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

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting late on the OAG CHILD SU partial account number XXXX. ( Please see pages 5 and XXXX of the attached credit report. ) This account was paid in full and therefore there are no late payments to report. Attached is a copy of my payment history from XXXX, XXXX to XXXX, XXXX from Office of the Attorney General Texas Child Support Disbursement Unit Payment Record. This incorrect reporting is harming my credit score and the line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus for remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on XXXX or Experian and I would like it to be reported accurately. XXXX is reporting the information correctly.
Product: Credit card or prepaid card

To Whoever it may concern, XX/XX/2020 I received unauthorized charges on my Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX on the date XX/XX/2020 {$270.00} at XXXX XXXX # XXXX XXXX, CA and XX/XX/2020 {$480.00} at XXXX XXXX XXXX XXXX, CA. I live in XXXX, CA and I have never been down to XXXX and XXXX. 

I contacted Bank Of America to get a new credit card and file a claim. A claim was filed on XX/XX/2020 regarding the charges {$270.00} and {$480.00}. It was deducted from my account. The representative, XXXX, said I would need to provide details through phone or email. I have not received any follow up. But I received a letter with a date XX/XX/2020 that said they extended the credit period regarding fraud dispute. On XX/XX/2020, my new Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX XXXX was hit with {$270.00} and {$480.00} charges and they closed the fraud dispute without notifying me. I found the letter in my online bank account regarding fraud dispute closure has the date XX/XX/2020 and is blank. 

I have tried to contact them and so far they have not responded to these reinstated charges. 

I am aware that under Federal Trade Commission FCBA law that unauthorized charges should be charged no more than {$50.00}. I feel it is unjust to force me to pay fraudulent charges of such amounts. I want these charges removed.

Yours Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party consumer reporting company has been collecting my personal information without my knowledge, and authorization, and distributing this to businesses, marketing companies, and the three credit bureaus. Also they have distributed inaccurate information about me to all three credit bureaus, and refuse to remove the information. I have contacted them directly, as well as the three credit bureaus to get this inaccurate and third party information removed from my credit reports that I do not recognize - two alleged bankruptcies.
Product: Checking or savings account

I opened an account with XXXX Onjuno XXXX XX/XX/XXXX, the account was closed by the company in XX/XX/XXXX without any specific reason. There were funds in my crypto account and my checking account at the time of closure. I was told that it would take up to XXXX  days for the check to be issued to my address. I have reached out more than XXXX times to this business and I keep receiving a blanket response as to why its XXXX and they still haven't issued a check to me. There must be some type of federal consumer regulation that is being violated here. To date I still don't have my money from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

Hello sir. My PayPal account was already limited. Help me restore my PayPal account for me to withdraw my money and also use my PayPal account for remittance and savings. Thanks a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent credit report a hard Enquiring by Experian on XX/XX/2023 which is inaccurate as I did not authorized it. I am out of USA when such unauthorized request was made reported by XXXX  XXXX XXXX.
Product: Debt collection

Transworld Systems , Inc is a debt collector for XXXX. In XX/XX/XXXX I moved from XXXX to XXXX and paid all utility bills in full prior to relocating. In XX/XX/XXXX I noticed XXXX added a collection account to my credit. I disputed this information with XXXX and provided my proof of payment in full. They removed their account but in turn sold the account to Transworld Systems , Inc in XX/XX/XXXX. In XX/XX/XXXX I signed up with a Credit Counseling company called XXXX and I provided Transworld Systems , Inc with a certified letter asking them to validate this debt within 30 days. They never provided the information but removed the erroneous information from all 3 credit bureaus. On XX/XX/XXXX, I received an alert from XXXX XXXX that a new collection account is on my credit and my score dropped 15 points. This new collection account is from Transworld Systems , Inc with an original creditor as XXXX. I have been disputing this for 4 years and initially XXXX removed it but sold it to Transworld Systems, Inc. I disputed with Transworld Systems, Inc and they removed it since they couldn't validate the debt and now this is the 3rd time this has appeared back on my credit file. I have not received any letters in the mail or received any phone calls from a live person to discuss this since I spoke with XXXX in XX/XX/XXXX. Transworld Systems , Inc and XXXX are working to erroneously add items to my credit without following any of the CFPB regulations regarding reporting delinquent information to the credit bureaus. Considering they removed the debt twice after receiving certified letters from me, proves the debt is not valid so I am not sure why they would legally be allowed under any CFPB or Fair Credit Reporting Act to continue to add erroneous items to my credit report after they have been disputed and removed.
Product: Debt collection

