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

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
AXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was late with payment to XXXX XXXX ... .Paid it immed after notification And paid the arrears and brought account up to date ... I had a Score of XXXX XXXX reported this and my credit score dropped 90 points ... .This is severe after having a clean record for over 15 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Rocket Mortgage on Friday XX/XX/2022. I had received mailers and wanted to discuss their mortgage products as we were interested in refinancing in XXXX. I was asked if they could pull my credit, and immediately asked if this would be a hard credit check. No was the immediate answer. I was told it was a special mortgage check. Shortly after the call, my credit alert services all notified me that there was a hard credit check performed by RM. I escalated to XXXX XXXX who, after taking almost a full week to look into the situation, called me back and said there was nothing they could do. No explanation was offered, no recourse provided. During the six days I waited for a call back, I received multiple calls from Rocket regarding refinancing products and reiterated my complaint. I asked to further escalate and was told no, XXXX XXXX makes the decisions. RM used a deceptive tactic to pull my credit for a loan that we werent planning on even applying for until several months from now. On the initial call I even admit that I had plans to spend some time working on my credit score and paying down cards because we werent ready to apply yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Account was suddenly closed. Requested information. Was unable to receive or add funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove 9 Hard Inquiries, remove this is not my credit card CAPITAL ONE Reported on XX/XX/XXXX, remove all Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX CAPITAL ONE 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 thank you for all your time and your help on removing these items off my credit report.
Product: Credit reporting

XXXX XXXX This account was closed in XXXX of XXXX. 
1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance - it appears OPEN, Current and as if I am paying as agreed. 
2. It was updated in XXXX, but should not have been possible - because - its closed and has no balance or activity. 
3. Is has Payment History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing 4. Is has Balance History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing b. Have erroneous comments, when this account has been closed for almost a year.
Product: Debt collection

On XX/XX/2018, I received a bill from XXXX XXXX ( Hospital of the University of XXXX ) for {$1100.00} for routine maternity laboratory tests, which should have been covered by my insurance provider, XXXX. 

I appealed this bill with XXXX and informed XXXX XXXX that I was appealing this bill with my insurance provider since it should have been covered under routine maternity care ( XXXX was provided a letter attesting to this by my XXXX doctor ). Even though I informed XXXX internal collections department that the charges were under an appeal process and provided them with a reference number for the appeal, XXXX XXXX sent the bill to collections. 

So I informed the collection company ( Arcadia Recovery Bureau ) in writing that the bill was under an appeal process within 30 days of receiving the bill from them. Arcadia responded stating that I should make the personal payment in full and request my insurance carrier to reimburse me directly. Again, this is a predatory business practice. A separate complaint has been filed against Arcadia Recovery. 

My insurance company XXXX responded to my appeal ( case ID XXXX ; Claim ID # XXXX ) and ultimately determined that I do not have to pay the bill since it was considered part of payment for other services. Despite this, I am being coerced to pay the bill by XXXX XXXX and Arcadia Recovery Bureau.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX : {$180.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received XXXX payments of {$410.00} from XXXX different senders. Both filed for fraud with their banks. I was not notified until today XX/XX/XXXX when I called my bank for an overdraft / insufficient funds notification. I was never notified about a fraud claim against me until today that I called. Due to the XXXX other senders receiving their money alongside everything I had in my Chase Bank account it became overdrawn. They refused to move forward with my case stating there was nothing that could be done. I do not have a XXXX to my name so their suggestion was to borrow money to clear an over draft fee of almost {$600.00} dollars. I spoke to different branch members, claim representatives, and fraud department but none tried to help me in my situation. I went to a physical Chase Bank and asked if they could put a hold on the daily overdraft fees to which they denied.
Product: Mortgage

my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks
Product: Checking or savings account

