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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} Midland Funding Account # XXXX Bal {$1400.00}
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA In fact I used Paypal as a seller in E-commerce, my account was suspended for 180 days on XX/XX/XXXX, XX/XX/XXXX Paypal is transferred my entire remaining balance with the memo " damages caused by Acceptable Use Policy violation '' of an amount of XXXX. 51 USD I would like to specify that Paypal has allowed to refund some of my disputes instatanement with an additional fee of 14 USD per dispute while all my orders were shipped, and delivered within the delivery time indicated on my website, also that I did not sell or offer any item / content prohibited or/ and under copyright / trademark. 


I have all the purchase of goods as well as the can of delivery of the completeness of the orders to the customer, I tried to contact Paypal US to have information and after several exchange by mails with them by asking them the reason of the withdrawal of my balance would be that I violated their policy ( AUP ). 


I am a small business that is just starting out and for me the amount " stolen '' by Paypal represents the entirety of my business and without it, I would be in personal and professional bankruptcy. 


I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA I enclose screenshots of my paypal account and the exchange with them, my company documents and I leave you my email and my phone number to be contacted if any additional information or document is needed, I await your return. 


I wish you an excellent day, and thank you for taking the time to read me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX  XXXX, theyve been emailing me multiple times and days trying to collect a debt of XXXX with Klarna.
Product: Credit reporting or other personal consumer reports

I sent Equifax a letter to dispute a bankruptcy on my credit report and they said they verified the item with the court and XXXX. I contacted the court and XXXX, The court letter is enclosed ( I contacted Equifax today and spoke to XXXX XX/XX/year>24 and he said that this court letter is not enough ) I contacted XXXX and they dont have a record on that bankruptcy, and Equifax told me they got the information from XXXX XXXX
Product: Mortgage

Had my financial advisor mail a check for over {$35000.00} to my servicer on XX/XX/XXXX. They stamped the back of the check on XX/XX/XXXX. I called twice and spoke to a supervisor once, who told me they needed all my evidence, despite three check having already cleared with XXXX XXXX ( LoanCare , LLC ). At this time, the principal-only payment has not been applied to my loan.
Product: Money transfer, virtual currency, or money service

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

XXXX has been attempting to collect {$330.00} from XXXX that I dont owe them. Ive reached out XXXX about this bill and they said they would remove it as my responsibility and remove it from my credit report. Since then, XXXX has put the {$330.00} with several collection agencies which was put on my credit report each time. 
Since XXXX I have disputed the {$330.00} placed on my credit 4 times by 4 separate collection agencies. Each time I dispute the collection it has been removed, only to be placed on my credit by another collection agency. Its presently once more placed on my credit report on XX/XX/XXXX by Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX for {$330.00} Original Creditor XXXX. 
This collection has taken off XXXX  points off my FICO score in a time when I need my good credit to get a loan due to the current Coronvarius pandemic impacting my livelihood. It seems I dispute this collection, only to have it be placed on my credit by another collection agency XXXX hires. 
Im asking that it be permanently removed from my credit report.
Product: Student loan

XX/XX/XXXX - Applied for PSLF because I started working for a XXXX XXXX and noticed that I now qualify for this as long as I remain at a XXXX  for 10 years ( 120 consecutive payments ) XX/XX/XXXX - spoke with a representative about my options with repayment that was going to come up in XX/XX/XXXX, once my forbearance was over. I was informed that my monthly payment could be roughly {$620.00} a month because of my family size and our income. NOT taking into account of our other obligations, medical expenses because my husband has XXXX XXXX, household expenses ( mortgage / electricity / oil ... etc. ) credit card and other student loan and personal debit XX/XX/XXXX - recertified my income based repayment schedule family of three, found out I was XXXX with XXXX, also help support my parents who are now approaching their XXXX because they help watch my daughter during the day while I am working XX/XX/XXXX - payments began in the amount of {$420.00} a month. This is the lowest that they could have done for payments for our family and income. They did not consider the fact that I have private loans with XXXX and a house and medical life expenses. 

I began making monthly payments since XX/XX/XXXX, trying to break it up into two to three payments within the monthly period. This is nothing but a stressful struggle. I reached out asking if there was anything else that could be done to lower this a little more, but did not get anywhere. 

Tried to consolidate and reduce my monthly payment for the two student loan lenders combined and was denied because of debt to income and the little amount we have available in our savings. 

