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

( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, Experian, XXXX and XXXX from reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accountsand inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting and FTC report to Equifax and transunion via CFPB regarding an ongoing is with these 5 fraudulent accounts reflecting on my credit report in which they were never given the 4 day block to be removed pending investigation which has forced me to take further action to create a record of this issue! I believe that reinserting these items without officially notifying me by mail is a violation of FCRA 611 ( A ) ( 5 ) ( B ) Im trying to figure out did a old girlfriend use my credit is why I am asking for full docs on how these accounts were created being Im doing my own investigation but Im simply getting codes not signatures or accounts which were used to make payments on these fraudulent accounts Maybe a old girlfriend made these accounts used them paid them then when the relationship was over they went into default Just trying to move forward with more info and deletions. Thank XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I bought airline tickets using XXXX, on XX/XX/, my daughter and I missed the flight due to XXXX XXXX long waiting line and not enough employees working during checkin, we checked in night before online, where at checkin at the airport XXXX hours before our flight only to drop off our luggage. Due to airline cancelation waiting line at checkin made us miss the flight. We try to take the next flight, airline did not give us any support, despite it was the airline fault. We were left at the airport without any help. I've been requesting a refund without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from XXXX to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncrony Bank offers insurance on the balance of your credit card in case of disability or  death the account would be paid in full. 
I filed such a claim and still after Ive sent them my XXXX information and the notes from my XXXX XXXX which has XXXX me it was never enough they wanted me to have the doctor who admitted me to the hospital only that was a long time ago. They have added late fees, interest on top of my credit line and now my credit is ruined. 
They now say I didnt have that coverage but I have my statements that prove I did until the day I filed the claim then they removed it. 
My credit is everything and I dont see why they are allowed to charge someone for something and when they try to use it they say months later they dont have it.
Product: Debt collection

On XX/XX/year> my account was assigned to a XXXX XXXX XXXX ( XXXX XXXX XXXX ) that I did not authorize. The original organization preforms surgical procedures, and prior to any procedure the company has to go through your insurance to find out any co-pays, and you are responsible for paying prior to the procedure, which I did. If the original company that performed the procedure didn't go through verification the procedure wouldn't have been performed for non-payment or would have made me pay the full balance up front. Not sure where the process of filing insurance went wrong. I have repeatedly asked to get this matter resolved. Based on Consumer Fair Debt Collection of Section 15 USC -1692c the collection agency is reporting an account of non-payment to the credit bureaus which is against the law per section listed being that I didn't give permission for this company to receive any information nor to talk with me about the following debt listed by the original creditor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. XXXX XXXX and EQUIFAX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681XXXX ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating 18 usc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments
Product: Credit reporting

TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 4 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including Integrity Solution Services, XXXX and XXXX XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus XXXX XXXX, experian, and XXXX and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.
Product: Mortgage

During the origination of my team member loan with Rocket Mortgage XXXX : XXXX my escrow account was calculated improperly and the company failed to correct it which caused me to miss my closing date. Multiple contacts were made with the company, my requests were actively ignored. My closing date was missed and additional costs were incurred due to the Rocket taking additional time to correct their mistake with the escrow account collection amount. 

I'm 1 year into servicing with Rocket, and I was notified my escrow account analysis occurred which caused an increase in payment of {$500.00}. I called and spoke with a team member on XX/XX/2022 named XXXX who promised I'd receive a call back within 24 hours to explain the increase. I've not received a call back. The servicer is ignoring my requests to explain the increase and I can not afford to pay the increase. I don't understand why there was an increase.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from one of my creditors stating that my credit limit had been reduced to {$650.00} from {$10000.00}. The card was opened on XX/XX/XXXX and was in good standing. I contact the XXXX XXXX trying to understand what went wrong. The agent from XXXX credit card verified that I never missed a payment, never late payment, always paid more than minimum. I was told a decision was based in whole or part on information received from Equifax, so I went on to contact Equifax on XX/XX/XXXX. The agent at Equifax stated that I had XXXX balance, which was incorrect. Ive always carried a balance on that card, and that the reason they didnt have the correct information was because of the lender, so I submitted a dispute.The following day XXXX received an email from XXXX XXXX card credit card XXXX XXXX me that credit limit had been reduced from {$8300.00} to {$4000.00}. On XX/XX/XXXX I I received the credit report. I was very disturbed to see that all accounts were showing no data since XX/XX/XXXX dates of last payments are incorrect, and last reported dates also incorrect, key factors that affected my credit score were incorrect also. I have submitted three dispute with Equifax so far issue has not been resolved. I believe that the issue is with Equifax and not the lenders. I have about 15 credit cards every single one of them is showing no data available since XX/XX/XXXX with Equifax some are even showing closed though I am actively using them. I need help with this, I am a senior citizen and Ihave worked very hard to keep my credit in good standings to have this happened to me now. I am concerned that other credit lenders will also follow suit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX has violated my consumer rights. 15 USC 1681e ( b ) Accuracy of Report 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. Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that 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 15 USC 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Product: Mortgage

I have attempted to obtain a loan modification or mortgage assistance for SPF Portfolio management for over 75 days. I have continued to upload documentation requested multiple times and they continue to come back with additional non-relevant questions. It seems the underwriters are intentionally trying to prolong this process to push me into foreclosure. I have spoken to multiple agents everyday and they always tell me that they have everything and don't need anything else and then the underwriter comes back with additional questions and request the same documents again. Its feeling like fraud and very frustrating. 

From reading the reviews on this company, its seems, I am not the only person dealing with this and that they are truly attempting to take homes from people.
Product: Money transfer, virtual currency, or money service

I have had my paypal account for many years and have used it for business transactions and for non-business transactions. Recently, after a whole year of high volume transactions Paypal locked my account and pinpointed three random transactions asking for the product sold and for my website to remove products that go against Paypal TOS. The issue is, I do not have a website and nor have I sold any products. All those transactions were with friends on discord to be paid back for stuff I bought them. Paypal support told me that I should not use their non-business transactions for amounts above {$50.00} but do not ever state that when you use their services and nor do they cap the amounts you can send. In fact, in order to send/receive more than XXXX I had to verify my account, showing once again that it is perfectly within their TOS to send and receive large transactions. Right now my account is locked alongside over XXXX USD of my money that is being withheld for me until I provide business invoices, suppliers, and websites that I do not have and have never had. I have talked to customer support at least 5 times to no avail.
Product: Credit reporting

I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$980.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Debt collection

By phone Paragon Revenue Group did not address the FDCPA violations, the threats made to me, the unanswered messages I left for a supervisor to call me or the validity of the company. 

The most important issue was the FDCPA violations. 

I spoke to XXXX she called my home implying that something was wrong with my child. It wasn't until later into the call and me concern for my child was clear that she mentioned it was about a debt. This is impersonation, giving the impression it was something other than a business matter. 

She threatening me with my credit after proof of debt was requested, she nor her co-worker, XXXX, fully mirandized the call. 

They hung up on me after I requested a manager more than once. 

I never received a call back from a manager and I attempted and left messages for one 3 different dates. 

This is abusive behavior from their staff towards a customer. This is unethical, unprofessional and against the fair debt collections practices act. Paragon Revenue Group took no responsibility for their actions. I feel an attorney or authority above myself should hold Paragon Revenue Group accountable.
Product: Credit card or prepaid card

Company Closed Account Then Charged It Of 15 US Code 1666b Timing Of Payments A Creditor My Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Reason 15 US Code1666 Correction Of Billing Errors 15 US Code 1681B Permissible Purpose Of Consumer Rights Section 602
Product: Checking or savings account

Citibank closed my checking account with no prior notification via email, phone call or mobile banking app. I called the customer service when my card got declined, and they told me that they closed my account and can not reopen it, with no explanation why they did it. I can provide all the transaction detail to verify all the sources of funds, and it was very frustrating to be told that I need to wait 60 days to receive the remaining funds. 

My name is XXXX XXXX, my account number is XXXX and the reference number that Citibank provided for this case is XXXX.
Product: Student loan

I attended XXXX XXXX from XXXX and loan servicer didn't discharge my federal loans under the court ruling XXXX XXXX XXXXXXXX. THEY ALSO FAILED TO NOTIFY ME OR SEND UPDATES. I HAD TO SUBMIT MY OWN BORROWERS DEFENSE APPLICATION WITH A WAIT TIME OF 3 YEARS DUE TO Nelnet failure. They transferred all my loans to XXXX and I wasn't contacted by XXXX either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXXXXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice