received payment and would cancel the policy on XX/XX/XXXX. The homeowners insurance is paid out of my escrow account and handled by PennyMac. I reached out to my insurance agent who stated that PennyMac had been billed, but did not pay. Upon following up and logging into my PennyMac account, I realized that PennyMac had changed my homeowners insurance from a policy with XXXX XXXX to XXXX. I never received a notification that this change was made and almost lost my policy due to the negligence of PennyMac. This is a violation of Regulation X of RESPA. 
I called PennyMac on XX/XX/XXXX and explained the issue. The employee was helpful and explained that PennyMac noticed the house was listed as a rider on a separate XXXX policy and decided to switch my homeowners insurance from XXXX to XXXX without informing me. The employee was able to change this back and send payment. 
A few days later, I received my escrow analysis from PennyMac and it included a disbursement voucher of over {$400.00} and a significant reduction in my mortgage payment because they used the incorrect XXXX policy in their analysis. After two more phone calls, PennyMac reversed the error and sent out a new correct escrow analysis, this one showing I needed to make an additional payment to my escrow account to meet the minimum amount. This has been an extremely frustrating process and my XXXX payment is still listed as the incorrect lower amount that was calculated with the incorrect insurance premium. 
There have been multiple errors by PennyMac which either slipped through their system or there is no system in place to catch these errors. Additionally, the isolating from refund to deficit is wrecking havoc on my budget during a recession and pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to capital 1 they were to close all accounts in my namesake to fraud. I recently received XXXX XXXX info that capital 1 did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a capital one deduction for {$2900.00} dollars and others I want capital one bank to produce all documents in all accounts in all my names with their company and XXXX/ and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. Capital one was supposed to have closed all my accounts. 
Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus
Product: Vehicle loan or lease

Lenders made Illegal Discriminatory Markup and refused to send a FCRA Notice stating they only took a soft credit report and don't have to send me a FRCA. 

As my quoted down-payment is o {$13000.00} but its was advertised at a {$2000.00}. 

My markup is due to discrimination and retaliation against me. 

I spoken with Carvana as their representative XXXX number at ( XXXX ) XXXX, she told me that I can not speak to a management because they work from home and I have to walt for XXXX days before I can have make another application. 

She indicated they took a soft pull that implied they don't have to follow FCRA.
Product: Credit reporting or other personal consumer reports

XXXX experian and XXXX AND FICO CORPORATION REFUSE TO ADJUST ANY OF MY CREDIT SCORES AND ARTIFICAILY, AND WITH MALICE, DROPPPED MY CREDIT SCORES AT FICO EARLIER THIS YEAR AND ARE KEEPING THEM ARTIFICALLY LOW DESPITE OVER A YEAR OF ON TIME MORTGAGE PAYMENTS, 4 YEARS OF ON TIME CREDIT CARD PAYMENTS, AND NO OTHER LINES OF CREDIT OR PROBLEMS ON MY CREDIT REPORT!! MY SCORES ARE LOWER THAN THEY EVER HAVE BEEN DESPITE YEARS OF ONTIME PAYMENTS AND NO DEBT!! THIS IS XXXX, DISCRIMINATORY, AND DISCRIMNATES AGAINST XXXXXXXX XXXX XXXXXXXX PEOPLE, AND XXXX PEOPLE LIKE ME!! 
FICO, AND THE THREE CREDIT BUREAUS ARE DOING THIS INTENTIONALLY, LIE TO THE PUBLIC, DISGUISE THEIR SCORING MODELS, REFUSE TO CREDIT YEARS OF ON TIME PAYMENTS AND DESTROY PEOPLES LIVES!! INVESTIGATE AND PROSECUTE XXXX, EXPERIAN AND XXXX AND THE FICO CORPORATION FOR THEIR FRAUD AND ABUSE OF THE CONSUMER!! STOP DAMAGING MY ABILITY TO PUT A ROOF OVER MY HEAD WITH YOUR ARTIFICALLY LOW XXXX DISCRIMINATORY CREDIT SCORING MODELS!! YOU DO NOT KNOW HOW MUCH INCOME I HAVE AND ARE ARTIFICALLY KEEPING MY CREDIT SCORE EXTREMELY LOW FOR NO REASON YOU DISCRIMINATORY XXXX CORPORTATIONS!!
Product: Student loan

I am working towards Public Service Loan Forgiveness ( PSLF ). I have been employed full time by a XXXX XXXX since XXXX. When I first got into my repayment plan in XXXX, I told Navient representatives that I would be working towards PSLF. I was enrolled in an income based repayment plan at that time and over the next several years I was assured multiple times that I was on track to have my loans forgiven after the 120 payments were received. 

