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

There still remains a collection account and fraudulent inquiries on my credit report. 

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 

Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. 
Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
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
Product: Money transfer, virtual currency, or money service

Invoice ID : XXXX I received update for my case from PayPal on Sunday XXXX XX/XX/2021 stating that " we had to deny your claim ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered ''. I immediately called PayPal and the CS track the package nothing such as item delivered to me update. Instead, the update is package returned to the shipper on XXXX XX/XX/2021. 

Therefore, the CS reopen the case on XXXX XX/XX/2021. Same day with case closed and promised I will get my refund. The call also recorded. Please check. At the same day XXXX XX/XX/2021. The case closed again. Stating that I'm ineligible for buyer protection. 

To conclude the situation. Item returned to seller but PayPal lied that tracking shows delivered when its not. And after case reopen because of my appeal. Case close again and PayPal stated im ineligible for buyer protection. Which is so unethical and unacceptable. How come PayPal run with client money after receive package back? And after confronted that PayPal make excuse that item delivered when its not? And less than 24 hours close the case again and change the reason. 

Attached the email received from PayPal. Call recording with PayPal from XXXX XX/XX/2021, XXXX XX/XX/2021 and XXXX XXXX XXXX acknowledged item returned to the shipper. And promise of full refund {$2700.00}. PayPal also can check call recordings stored in PayPal data base Note : PayPal also record every call made to them for quality purposes. Therefore please CFPB to review the call recordings because call recordings i have is match with PayPal database
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my credit report one day, because I could get any credit from an organization. I was immediately livid to know that someone pulled my credit over 20 times and I havent authorized it, this has absolutely ruined my credit. I have contacted the FTC and have fraud alert placed upon my credit report. Im a victim of Identity theft. This is stressful not being able to get any credit. I havent given any verbal or any written permission for credit inquires to be placed on my credit by the following companies. Some companies have pulled more than once, this is ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Account closed since 2023 and the funds have not been sent to me because they need to confirm information. I have given them the information they need through all means and they have not finished investigating.
Product: Debt collection

hi there i called this comapny on XXXX and told them i do not owe the amount of XXXX there but they said you do i then said i have proof on my online account with my account number its paid in full there still refusing to take that info there and close out the account then i was put on hold and the line hang up on me there fore im not sending any money into this place after i have proof i have paid them in full i paid them on XXXX in the full amount so my words are they are not going to see any funds from me becasue my end and i have proof its paid i want it removed from the collection ageny asap there
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My ex husband open a credit card account with USAA. He included my name on it without my knowledge. I found out during our divorce that he opened this account. I have called USAA and asked them to take my name off that account, so I just took a look at my credit account and see that is on there. Can you please help me and have it removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish my account without my written instruction. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting

I have XXXX accounts from XXXX XXXX XXXX reporting on my Experian credit file. After numerous disputes, I have received no resolution. In addition, these accounts appeared on my credit report in XX/XX/XXXX as 180 days late ( no mortgage reporting since XX/XX/XXXX ) I informed them that I have an open investigation with the CFPB - case # XXXX and they advised me to file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I filled out the online form for TransUnion to place a freeze on my credit report as a result of the recent data breach. I filled in all of the information they requested correctly, including several follow up multiple choice questions, however, I received a message that they were " unable to process my request '' without any further information. While they were unable to do what I asked ( for reasons that are unclear to me ) they did immediately send me a marketing email for a costly credit report monitoring service.
Product: Mortgage

I previously filed case number XXXX to which Mr cooper responded with a respa response to notice of error. They also claimed to have sent corrective paperwork to HUD and that i needed to wait 3 weeks to get an update and for hud to clear the partial claim lien recorded. 

It has been 3 weeks now and I have discovered that I WAS in fact lied to and based on the tracking number provided to me in the previous case it has been determined that nothing was in fact sent to HUD. I also confirmed this with a manager at Mr cooper who stated that it was beyond her control. 

At this point I am being insulted and am beyond furious. I will begin to file a civil lawsuit for dmages up to the max amount allowed as this issue has been a thorn in my side since XXXX and it is disgusting that they used a RESPA notice to try and weasel out of resolving this and then slow rolling. 

I am demanding that this issue be escalated and resolved within 7 calendar days otherwise i will file as many lawsuits as humanly possible including any form of class action suit i can legally file to get this handled and get my money back. This is a joke of a company and i wish my loan was never passed on to them. it is disgusting that they have been able to operate this way and for so long and i cant imagine how many other innocent families have been harmed by their careless antics. 

I am out XXXX because of their negligence and in this economy that is not small change. on top of that, let it be the other way and i'm sure they would do everything in their power to make sure i was homeless because thats how corporate greed works. 

Here is the tracking number provided in the previous case and here is a screenshot from XXXX  showing nothing having been done.
Product: Debt collection

This agency placed a negative item in my credit report without being contacted to dispute an alleged debt I owe them. They violated my right to dispute the alleged debt that I do not recognize. I sent them a validation letter for more than 30 days, but I never received a response. In the meantime, my credit continues to be damaged. According to the Consumer Financial Protection Bureau, a collection agency has 5 days to respond. I need them to validate the alleged debt properly. I sent them a very clear and concise validation letter. There are so many elements and so many questions that remain unanswered. I don't recognize the debt and if they think otherwise they will prove it to me with facts. If not kindly that they delete the negative information that they are validating in my credit report. Thank you
Product: Debt collection

I had my report pull in XXXX XXXX I found unverified information listed on my report.I received a information that under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from AMCOL SYSTEMS INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards, Certified mail No : AMCOL SYSTEMS INC # XXXX XXXX XXXX XXXX XXXX , SC XXXX
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just received a copy of my credit report today and I found those XXXX fraud inquiries that shall delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> 2024
Product: Mortgage

This is a follow-up complaint for Case Number : XXXX. Nationstar stated our loan is involved in an active bankruptcy. This is no longer true. We are asking Nationstar to update their files concerning the address of our property so we can refinance the mortgage with a different company. Although Nationstar has updated their records they refuse to cooperate with XXXX in updating the address correction. This complaint is regarding their servicing or our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA law the investigations took more than XXXX days and I haven't been notified of any results of the investigation.
Product: Checking or savings account

Wellsfargo denied claim XXXX several times for almost two months before finally taking action. I received mail that my funds would be available & there is no affect no my account which remains in the negative still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this Item  XXXX   XXXX  : Account  XXXX  Amount {$250.00}. please deleted this item TransUnion. TransUnion did not compile with the State Attorney General  Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately  disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is   hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Product: Credit card or prepaid card

I have requested a break down of monthly payments and have not received any information. No one answers questions, just transfers me. Requested orgininal documents from opening card and never received.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), AND According to the Electronic Communications and Transactions Act ( ECTA ) 25 of 2002, Chapter VII, Section 42, consumers have the right to accurate and reliable systems when transacting online. The failure of your system to INCORRECTLY ADD INFORMATION THAT IS NOT ACCURATE has caused ME grief and uneceesary stress.

According to the Consumer Protection Act 68 of 2008, Section 54, consumers are entitled to receive services of a high quality. You receiving my information and not placing it correctly in your system you have violated my rights as aconsumer Verification of Legal Standing : Proof of Accurate Reporting : Under FCRA, 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report to credit reporting agencies is accurate and complete. Provide a detailed explanation of how you verified this debt before reporting it, including a record of any communications with the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX.