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

On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the Equifax data breach of XX/XX/2017 had compromised my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts and inquiries listed on my credit report that I have NO knowledge of and did NOT authorize. This was a result of malpractice or an error.
Product: Debt collection

Was billed by Team Health ( bill ID XXXX - XXXX - XXXX ) for an ER visit on XX/XX/year>. I did have an ER visit at XXXX  XXXX XXXX in XXXX TN at that time. The problem is that the provider they are billing for was an out of network provider even though the facility was in network for me. I was never notified of this. This is a violation of the no surprises act. After the bill was received I opened a case with the no surprises help desk ( confirmation number XXXX ). While awaiting a determination for my case the bill was turned into collections. The collector is Healthcare Revenue Recovery Group LLC. Their address is po box XXXX XXXX OH XXXX. Their phone number is XXXX. My reference number is XXXX.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX 2024 MY CREDIT WAS PULLED AT A CAR DEALERSHIP.. IT WAS NOT ME WHO HAD THIS DONE
Product: Checking or savings account

A merchant called  XXXX  unauthorized charged our card without permission by deducting funds :  1 . Date and amount of  transaction1 :   XXXX   XXXX ,   XXXX   : {$180.00} ; {$25.00} for fee  2. Date and amount of transaction2  :  XXXX   XXXX ,   XXXX   : {$580.00} ; {$25.00} for fee We opened a dispute with  Citibank  on  XXXX    XXXX  . We had contacted Citibank no less than  20  times via  Citibank p latform, mails, including providing all the necessary documents multiple times ; however,  Citibank chose to ignore our request. This matter had been ignored by Citibank  for 9 months now.     We had no choice but to seek some help here in getting some update on this matter.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX neglected to update personal information, address is reporting incorrect. See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Address XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

XXXX XXXX {$1500.00} disputed with transunion
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 XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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

My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my XXXX credit report. I called the XXXX Bankruptcy court that XXXX said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or XXXX and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY XXXX REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Mortgage

My mortgage was sold to M & T bank in XXXX or XX/XX/XXXX. My regular monthly payment at the time was {$510.00}, then they did an analysis on my escrow account in XXXX because I had gotten homeowners insurance and I knew it would go up of course, and it did, to {$580.00}, I always pay online and that's what I have been paying since that's what it says is due. Today XX/XX/XXXX I went online to pay and my amount due was {$710.00}! So I immediately called and they couldn't give me an answer, said they had done an analysis in XXXX and unless they have made a mistake somewhere that will be my regular payment. 
I have the document that stated that after the analysis they did in XXXX that from then on out there would be an annual one done every XXXX. 
Also there is something on my paper bills added to my regular payments {$110.00} listed as Recoverable Corporate Advance? That is never on my bill when I pay online, I am current on mortgage, please help, I do not believe that my house payment has jumped {$130.00} and the {$110.00} recoverable corporate advance since they did the analysis in XX/XX/XXXX. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my XXXX XXXX and noticed that this XXXX Credit Card account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

XXXX and XXXX have already shown that the account was not mine and the information is not accurate so they have removed the account. Experian still has not. 

I have attached photos from XXXX separate reporting companies that show different/inaccurate information. In the photos you'll notice that Experian shows on XXXX report the open date is XX/XX/XXXX and the other says XX/XX/XXXX. It also shows on XXXX report that the last payment was made on XX/XX/XXXX and on the other report, it shows no such payment was made. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!
Product: Mortgage

On XX/XX/XXXX I emailed the Customer Service and Research departments at Cardinal FinancialXXXX XXXX to request a credit report correction to remove a 90 day late payment reported in XX/XX/XXXX. A response was received on XX/XX/XXXX stating no correction would be made because I was never approved for a forbearance which is completely false. 

My first mortgage payment on this loan was due XX/XX/XXXX and was made on time. I was subsequently approved for a $ XXXX forbearance for XXXX, XXXX & XX/XX/XXXX. Attached is a letter dated XX/XX/XXXX from Cardinal Financial that states I was approved for a forbearance along with a copy of the signed forbearance agreement dated XX/XX/XXXX confirming my acceptance. I emailed the Loss Mitigation on XX/XX/XXXX to confirm my acceptance of the forbearance agreement. I also spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in the Loss Mitigation department and they both confirmed the forbearance was approved for XXXX, XXXX and XX/XX/XXXX. 

Furthermore, a payment from the Homeowners Assistance Fund posted to my mortgage account with Cardinal Financial on XX/XX/XXXX that covered 6 months of mortgage payments which Cardinal Financial applied to the period XXXX XXXX XXXX 

I dispute the 90 day late payment reported in XX/XX/XXXX as I was approved for a forbearance in XXXX, XXXX and XX/XX/XXXX and in XX/XX/XXXX a mortgage payment was made on my behalf from the Homeowners Assistance Fund that covered a 6 month period that posted to Cardinal Financial on XX/XX/XXXX in which they applied to the period XX/XX/XXXX through and including XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am in financial hardship due to Googles lack of doing their job after fraud has been reported. I have someone ruining my life and I don't know why or who. All I ask is that the account be blocked from any and all purchases as XXXX did. I deleted my cards from Google XXXX  and my Bank card is back along with a Google XXXX credit. The app is called XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Google refused my refund and you can not speak to anyone or go into detail. They said to contact the creator and the creator says to contact Google. I was told these were made by me and I was denied via email. 

My phone and account for XXXX was compromised. I had the phone factory reset and I purchased XXXX XXXX XXXX  for my personal information safety. I filed a complaint regarding ID theft and am reporting on here. 

The merchants for this one virtual casino game are all different 1st red flag, second I am aware they are being sued for online gambling in a class action they even have a problem gambler hotline, I myself prefer if I were to gamble to be able to win real money the entire thing is ridiculous and these companies Google XXXX XXXX don't care who they are hurting as long as they get real money for virtual money even at the hands of someone commiting fraud to do it. 

They need to return my money and cancel this XXXX XXXX account in my name and they will never hear from me again now that ive suffered through having to figure out what the heck was going on and what to do to prevent it it was very stressful and I wish I could sue. The charges are over {$1000.00} total. Google does not feel safe anymore I have to change everything and I no longer have XXXX because they only take google pay.
Product: Credit reporting 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 correct : XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Experian is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.
Product: Money transfer, virtual currency, or money service

I started using PayPal for a service I provided. I went on a XXXX channel and after people wanted psychic readings. 

It happened unexpectedly. Within 2 weeks 80+ people have contacted me. 

I didn't realize the problems with PayPal before like 21 day holds on funds even after the service was successfully provided. 
They often deny my ability to use my debit card claiming they can not confirm it's me. 

My phone provider is XXXX. The account is in my name. I actually have a physical credit card from PayPal they 9 times out of 10 will deny usage. 

Today I loaded XXXX cash from my XXXX payment through another bank to Paypal and they now are denying me the ability to send money to a friend. I borrowed money because PayPal denying my card left me stranded.

I am a homeless Veteran living XXXX XXXX XXXX. I left my home because we ran out of water. I am currently looking for a new place but funds are short and PayPal is holding money I desperately need.

After I withdraw my {$1000.00} from PayPal I plan to close my account. 
I also will be contacting an attorney as I feel this is preditory business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for an apartment with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I spoke with the leasing manager  XXXX  and I advised her of my situation. I let her know that I filed Chapter  XXXX  Bankruptcy and it was discharged  X/XX/16   , over a year. All of my credit since the BK is all in good standing.  XXXX  advised that she has had multiple renters,  XXXX  or  XXXX , with the same issue and they were able to get approved.   So I applied, with the special- {$150.00} holding deposit and  XXXX  month free. After they ran my credit,  XXXX   XXXX  reporting agency asked for documentation from the civil court showing my judgments were satisfied. I supplied on site the Superior court documents and documentation from the civil court. They still denied me. I was told that I should n't even apply to these apartments because they wont accept me. Then I was hung up on by On Site. I had my father as a co signor and The Landing and On Site still denied us and never told us a reason why. I I feel discriminated against. I know have added my mother and father as a guarantor and I am waiting for a call back from The Landing. I am thinking they are going to deny us all again, even though with my parents as co signors I am overly qualified.     I am filing a complaint because my credit report should have been updated with the correct information with On Site. I am upset at how on site and the Landing have treated me as a customer. I was discouraged from applying, yet others were accepted with  XXXX  evictions ..     On Site has reported information that has denied my application when all judgments and liens have been satisfied. Please help. I know I have rights and that I am protected from being profiled, racially and I am being denied due to my BK that has been discharged and satisfied.
Product: Mortgage

I have previously tried to obtain XXXX types of information from Mr. Cooper Mortgage servicer. First I want to state that I did not solicit business with Mr , Cooper. My mortgage was transferred to that company in XX/XX/2023. I am not in the arrears regarding payment. 
The first type if information I requested was. How much interest would be deducted if I fully paid of my mortgage in full?. Instead of providing that information, I received XXXX different answers at XXXX different times. The first answer was that they would PROBABLY deduct the interest but were unable to say how much. The second answer was that I had to pay them the full remaining balance and theywould then send me a check for any difference they deemed I was due However they refused to specify how much money would be returned to me The second type of information I attempted to receive from Mr. Cooper was regarding a recast of my mortgage. In order to recast a loan, Mr Cooper requires a nonrefundable {$250.00} application fee to be paid by money order or certified check. It also requires a minimum payment of {$100000.00}. I sent them a money order for {$250.00} with an indication that I would provide a future payment of {$14000.00} in order to reduce monthly mortgage payments. These new payments constitute and agreement between me and Mr. Cooper. Yet Mr. Cooper refused to provide any documentation regarding the new terms of the mortgage payments until after I sent them {$14000.00}. The initial application provide no terms. It only asks for your intended lump sum payment and a request for {$250.00}. I asked for further documentation on more than XXXX occasion. I explained that I was not comfortable sending them {$14000.00} without seeing the written terms of any new agreement. Nor was I comfortable with sending them the full pay off price with out knowing how much interest would be reduced. I have stopped payment on the {$250.00} money order because Mr Cooper provided no documents or service for the fee they charged The CARES ACT states that mortgage servicers are required to provide clear, accurate non contradictory answers to clients. My own experience as well reading the experience of others has shown that Mr Cooper has a consistent pattern of either providing no information or providing contradictory information I do not have any documentation regarding the payoff price and deducted interest but attached to this compliant is a chat transcript between myself and Mr Cooper and my request for documentation regarding the recast
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified about possible identity theft and collection that doesnt belong to me, about a year ago. Police report was filed along with identity theft report. Collection was removed, but came back again a year later. 
Customer service is not available to fix the problem, website is constantly down, phone numbers are providing same recording that doesnt have proper prompts to address the issues. No sources available to fix the access to my credit report, to file the dispute, or access the company representative.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXman Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

This complaint is about both American Express and XXXX. I have reward points with American Express for using its credit card. XXXX accepts these reward points as payment for its goods. However, the check out and payment pages of XXXX do not DISCLOSE that {$1.00} used to pay for XXXX goods is equivalent to XXXX reward points. Instead, it simply states that a customer has $ xx available without disclosing the number of points that the dollar amount will use up. As a result of this lack of TRANSPARENCY, we used all our XXXX points. In contrast, to pay for travel through American Express, {$1.00} is equivalent to XXXX points. No economically rational agent would take XXXX 's exchange ratio over American Express 's exchange ratio if she or he knew about the different ratios and was given full disclosure of information in the transaction. Commutative justice demands FULL DISCLOSURE of all relevant information in business and financial transactions. I called XXXX but the " leaders '' were unhelpful and intransigent. The company must be compelled to be more transparent in getting customers to use American Express points to pay for XXXX purchases. American Express should be more vigilent with its partners to ensure that its own customers are not duped in this way.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer | Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

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