23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between yesterday and today (XX/XX/XXXX-XX/XX/XXXX ), I tried to get my TransUnion credit report from XXXX four separate times. However, TransUnion 's end of the web site is broken and presented the same system error each of the four times. These attempts were made in different browsers, on different computers, and from different networks. Attached to this complaint is a PDF of the error message that resulted from my most recent attempt to retrieve my credit report today. It is clear that TransUnion 's part of the XXXX  request web site is broken and has been broken for days ( if not longer ) in violation of multiple provisions of 12 CFR part 1022.136.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account in XX/XX/2019 its reporting that the grantor closed it and they are reporting missed payments which isnt true
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an alert from PayPal claiming that I sent {$90.00} to someone by the name of " XXXX XXXX '', which I clearly did not make this transaction. I went to go file a dispute on the transaction that it was unauthorized. PayPal refused to reimburse me and dismissed my claim. This is abysmal customer service for PayPal to not reimburse a consumer for a transaction that is clearly unauthorized. I am a consumer whom should not have to face being robbed of my hard-earned money.
Product: Credit card

On XX/XX/year>, I prepaid for a hotel through XXXX XXXX  app at the XXXX XXXX XXXX - XXXX. The stay was for XX/XX/year> through XX/XX/year>. I confirmed through XXXX that this prepaid hotel would be {$420.00}, in which XXXX would collect {$240.00} and the Hotel would collect {$180.00}. I paid XXXX with a XXXX card. I tried to pay the Hotel with the same XXXX card but it would not work. I gave the Hotel my Discover card information for the {$230.00} week+ before staying. The Hotel wanted the card on file in case of room damages ( which there was none after leaving ). The Hotel does not have any onsite staff during our entire stay. Days after checking out, I noticed I was charged {$230.00} instead of {$180.00} by the Hotel. I never agreed to pay the {$42.00} difference. The Hotel refused to refund the {$42.00} after I inquired multiple times through XXXX. Discover has refused several times to remove the {$42.00} stolen money as well. See attached email.
Product: Debt collection

On XX/XX/XXXX I received a call from an XXXX number, it was a recording. They told me that I had a collection with them for " they gave the exact amount '' approximately XXXX. They wanted me to pay {$50.00} for XXXX months then get reevaluated. When I asked for proof of bill, etc they said it's in policy but wouldn't give me any proof. I want to see the bill and prove that it was me.
Product: Checking or savings account

They draw my money from my account and I called and I did small claim but the representative from Wells Fargo want to negotiate with mi with half of my money she told me they didn't have any pictures of drawing the money and she agreed.. but as a wells fargo employee they have to negotiate with half.. I decided to see the judge and he told me it took me too long to do the small claim I took to the court the bank statement that I didn't open because I thought the money was save in the bank I didn't even have a alerts activated to my account... the weird thing on this is my limit during the day was XXXX XXXX.. why this people was able to draw more them a XXXX dollars per day??? Total amount they owe me is XXXX dolares. I really appreciate if the call me XXXX
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXXXXXX XXXX XXXXXXXX {$5900.00} XXXXXXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX {$260.00}
Product: Checking or savings account

USAA closed my bank account for being over drafted XXXX dollars on XX/XX/22 and on XX/XX/22 the state of Maryland deposited my refund check in the amount of XXXX. They sent me a check for {$860.00} and they will not give me the rest of the money. At first they said they would send it and that it would take XXXX business days but as of Monday they are now saying that they never got a check from the state of md even though I provided evidence and confirmed account and routing numbers. They owe me around XXXX and I need that money it caused me to be late on bills etc.
Product: Debt collection

My wallet was stolen summer of 2018 with my identification card, social security card and debit cards. I recently took interest in my credit, because I found out how important it is for your credit score, and your credit to be good in order to buy a house and I notice all types of collections on my account that I have no knowledge of after reviewing my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Investigation was ignored unresolved. 
Accounts DONT belong on my consumer report. 
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit profile, I noticed a couple of unfamiliar inquiries on the report. After trying to dispute the inquiries with the company ( XXXX ) I was asked to file an identity theft claim to proceed any further in which I did and later showed proof of the report to the company and was sadly given no update nor proper help with the issue.
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. 

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: Debt collection

What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill.
Product: Credit reporting or other personal consumer reports

Please investigate these inquiries as they were inserted on my credit report without my authorization. I called Transunion to ask why my credit was pulled without my authorization and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again
Product: Mortgage

We tried to buy a duplex in 2019, this mortgage lender promised us they can close the loan in 15 days and they had a loan we were already approved for. They charged us {$970.00} for the appraisal and continued to ask for more documents such as pay stubs, forms to be signed, etc. The loan was denied. The 15 days turned into months when finally we said that's it. We were promised a refund for the appraisal in XX/XX/2019. I checked with the broker on the status of the check in XX/XX/2019 which informed me it had already been mailed. I still have not received the refund and the lender will not return any of my calls or texts. I was speaking to a specific mortgage broker and he promised all of this. His name is XXXX XXXX MLS # XXXX ( XXXX ) XXXX and now works for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my TransUnion Equifax Experian credit report on 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my SSN to obtain alleged lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account credit one that is showing on my credit and I never opened it. Found out about it thru running my credit report
Product: Credit reporting or other personal consumer reports

