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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person
shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Paypal refuses to refund a purchase that I have proved was a fraudulent transaction of a product I could not use. 

I used my Paypal account to purchase a ticket to an event in the XXXX, from a website called XXXX believing it was an authorized ticket seller. When the ticket arrived it was in someone else 's name and I had paid 3 X the face value. It was a scalped ticket. I filed a dispute BEFORE the day of the event to attempt to get a partial refund and because the ticket was not in my name. The vendor did not respond in time, and eventually paypal closed the dispute without even advising me via email. 

Online the dispute explanation cited : " The item violates the PayPal Acceptable Use Policy. It 's ineligible for PayPal Buyer Protection ''. When I called to have this reasoning explained the representative said " oh you can ignore that, its just a standard response that does not relate to your claim. Your claim was denied based on the fact that the vendor says the ticket was still usable ''. Strange to publish a reason it was denied, but then explain that was not the reason. On the day of the event, I was unable to use the ticket as the vendor checked my ID and the name did not match my ticket. They denied me entry to the event, confiscated the ticket and told me to check their ticket terms and conditions. When I did I saw that they do not permit 3rd party ticket sales or their tickets to be resold on the internet. Paypal does not offer the capacity to submit a NEW dispute on a charge, so I was forced to APPEAL the original dispute/claim, even though it is actually a new dispute. I advised them of the following : 1. I went to attend the event and was not admitted as they checked my ID. 
2. The basis of Paypal 's last determination was that the ticket was still valid, regardless of the name on it. 
3. This has been found to be untrue and incorrect. 
4. When I questioned the event organizers who were not admitting me, they advised me to consult their website for the ticket purchase terms and conditions. 
5. I did so, and found that the vendor XXXX with whom I engaged in this transaction was violating the terms and conditions of the ticket sales from the issuer, and therefore sold me an unusable product, in a fraudulent transaction. 
6. I uploaded a PDF with a highlighted paragraph from the ticket issuer website pertaining to resales. 
This is the link XXXX 7. I use Paypal for such transactions as I believe it provides me protection from fraud 8. I expect this amount to be refunded, and retrieved from the vendor in a timely manner. 

The claim was denied by Paypal with only this explanation : " After careful consideration, we 're unable to decide this claim in your favor at this time. '' This process and outcome is not acceptable to me. Paypal has engaged in a fraudulent, cross-border transaction, and refuses to refund my money.
Product: Debt collection

I authorised a final payment with NFCU on XX/XX/XXXX for my account and provided my bank account information. Now nearly a month later they have not only failed to process the agreement but claim when I call that it should have been completed by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX 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: Credit reporting or other personal consumer reports

I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that TransUnion has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with TransUnion, including : Conducting sham investigations : TransUnion, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : TransUnion has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools.

Failure to notify consumers adequately : TransUnion provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results.

These practices undermine consumer rights and can sign
ificantly harm access to credit, employment, and housing.

My Dispute I have identified the following inaccuracies in my TransUnion credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by TransUnion have contributed to their continued presence.

Legal Obligations Under the FCRA Under the FCRA, TransUnion is legally required to : Ensure the accuracy of consumer reports.

Conduct thorough and meaningful investigations of disputes.

Prevent the reinsertion of inaccurate information unless specific procedures are followed.

Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation.

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report.

Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps
Product: Money transfer, virtual currency, or money service

