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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XXXX XXXX, 2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all 3 credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the repeated inaccurate reporting of an account from XXXX XXXX Bank XXXX Account # XXXX ) on my credit report. Despite disputing this information twice, Experian has returned the results as verified without providing sufficient evidence to validate the accuracy of the reported information. This raises concerns about your compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ), which requires you to conduct a reasonable investigation of disputed information. 

The following inaccuracies remain unresolved : 1. Payment Status Discrepancy : Experian lists the payment status as Charge-off with a last reported date of XX/XX/XXXX. This conflicts with other reporting records. I request proof of validation from the original creditor to support this information. 
2. Date of Last Payment : Experian lists the date of last payment as XX/XX/XXXX. However, this date appears inconsistent with my account records. Please provide documentation from the creditor confirming this information. 
3. Date of Last Activity : Experian reports the date of last activity as XX/XX/XXXX. This differs from other reporting records and raises questions about the accuracy of your investigation. 
4. Payment History : Experian reports 90, 60, and 30-day late payments in XXXX. I demand verification from the creditor to confirm the accuracy of these late payment notations. 
5. High Credit and Credit Limit : Experian lists the credit limit as {$2500.00}, while other bureaus report {$2400.00}. Please verify this with the original creditor. 
6. Past Due Balance : Experian lists a past due balance of {$2400.00}. I request proof of validation from the original creditor to ensure this amount is accurate and valid.
Product: Credit reporting or other personal consumer reports

I have reached out to this company multiple times requesting validation of this debt by mail. The company never responded in providing me this information. I also have disputed this as well with the credit bureaus and requested for removal due to this debt not being mine and no response from the company.
Product: Checking or savings account

Alliant credit union courtesy pay service is not EQUAL to all members due to XXXX bank employees intentionally causing harm and discriminatory practices against some members like me. Their policy is not applied to all equally. I elected program because bank offered and every time I paid negative balance including fees. Suddenly alliant credit union management stated you are not eligible for courtesy pay until XX/XX/23 which is unlawful and outrageous including discriminatory because they didnt punish other bank members, bank shields some members while they intentionally discriminate against me. I did nothing wrong, bank courtesy pay policy is misleading, defraud to members & false promises. Bank accused me of violations of their policy but the fact of the matter is bank actually violated the same policy. All I am asking is that bank must be investigated and its policies and those policies applied equally to each person that has active accounts. I am damaged because I believed my transactions were being paid but I learned they were denied so how is it legal for bank to claim false and misleading promises, its beyond outrageous and unfair including potentially federal laws being violated by the bank. They ruined my life
Product: Credit card

I have a XXXX XXXX with Banco Popular XXXX XXXX XXXX. My husband has an account with them, and I have an account with XXXX. We both registered with Banco Popular to make payments on our card. For years, we logged on and made payments. Last month our payment was due, and we had no way of making the payments. My husband XXXX XXXX XXXX, so paying over the phone is not available to him. I do not want to pay over the phone because there is an additional fee, and I am a XXXX XXXX XXXX veteran. Banco Popular has the worst bank setup in the entire United States. I tried and tried to reestablish my payment method to no avail. I called the bank and was told that it was set up. I logged on to pay, and it is still an issue with making a payment. Then they are going to send our name to the credit bureau for payment being late. Even to add payment for my husband who has an account with them is impossible. Sickening and unacceptable. I could never do any account business with this bank. How do you have an account to make payment setup, then all of a sudden you do not have payment set up? and there is no explanation. I would like to get my payment method set up, and they better not report me as being late.
Product: Checking or savings account

