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

Experian Has violated the Fair Credit Reporting Act by not having my written permission to furnish any derogatory mark that is furnished on my credit report. ; according to 15 U.S Code 1681 ( b ) - Permissible purpose of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, In accordance with the written instructions of the consumer to whom it relates. I did not give Experian or XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX permission to furnish any derogatory marks on my credit report. Also, under 15 U.S Code 1681c- Requirements relating to information contained in consumer reports, except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my credit report any derogatory item should not be on my report. All consent Verbal, non-Verbal or implied is revoked. 15 USC ( b ) ( c ) states that A Financial institution may not disclose non-public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option, which i was never given by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the credit agencies. Also, the law clearly states it is illegal to report Financial transaction per 15 USC 1681a ( 2 ) states that it's illegal to report information about transactions or experiences between a consumer and the person making the report I am referring to are XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX any charge offs or collections are considered financial transactions.
Product: Money transfer, virtual currency, or money service

I was transferring money from XXXX to my chime account and I might go to bank it says that the payment went through and was completed on the other hand I go to my chime account and there's no money in it chime never received the money from this Bank but yet the bank said it was completed and that it went through I have no idea where my money is but it's up in the air right now and neither Bank knows where the money is I had a transaction for {$24.00} that I was transferring to chime and XXXX for XXXX that I was transferring to chime that I never received in chime but they were both processed on the other bank
Product: Mortgage

PHH does not comply with consumer protection laws. PHH has filed Notice of Intention to Foreclose against me every month for the last 11 months. Perhaps in retaliation to the complaint I filed for the same reasons in XX/XX/XXXX. These cite payment due dates that have already been paid. These are false threats designed to threaten and intimidate me. This mortgage was discharged in bankruptcy in XXXX. I was granted modification in XX/XX/XXXX and have been in total compliance ever since. Due to their constant harassment I feel that PHH misrepresented the modification agreement. In XX/XX/XXXX I engaged with a third party, XXXXXXXX XXXX XXXXXXXX XXXX for a professional opinion of the situation. They conducted an information gathering telephone interview with the PHH person designated by PHH. Later XXXX XXXXXXXX XXXX XXXX advised that I was not in default and if I continued to comply, I was not in danger of foreclosure. PHH will not allow me to make payments on their website or directly to them electronically from my bank account. This forces me to send a mailed check. This is always done the XXXX Wednesday of every month for the following months payment, sometimes as early as the XXXX. PHH recognizes these payments after the due date causing late charges and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have the CRA remove erroneous and outdated information from my credit report. I have sent a copy of my license and proof of address and they continue to do nothing about correcting their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

SLS has maliciously reported incorrect information on my credit report. I disputed with documentation of the loan letter closing statement and they are reporting a charge off as of XX/XX/XXXX when this was closed out XXXX. I had a XXXX daughter with XXXX XXXX  XXXX and my husband walked out. It is horrendous that this company can get away with reporting this incorrect information! Loan number was XXXX property address XXXX XXXX XXXX XXXX XXXX fl XXXX. Why can't I sue them for errors like this and hold them accountable!!!! Where are my rights? You call then and get the run around. This is on my XXXX  credit report and XXXX XXXX   finally updated the correct information. My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.
Product: Credit card or prepaid card

Issue is with PayPal credit and PayPal Mastercard : Credit is funds from checking ; not to be confused with PayPal Mastercard. 

Two charges were added to both PayPal credit and Paypal mastercard ; meaning I paid twice. 

XXXX in the amount of {$5.00} through XXXX XXXX ; charged twice Transaction id for credit : XXXX XX/XX/ XXXX for shipping label transaction Id for paypal credit : XXXX These same charges are on my PayPal Mastercard, I'm attaching all both bills so that other will be able to identify all the evidence.
Product: Credit card

Hello, I recently realized that paypal has made a hard inquiry for a credit card without my permission. Many people have experienced this same issue and there has been a lawsuit against paypal regarding this issue. The option to made a credit card inquiry was already checked for many people without permission. it was deceptive and lowered my credit score. I want it to be removed from my credit report.
Product: Checking or savings account

Deposited my cards act check. Shortly after the check cleared the bank put a hold on the account. I requested that the account be closed and the funds sent out. The bank has been holding my funds for over 30 days and informed me they would be holding the funds indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a billing dispute for services provided by XXXX XXXX on XX/XX/XXXX for XXXX with Citibank Cards XXXX XXXX XXXX XXXX XXXX SD XXXX. On my XXXX statement from Citibank a credit appeared.On the XXXX XXXX XXXX statement the charges were reversed. I have been going back and forth with Citibank and all requested information has been provided. 
On XX/XX/XXXX I received a letter from Citibank ( attached ) indicating that the case is closed because I did not return the concrete to the merchant. I have tried repeatedly to contact the merchant, with no response. 
I called Citibank XX/XX/XXXX and spoke with a manager, XXXX, who confirmed that until the materials ( Concrete ) are returned, they can not do anything for me. XXXX also confirmed that the merchant XXXX XXXX had not responded to Citibank either. 
From my perspective, Citibank has not provided the services they state about billing disputes or guidelines of what the Federal Trade Commission says about billing disputes. 
The XXXX was reversed and returned to the merchant, even without the merchant responding to Citibank. 
It is my understanding that after the allowed amount of time, if the merchant does not respond, the funds are returned to the cardholder.
Product: Consumer Loan

I went to a car dealer lot and got ripped off for XXXX the car and my down payment. I was in the process of buying a car back in 2011, and the dealer said he would shop around for a deal to finance the car. After having the car for XXXX I bought the car back to the dealer and at that time he said I have some one who will do the deal. I said never mind, and can I have my XXXX dollars back. OK, the deal is off. Canceled It.He said come back tomorrow and pick up the check for the down payment. I went back the next day and he was gone, I mean gone!!. The company he got to finance me called and said that I was approved. I told them I did not want the car and wanted the money back, she told that they had already sent the dealer the money for the car, I said I did not have the car or my money. So they told it was a done deal and that there was nothing I could do but make the payments.. I said make the payments on a car I do hot have. I will not! THIS HAS BEEN ON MY CREDIT REPORT EVER SINCE!! Late payments for the last 6 years. I have not been able to get credit in the last 6 years because of this. The company is Mid-Atlantic Finance in Florida, this wrong to do to somebody. The dealer should be put in Jail and Mid Atlantic. The way to resolve this is to give me back my money for the down payment and remove it from my credit. I did not make XXXX payment on the car, because I NEVER HAD THE CAR, THE DEALER LEFT TOWN AND LEFT ME WITH THE BILL. He Took my money and the bank 's money.. This is not fair and they should spend time in JAIL ...!! With years of late payments on my credit report. I have not been able to purchase a car or anything because this has held up my credit!
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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, 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. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am writing to formally dispute the accuracy of a True Accord collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, True Accord would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.
Product: Credit card or prepaid card

I figured out what the issue is with not receiving the {$50.00} bonus for referring a friend. The ad posted on the app offering {$50.00}, links to a different page that offers {$5.00} for sharing the app with a friend. I don't know if this is intentional in order to do a bait and switch but your links are definitely broken and not linking to the correct offers. To make it clear, when I click refer a friend to earn {$50.00}, it takes me to the page that has the link to share the app and only earn {$5.00}
Product: Debt collection

On XX/XX/year>, I received a voicemail from the phone number ( XXXX ), where a person identifying herself as XXXX XXXX stated, My name is XXXX XXXX. I am contacting you in reference to a complaint that has been forwarded to my office. If you wish to discuss these pending things that may be filed against you, you can contact the firm and control this matter. You can reach them directly at XXXX. Please be advised that this call has been logged and submitted as proof that you have been notified of this pending. 

When I returned the call, the person I spoke with claimed that the purpose of their call was to give me a courtesy call that someone was scheduled to visit my address to deliver a document. When I asked what the document was, they responded, Are you not expecting a document? I said no, and they then advised me to call XXXX XXXX XXXX, but did not provide a website URL or any further information. The actual name of the firm is XXXX XXXX XXXX, not XXXX XXXX XXXX, which immediately raised suspicions. 

After this unsettling interaction, I immediately called XXXX XXXX XXXX, and requested validation of the debt from XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ), as I do not recognize or acknowledge this debt. XXXX XXXX XXXX responded by providing only a Release of Liability document, which did not fulfill the requirements for proper debt validation. 

Despite my clear communication that I required full debt validation before acknowledging the debt, XXXX XXXX XXXX continued to contact me, threatening litigation and pressuring me to settle the debt. On [ Insert Date of Follow-Up Communication ], I reiterated my demand for proper validation and explicitly requested that all collection activities, including any mention of litigation, cease until validation was provided. 

In response, XXXX XXXX XXXX continued to disregard my rights under the FDCPA, attempting to justify their actions by claiming that the matter was in the preliminary stages of litigation and therefore not subject to the standard debt validation process. They further suggested that I seek legal counsel, which I found to be condescending and irrelevant, as I am fully aware of my legal rights. 

XXXX XXXX XXXX has failed to provide the required debt validation, continued to engage in collection activities, and attempted to intimidate me with litigation threats, all in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name.

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Product: Debt collection

The company M. Leonard & Associates has repeatedly tried to scam me for medical bill money I do not owe. Ruined my credit score over & over by doing this. I have had XXXX XXXX fight them once for the same amount they are charging me once again {$240.00} ( which they have gradually increased over time ), which XXXX XXXX has won the dispute w/ XXXX  & had taken off my Credit report. I have also had it taken off XXXX  previously, so how these scam artist can sneak & put it right back on there I have no idea! I have a young child & am currently having XXXX XXXX XXXX. Life is hard enough without ruthless dishonest crooks like these. I have full coverage health insurance & always have. No-copay. As in XXXX. This is insane to me, bc I have never.. I repeat never seen a Dr. that does not take my insurance & dont have a co-pay. 100 % hospitalization coverage, as well as 100 % XXXX & XXXX coverage. Prescription are free. You name it. For Petes sake I get an XXXX that cost $ XXXX a year & they come to my home to give it to me each month. I dont think they my insurance is sweating a {$180.00} turned {$240.00} bill!! Obviously, this is made up, & the company is not a real Dr or hospital that this M. Leonard & Associates is billing me from! Like what entity or hospital or Dr. is MEDICAL PAYMENT DATA anyhow???? Can someone tell me?!? Sounds like a racket to me! A way good old M. Leonard & Associates found to con people out of coughing up there hard earned cash over the years, so they wouldnt ruin their creditbc hey, what else do us are us little people who eventually wan na buy a house gon na do??? 

Please help. Thank you kindly. 

PS - Attached is the M. Leonard & Associates False Derogatory Account, as well as a screenshot of my XXXX XXXX today showing no XXXX  as you can see they have disputed M. Leonard & Associates as of recently, & gotten then off my credit report only months ago. Unfortunately, these crooks made their way back on in the past few days. I noticed them on XXXX XXXX & XXXX.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report were 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 : XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$430.00}