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

I looked at my report back in XX/XX/year> 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. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX open date is not reporting correctly, this account is not accurate XXXX XXXX XXXX  XXXX open date is not reporting correctly, this account is not accurate They have not responded to me Can you look into this matter
Product: Debt collection

The phone number listed for them is blank. I want to call this business and get details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my rights by Reporting this debt to my consumer report. A debt that is not mines. This agency is also in violation of USC 1692G. They were to notify me of this in writing 5 days prior, and I was not. As I look at my consumer report, I realize that when this account was opened, I was under age, so it could not have been me that opened this FRAUDULENT ACCOUNT. I have uploaded a copy of my ID for proof of age and residence
Product: Mortgage

XX/XX/2015 close to 8 months ago I began a mortgage Modification with Select Portfolio Servicing my current mortgage servicer. Early last my XXXX had a major set back when I lost my XXXX. Since beginning the process I have seen first-hand incompetence and miscommunication. As of this date my home has been appraised 3 times with each value thousands of dollars different from the one before, I have had values of $ XXXX, XXXX, and XXXX. Right now I owe {$470000.00} on the house. Since this night mare began I have submitted dozens of paystubs, and bank statements as well as any other documents that have been requested. I have spent hours on the phone talking with one representative after another and very seldom receiving the same information. At first I chalked this up to an over worked staff but as month after month has passed I came to the conclusion that no one business could be run so poorly, this had to be done purposely in order to tack on more fees to the back of the loan. In order to avoid any further issues at least with a pending foreclosure I began to pay 3 months ago on what was described as a streamlined modification which according to one rep was given to me by the Federal Government with out income verification but this would not affect the modification that I have in process. Even this was a point of contention in that I was originally told that if I began to pay I would be accepting this agreement which is saving me less than {$100.00}. and that the modification that I have been working on for the last 8 months we be voided. I am thankful that every conversation that I have had has been recorded I encourage the investigator to listen to these tapes and hear for themselves the misinformation that is given. I have been bombarded by dozens of letters which I receive daily asking for information then acknowledging that it was received and then asking for the same document again. I know that as part of this complaint that you will ask for documentation. I have well over XXXX XXXX pages that I will not burden you with. I am sending over the XXXX appraisals as well as a document request letter and a staement.
Product: Debt collection

Afni collections is trying to collect XXXX from me after XXXX has determined that the initial amt owed has been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance repossessed a vehicle that was in my possession on or around XX/XX/XXXXin Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to Capital One beginning from date XX/XX/XXXX up until the last letter which was sent XX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of capital one auto finance on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHAPTER XXXX BANKRUPTCY : DISCHARGED I requested for an investigation because CHAPTER XXXX BANKRUPTCY : DISCHARGED have nothing to do with me. I am a victim of identity theft and its not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax I am complaining to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiries from my credit file immediately. 


These negative items does not meet the FCRA reporting requirements. I do not recognize how and why it is reporting
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concernsregarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have right under 15 USC 1681. 

XXXX is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX, TransUnion, and XXXX written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to XXXX, TransUnion, and XXXX here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 an account without my written instruction XXXX  ( both accts ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX
Product: Debt collection

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Product: Credit reporting or other personal consumer reports

I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit reporting or other personal consumer reports

My brother used my information in XXXX XXXX to purchase a vehicle for himself Im guessing about a year almost 2 years ago. He owes over XXXX dollars and I want it off of my credit and out of my name since its his vehicle. He forged my signature and everything. Not once have I ever purchased a car in XXXX XXXXXXXX or even been in one of their car lots. Im not sure what company he purchased the car in my name but its in XXXX somewhere. I guess hes also about 3-4 months behind on his payments and when the bank that has a lean on that car called me, I told them that was not my car and gave them his phone number. I dont have his address or anything but need help asap!
Product: Credit reporting or other personal consumer reports

I am a " paid '' victim of the XXXX data breach. These accounts were listed as being fraudulent, yet they are still showing on my consumer reports. Please assist me in removing them.
Product: Credit card

I have spoken with several customer service reps including emailing seventh avenue to tell them I never received the product. They are still emailing me with a balance due, sending statements to my home and now it is on my credit report as a non-payment.

More importantly, the packages were left in the public area of residential building when I specified that delivery should be to my front door of my apartment because packages get stolen between the XXXX public doors of the building and in the lobby
Product: Checking or savings account

Had a check deposited that they approved and released into my business account. 2 hours later after i already ordered materials as the customer wished. They froze my accounts and told me i owed them all the money that was spent on the materials. And have not released any of my accounts or what little money i had in my personal account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Subject : Formal Complaint Against TransUnion for Identity Theft Handling and Violations of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against TransUnion regarding their handling of an identity theft case and apparent violations of the Fair Credit Reporting Act ( FCRA ). I believe TransUnion has failed to adequately address my concerns, and their actions have raised serious questions about the accuracy and integrity of my credit report. 

XXXXBackground : ** I initially filed an identity theft complaint with TransUnion on XX/XX/XXXX  providing detailed information and supporting documentation to demonstrate that the collections account from XXXX XXXX XXXX was a result of identity theft. This account was erroneously listed on my credit report, negatively impacting my creditworthiness. 

**Concerns and Violations : ** 1. **Repeated Removal and Re-Addition of Collections Account : ** - TransUnion removed the collections account twice between XX/XX/, and XX/XX/, only to add it back each time without proper explanation or notification. This erratic behavior raises serious concerns about the accuracy and stability of the credit reporting process. 

2. **Lack of Communication and Updates : ** - Despite my initial complaint filed three weeks ago, TransUnion has not provided adequate updates on the progress of the identity theft investigation. This lack of communication is in direct violation of the FCRA, which mandates credit reporting agencies to conduct reasonable investigations and inform consumers of the results.

3. **Failure to Act on Identity Theft Report : ** - I submitted a comprehensive identity theft report along with my complaint. However, TransUnion has not demonstrated sufficient diligence in resolving the issue, as the account continues to be inaccurately reported.

4. **Potential Violation of Privacy Act : ** - If TransUnion is indeed aware of the identity theft claim and fails to take appropriate action, it may be in violation of the Privacy Act by not adequately protecting my personal information.

**Requested Action : ** I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against TransUnion for potential violations of the FCRA , erratic reporting practices, and failure to address identity theft claims promptly.

Enclosed with this letter are copies of my identity theft report, previous communications with TransUnion, and any relevant documentation supporting my case.

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these issues and ensure fair and accurate reporting practices. 

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

Nationstar Mortgage LLC # XXXX is being incorrectly report as late for the past 8 months.
Product: Bank account or service

PayPal Inc. improperly placed holds on my PayPal Account. The company improperly handled disputed transactions and placed holds, reserves or limitations on my accounts without notice. PayPal failed to inform me about the type of activity that triggered the account freeze. Further, the company failed to provide me with an opportunity to remedy the situation and avoid holds being placed on my account in the future. Moreover, after sending the company the verification requested, PayPal continue to place frivolous holds on the account. 
1. On XX/XX/XXXX the company placed a hold on the account allegedly due to seller risk. ( See : Ref. ID # XXXX ) All the required banking and personal identifiable information was sent to the company. 
2. On XX/XX/XXXX the company placed a hold on the account and requested me to verify my identity and company information. ( See : Ref. ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
3. On XX/XX/XXXX the company requested verification once again. ( See : Ref ID # XXXX ) All the required banking, business and personal identifiable information was sent to the company. 
On XX/XX/XXXX the company placed a hold on the account and funds for 60 days requiring me once again to verify my identity and business information.. ( See : Ref ID # XXXX ) After the continued account harassment and unprofessional encounters via telephone with employees of the company, I requested PayPal to close the account and the company refuses to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never closed my account with XXXXXXXX XXXX  I told them to stop sending me catalogs and pre credit limits. They send it then I can't use it. I never closed any accountd
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2021, I initiated an " Instant Transfer '' from my PayPal account to my checking. PayPal would not process the transaction, and said they could not verify my identity, despite the fact that I provided them with my password, and my two-factor identification code from my watch ( that, if removed from my wrist, will not work ). This transfer was to an account that had been on the account since conception. 