IN XX/XX/XXXX i WAS SUPPOSED TO RECIEVE THE AMOUNT OF XXXX FROM XXXX XXXX XXXX XXXX A CUSTOMER OF WELLS FARGO BANK AND IT WAS A AGREEMENT AMOUNT PER OUR CONTRACT. XXXX XXXX XXXX KEPT PROMISING TO PAY THE AMOUNT SINCE XXXX OF 2017 AND WROTE TWO CHECKS THAT BECAME NON SUFFICIENT FUNDS TO SETTLE THE AGREEMENT. 
HE STATED THAT HE WOULD GIVE ME MORE DUE TO THE FACT THAT HE WAS LATE IN PAYING THE AGREEMENT. I ATTMEPTED TO CASH THE CHECK AGAIN WITH WELLS FARGO AND REPORT IT TO WELLS FARGO BANK AND THEY DO NOT HAVE A BAD CHECK RESOLUTION DEPARTMENT AND THAT I CAN NOT ATTEMPT TO CASH THE CHECK ANY LONGER AND THAT I HAVE TO CONTACT THE PERSON WHO GAVE ME THE CHECKS. I DEPOSITED ONE OF THE CHECK INTO MY BANK ACCOUNT XXXX  XXXX XXXX AND IT CAME BACK NON SUFFICIENT FUNDS. 
THIS AGREEMENT BETWEEN XXXX XXXX AND I WAS TO DO A FINANCIAL INVESTMENT WHICH NEVER OCCURRED AND HE ALSO, WROTE BAD CHECKS TO MY FRIENDS IN MORE AMOUNTS AND THEY TO WERE NON SUFFICIENT CHECKS. THE POINT IS THAT WELLS FARGO WILL NOT INVESTIGATE THIS MATTER AND ITS THEIR CUSTOMER AND THEY LET XXXX XXXX CONTINUE TO HAVE A CHECKING ACCOUNT AND WRITE BAD CHECKS AND NOT CLOSE THE ACCOUNT TO SUSPEND HIS PRIVILEGES. I DID REPORT IT TO THE XXXX XXXX XXXX POLICE DEPARTMENT BOTH INCIDENTS BECAUSE WELLS FARGO WILL NOT TAKE ACTION. THIS OCCURED IN XXXX XXXX XXXX FLORIDA WERE XXXX XXXX LIVES AND DOES BUSINESS WITH THE WELLS FARGO BANK ON XXXX XXXX AND XXXX XXXX. 
THATS MY COMPLAINT.
Product: Mortgage

Last year in the middle of XXXX my mortgage was sold to BSI Financial Services. At that time I was under a XXXX XXXX. In XX/XX/XXXX, the plan was extended for an additional 6 months. I was told at the time of the extension that I would need to apply for a home modification in XX/XX/XXXX, because it can be a lengthy process and in order to ensure that the loan did not show negatively on my credit report if I was unable to pay all of the rescheduled payments. Unfortunately for me, that was the last successful conversation that I have experienced regarding my Mortgage Loan. I started calling XX/XX/XXXX to initiate the start of my Home Modification paperwork ( Repayment Plan ). I left several messages between that time and XX/XX/XXXX on the voicemail of XXXX XXXX. This is unusual, because XXXX XXXX always seemed to return my calls in a descent amount of time, if not the same day. Eventually, I started to call in XXXX and requested to speak with someone else, because I was repeatedly told that XXXX XXXX was not available. I would get transferred every time to a different area or another number for the Loss Mitigation department. I have called nearly every week and sometimes a few times in those weeks. I continued to receive communication by mail stating that I was behind on my payments and that a payment would be due soon. I made my first payment in XXXX even without communication from the Loss and Mitigation department. As of today, XX/XX/XXXX that check has still not been cashed. For my XXXX payment I made a payment over the phone and it has been taken out of my account. Most recently, I received a letter in the mail stating that if I do not make the full payment in XX/XX/XXXX that my house would go into Foreclosure. I still have not spoken to anyone. About XXXX weeks ago, I spoke to XXXX XXXX. He stated that the person that was listed as my new contact person was unavailable and that he would email me and mail me a copy of the home modification application. The email that was sent did not work. The " Click Here '' link was a deadline link and would not allow me to move forward. Last week I received to copies of the application in the mail, along with the letter regarding a possible foreclosure. Since then, I have mailed the completed paperwork and necessary documentation for the process on yesterday, XX/XX/XXXX with a request to deliver with a signature and return receipt. This company has not been helpful nor easy to work with. I am not trying to lose my home or avoid payment. However, it is hard to continue a healthy relationship with a company who does not communicate with you or assist you with doing so. My mortgage has been sold several times since my initial purchase nearly 5 years ago, but this is by far the worse experience of all of those sales, Please help me with getting to a healthy resolution for myself and my family.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 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, credit repair services, or other personal consumer reports

I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. 

Several attempts to verify and dispute fraudulent information on my credit report have been unsuccessful. The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer The items in question are as follows : ACCOUNTS 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 IL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXI refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, we have received credit alerts and mail ( via USPS ) indicating that Equifax has again reduced our credit rating by almost 200 points as a result of a report from XXXX XXXX XXXX. The report, if truly filed by XXXX, is not true. Also, we can not resolve the dispute with Equifax as their document upload function is not working and we can not get a response via their phone number given on the letter. 
I am attaching the letter from Equifax, a snapshot of the XXXX  XXXX XXXX account page showing the car loan was completely paid off ( and paid off early ) in XX/XX/XXXX, refunded to XXXX  XXXX XXXX in early XXXX, disputed with XXXX and XXXX  XXXX XXXX for weeks, and finally resolved with another payment from us in XX/XX/XXXX. We filed complaints with both XXXX and XXXX  XXXX XXXX, and wtih the CFPB, about their behavior in the original payoff nightmare. NOW, we are filing a complaint against Equifax for, once again, reducing our credit score for a false report, whether it originated at XXXX or not, we can not determine.
Product: Credit reporting or other personal consumer reports

I dont recognize this inquieres XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion
Product: Debt collection

I am attempting to obtain a mortgage. My credit is less than perfect due to medical collections on my credit report. I called Smith Rouchon & Associates ( SRA ) on Wednesday, XX/XX/XXXX to pay a medical debt of {$740.00}. I was notified I had other collections with them, one of which was {$4.00}. One debt of {$900.00}, I was already aware of because it was on my credit report. While attempting to obtain a mortgage, the mortgage company used a credit advisor to direct me as to which debt to remove immediately to increase my score. So my plan was to pay the ones they advised me to pay immediately, and work out a settlement for the rest. When I paid the XXXX debt in full, I asked for an accounting of the debts so I can get started on them. This email was sent to me. I called and asked for a receipt that showed that the XXXX debt was paid with a XXXX balance and to receive the accounting separately so that this debt can be updated and removed from my credit. XXXX XXXX XXXX at SRA said she would get with a " carrier '' to send it. I've made this request 3 times and each time I keep receiving a receipt with remaining balances to the other debts. XXXX XXXX XXXX told me that the other reports will show up on my credit report even though this one is paid. This is a false statement because a debt of {$4.00} can not show up on credit reports and I have several copies of my own credit report. Even if this was true, paying off debts will still increase my credit score. I advised XXXX XXXX that these debts are to removed immediately and I do not have time to wait 30 days which is why I need a receipt. I waited overnight and received yet again, the same copy. Today, XXXX XXXX again, told me the debts will show up on my credit report and she wil " try to separate them '' to get a XXXX balance. She stated the company I'm working with is trying to keep the other debts from showing up on my credit report by asking for this type of receipt. I took offense to that because this is not attempt to cover up anything, but to remove now PAID debts from my credit report. I told her I was working with a lender to remove the debts to increase my score as I stated before and reminded her I asked for the itemization so I could pay them. I haven't even received notification that the debts were even with SRA to begin with. XXXX XXXX said the debts are " tied to my social '' so it's difficult to send a separate receipt. I told her the lenders are different, and this has held me up because each time I ask for a receipt I have to wait a whole day for a piece of paper. XXXX XXXX and SRA has made it easy to pay debts, but difficult for clients to receive relief by paying them. It shouldn't be this difficult to get a medical debt removed from my credit after it has been paid.
Product: Money transfer, virtual currency, or money service

There are unauthorized transaction on my Paypal account and I reported to Paypal immediately. However, Paypal decided that I am responsible for the charges and has been sending me text/email/calls to collect the money. 

Between XX/XX/XXXX around XXXX to XX/XX/XXXX XXXX, there were multiple inbound and outbound transactions on my account -- - Inbound transaction : XXXX. {$180.00} USD XXXX. {$99.00} USD XXXX. {$280.00} USD Outbound transaction : XXXX. {$270.00} USD XXXX. {$280.00} USD I immediately changed my password and filled a claim with Paypal by XX/XX/XXXX XXXX. When I logged into my account, I found an unrecognizable phone on my account which was added right before those unauthorized transactions. But I only received an email from Paypal that a new phone number was added. Paypal did not ask for any verification to allow a phone number to be added. 

During normal business hours on XX/XX/XXXX, I called Paypal to report this and asked them to look into where the transactions were initiated. I was told that the login was from out of XXXX in another country. I told them that I have been in XXXX the whole time and that was not me. 

A few weeks later, Paypal took money from my account to refund the inbound transactions. But they did not get my money back from the outbound transactions. I called Paypal and was told that Paypal ruled against me so I am responsible for those transactions. I explained to the representative about what happened and she agreed to help me appeal the ruling. However, I kept get text/emails/calls saying that I own PayPal money and they are collecting them.

I am very disappointed at Paypal 's service. First, they failed to detect an fraudulent login from outside of XXXX. Second, they did not get my approval to add a new phone to my account. Third, they refused to protect a customer from unauthorized transactions despite the fact that I reported the incidence immediately with a few hours of the transaction and called in a couple time as well. I called again last week and was disconnected by their associate. 

I hope CFPB would help me to ask Paypal do the right thing by their customer.
Product: Debt collection

Ad astra has send a copy of a contract that I have with XXXX XXXX. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that Ad astra provide an agreement with XXXX XXXX that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.