I was scammed into sending money via Chase XXXX for a rental property at XXXX XXXX XXXX XXXX, XXXX. I first saw the home listed on XXXX and contacted the listed owner, XXXX XXXX, who is in fact the owner on legal record of the home. Unfortunately, his identity and name was being used by criminals. After viewing the vacant property and agreeing to the rental terms, I was given a XXXX account to send two months security deposit and first months rent totaling {$7400.00}. One payment for {$5000.00} went through on XXXX/XXXXXXXX and another payment for {$2400.00} went through on XX/XX/XXXX. On the night of XX/XX/XXXX, while looking at the property again the listing was gone and a new listing appeared on XXXX with a much higher rental price and different contact person, XXXX XXXX. I contacted him and he told me that someone had stolen his fathers identity, XXXX XXXX, and hacked in to the actual listing, using all the data, photos and information about the property. I immediately contact the fraudulent scammer and asked for the money back and he replied, okay. Of course, the money was not returned, the phone number and email associated with XXXX was also fake. I contacted XXXX and Chase And they refused to even file a claim stating I willingly sent the money and they were not responsible.i contacted XXXX which is part of XXXX and they could not give me any information because it was a feed listing from a syndicated source. They did open a claim. I am a Chase Private Client and expected that Chase would protect the people who trust the bank and the services it provides especially when a client is a victim of internet fraud. XXXX XXXX has filed a complaint with the Village and Town of XXXXXXXX XXXX and I filed a complaint with the XXXX XXXX police where I am a resident.
Product: Credit card or prepaid card

Last XXXX or XXXX I was browsing through the Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated the offer and clicked the link. They asked for and required my XXXX account information for the subscription and I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions. They are trying to find every excuse to not execute this offer as promised and I am NOT AMUSED! 

I have complained twice to the XXXX XXXX XXXX and they have given the same run around. I am EXTREMELY DISAPPOINTED and shocked at how this company has treated me about an otherwise trivial issue where their advertisement was clearly misleading. The only thing you can buy on XXXX is a monthly service subscription charge!!!!!!
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this information. And seeking reports free from XXXX and Experian and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I observed that incorrect accounts appeared on my credit report tonight, and I dont understand the reason. When I checked my credit report like I normally do, I found unexpected discrepancies. I refreshed my browser to check if it was a technical error, but the inaccuracies persisted. Therefore, I request a thorough review of the documents I've provided to ensure this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX .... 
Balance : {$13000.00}
Product: Money transfers

On XX/XX/XXXX we have an outstanding balance of {$3000.00} interest free credit line loan with Citibank. Free interest expires on XX/XX/XXXX for this remaining {$3000.00} balance. On XX/XX/XXXX we accepted another CitiBank interest free offer loan of {$5000.00} on the same account. I wrote down the important details of this transaction over the phone. {$3000.00} was added to the {$5000.00} making a total of {$8200.00} OUTSTANDING loan INTEREST FREE payable effective XX/XX/XXXX up to XX/XX/XXXX For XX/XX/XXXX we paid {$45.00} minimum payment, for XX/XX/XXXX we paid {$750.00}, for XX/XX/XXXX we paid {$500.00} -- All interest free as contracted. 
Then for this coming XX/XX/XXXX scheduled payment, Citibank charged us {$25.00} interest alleging that the free interest outstanding balance of {$3000.00} had expired on XX/XX/XXXX. This was not our understanding ; our understanding of the agreement as discussed over the phone was that the balance of the old loan had become part of the interest free outstanding loan of {$8200.00} payable effective XX/XX/XXXX. It was not disclosed to us that the old loan of {$3000.00} free interest feature continues only up to XX/XX/XXXX and that after XX/XX/XXXX we will be charged of interest. There was a fraudulent intention to trap us into paying interest. Because of this entrapment, I declared to Citibank Supervisor that we are not paying this fraudulent interest charge and be part of Citibank conspiracy to defraud consumers. 
The previous Citibank Supervisor offered some kind of solution that he would forego the interest charge if we pay the balance of the first interest free loan. Today I called Citibank and spoke to another responding Supervisor named XXXX that we are paying the remaining balance of the first interest free loan as suggested by the previous Supervisor. Supervisor XXXX declined telling us there was no such offer of adjustment by the previous Supervisor. This rude Supervisor XXXX did not know that we recorded what transpired which exposes him as a liar. He claimed he is the authority representing Citibank when I asked to speak to his superior. If this is so, Citibank then is determined to scalp consumers for even a miserable amount of interest of as little as $ XXXX/mo but probably amounts to $ millions/mo for thousands of consumers it dopes like me and my wife. 
The solution I want which is fair is we will pay all the outstanding balance of the old loan which Supervisor XXXX claimed still exists immediately provided that we are not charged of the fraudulent interest that was not disclosed to us when we consolidated the XXXX loans into an interest free single obligation. The non-disclosure was a violation of the disclosure law. The other reason why we do not want to pay this fraudulent interest is that we do not want to be a willing participant to Citibank 's conspiracy to defraud innocent consumers like us. 
I want this published so that the innocent public maybe warned not to conduct business with Citibank and become victims of this well hidden interest scam. XXXX XXXX. E-mail address : XXXX. XXXX XXXX, 2016 -- XXXX XXXX XXXX time, California.
Product: Mortgage