I spent about five hours on hold, being hung up on, and receiving scores of different answers. Eventually, I tried to make a non-instant transfer and that was held up. They variously told me to go to XXXX to get the money, or to send my ID over to them, via a cell phone. I had told them at least five times I couldn't do that ... the money I was trying to transfer was from selling my phone!! 

Today, I borrowed a phone, and tried the " send us your ID '' thing. They informed me it would take five minutes to process, after a half hour I asked them what was up. Almost two hours later - forty times the indicated wait time - I was told that the verification failed. XXXX has kept the same photo of me for eight years now because I LOOK EXACTLY THE SAME as I did even FIFTEEN years ago. They absolutely did not examine my selfie or ID. 

I was told this is normal procedure, banks do this all the time, but I have never, ever, in my entire XXXX years been asked by a bank to give my password, 2FA code, last four of my social, entire 16 digit account number, a text code, a copy of my ID, and a selfie. It's " did you authorize this transaction? You did? Okay, try again. '' This is how it works at every bank, PayPal is the only company expecting me to verify every possible detail of mine. I'm surprised they hadn't asked for a DNA sample. 

It has now been over fifty times the quoted time for this withdrawal. They refuse to say exactly why this is held up, they give me form letters, and say the computer controls everything. This is not a XXXX movie, PayPal is not XXXX, it is not a sentient mainframe in a mountain somewhere. A person must be in charge, that's the way the world works, but they say oh system did it, can't do anything about it. So, if PayPal isn't in control of their own systems, who the XXXX has a picture of me, my ID, and my debit card numbers now?
Product: Debt collection

XXXX XXXX from XXXX of XXXX called me claiming I owed a debt, which I do not, from an online loan. He began calling my work number and then continued to call the main switchboard at my work after I told I would not pay a fake debt. He called over 100 times in 20 minutes and brought down our phone lines. We are a XXXX so this can not happen. They continue to call from an unknown number which our IT dept can not block.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL STSYEMS LLC Account Number : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Dear Jefferson Capital Systems LLC I am writing regarding the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.

Thank you for your attention to this matter. 



Sincerely, XXXX
Product: Mortgage

My husband and I had mortgages Bank of America For the last twelve months they have misrepresented that they would modify a line of credit as my husband and I has lost our jobs. They refused to take any monies from us during this time even though we were trying to become current. The after they kept stringing us along for 8 months. 
They denied the remodification and foreclosed on us even after we brwd the money to pay. 
after t
Product: Credit card

On XX/XX/XXXX, I purchased soccer tickets on XXXX. I paid {$400.00} with my Apple credit card, issued by Goldman Sachs. Those tickets were never delivered. I complained to XXXX, and in an email they admitted that the tickets were transferred to the wrong fan. Yet they failed to reverse the charge. 

I provided this information to Apple Card. They denied my dispute because the goods or services allegedly were provided. That is not true.
Product: Vehicle loan or lease

I have a loan with American Credit Acceptance. The car was purchased at XXXX XXXX in XXXX  the contract was for XXXX  monthly payments of {$340.00} totaling {$24000.00} - {$11000.00} car price and {$12000.00} to interest. Now as of today I have paid XXXX  monthly payments totaling {$25000.00} - {$9200.00} to the car and {$15000.00} to interest and the company says I still owe {$2500.00}. When making payments I usually paid {$350.00} instead of the {$340.00}. I have many emails and chats with this company and all the company says is I owe them and my account has a daily finance charge. I have my monthly statements and the information on the statements do not match what the company is saying is owed. It seems I will never pay this car off and I need help as I have already over paid for this car and the company just wants more money.