23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/16 I obtained my Equifax credit report and discovered an unknown medical collection acct listed. I wrote to Equifax on XXXX/XXXX/16 to properly dispute this alleged medical debt and they responded on XXXX/XXXX/16 that they verified the entry belongs to me. They then provided me with the name of the collection agency ( XXXX XXXX ) and instructed me to contact them and provided me with an address. I promptly wrote to XXXX XXXX at the address provided ( as instructed by Equifax in their response on XXXX/XXXX/16 to my initial dispute on XXXX/XXXX/16 ) to dispute and request validation of this unknown medical debt and received no response. I wrote to Equifax REdisputing this unknown medical debt providing them with a copy of my letter to XXXX XXXX as well as proof of delivery of the letter to XXXX XXXX and again requested that they delete this unknown entry on my credit report. According to the USPS, Equifax received that letter on XXXX/XXXX/16 at XXXX. Equifax has failed to respond ( as of XXXX/XXXX/16 ) in the required 30 day time frame and this entry should now be deleted as I properly disputed this unknown account with both parties. This account is not listed on any other of my credit reports. Equifax 's refusal to properly investigate this account is a violation of the FCRA and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX AM on CashApp there was {$200.00} borrowed in my name, and on XXXX all of the money ( {$200.00} borrowed + {$260.00} I had in my account ) was withdrawn from my account. This is due to the fact I was having my phone withheld from me and being threatened with XXXX if I didn't " authorize '' it with my pin. I have filed a claim with CashApp 3 times and they refuse to be helpful at all, their explanation on why they denied is " An investigation concluded this was an authorized payment '' and they said it was because of my account/transaction history. All of-which is super vague and NOT AT ALL clear or helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$6600.00} XX/XX/2019 My name is wrong on the credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine : 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 XXXXXXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX Employers I have never worked for : XXXX, XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

PayPal does not let me accept the {$85.00} I received from a friend on XX/XX/2021. When I click 'keep it in PayPal ' i and 'agree and continue ' it takes to me to page saying 'Sorry about that Looks like something went wrong on our end '. It just sends me back to the home page.
Product: Debt collection

Old Navy XX/XX/2019 payment was received of {$120.00} that was amount that was paid and owed. Not sure why {$83.00} is being ask for since they closed the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX amount {$5100.00}, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Last year around XXXX my mother, XXXX XXXX XXXX ( XXXX ), asked me if I could co sign for an apartment for her. I said yes, but she did not use my information to co sign. Instead, she used my information to lease an apartment under my name and forged my signature on documents. She also provided false employment information and residential history about me. She eventually got evicted and did not pay the apartment the balance which was the {$2300.00} on my collection account. I have proof that I did not live there despite it being in my name and that there was no cosigner for the apartment.
Product: Payday loan, title loan, or personal loan

I have been a customer of Creekside for many many years. I went Friday XX/XX/2019 and got a loan through XXXX and in the loan process she ask me if I had my auto insurance policy number and I said no so she said she would look it up and upon looking it up she ask did I have full coverage auto insurance and I said yes and she said she would take the insurance they have off the loan and would save me money since I have full coverage and don't need it that it was mainly used for people who only had liability. It never fully dawned on me what she was saying until today I called the Creekside I have my loan through today XX/XX/2019 and was asking XXXX about all this which he stated XXXX XXXX the formal supervisor or manager that use to work there prior to some identity theft fraud issues with another employee that's when XXXX retired but XXXX had said XXXX made them add this Creekside insurance regardless if a customer had their own full coverage insurance or not and to not even say anything to the customers to just add it, so with that being said how much hundreds and hundreds of dollars did they get from me being a long time customer and many other customers that is unaware of this.
Product: Debt collection

On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX. Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors XXXX XXXX XXXX XXXX to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called Pendrick capital Partners whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the XXXX XXXX XXXX XXXX ( collectors ) nor Pendrick Capital Partners ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with XXXX XXXX XXXX for collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Mortgage

We are in the process of applying for a mortgage for a condo via RedFin Mortgage. 

We are first time home buyers and have worked extremely hard, and are fortunate enough to have 20 % as a down payment to on the property we chose. 

Our closing date is scheduled for XX/XX/XXXX - and we have been going back and forth with several lenders trying to secure the most competitive rate possible for this large purchase. As we are entitled to do so ... 

When we initially began the application process about a month ago - we were given a rate of approximately 3.65 % using an exceptional credit score ( well into the 800 range ). Then due to stock market changes over the past few weeks the rates began to fall - almost all the way down to 3.125 % ( with the possibility of going lower ). As of two days ago now ( XX/XX/XXXX ) - the stock market continues a very concerning downward trend - but now mortgage rates have suddenly spiked even higher than they were before the markets began to tank. 

We are now being quoted a 4 % rate with no changes to anything - again, with exceptional credit scores - and are being told that other mortgage companies are doing the same thing. This does not seem right that they can raise the mortgage rates this much ( even higher than they were before the market decline ) - especially when the market is not showing any signs of improvement within the near future. How can this be? We are stuck with RedFin Mortgage now at this point - because otherwise we will lose our closing date and possibly the property.

We believe that this issue may be a move by several mortgage companies banding together to artificially inflate the rates to mitigate any loss on their ends ... we would appreciate someone looking into this not only at RedFin Mortgage, but across the board as this notion is extremely disturbing, and could very greatly impact many people in the process of trying to close on a home or condo.

We of course have been arguing back and forth with RedFin Mortgage on this with no luck - and the reason they gave as to how the rates could increase so high in such a short window ( 2 days ) - is that everyone is trying to re-finance and they can not keep up with the requests. Again - we are now stuck with RedFin Mortgage and can not back out unless we forfeit our closing date. This is not right ... 

Please look into this as soon as possible. 

Thank you in advance for your help.
Product: Money transfer, virtual currency, or money service

Cashapp denied refund request after I claimed transactions were fraudulent. I was told that they would show me the documents that resulted in their decision. They shut the case hours after I made it and the document I requested they send had nothing to do with my account. When I called they had no documentation pertaining to my case to give me. I was told that they made an error in my request and they would send the correct document later. This makes me believe that they closed my case without so much as an investigation. Then they finally sent me an email with documentation pertaining to my case and all it was was a screenshot of the three transactions that I claimed were fraudulent. That proves nothing!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my credit score for  XXXX  company.
Product: Mortgage

1. Never heard anything on Loan modifactio 2. requested a payoff on the house charges on the payoff that no one can tell you what it is and why 3. Mis led on Loan modification from 2012 4. Charging for late fees from Hurricane Irma late payment fees that was supposed to be forgiven Corporate advances deferred principle Balance forgiveness from the loan modi
Product: Bank account or service

I made a deposit for XXXX to wells Fargo on the XXXX of XXXX. They told me there would be a hold until the XXXX. On the XXXX talking a my customer who wrote the check he said they, had already taken the funds from him. I went to the branch and explained and, l they said there was nothing they could do. They are holding people 's money t, use it for their interests. I would like to know if I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
STATE OF MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; 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: Payday loan, title loan, or personal loan

I told them that loans are only cash in hand, and that i need my check mailed to me. I can not make payments toward a loan that i have not gotten any funds from.
Product: Payday loan, title loan, or personal loan

I keep getting call after call, numerous times a day and from different phone numbers, threats if I do not pay this amount they will come arrest me and will have a warrant sent out. I've blocked any numbers that are not recognized and I had my voicemail turned off so they would quit leaving me threating messages. I don't owe anyone for any loans, I haven't taking out any loans, my bank account has been compromised around 13 times and I have to keep changing my bank account numbers just so these sorry XXXX scammers don't take my hard earned money. I now have received a letter offering a one time payment or alternative options if I can not pay the one time payment. I don't owe them anything. Here 's the information I received in the mail : Mediation Recovery Center Website : XXXX : XXXX Toll-Free XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Account Manager.
Product: Money transfer, virtual currency, or money service

I received a charge to my bank account from PayPal on XX/XX/XXXX for {$33.00} marked XXXX automatic payment. The shipping address noted in PayPal is XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I dont recognize this address and it sounds made up since XXXX is in California , not New Jersey .

I did not make a purchase from that company this year and do not recognize the charge nor the Shipping Address. I found the charge on XX/XX/XXXX and used the Report a Problem button on the PayPal app to request a refund. I still have not received an acknowledgment or reply from PayPal as of XX/XX/XXXX. On XX/XX/XXXX I called XXXX and was told that the charge was affiliated with an email address that does not belong to me. The merchant said they will process a refund in 25 to 30 days. My complaint is that PayPal allowed a fraudulent transaction on my bank account and does not respond or acknowledge my problem report and 25 days is too long to wait for reimbursement.
Product: Credit reporting or other personal consumer reports

I have continuously asked Experian to remove the erroneous information regarding a phone number that is used to contact me which is not my number nor have I ever had this number that they keep listening on my credit report for the personal statement the phone number they keep putting on my credit report is ( XXXX ) this is not my phone number nor has it ever been and somebody has been hacking and tampering in and I am a victim of identity theft they have put this phone number across all three credit reports I reported it to Experian they still refuse to remove it even after I made a statement they took it off XX/XX/XXXX I got an alert from one of my other credit monitors stating that was removed and I never requested it it has no expiration date my personal statement and I have proof I would like to submit copies of what they're posting my phone number is XXXX and has been for years and it's the same number that's in my profile experience is assisting these people in targeting me they have a leak in their system
Product: Debt collection

I opened this account at the beginning of XXXX with BBVA Compass. I lived in XXXX because work, and I left the country in XXXX XXXX to work in XXXX. I kept opened the account in case I was coming back. I left to the XXXX XXXX address, my email and I left the credit card in autopay. I left also money in the checking account link to this account. I found the account in collections last year, XXXX XXXX, when my company sent me back here. I tried several times to change my address and fix this with the bank with no luck, so I closed the checking account and full paid the ''supposed debt ''. Then I request several times a statement to proof if I owed that money and to know where it came from. I did because my acknowledge of the rules here. In XXXX and XXXX, you paid and then claim if it was an error to avoid troubles. The bank told me by phone they would send a statement. I wrote letters with my data, address, phone, SSN, copies of the credit card, ... I never received anything or explanation. 
I claimed to the bureaus, but the information in the credit reports is not changing and it is confused, looks different in all of them and even different if you check on your phone or your check in your computer. 
I paid to XXXX XXXX to help, and for 3 months they didn't solve anything or gave me a clear information about how to manage this. I have spent around XXXX XXXX dollars to fix a ''supposed debt '' of XXXX dollars. I couldn't find an apartment to live without a co-signer. I have an annual salary of XXXX dollar and an international company covering my expenses, I have been working with them 15 years now around the world. 
I never missed a payment in any country for my rent, or my mortgage in XXXX, or utilities, nothing. 
I have asked a loan to Stilt just to build credit, when I didn't need it, only because this, and open accounts I wouldnt if wasn't for this to try to improve my credit and be able to rent an apartment without have to ask favours to friends to be my co-signers. No way to think in invest in a house here. I could have bought one with a good down payment, but instead, I have to spend and I will spend around XXXX dollars in renting during years. 
Please, I ask some help here as this is so unfair.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).