XX/XX/XXXX, after finishing my on line billing i noticed my savings was low so i checked my statement on line and noticed 2 wire transfers and peoples name that i dont know and numbers on my account i do not make wire transfers ... ... right away me and my husband went to the bank and reported the bank rep called the fraud department to reported and to close that account. After 1 hr of being there he notices another withdrawned being made he did not stop also he check our personal information and our phone numbers were changed to some out of state numbers our numbers were removed claim was put thru after answering all questions from the investigator we received a letter closing my claim stating i gaved permission for the transfers which we explained we did not so we see the manager and she puts in another claim with different department after that investigation came back denied that it shows came from my computer ... ... .at this point no written explanation was given to us about the wrong accused and being investigator thanks so much let me know if u need information from us
Product: Credit card

My PayPal XXXX Account is not reflecting the right balance of {$860.00}. I only used my PayPal XXXX Account for promotional purchases, and the total balance of my remaining promotional purchases is {$860.00}, but somehow PayPal XXXX kept adding up outstanding balance outside of my promotional purchases each month. I tried many times calling PayPal XXXX customer service XXXX to help me resolve this problem, but they didnt have anyone qualified to help me, instead they made the problem worse. On XX/XX/24, when I called to dispute an unauthorised charge of {$35.00} on XX/XX/24 and another unauthorised charge of {$22.00} from last statement on XX/XX/24 since the statement balance was not reflecting the right amount of {$860.00} but showing {$920.00}, I was transferred to their fraud department and a lady called XXXX said she would help me dispute these ( XXXX ) transactions and close my current PayPal Credit account and reopen it again. But today on XX/XX/24 I finally saw my new PayPal XXXX account on my end which has a total balance of {$1800.00} which was far more than my actual balance of {$860.00}, and what the PayPal XXXX team did to my account was to double the wrong total balance of {$920.00} instead of helping me dispute those XXXX transactions I requested on XX/XX/24. They didnt help me dispute the unrecognised charge of {$35.00} on XX/XX/24 and another unrecognised charge of {$22.00} on XX/XX/24, but doubling the wrong total balance of {$920.00} to be {$1800.00}. I called PayPal XXXX on XX/XX/24 trying to have them help me resolve this serious problem and mistake they had caused me, the representative who answered the phone showed no compassion but was impatient towards my situation and even hanged up on me in the middle of our phone call. What PayPal XXXX  did to my account is unacceptable, illegal and a fraudulent act. They must pay for the consequences and the trouble they have caused me. They must pay a fine for disrespecting me as their long term customer, their negligence and illegal and fraudulent actions of adding up unauthorised charges onto my account. I am requesting for my PayPal XXXX  account balance to be adjusted to reflect the right balance of {$860.00} for the only XXXX remaining promotional purchases on my account ( {$370.00}, {$160.00}, {$160.00}, {$160.00} ) since I never use PayPal credit to make any other purchase but only promotional purchases. I must dispute the unauthorised charge of {$22.00} on XX/XX/24 and {$35.00} on XX/XX/24.
Product: Money transfer, virtual currency, or money service

I have filed two claims for a XXXX payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted Wells Fargo and ask that they try to cancel the payment and/or reverse it. I informed Wells Fargo that I was a victim of a scam and fraudulently induced payments through XXXX. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new XXXX Policy that should cover my situation and allow for reimbursement of the {$3000.00} from Wells Fargo. I am sure you are also aware of this secret XXXX policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent Thursday to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of XXXX. 
The new requirements, according to the statement, are being added to " ensure consistency across the XXXX XXXX and improve consumer benefits. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Further, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I received several alerts from the XXXX different credit monitoring services that I use that both show a CITI CBNA credit card with a {$1800.00} limit was opened in my name on XXXX XXXX XXXX. I did not open an account with this company nor have I applied for a credit card. There is also a CBNA XXXX XXXX XXXX hard credit inquiry that was pulled on me on XXXX XXXX XXXX. I did not apply for any credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states, I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 states that a consumer reporting agency can not furnish an account without my written instructions. UNDER 15USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

My husband makes periodic charges on Google Play on behalf of my XXXX daughter. Because Google automatically keeps our credit card information on file, he has to take the extra step of removing our credit card after each purchase. If we could get a history of activity on Google, you would see that he does this every time he purchases something from Google Play on behalf of my daughter. Google keeps this information in their data files. On XX/XX/XXXX, he authorized a charge on Google Play for {$19.00}. He removed the card before he handed the tablet back to her. 

Unbeknownst to him, Google kept the card on file and my daughter accidentally charged {$1500.00} in XXXX charges between XX/XX/XXXX - XX/XX/XXXX. I learned of the charges on XX/XX/XXXX and contacted Google for a refund. They said it didn't qualify since our card was in their system. My husband is very careful about removing the card after each purchase and says it had been removed. 

In order to prove that he removed it, I asked Google for documentation concerning the account activity ( each click and command given ) for XX/XX/XXXX and I was told they could not provide that for me. This is the only way I can prove that my husband had removed the card so I have no recourse in getting these unauthorized charges refunded. 

I understand that Google had to refund millions of dollars in unauthorized charges such as these back in XXXX and I don't understand why they are refusing to refund me now. 

We have disabled all purchase capabilities on Google due to this issue. My complaint is not only that we can't get a refund for charges we did not authorize, but that Google makes it hard to keep from being charged by automatically keeping your credit card on file and ready to be used after any purchase made. They should use it one time only and only store our card information if we expressly say we want it stored. The default should be a one-time use. For all the parents of children who like to make app purchases, this is the only protection we have from unauthorized charges. 

We did all that we knew to do to avoid unauthorized charges and yet, when it happened, Google won't refund us or provide the data needed to show that we removed the card. As of this writing, our credit card company, XXXX XXXX, also won't refund us. They say that Google disputes our claim that these charges were unauthorized so they won't credit the charges either. XXXX XXXX  's fraud services failed us in notifying us of international charges XXXX XXXX is based in XXXX XXXX as I had indicated on our alerts and the fact that a company was charging our card repeatedly -- 20 charges in less than a few hours -- and didn't send me an alert. I feel as both Google and XXXX are not offering the proper protection against the unauthorized charges that I've incurred.
Product: Credit reporting or other personal consumer reports

Totally impossible but always happens Experian working on issues. THIS S A COMPLETE FABRICATION BECAUSE THIS IS A STALL TACTIC LIKE ALL THE OTHERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items on my XXXX, consumer report. They were mailed off on XX/XX/2023, by Certified mail, and was received by agent XXXX XXXX at XXXX. The documents were received on XX/XX/2023. 30 days from the receive date was XX/XX/2023. As of Today, XX/XX/2023, I have not received any response from XXXX, and today marks 35 days. 

Experian-I disputed items on this report, because they have not did anything. They did not remove any old addresses, They did not do any investigations, and provide me with names, and phone numbers, They did not remove inaccurate information. They just put updated for everything,
Product: Debt collection

I have been disputing this account since I first received notice from Convergent Outsourcing. No matter what I request ( validation of the debt, proof of amount, proof they are authorized to collect debt and proof they can collect debts in Rhode Island ) they simply respond with a form letter with a pen mark checking off this debt is valid. They are refusing to offer any supporting documents. 

I am not sure they are authorized to collect this debt. I would also like to see the contract I signed to see whether they are abiding by the terms of said contract
Product: Credit reporting or other personal consumer reports

Credit acceptance corporation has been negatively reporting on my credit report missing payments for a repossessed car. They have been reporting missed payments on my credit report since XXXX. The car was repossessed in XXXX  and they sold it at an auction 30 days later. The company originally sent me a letter stating the difference of approximately {$3000.00}. The outstanding balance on my credit report is currently showing over {$11000.00}. The original price of the vehicle with financing in XXXX  was only {$15000.00}. This is severely hurting my credit and I am trying to get it rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past 3/3/1/2years. This error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.
Product: Credit reporting or other personal consumer reports

Please see the attached full explanation letter. Essentially, I was trying to make my mortgage and XXXX  payments on the last day of the month they were due in. All funds were fully available in my bank account but the bank 's app wouldn't accept the payments and I was therefore reported to the credit bureaus for a XXXXday late payment.