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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXXXXXX : # XXXXXXXX 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, 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 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 card or prepaid card

Fmb Omaha bought out the bank that my credit card was with, which I had set up with auto pay. I had never been late in paying the card because the auto payments came out of my checking account each month. I received no notification that my auto payments would stop after the buyout. I then received a call that my account was past due and immediately paid the past due amount but the delinquent remark had already posted to my credit report. I called the bank to ask that the remark be removed, since it was not my fault that the auto pay stopped with no notification, but was told there was nothing they could do about that. It is now affecting my credit score drastically. I am asking that the delinquent remark be removed as I immediately made the payment once I was notified that the auto payment did not go through
Product: Credit card or prepaid card

Synchrony Bank / Sams Club Visa card I made a charge on XX/XX/2021 to XXXX XXXX. I made a purchase for an airline ticket and baggage charge that I did not receive my refund back from the merchant. They maybe in cahoots to delay the refund for the ticket/baggage charges as follows ; $ XXXX ticket fee and {$150.00} for baggage fee. They have refunded the insurance and a meal ticket for {$24.00} + $ XXXX {$40.00}. Im still waiting for the ticket and baggage fees which total {$910.00}. I believe Synchrony bank maybe the culprit of the problem and I thought it was the XXXX XXXX.
Product: Payday loan

Received a call at work alleging I owed a payday loan with XXXX taken out on XX/XX/XXXX ; when I requested documentation to be emailed, the caller ( XXXX ) claimed it could not be done for several hours. The caller claimed to have contacted my home on XX/XX/XXXX, my phone records show no calls on this date. I advised the caller I had not taken out a loan with this company and it is illegal to contact my place of business. The caller requested my credit card information which I declined. The caller called from WWCC located in XXXX, XXXX and is not licensed to do collections in the State of XXXX and in accordance with XXXX 's statute of limitations for debit collections is three ( 3 ) years which has expired as of XX/XX/XXXX. Again, I have not done any business with XXXX or any entities associated with this company.
Product: Credit reporting or other personal consumer reports

Hard Inquiries on my report Dated : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credco XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not Allow or Acknowledge these Hard Inquiries on My Credit Report
Product: Debt collection

I am being charged for something my insurance should be paying. This charge is a result of an incorrect coding by the hospital for simple lab work as part of an annual medical visit that is always covered by my medical insurance. My doctors office says this happens frequently with XXXX. I have contacted them multiple times to ask them to resubmit and they will not. The collections is hurting my credit score and is something I do not owe.
Product: Debt collection

Hi, I am writing because a fraudulent account was opened in my name in XXXX  and sold to a debt collection agency on XX/XX/XXXX XXXX the person who did this seems to have bought something, paid some of it off, and then let the remainder go to collections in the amount of XXXX dollars. There were many accounts and lines of credit where they used the same tactic. I have worked diligently to report to the police, the FTC, and to the credit unions over the past 6 years. 
This fraudulent account is affecting my ability to get a loan to buy a car. I am requesting again that this fraudulent debt be removed from my name. Thank you for your help.
Product: Debt collection

On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and XXXX years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Product: Debt collection

I checked my credit report and noticed that i owed an alledged debt of {$1900.00}. The company put this alleged debt on my credit report with out my permission.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) 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
Product: Vehicle loan or lease

Us auto sales sold my loan to a debt collection company and I did not sign paperwork for that. They repossed my vehicle forcing me to go and get another vehicle paying way to much more than I was. My loan would have been paid off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXXXXXX 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 # XXXXXXXX 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 XXXXXXXX, 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 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