In XXXX, half of my federal loans were transferred to XXXX. I didn't even realize that they had only taken half of my loans because I still had several private loans being managed by Navient. In XXXX, I called XXXX to question why they had only taken half of my loans. I was informed that half of my federal loans were direct loans and half of them were FFEL ( the wrong kind of loan for PSLF ). Nobody had ever informed me of this. I was able to simply consolidate my FFEL loans and start working towards PSLF on those loans. 

So now, half of my federal loans are on track to be forgiven in XXXX and the other half won't be forgiven until XXXX. This is despite working full time, for a government agency, making on time payments the entire time. That is 4 years of interest and payments that I can't afford to make.
Product: Credit reporting or other personal consumer reports

I am new to credit and noticed inquiries that are not mine. I also see a credit card account that says I am an authorized user that I know is not mine. Please have these items removed immediately.

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my account XXXX  {$3500.00} Limit There is a name on my report that has me also know as XXXX XXXX XXXX. Please remove, that is not my name.
Product: Credit reporting or other personal consumer reports

Sent multiple cease and desists letters and sent validation letters. No valid response with information requested was sent. Continued fcra, cfpb and ftc complaints for USC CODES violations
Product: Credit card or prepaid card

On XX/XX/XXXX I began getting emails from Barclays indicating that my account was past due. I only had the card for a month, so I had 1 statement, which I paid in full before the deadline. I called Barclays and XXXX told me he would remove the fees and interest charges and asked me to contact my bank the following Monday to see if I could substantiate the payment. I use XXXX XXXX  on line banking to pay bills. XXXX processed the payment on XX/XX/XXXX and estimated it was delivered to Barclays a few days later. They had a copy of the cancelled check. I contacted Barclays on XX/XX/XXXX and they confirmed that the fees and interest had been credited - although I was still getting messages that I was late - but was told nobody issued a Missing Payment probe to resolve the matter. I was told it would be initiated then. ( I had also emailed Barclays on XX/XX/XXXX to report the problem and as of XXXX I still have not had a response to that email. ) Today XXXX I attempted to use my Barclays card and it was rejected. I called Barclays again and was told that I needed to pay {$27.00} if I wanted to use the card before the matter was resolved on their end, which could take 25 days. Nobody told me it would take 25 days to resolve the matter. And nobody told me I would not have use of the card while they looked for a copy of my check WHICH THEY CASHED. All this over a {$27.00} fee that I do not owe. I had another complaint about Barclays last year, which CFPB helped me to resolve, but I was so unhappy that I cancelled the account. I went back this year because I had hoped to use the mileage. Frankly I think it was a mistake to reopen the account. They are impossible to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked my Experian consumer report and noticed quite a few unverifiable inaccuracies, there were XXXX inaccuracies to be exact. I filed a dispute to have the invalid information removed and Experian received my dispute notice on XX/XX/2024. The inaccuracies were removed on XX/XX/2024. As a consumer reporting agency, you're responsible for providing true and accurate information yet you failed to do so and have acknowledged the fact you failed to do so by removing the inaccurate information. According to 15 USC 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION ( 1 ) you've violated my consumer rights by reporting false and inaccurate information on my consumer report.
Product: Mortgage

I purchased my home XX/XX/XXXX, I have paid my loan accordingly {$1600.00}, but always paid {$1700.00} and escrow is paid per the lender. However various lenders have held the loan, one of which ran an incorrect escrow analysis, The lender was XXXX in XX/XX/XXXX, lowered my payment in error and sent me a check for the overage. In the interim, my county office did a reassessment in which the value of my house increased, and knew it would affect my payment about XXXX. Wells Fargo now owns the loan, I called numerous times since XX/XX/XXXX to correct and they were unable to resolve because they were unable to understand what transpired once the loan was sold to a different lender. Due to the shortage in the escrow my payment increased to {$2400.00}, in which I have spoken to numerous escalated representatives with Wells Fargo, and they are still working on the resolution. They closed the case previously in which I was not satisfied because they still had not concluded the resolve for the payment increase and each time I make a payment of {$1700.00} it appears that my payment is in default since they increased the payment to {$2400.00} They did send notices of foreclosure previously and reported to credit, however they have since halted the notices and blocked the credit reporting. I am looking to transition to a different state and am unable to move forward until this is rectified. I need assistance. I have contacted my PA state rep. and they did write a letter, however it has now been over a year!! 
Thank you
Product: Credit reporting or other personal consumer reports