Back in XXXX i reached out to all 3 credit bureaus in regards to 2 frau accounts that do not belong on my files. They are a result from identity theft/fraud. per 15 usc 1681b you all are breaking the law. I did not authorize anyone to furnish this information, let alone FALSE INFORMATION AT THAT! This matter must be resolved properly and quickly because they are hindering me from getting my home. I should not have to suffer for accounts that do not belong to me and accounts that i did nit personally authorize myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this with Prestige financial Services indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX XXXX and XXXX. It is reporting that the account was included in a XXXX XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!
Product: Payday loan, title loan, personal loan, or advance loan

Please see my information letter with all dates and information on the attached document. On the attached I have included the cover sheet of the Paid in Full letter I received along with first page of the Paid in Full document- Sofi Personal Loan Truth In Lending Act Disclosure. If you need the complete XXXX document I will be glad to scan it in. 

Thanks,
Product: Debt collection

I transferred a XXXX phone line to another individual a few years ago. I was told on a recorded line that the bill had to be paid in full before I could transfer. A few hours later the person whom I was transferring the line to paid the bill and we went ahead with the transfer. Now XXXX is saying that I owe them {$360.00} ( XXXX XXXX ). I should not be charged anything I did what I needed to do on my behalf. The transfer should not have been completed if there was still a balance. I have tried to dispute this a few times.
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against Equifax for failing to properly investigate disputes and remove inaccurate information from my credit report, in violation of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 

I have sent multiple letters to XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX disputing errors on my credit report, but despite following the required dispute process under the Fair Credit Reporting Act, Equifax has failed to properly investigate the issues and update or correct my credit report. 

In some cases, the inaccurate information has been reinserted after being disputed. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for DATA BREACHES and failure to address errors on consumers ' credit reports. 

The CFPB 's lawsuit alleges that Equifax practices threaten consumers access to credit, employment, and housing. This situation closely mirrors my experience, I'm homeless right now because no housing will accept me, and I feel that Equifax failure to act in compliance with federal law has negatively impacted my credit and financial well-being. i honestly feel like killing myself because they don't comply with federal law there not fair and they damage my character. 

THIS COMPANY IS UPDATING CLOSED ACCOUNTS EVERY MONTH THEY UPDATE THESE ACCOUNTS TO BACK UP THE STATUE OF LIMITATION DATE SO THEY DONT HAVE TO REMOVE THE ACCOUNTS THEY REFUSE TO REMOVE ACCOUNTS THAT PAST THE STATE STATUE OF LIMITATIONS AND ACCOUNTS THAT ARE NOT COMPLIENT I request that the CFPB assist me in resolving this issue by ensuring XXXX properly investigates my disputes, removes any inaccurate or outdated information, and complies with all provisions of the Fair Credit Reporting Act.
Product: Mortgage

Summary of the Problem PHH Mortgage Services has engaged in practices that violate XXXX XXXX XXXXXXXX XXXX, federal laws, and VA-backed loan requirements. Specifically, PHH has : XXXX. Mismanaged Loss Mitigation Applications : Repeatedly requested documentation already submitted, causing delays in processing and increasing financial hardship. 


XXXX. Issued Misleading Default Notices : Sent threatening foreclosure notices without providing clear or accurate information about alternatives, such as repayment plans or forbearance options. 


XXXX. Imposed Unauthorized Fees : Charged excessive fees, including returned payment fees and automatic payment adjustments, without borrower consent or adequate notice. 


XXXX. Denied Hardship Applications Without Explanation : Arbitrarily rejected requests for loan modifications, citing vague reasons such as " failure to meet investor guidelines. '' XXXX. Failed to Exhaust Foreclosure Prevention Options : Pressured borrowers to accept modifications or face foreclosure, even when existing agreements like forbearance plans were still in effect. 



These practices have caused financial strain, delayed access to relief options, and increased the risk of foreclosure, violating borrower rights under XXXX XXXX, VA, and federal regulations. 


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

The credit bureaus continue to report inaccurate information on my consumer report even after I told them the information was unauthorized and let them know i was a victim of identify theft. I have complained to the creditors regarding this matter as well and they informed they let the bureaus know that the inquires on my consumer report are unauthorized but the bureaus assert that they are verified. How can the bureaus verify something that has been deemed unauthorized. I do not believe a through investigation was done. These unauthorized inquires are stopping me from obtaining credit in my name and destroying my reputation as a consumer. 

15 U.S. Code 1681 b - Permissible purposes of consumer reports ( A ) In General Subject to subsection ( c ), any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In my first letter to your company, I advised you that I did not give these companies authorization to pull my credit report, but yet you have verified it. How is it possible for you to verify something that I did not approve? Did you call them up and asked if I gave them permission?
Product: Credit reporting or other personal consumer reports

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX  for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Sent Transunion XXXX XXXX  a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX Sent XXXX a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX REF # XXXX It has been 30 days and I have not been notified of the status of the validation.
Product: Mortgage

Me and my attorneys have contacted Novad Consulting for a copy of my payoff statement since XX/XX/XXXX. It is now XX/XX/XXXX. I have had the case escalated by multiple managers and they continuously tell me to wait. Two months later my buyers are about to drop out of my home purchase because we cant provide a statement to close. Extremely unprofessional and Im disgusted by the way Im treated when I call! I need my statement! They always say they cant do anything! They need to be shut down!