Dear CFPB and Equifax Regarding a pre-printed computer generated letter designed to delay the deletion of negative items on my account. 
Following my request to delete medical debt from my account for the XXXX XXXX XXXX XXXX  XXXX Equifax deceitfully changed the lenders name on my report ), I received a computer generated letter suggesting that Equifax needed my Social Security card and drivers license however, on all of my complaints, I include my Social Security card and drivers license. On XX/XX/year> I asked for clarification of the letter. I have received no response whatsoever. The letter suggested that I needed to send them my Social Security card and drivers license however, on all of my complaints both of these have been included. I also spent six hours getting in touch with their customer service who agreed that the letter sent to me by Equifax seemed odd, especially when they have been sent a copy of my drivers license and Social Security Card already. 
Please see CFPB complaint number XXXX XXXX XXXX. I asked for clarification in that complaint as to why Im being asked for my Social Security card and drivers license when each and every complaint already contained these. I also spent six hours getting in touch with an agent from Equifax and resubmitted my drivers license that came from my authorized cell phone and I called in from my authorized home phone. I was also forced to send a selfie. I have been confirmed to be verified by Equifax. I also answered 10 security questions. Repeatedly asking for the same information over and over and refusing to give me clarification is a FCRA violation as it is done by by Equifax to delay resolution.
Product: Credit reporting or other personal consumer reports

Recently I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Debt collection

I had previously received an email from another company called XXXX XXXX about the same account, I disputed it and they never responded to verify the debt, therefore it was closed and removed from my credit reports. Then recently I received another email from another company called Jefferson Capital trying to collect the same account. I also disputed it with them last month and requested verification, and they never responded either for over 30 days. During that time they never stopped collection activities, I have received calls and emails. And the account just showed up on my credit report today even though the debt wasnt verified and I didnt get any response.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account # XXXX and XXXX : account # XXXX has violated my right. 

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 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 filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) as highlighted in the CFPB 's recent administrative proceeding ( File N0. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as inaccurate
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, an invoice was submitted to my consumer PayPal account in the amount of {$610.00} from someone named XXXX XXXX in reference to " XXXX XXXX ''. I do not know anyone named XXXX XXXX and I certainly did not engage in any transaction related to " XXXX XXXX ''. Upon receiving an email from PayPal today that if I did not take action, the transaction would be approved for withdrawal, I logged into my PayPal account, clicked on the invoice for details, and received an error message. I can not inspect the invoice. 

So, I attempted to report the transaction as unauthorized using the PayPal Resolution Center, but when I walk through the steps, I receive this error message : " Were sorry, you cant file a case on this type of transaction. Please refer to our User Agreement for more details. '' When I referred to the User Agreement, it told me to contact customer support by calling ( XXXX ) XXXX - which I did- but their message system does not enable human contact. I can not report the transaction as unauthorized. So, I tried to report it using their online chat system, but this proved to be a robo-chat system that likewise refuses communication with a human customer service representative. 

I tried to remove all three methods of payment on file with PayPal, but PayPal refuses to permit me to remove the one with the pending unauthorized transaction. I sent two emails to PayPal, one to XXXX and another to XXXX. I've receive auto-replies, but not customer support. The auto-reply notifies me to contact my bank if I think there is an unauthorized transaction. Consequently, I did contact BOA and altogether cancelled the card for which the fraudulent transaction is pending. However, it's likely the charge will be passed along to the new card that will be issued. 

I am a XXXX XXXX and I actually specialize in representing fintech companies. The lack of meaningful customer service completely plagues money transmitter companies resulting in rampant fraud that money transmitters pass on to banks, and this results in higher banking costs to the banks and to consumers. If PayPal is doing this to me, then they are doing it to tens of thousands of consumers. This behavior is prohibited by the GLBA and, per regulation P, is the responsibility of the CFPB to address - and it can do so via the enforcement of the GLBA safeguards rule that requires an adequate written information security program that addresses this deficiency. I want to see PayPal held personally financially liable for ripping off consumers by refusing adequate customer service and means to address fraud on consumer accounts, and I want to see them be forced to implement changes recently enforced on XXXX and other money transmitters in the crypto-industry. Those changes helped, and there's no reason why PayPal shouldn't be held to the same standards. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

they remain not updated after attempts on my part to get them to update it as I paid off the XXXX. I have tried through XXXX and XXXX XXXX  and elan financials services
Product: Credit card or prepaid card

