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

The following account was disputed with the bureaus directly. I supplied them with the payoff letter provided by the creditor once the account was paid off as agreed and they still refused to revise the inaccurate information. This account was paid in full via automated payments directly debited from my bank account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Marked as charge off when paid in full letter attached
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I was a victim of identity theft and found many credit inquiries that I had no knowledge of here are the inquiries I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these fraudulent inquiries from my credit report. I also attached my identify theft report as well.
Product: Checking or savings account

On XX/XX/year> I received a letter in my inbox on the USAA app saying theyre closing my account and it will take 60 days to process and Im responsible for any overdraft fees etc. the next day I was having a direct deposit from my work deposited into this account. I called several times for XXXX days and they said they could not tell me why they chose not to let me bank there and to dispute the deposit from my payroll and it will go back to them so I can re deposit it into my other account. On XX/XX/year> I received a letter in the app saying they will not be returning my deposit because my account is in credit only status and I can not withdrawal anything so their own advice I took they will not honor. I need my direct deposit returned to my payroll so I can have my paycheck. Everyone I have called they can not give me an answer why my account is closing and saying I can not have my money. Everyone at USAA has been completely unprofessional unresponsive and putting me on hold leaving me in the dark for a week now
Product: Checking or savings account

I was able to maintain an account with JPMORGAN CHASE & CO from XXXX. However, JPMORGAN CHASE & CO. closed my account. At this time, I have not received my funding back from my direct deposit at the time due to JPMORGAN CHASE & CO. closing my account and applying the funds to a closed account. Account ending in ( ... XXXX ).
Product: Debt collection

Steadily calls me at my job providing Claim XXXX even though I give many verbal cease and desist requests But, they still make me nervous because yet again they leave me more messages. 

Very aggressive individuals these people have never sent me any written communication. 

These people called saying they were central mediation. 
Their number is XXXX. 

They are advising that I call a specific number to get more detail otherwise someone will be coming to home to serve me with papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Debt collection

CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and XXXX XXXX just kept piling on fees, so no way I can pay it. I am twice widowed and insolvent. I sent a cease and desist letter to XXXX through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( Admin Recovery/XXXX XXXX XXXX XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was attempting to purchase some tires from XXXX. For some reason they kept cancelling my order. After five attempts to purchase the tires and being cancelled, I contacted their corporate office because I didnt understand why this was happening. Finally on the sixth attempt, I did purchase the tires and paid for them with my pay pal account. As I always do, I paid my bill when it was due, but Pay Pal is claiming I still owe XXXX of these cancelled transactions and I do not. I never made a purchase for XXXX and as you can see from the attached, it appears that part of the refund from XXXX excluded {$170.00}. After many calls to Pay Pal and being told that my claim to dispute the charge was denied, I called XXXX at XXXX and was told all refunds went back to Pay Pal. After researching transactions and payments for this issues, I noted that a transaction of XXXX was missing from the refund from XXXX on XX/XX/XXXX. This refund was for a transaction of XXXX on XX/XX/XXXX, and for some reason on my Pay Pal account it is showing the refund was made in 4 different payments. The initial refund was for XXXX instead of the XXXX, then it appears to correct the transaction XXXX different payments of XXXX was applied to my account on XX/XX/XXXX, that leaves a balance XXXX which they are trying to say I owe. What I do know is that the only transaction that went through was the one on XX/XX/XXXX for XXXX which was paid XXXX on XX/XX/XXXX and the balance in full on XX/XX/XXXX along with a small charge of XXXX for a XXXX bill for a total of XXXX. I also went through all of my transactions and payments as of XX/XX/XXXX and there is nothing owed by me as I always pay my bills as due. I received a statement claiming that Pay Pal gave me a credit of XXXX on XX/XX/XXXX. If this is indeed correct, there should not be any balance on my account as that should have accounted for the XXXX payment missing. I have called Pay Pal so many time and there is a different and misleading story each time. I was even told once it was resolved and then received a letter that it was denied. I could not understand what was denied as this was not a charge that I owed. Please note that prior to this purchase, I did not owe anything to Pay Pal thats why I wanted to put the tires on this account. 
They claim they gave me the credit for XXXX, but if indeed the credit was given, where is this XXXX derived from that they claim that I owe. As requested by pay pal credit, I wrote the Corporat office on XX/XX/XXXX sending the letter by certified mail and did not get a response or acknowledgement of my concern. I have now learned that they have placed this in the credit bureau and has ruined my exceptional credit rating that we have had for years. Please advise what I should do thank you in advance, XXXX XXXX. XXXX XXXX XXXX
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. 
XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX 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.
Product: Mortgage

XXXX  DETAIL TRANSACTION HISTORY XXXX XXXX : XX/XX/XXXX XXXX Mr. Cooper XX/XX/XXXX XXXX On the transaction history for XX/XX/XXXX Is an escrow balance posting a {$5900.00} please identify what that amount is and what it is for on XXXX what that amount is for on XXXX you posted {$120.00} please identify what that amount is for on XXXX you posted {$88.00} what is that amount for on XXXX you posted {$77.00} what is that amount for Between XX/XX/XXXX You posted numerous {$11.00} charges what are those amounts for since they go back to XXXX and XXXX when you were not in possession of this mortgage Item XXXX XXXX corporate advances increased to XXXX {$16.00} big XXXX to {$65.00} {$77.00} {$80.00} yet the effective date is XXXX you were not in possession of this mortgage at that time tell me what those charges are for going back all the way to XX/XX/XXXX where you posted {$200.00} {$250.00} a {$190.00} a {$170.00} {$120.00} Item XXXX corporate advance {$2200.00} send me an explanation item XXXX effective posted on XXXX {$1400.00} item XXXX posted on XXXX {$1300.00} identify it item XXXX posted XXXX {$1000.00} identify that item identified every item that you posted on XXXX retroactive to XXXX XXXX XXXX Item # XXXX and item XXXX {$840.00} where did you get that money from to post to mortgage payments what's the offsetting debit I want a breakdown of every item that appears in the total amount column on the transaction history starting with item XXXX so on and so forth charges of {$900.00} charges of {$12.00} XXXX XXXX  charges of {$1600.00} charges of {$1100.00} {$1700.00} {$4500.00} be very specific as to what these charges are for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on Friday, XX/XX/2021 I received yet another notification from Freedom debt relief stating they are unable to negotiate a debt because of inaccurate information. 

Freedom Debt Relief has been handling both my dad and my debts for a little over two years now. most of the time they wait till there are funds in the account to negotiate with the creditors. But those debts have been either written off by the original creditor and placed into collections. Now I know the debt collectors have bought the debts from the original credit for pennies on the dollar. I feel they have not kept their end of the deal on several occasions now and act as if they are saving us money but in fact, negotiating with a debt collector instead of the original creditor was not our arrangement. when we contact customer service e are given the runaround and then are contacted by a reputation manager who has verified that were have been misled when they claim they can not do anything without the proper account information. How are we to know what the account information is with the debt collector they are supposed to be on top of those things and after two years we have not gotten anything pertaining to any debts. In my opinion, this is all a breach of contract for the mere fact that when we agreed to let them handle this business we were under the impression that they would handle everything yet when I have previously filed a complaint they try to get us to accept a loan from their sister company to resolve the debts I am not comfortable taking out more loans to pay off these debts when they are supposed to negotiate settlements. That sounds like a nice hustle to me. please advise
Product: Debt collection

Response to complaint ID : XXXX, I have made numerous attempts via mail, email and fax to retrieve documentation from Portfolio Recovery Associates in regards to an account they are currently reporting in my name to the consumer reporting agencies. Portfolio Recovery Associates is a repeat offender for continued illegal debt collection practices and violating the law. The company has ceased communication yet continues to report unsubstantiated debt, collecting without providing required disclosures, and failing to properly investigate to resolve this dispute. The company needs to be held accountable for violating federal and state laws, their agreement to do business fairly, equitably and just. The Consumer Financial Protection Board has been officially put on notice to investigate their continued efforts to cause harm to my financial profile, standing, and other assets. See my attached documentation of reaching out to the dispute department of Portfolio Recovery Associates. I have also attached the promise Portfolio Recovery Associates declares on its website to commit to compliance with federal, state and local laws that govern debt collection as well as its commitment to providing transparency with the required information for debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open : XXXX XXXX Amount : {$1500.00} Accordance with the Fair Credit Reporting Act XXXX  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, credit repair services, or other personal consumer reports

XXXX XXXX fka XXXX has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them
Product: Checking or savings account

In XX/XX/2021, Someone hacked our bank account. The hacker authorized several bank reversals dating back to XX/XX/2021. My husband and I contacted the bank to have the credits reversed back to all merchants except for my landlord, who I made arrangements to pay. The only merchant that did not get paid was XXXX. The money was debited out but not dispersed to the merchant. I called the bank to ask why hadn't they sent the money to them. Whenever I call customer service, I keep getting a run around about my money. I want the {$390.00} and insufficient fund fees debited out of my account credited back. The date this transaction took place was XX/XX/2021. I am a long-time customer of Chase bank, and I will be seeking legal counsel if this is not corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported me for late payment in XXXX of XXXX. This was a surprise to me, because I had not used the card for the previous year. So, somebody had been making fraudulent charges on the account. I reported the fraudulent charges, and was told that they would be removed. Wells Fargo lied. And, they reported me again in XXXX of XXXX. I paid off the account by XXXX of XXXX. Even though the charges were not mine, I wanted to avoid further damage to my credit report. Wells Fargo has never removed the fraudulent charges. Wells Fargo had not sent me statements since XXXX of XXXX. This is the main reason why I stopped using the account. I finally received a statement in XXXX of XXXX, after many contacts with Wells Fargo. My bill was paid at least 5 months BEFORE it was ever received. This was an EARLY payment. Not a LATE payment.
Product: Student loan

I informed the company Navient, that they can not call as per the fair debt collection practices act between the hours of XXXX and XXXX monday-friday due to it negatively effecting my work, having been told numerous times by my employer that they need to stop calling. Now they call 3 or 4 times a day during XXXX and XXXX, and i may soon lose my job due to this, am i able to take legal action as i have notified them not once but twice about the FDCPA and they continue to harrass me?.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian for their failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Experian has not conducted a thorough investigation and has failed to provide adequate evidence to support their conclusions. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings against other credit reporting agencies for similar violations. I request that the CFPB take immediate action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate. 

XX/XX/XXXX - Original creditor : XXXX Account # : XXXX Amount : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX- Original creditor : XXXX XXXX Account # : XXXX Amount : {$3100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Thank you for your attention to this matter. I look forward to your prompt response and action. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY- UNDER THE LAW U.S CODE 1681b-PERMISSIBLE PURPOSE And 15 U.S CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION and 15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TRANSUNION is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TRANSUNION and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Or I will begin civil litigation and charge a {$1000.00} per each violation under 15 U.S Code 1692k - Civil liabilty and 15 U.S Code 1681n - Civil Liabilty for willful noncompliance to the fullest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX, Equifax, and XXXX all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!