This is my 4th complaint about Chase during the short sale process. After giving my agent the NET proceeds needed to receive the approval, my agent forwarded documentation showing them their net, and then Chase responded that they would only issue an approval with NO COMMISSION to either agent! They said it's because the agents all work at the same company, they have over 1,000 agents! My agent has called and been treated badly by Chase and is due the commission. Please contact Chase and make them step up, her package gives them their net while still getting the commission. Thank you.
Product: Debt collection

I am being charged a debt that is not mine. I was playing for XXXX XXXX and we were using a gym membership account. My Social Security was never provided. My address was never provided. I do not know how they got my information to assign this bill to me. XXXX XXXX was a professional team in Arizona, and it is currently closed down due to legal issues. They were giving players illegal green cards for them to participate in the professional league. The account that was opened with XXXX XXXX  was arranged by the club. The club was responsible for its payments.
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 XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX, a closing was to take place for the sale of a residence I own. The sale has been postponed due to the following. On XX/XX/XXXX, my closing Attorney contacted my Mortgage Bank, Mr. Cooper, and was advised that I owe {$85000.00} on a Balloon Mortgage. A Mr. Cooper employee e-mailed the Balloon note to us. This loan originated on XX/XX/XXXX, when I closed on the loan of a Conventional Fixed Mortgage for {$85000.00} with XXXX XXXX A comparison of the Balloon Note, and my closing documents I kept from the closing, clearly show that the signatures on my closing documents and the Balloon Note are in no way similar, and both documents are dated XX/XX/XXXX. To date, I have never received copies of closing documents from XXXX XXXX. At closing they refused to supply same. When the notary left the room, I made copies of same which are attached. In closing, I have never signed a Balloon Note. The loan originated with XXXX XXXX, was transferred to XXXX XXXX XXXX, and serviced by Nationstar / Mr. Cooper. My documents regarding the Mortgage is, The New Loan Payment Form list the loan type as a Conventional Mortgage, not a balloon. The form also list the term as 180 months with a payment of Principal & Interest. The Mortgage Loan Commitment list the loan as a Fixed Rate with boxed marked, the Balloon box is not marked.

The Lock-in Agreement list the loan as fixed ( no Balloon ) with 180 months with Principal & Interest. The Itemized of Amount Financed, NJ Application Disclosure, Occupancy Certification, and Mortgage, are all signed and clearly do not resemble the signature on the Forged Balloon Note. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  regarding obtaining my Mortgage Loan Documents related to the Forged Balloon Note. On XX/XX/XXXX, I received forged copies of an Itemization of Amount Financed, Truth in Lending, and Notice of Right to Cancel. An examination of the Itemization of Amount Financed from XXXX XXXX XXXX, is a completely different document from my Itemization of Amount Financed I signed at closing listed above. The signatures and contents of the document are completely different. All contacts with Mr. Cooper are attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION Some of the information in my credit report is inaccurate or incomplete, or both. Please correct all of the inaccurate and disputed issues below. 

XXXX  - LATE PAYMENT 90 DAYS I have asked you to verify this late payment and send me, via USPS, how you determined that I paid late. I do not have any late payments, but my credit report shows otherwise. Please fix this. I paid this debt. I disputed this debt with the furnisher, but its not reporting as disputed. ] Please correct this information. 

Please send me all proof and any information you receive from your investigation, and tell me what procedure is used to decide the correctness of the information you report, plus the business name, address, and phone number of any people/companies that give you information. Also, please send me a complete copy of my credit report. 

Thank you,