I have been trying to login and pay my bill for months. They never sent me a plastic card said it was virtual that i didnt need it. Can not logon bc i dont have the card number. No one answers any if their phones. I have tried all the numbers i can find and it always says to call back later or picks up and nothing happens. Can not access my statement, account or anything else. Think fraud is happening, but can not see my balance to see whats due, login in website, or contact anyone by phone.
Product: Credit reporting or other personal consumer reports

Capital One Auto is reporting a repossession on my XXXX credit report and this is not true. I have asked Capital One to provide proof of a repossession and the only thing they send is payment history and none of it resulted in a repossession. So XXXX is reporting inaccurate information and I have informed XXXX of this on many occasions. Can you please help me get this resolved.
Product: Debt collection

I bought a vehicle and had to pay the second deposit for my down and my check bounced. I went in a week later and paid the full balance to XXXX XXXX XXXX by debit card. They still have it as collection on my credit report. This initially happened in XXXX. Ive reached out three times to XXXX XXXX XXXX and they claim they show it being paid off. However, Knight Adjustment Bureau still is deporting it on my credit. Ive disputed it three times on the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the credit bureaus. I have also sent letters on XX/XX/XXXX and XX/XX/XXXX asking for proof and have not heard of anything.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I recently received a letter from this company demanding payment. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Product: Credit reporting or other personal consumer reports

I've recently checked my report and noticed some inaccurate accounts reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I DO NOT HAVE A CONTRACT WITH ANY OF THE AFOREMENTIONED COMPANIES AND THESE REPORTINGS ARE A VIOLATION OF MY RIGHT TO PRIVACY PER THE FCRA. PLEASE DELETE FROM MY CREDIT REPORTING IMMEDIATELY. I KNOW MY RIGHTS AND I AM FULLY PREPARED TO TAKE LEGAL ACTION.
Product: Mortgage

Acting upon an email flyer to apply for a HELOC or HE Loan from Capital One ( I have a small savings account with them from the days when ING Direct was bought by them ), I applied. It has been almost a year since I had refinanced my XXXX mortgage and HELOC into a single mortgage with XXXX XXXX, and I was seeking to tap some of the equity in house and property appreciation and payments made to cover some upcoming expenses and some minor but needed house maintenance. I live in an area that appreciates well and am not a serial refinancer, so I asked for $ XXXX, which would take me up to what I thought would be 80 % LTV though I was okay with a somewhat smaller number if the appraisal did n't match up with my own research. ( This research said my best value would be $ XXXX. ) I earn $ XXXX per year and have a FICO score in the low-to-mid XXXX, so I thought this would work out to a useful conclusion with minimal closing costs. 

A few weeks ago, Capital One pulled the plus on its entire mortgage unit, but did not inform applicants until weeks later ( though news releases were done contemporaneously ). Just before this action, the appraiser hired by Capital One came out and came up with an appraisal completely at odds with all of my research ( which included a house down the street that sold 6 months ago and a market study provided me a year ago by a friend who is a real estate broker ), as well as the appraisal done at the beginning of this year by XXXX as part of the refinancing mentioned earlier. And, I do n't mean a less than expected result, but a result that was SIGNIFICANTLY less than any of these other data points. I complained, and sent in these other data points, but was told that the shutdown meant that no more appraisals would be done. As of today, they have turned down the loan, even though the mortgage specialist to whom I was talking assured me repeatedly that this would not happen and that all applications already in the pipeline would be fully processed out. 

It is apparent to me now that the appraisal, which is WELL outside the bounds of what could be expected, was engineered to support this result. So, I expect that many - if not all - applicants already in the Capital One pipeline can be denied to go along with the closure of the unit. It already has been very difficult to get ahold of folks at the call center, which I 'm sure is already being disbanded, so there is no point in seeking further relief from Capital One. Hence, I 'm filing this complaint, and trying elsewhere. 

The Mortgage Specialist was XXXX XXXX at XXXXXXXXXXXX and XXXX ext XXXX and fax XXXX. Here NMLS # is XXXX. The Appraiser is XXXX XXXX at XXXX.