My data was stolen in XXXX different security breaches- XXXX from my bank XXXX XXXX XXXX XXXX, the other from Equifaxs Data Breach. As a result when I looked at my report on XXXX XXXX on XX/XX/XXXX I noticed an account I never opened from something called XXXX XXXX. I disputed this account and even filed an identity theft report with the FTC regarding this, Equifax says the account is valid. When Ive called XXXX XXXX  they say they cant assist me because I dont know any of the security questions and the number on file does not match mine, Ive told them its not my account but they do not care. I even mailed a copy of the Identity Theft report and everything to Equifaxs dispute mailing po box last week, but today they said their review is complete and they decided its my account. On the Equifax page it said if I need to make a complaint to come here so thats what Im doing, please help.
Product: Money transfers

My wife, XXXX XXXX on XXXX XXXX 2016 at XXXX XXXX sent a Western Union transfer XXXX XXXX from your Western Union agent near us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX. 

I have the customer receipt and the Western Union USA response by XXXX XXXX XXXX XXXX 2016 where you state that this money was paid to the named recipient XXXX XXXX on XXXX XXXX 2016 in XXXX. The only problem is that our friend did not receive this money but was told that the money had already been received in XXXX and then she went to WU in XXXX. She was again told that this money was distributed and that she needed to contact WU USA which we have done via XXXX XXXX XXXX agency taking 3 weeks for a response. 

We asked WU the following, " Please advise what WU - USA / WU-XXXX are going to do about this? You have lots of small details on this document about our responsibility and a lot of information on protecting yourself from fraud on your westernunion.com website but this money transfer was given to someone else and not our friend and recipient XXXX - We asked them the following questions : 1. Where was the money given? What WU branch/bank etc? 
2. What ID was used to show that this person was indeed XXXX XXXX? ( Even if the person who picked up this bank transfer had all of the info, they would have needed to have an appropriate ID identifying as the above person. 
3. What is WU going to do? ( There is a young man who is unable to pay school fees and thus not able to go to high school until this is sorted out. He has XXXX terms left to graduate. 
4. Are there security cameras in your WU agencies in XXXX like the XXXX in XXXX. It seems like it would be very easy to track down date and time to see who was the fraudulent recipient of these funds? " We were told by WU that the case was close because the money had been received. If we wanted to reopen the case, this could only be done by the Police XXXX or the Police XXXX. We have visited the police in XXXX 3 times and our friend has visited 3 times to the police to XXXX. We have been asked numerous times by WU to do their job for them and we have gotten very little assistance from them like we would quit asking where is our money that was supposed to go to our friend 's son education?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT AGAINST EXPERIAN CREDIT BUREAU BECAUSE I HAVE FAXED A FORM SENT TO ME BY EXPERIAN TO IMMEDIATELY REMOVE THE FRAUD ALERT ON MY CREDIT REPORT. 
I RECEIVED A TRANSMISSION VERIFICATION REPORT ON XX/XX/2020 VERIFYING THAT MY REQUEST Faxed to EXPERIAN FAX # XXXX. WAS RECEIVED. 
EXPERIAN HAS NOT REMOVED THIS FRAUD ALERT AFTER SEVERAL ATTEMPTS FROM ME TO REMOVE THIS FRAUD ALERT IMMEDIATELY. 
PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

I sent a letter to remove incorrect employment as well as inquires. Now on XX/XX/year> an employer was added to my profile that is incorrect as well spelling is incorrect. Ive been having trouble with Transunion adding information to my profile that isnt correct for far too long. This need to be fixed. I spoke to a supervisor back in XX/XX/year> XXXX XXXX, things were never fixed. Just them keep adding incorrect information to my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}.
Product: Credit card or prepaid card

I have been a customer of American Express bluebird for over 9 yrs and today XXXX XXXX i made a transfer into the account and American Express locked my card permanently without any explanation except i would receive an email when i called to see why card was locked. No email never came. I currently have XXXX and sum change on this card. I just want to get my money back at this point
Product: Debt collection

They mail me a letter and I told them that I couldn'tsee send no money with no incomeand no job how can a personpay a old bill and not working.
Product: Credit card

Apple credit cars hosted by Goldman Saughs not only closed my account without warning for unknown reasons, tells me i can apply again but its been atleast XXXX months and i even got an email for a credit offer from them but if i apply ( which the only way to apply is on their wallet app on the iphone ) it opens uo the app to try to get me to apply but eveytime it says apple pay services are unavailable i want either my account back or this to be cleared so i can apply again, and dont try to blame my phone either cause ive tried on teo different phones and my ipad so fix my stuff,,, info was XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX social ending in XXXX