I have asked numerous times if we could get the payment down to around {$300.00} a month, a little more reasonable living in CT and paying such high taxes, but no one is willing to cooperate with me.
Product: Mortgage

I was approved from rocket mortgage for a home loan after finding my home relocating from XXXX XXXX to Colorado during closing on home .the lender then tells me after review if his notes i don't meet loan requirements.this all after signing co tracts having me move from XXXX XXXX XXXX Colorado and assuring me of the closing on this house closed the loan on me 10 days prior to my move in
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXXXXXX XXXX  Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX  Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try and pay all my bills on time. I need to refinance my house, but on my credit is a joint credit card that has late payments on it and has been lowering my credit score since XXXX of this year. In XXXX, my fianc accepted a preapproved credit card from Chase Bank and added me as an authorized user without my permission. According to her credit card statement, nothing had been charged to the card since XXXX of XXXX and the balance should have been $ XXXX $ XXXX {$3300.00}. The balance is now {$5300.00}. She had automatic payments withdrawn for over a year, until they started adding an addition XXXX XXXX/month of interest in XXXX of XXXX. After that, my wife had a baby and was out of work for three months. She kept paying until XXXX, but then could no longer afford the extra $ 100/month interest. After that, they also added $ XXXX/month late fees. I met with my lawyer this week and he said for her to call them and have them remove me. Chase Bank told her she had to make a payment of {$1400.00} in order to remove me. Which she clearly doesn't have. She called again today, and after being transferred all over the place for nearly an hour, she eventually talked to someone who could help her. She offered to make a payment of {$200.00} if they would remove my name. They finally agreed that they would remove my name if she made a direct payment from her bank account of {$250.00}. However, as soon as she made the payment, they still refused to take my name off the card.
Product: Mortgage

I applied for a mortgage with VeteransUnited XX/XX/XXXX. I provided them with all pertinent information regarding employment etc. They advised me that I was approved for a mortgage loan and provided me with a pre-approval letter. I then found a home and made an offer. During this process I kept in contact with the lender to ensure that there were not going to be any unforseen hurdles. I was continually assured that there were none and that everything was on track. The lender ordered the title work for the property and I had an inspection done on the home. We were set to close XX/XX/XXXX and I had locked the interest rate for the loan. One week prior to close, I received a letter from the lender stating that they were unable to approve my application at this time. Upon contacting VeteransUnited, I was informed that because I did not have 12 continuous months of employment that I did not qualify for a VA loan. I explained to them that the layoff was seasonal and occured every year and that I had contacted the VA who advised that a seasonal layoff is irrelevant regarding obtaining a VA guaranteed loan. I told them that I had paid for the home inspection and had expended a lot of time and energy, not to mention money in faxing them documents and the inspection fee, to which their response was that maybe XX/XX/XXXX of XX/XX/XXXX. However, with another seasonal layoff with that employer inevitable, it is hard to imagine how they would overlook the continuous 12 month employment issue. It was also pointed out that there are several statements on their website regarding employment which boiled down to that all they require is income to satisfy the mortgage payment and normal living expenses.
Product: Checking or savings account

I received a sum of money ( {$4300.00} ) on my account, right before cashing it out, my financial institution closed up my account, I complained and mailed but no help and Im seriously i need of funds These all happened on Monday XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The remaining balance on my student loans ( roughly 36,000 in XXXX ) was discharged in XXXX due to XXXX  XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and FH Cann were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.
Product: Debt collection

company was sent copy of idenity theft report as well as police report, company failed to remove the debt, failed to provide proof of debt signature picture id and location debt was obtained
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX deliberate furnished erroneous and inaccurate information on my credit report on my credit report. After many complaints against this same issue, these 3 mayor credit reporting agency continue with the inaccurate reported account on my credit report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something
Product: Credit card or prepaid card

I have a CareCredit card obtained in XX/XX/XXXX to pay for vet bills associated with the death of my XXXX Animal. Today, XXXX XX/XX/XXXX, Synchrony Bank ( issuer ) contacted by me by phone and requested three months payment ( nearly {$200.00} ). I have been using their app, at their insistance, to make payments. The app failing to process payments has been a repeated issue. I informed Synchrony of these issues in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Synchrony advised they have no record of such reports and there is no note about such on my account. I have previously requested paper statements and Synchrony has refused, insisting I use the app. Synchrony acknowledged last verbal contanct was XX/XX/XXXX, but denies any notation regarding problems with the app or requests for paper statements. Prior to this call I had no notice that anything was amiss. I requested a supervisor not less than 8 times during this call before I was transferred to someone who was not a supervisor. I advised both representatives that I would be filing a complaint. I have not made payment on this request and consider it to be in dispute ; I do not have a valid snail mail address for either CareCredit or Synchony and all contact has been electronic or telephonic. 

Attached screenshot of incomming call log showing today 's call as well as calls in XX/XX/XXXX and XX/XX/XXXX. I called them ( outgoing ) XX/XX/XXXX.