Dear CFPB, Please find my complaint against XXXX who pretends to be a " servicer '' for some non-existing Trust, and the owner of my " debt '' which they " purchased '' from some secretive source which nobody can identify. 

Please also find my complaint against Caliber Home Loan , Inc. a previous Servicer. I demand identification of the party who maintains an asset account consisting of my alleged loan receivable as an asset and who maintains escrow accounts and pay property taxes. 

Since XX/XX/XXXX XXXX refused to provide me ANY information related to their purported ownership of my loan which XXXX purportedly purchased from someone whom nobody cans identify. 

XXXX also pretends to maintain my escrow account where XXXX collects my money to suppose pay taxes and property insurance. 

In fact, XXXX does not pay my taxes and I suspect they do not pay my property insurance as well. 

I went to my local Treasurers office in XXXX XXXX and asked treasurer XXXX XXXX to verify if XXXX paid my taxes. 

Treasurer XXXX did not had any records about XXXX paying my taxes. 

Neither PennyMac or Caliber never provided me ANY receipts of their payments for my taxes and insurance from my escrow account I demand PennyMac and Caliber to provide me copies of ALL receipts for their payments of my property taxes and home insurance, beginning from XX/XX/XXXX to present time. 

Please also provide me the name and contact information if the person who is/was responsible for bookkeeping records and escrow accounts at the Company ( s ) from XXXX XXXX ( at Caliber ) and XXXX time at XXXX.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : WELLS FARGO XXXX
Product: Debt collection

On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from Portfolio Recovery. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent Portfolio Recovery a letter to validate the account. I have a certified return receipt signed for my letter on XXXX, 2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My 2nd letter was received certified return receipt on XX/XX/2020. Again, I received not response and the accounts were still not removed. I sent a 3rd followup on XX/XX/XXXX, signed for on XX/XX/2020, still no response and the accts were still on my reports I sent all of my documentation to the XXXX credit bureaus and again it was not removed.
Product: Checking or savings account

On XX/XX/2022 a bank account with my information was trying to be opened. However it was closed down by my bank, because of lack of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX Account Number : XXXX TRANSUNION XXXX. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in Transunion and XXXX with account name XXXX XXXX XXXX account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Student loan

My loans are defaulted. I was told I could rehab the loans for $ XXXX/month and after 5 months wage garnishment would stop and after 9 months the loans would be out of default. I made XXXX payments in XXXX, XXXX, XXXX, and XXXX. When making my payment in XXXX they told me that my payment was now going to be XXXX because they recalculated based on documents I sent in and I had to send a letter back to them. I made a XXXX payment in XXXX and was told none of my XXXX payments count as part of the rehab. I was told the XXXX payment would be counted as my 1st payment. I was led to think each time I made a XXXX payment is was counting toward my loan rehabilitation. My XXXX payment should be and is my 5th payment not my first.
Product: Credit reporting or other personal consumer reports

i requested to the credit bureaus XXXX XXXX and transuion to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof
Product: Debt collection

