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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I did not receive my early direct deposit. My employers paystub indicates the amount of {$2000.00}. I was told this issue would be resolved and to call Friday XX/XX/XXXX if I havent received my funds. 
It is XX/XX/XXXX and I have been on hold for over XXXX XXXX. I can not withdraw money from my account or use my funds. My paycheck still has not showed on their end or my account. XXXX said the funding was done with them. All I was told on XX/XX/XXXX was that I would have my funds as soon as possible. However, this is an issue as I have bills due and no groceries. Capital one knew about this outage on XX/XX/XXXX in the early morning but did not notify anyone via email Until XXXX XXXX  that same evening. This is horrendous and has caused me a great deal Of personal as well as financial distress.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted a representative and told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Debt collection

Ive been disputing this account since it popped up on my credit report. All the collections agency does is put a note on the account that the consumer disputes. I dont know what this is. Ive called XXXX and they also have no idea what this is for. Im a current XXXX home and mobile customer and have been for over 10 years! I was never notified by the collection agency about this debt! After reading reviews about this company Im confident this debt doesn't belong to me especially since Im still and have been a XXXX customer. This Transworld company is reporting inaccurate information across all credit bureaus and is making a negative impact on my credit. Please remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a charged off account that was already sold to another company which is also reporting on my credit report- this is double jeopardy, and I am demanding that you delete this account immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX purchased this account, and it is already reporting as a collection account. This is negligence and a violation of the FCRA. You are not reflecting my true credit worthiness and if this is not deleted immediately, I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion llc a dispute letter to which they had 30 days to respond to and they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified
Product: Debt collection

Multiple times over the last month, Capital Accounts LLC has contacted me regarding a debt. I have asked multiple times to be provided with verification of the debt and they just hang up and call back later in the day or the next day. I have told them to no longer contact me if they wont provide verification of the debt and they hang up. ( XXXX ) XXXX and ( XXXX ) XXXX are the numbers used to contact me. Now when I answer they dont say anything and hang up. I need this to stop since it is getting to be a nuisance since they wont verify the debt or speak when I answer and continue to call when I ask for them to stop for the lack of verification.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations I was a sender of money and also a receiver of money that I never got.

Please review chat history on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I r

ecently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inqu

iries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpos e. According to Sec tion 60 4 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : CAPITAL ONE Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX
Product: Student loan

I accepted XXXX XXXX Unsubsidized Student Loans from the XXXX Department of Education. XXXX were in the amount of {$10000.00} and XXXX was for {$2000.00}. Without my prior knowledge or consent, which has been previously reported, using predatory practices Mohela took my account from XXXX. The manner in which they commenced this " unauthorized transfer '' is adversely affecting my credit report. XXXX and Mohela are reporting the loan as open. 

On XX/XX/2024 I spoke with both firms. The person at Mohela, who did not identify themselves said " it sucks to be you '' - when I explained the issue. You can see on the provided credit reports that loans held by XXXX and Mohela are still showing as active. I then spoke with a XXXX at XXXX, who shared Mohela has predatory practices to boost their balance sheet and this sort of behavior is common.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XXXX XXXX XXXX
Product: Checking or savings account

I am fowling a complaint with the CFPB Regarding Capital One 's failure to deposit my direct deposit From my employer and any other incoming deposits Capital One has cited technical issues which may violate the electronic funds transfer act Parentheses open EFTA parentheses closed as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX XXXX back to the finance company. Since that time I get repeated calls from a company called portfolio recovery to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.
Product: Credit reporting

I reviewed a copy of my credit report and XXXX XXXX of XXXX ( XXXX ) accessed my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I never authorized such action in written nor verbal form in XXXX, as I took delivery of my car on XXXX XXXX, 2016. This constitutes a clear violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX of XXXX and XXXX, and investigate such occurrence. 

I contacted XXXX XXXX of XXXX who initiated the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. I have been in contact with a Finance Dept employee, XXXX. I have left voice mails for the General Manager, XXXX, that were not returned. Finally, after contacting XXXX XXXX XXXX offices, I received a call from XXXX XXXX the General Sales Manager, who warned me not to contact the credit bureaus and agreed to get XXXX Legal Department to have the inquiry removed. However, he is now unresponsive to several calls and voicemails. The inquiry remains as of this date on all XXXX of my credit reports. 

Please investigate this company. They are deceptive with no regard for consumers. The whole time I 've dealt with them, it 's been one lie after another while evading my calls.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, I have submitted all my paperwork for a loan modification and the company keeps saying I need to resubmit the same documents. I asked if I can pay my loan down and they said not until I am approved for their loan modification. It has been months and my credit score keeps dropping drastically because they are reporting missed payments at Shellpoint. I asked for an update on XX/XX/XXXX ( via email ) and it has been over a week and they keep leading me astray. Please help in this regard as I am trying to receive more information about my home. I suffered a XXXX XXXX because of Covid and the pandemic, but I am looking for options with my mortgage. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

North Carolina States Employees Credit union is illegally reporting false information on my credit report. My bankruptcy discharged this debt XX/XX/XXXX case XXXX The loan is still reporting late payments from XXXX to XXXX and my account status is showing I have 100 % left to pay on this loan. 
This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan? And personal loan. All accounts are reporting late pays since XXXX. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.
Product: Checking or savings account

As of XX/XX/2024 Ive personally reached out to chime support by calling them to personally request an increase in my spending limit of the day. At that time I was currently about to purchase a vehicle a fake chime agent picked up the phone walked me through my whole entire account and stole {$2400.00} after the chime agent me through my account and stole my money. The chime agent hung up the phone. The next day I called back off another phone to chime agent, was still willing to steal money from Chime customers Ive been banking with Chime for the last three years. I felt like they was a trusted establishment until now I also called the chime back and spoke with someone they said that they were having this issue with their customers being being scammed yet still no one has helped me resolve this issue nor giving me my money back. I have proof of what will happen.
Product: Debt collection

Midland Corp keeps calling my brother 's home and sharing my information with him and who ever answer 's the phone, this happens numerous times and is not right
Product: Credit reporting or other personal consumer reports

I have contacted these companies telling them that the information that they are reporting on my credit report is inaccurate and its really hurting my financial situation and its taking my credit score down over XXXX points on all 3 bureaus and this is really effecting me. Ive lost my job and home behind this issue and Im forced to live In a trailer because I cant get financing on a home. These companies are reporting accounts on my credit report thats connected to a different address than my actual address. I have proven my address and uploaded proof of my address below. Ive never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive disputed this with the credit bureaus and nothing has been done
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

Like XXXX days ago someone stole my citiprepaid card and they do several transactions without any sign or pin involved that is the first issue then they send me a VIRTUAL prepaid card so I can do transaction in internet I do like XXXX transactions and then the card the card stop working, ,I 'm a XXXX XXXX and they put our salary in this cards and there is not other choice is there or nothing alse so in order to use my money I need a fiscal card but because I 'm on vacations they can not give me only when I 'm on board, and city prepaid do n't have any office in XXXX the country that I live so I talk to a guy that tell me if was a corporate supervisor after explain to him all the situation and spend more than XXXX hours talking to a lot of persons he told me they ca n't do anything cause they do n't know what is the problem they say everything was right XXXX the card and if I want to do something I have to send the money by global deposit and I will have the money in 4 days is been already 8 days and my money is not in my account or the card account so I do n't even know where is my money and they again say I have to wait more than 14 days to see what is happening with my money I 'm on vacations and I need my money nowwwww is all o have is annoying that u ca n't use your money because the bank told u they ca n't do anything when they are the ones doing the transactions!!!! And also in their internet page there is a part where they put that would be 4 days to do the transaction!! So at the end they are lying to the people promising something and then when they do n't know what to do they just change the rules!!! I really need ur help cause they even say they are not a bank!! And what I know they bellow to citi bank I just need my money and I do n't want nothing to do whit them anymore for your help thank you.
Product: Debt collection

First Heritage has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

I'm going to talk about the fraud, but what I'm really after is PayPal 's complicity in the fraud. 

I encountered a fraudulent website, " howly '' yesterday, XX/XX/2023. They claimed to offer a {$1.00} trial, with a $ 49 monthly fee after that. I looked them up on XXXX, but I misread the rating, so I thought they were ok. 

In a conversation with their Chat AI, they claimed to offer a lawyer referral service. 

The minute I was connected to a human, I discovered, no. 

So I canceled the service on their website, and immediately went to PayPal to check. What I found was that they had already made 4! transactions. {$49.00}, XXXX, XXXX, XXXX. All within a second at XXXX. 

I immediately terminated the " billing agreement '' on Paypal 's website, and started disputing the charges. I did that at XXXX XXXX I also started disputing the charges, the first one was completed by XXXX XXXX 

By XXXX XXXX  PayPal had decided the first dispute in my favor. A gap of XXXX minutes way outside of business hours implies to me that PayPal has automated the dispute resolution for this vendor, which means they know that XXXX is fraudulent. 

But they continue to take payments for this source. So even though I am out only {$1.00} at this point, I am holding PayPal responsible. They are enabling and profiting from this fraud.
Product: Credit reporting or other personal consumer reports

I contacted the company Innovative Recovery INC on XX/XX/year>, at XXXXXXXX XXXX, and the debt collector was very rude, I requested a verification of debt and to lift the debt from my credit report so that I can prove I don't owe them, and he hung the phone up in my face. When I called back, he would just hold the phone and hang up.
Product: Credit reporting or other personal consumer reports

! Collections Account : XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX, XXXX XXXX XXXX {$550.00}, XXXX {$900.00}, XXXX XXXX XXXX XXXX {$6000.00}, XXXX XXXX {$0.00} XXXX XXXX XXXX  {$23000.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX  {$2500.00}, Credit Card Opened by the Thief Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$23000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2300.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9000.00} Fraudulent Information on Credit Reports Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$380.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it :