I contact GLA collection company about a medical bill that was on my credit report. The bill and amount stated {$38.00} and I was prepared to pay this amount, as I was in the process of getting a mortgage. When I was about to pay, the representative insisted that my amount was {$61.00} with the interest. I informed them that I did not owe that amount and that I would pay the {$38.00} but that it MUST be removed from my credit reports due to the mortgage review. I told them I did not count that in my budget and I could n't pay it yet but could pay the {$38.00}. They said if I only paid the {$38.00} that it would remain on my credit report ( alternatively ruining my chances of getting a mortgage ) but if I paid the full amount of {$61.00}, they would remove it. They would n't even allow me to pay {$38.00} and call back to pay the rest if I could. I had to pay non or all. I paid the {$61.00} to get it removed in order to buy a house. There was no agreement to pay interest or even that I owed more than {$38.00}, except when they knew I was planning on paying. They even sent me an immediate receipt but it only stated that I paid {$38.00}, even though my account shows they removed the full {$61.00}. I could n't even get a correct receipt from them.
Product: Mortgage

On XXXX XXXX, I officially contacted my mortgage lender, PHH Mortgage, to request removal. It has been XXXX business days since requesting to be removed with no communication. Taxes are due on XXXX XXXX, and I would like to pay my own taxes. I waited for a response and there was none. I called today, XXXX, and they said the tax department is going to pay the taxes next week, and they are denying my request to remove the mortgage. I am very unhappy as there is poor communication and they are unwilling to accommodate my request in a reasonable and timely manner. I do not want them to hold my escrow account anymore as I do not trust them to make further payments.
Product: Credit card or prepaid card

I never received a bill. I been having problems in life period. First i would like to add that i was XXXX XXXX XXXX XXXX and having a XXXX XXXX. I have XXXX XXXX and XXXX Im not lazy i just hve a harder time then most. I was working at my job for 5 years. I lost item in house fire XXXX. Then in XXXX i lost most of my income do to losing my job as a XXXX XXXX. I aslo lost my child support for {$1100.00} a month. I had a hard time just paying rent and food for my XXXX child. I have been trying to get capital one to understand but they just dont care. It was a secured credit card {$500.00} limit. I needed to pay XXXX plus they keep the XXXX. When i got my stimulus check i paid the XXXX they said they would delete late payments and it would say settled payed for less then full. They lied! And i will pay the rest since i started bck working XX/XX/XXXX and i got a new place to live. XXXX  is stating that is up to Capital One who will quickly respond and say no they will not update. Please help me. Im sorry i dont think i will open another cc with capital one. I will pay in full plus all late payments. I will give them my whole check. Can they just understand that life happens and its harder for some then others. Not making excuses but come on covid19 late payments in all.of XXXX amd u will not fix its not right. I barely had enough money for food and rent. I dont like making excuses but they did mislead me and im willing to do anything to get this removed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have called FedLoan multiple times since the last time I filed a CFPB complaint and they have been unable to fix an issue in which my account shows I owe money when I do not. 

In summary, over the past few months FedLoan gave me incorrect information and accidentally approved me for a repayment plan they were not supposed to approve me for which held up placing all of my loans in a REPAYE plan. I filed a CFPB complaint last month about this issue and they finally placed all of my loans in a REPAYE plan and stated on XX/XX/XXXX in their response to the complaint that " Forbearance has been applied to your loans through XX/XX/XXXX. '' Since that time, I have received multiple notices stating I owe {$3500.00} even though a forbearance was supposed to cover all payments prior to XX/XX/XXXX. I am not supposed to owe any money for the time period during which Fedloan was fixing their issue and my account is not reflecting this. Therefore, a forbearance was not applied to my loans even though their response to my last complaint said it was. 

On XX/XX/XXXX I spoke to an agent with ID # XXXX who told me the forbearance was being processed and it would take 10 days. Over 10 business days later, the forbearance was not in place. I called back on XX/XX/XXXX and spoke with agent XXXX ( ID # XXXX ) who assured me my forbearance extension forms were in place and that by the end of the business day of XX/XX/XXXX my account should have adjusted. My account did not adjust. Today on XX/XX/XXXX, I called Fedloan again. I spoke to agent XXXX ( ID # XXXX ) who stated " the incorrect forms were filed. '' He assured me that he now filed the correct forms and said at this time it will be another 2 weeks until these forms are processed for my forbearance to be applied to all loans through XX/XX/XXXX.