23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to an unauthorized inquiry on my credit report under my social security number with XXXX, a division of CoreLogic, namely " XXXX   XXXX  XXXX  '' has failed to provide information authorizing them to conduct an inquiry without my authorization. When they failed to provide evidence of me authorizing them to run an inquiry on my credit report, I filed a complaint with CFPB, in response to that complaint ( XXXX ) they provided inaccurate information with no proof of authorization allowing them to run an inquiry on my credit report. Subsequently, I filed a second complained ( XXXX ) which they responded once again with insufficient information in order to correct their initial response and indicating the final response was mailed to me on XX/XX/2020, which they also recanted via voice mail to be ignored as it was an incorrect response. In conclusion, I have not yet received sufficient information and documents bearing my signature authorizing them to conduct an inquiry into my credit report with XXXX  and in their response letter the blame their client " XXXX XXXX XXXX '' for ordering this inquiry and they are referring me to a third party which I am not involved with or have knowledge of. 
XXXX XXXX XXXX, a division of CoreLogic is the information provider and obligated to provide me proof even though they may have been hired by their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters of dispute in which validation of this debt was requested. The only thing that was returned to me was copies of statements from XXXX with an address where I have never lives. The FCRA guidelines have not been followed. This debt was originally disputed with XXXX but was sold to a collections agency without resolution.
Product: Mortgage

In XX/XX/XXXX, XXXX migrated my mortgage to SPS ( Select Portfolio Servicing XXXX ). I sent SPS the XX/XX/XXXXmortgage payment from my bank account bill pay on XX/XX/XXXX. On XXXX I discovered SPS automatically withdrew the same amount, {$4900.00}, on XX/XX/XXXX. I called SPS on XXXX to ask to cancel any auto withdrawals and to credit back the {$4900.00}. 18 calls later ( XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) and more than 60 days later I still hear the same thing from a supervisor that " it is in process ''. I've also called their Ombudsman line XXXX but have the impression after speaking with XXXX that they take a passive stance and will notify me - same thing I hear when talking to a rep or supervisor.
Product: Credit card or prepaid card

I called US Bank because they negatively reported this account to the credit bureaus without my knowledge that the account was missing payments. They were sending my statements to a different address so I never received proper notification. I also was experiencing a hardship due to COVID-19. I called US Bank about the credit reporting issue and made a payment to bring the account current. I was told by a manager that they couldnt do anything about the credit reporting. I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when I wasnt contacted about the status of the account.
Product: Credit reporting or other personal consumer reports

Employer information was shared to other companies without my consent or without my knowing.
Product: Credit reporting or other personal consumer reports

I had a file a dispute with TransUnion, I was told they would do an investigation and they would fix the errors on my credit report. I told them undermm 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, my violated my rights has been violated. They told my that they said The disputed item was verified as accurate. I told them its not accurate at all I never got any via mail to proof that this was my debt they said I had to file other dispute these creditor are putting stuff on my credit report without sending me someone via mail this is against the law
Product: Money transfer, virtual currency, or money service

My social and my mail to my mama house and been coming and I have a ftc check is supposed to be coming
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX ACCT # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Product: Checking or savings account

XX/XX/23 a company named Zelle hacked my account and took {$3000.00}. I contacted Zelle who said they wouldn't help. I contacted my bank and it was reported as fraud. 
XXXX XXXX  will not reimburse even though it's fraud because they lose money. This was not a scam. My bank can see the withdrawals. I want everyone know about fraud reporting and how it does not help to get what back what was taken from you
Product: Credit reporting or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Credit card or prepaid card

I have a US Bank Reliacard for my unemployment benefits. Its been fine up until last week, my card is suddenly blocked. After calling multiple times and being hanged up on, I was able to reach a rep who informed me that the card was blocked and I needed to verify my ID. I went to the provided link XXXX verify.usbank.com/id ) and submitted my info, but I have yet to get my card unlocked. 

Its been a week, all of my money is on the card. I can't pay rent, I cant get food to eat, I need to solve this already. I deeply regret trusting that I could use the Reliacard for my unemployment. Its been an unmitigated disaster, its so shameful being unable to pay for my items at the store when my card suddenly kept declining. Theres XXXX in my account, thats my money and US Bank has no right to just suddenly cut me off. 

I need my account unlocked. And as soon as I can, I'm removing the funds and having my unemployment deposited with any other bank account. This is atrocious, I've complained onXX/XX/XXXX, called dozens of times. I've submitted my forms of ID as requested, and everyone keeps placing the blame and tell me they'll contact me. 

Tell that to my landlord, who needs the rent. I am borrowing money just to eat - I shouldn't have to do this. This is ridiculous, its uncalled for and I need the money which is rightfully mine. US Bank has no right to withold my funds for no reason.
Product: Credit reporting or other personal consumer reports

I did not recognize any of the following inquiries and did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XXXX 2017 I deposited a money order for {$500.00} and a 12 day hold was as placed on XXXX of it. I also deposited a separate money order for {$100.00} and it was available immediately. I tried to call to find out what happened and got the we are sorry but its computer generated line. I 've had this happen before but never a 12day hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a name on my credit report of XXXX  XXXX. I donot recoginize that name or ever used it. 

2. Experian web site is broken, they force us to go to your site for help. 

3. XXXX XXXX  dealer services should say ok on the payments. The other two credit reporting agencies has corrected this, but Expeirian wants to be hard nosed and not correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I have no knowledge of and are not verified.
Product: Money transfer, virtual currency, or money service

I sent money last XX/XX/2019 and not yet recieved
Product: Debt collection

Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming XXXX XXXX These court documents had a broad list of what I was being sued for. It stated Citi card NA. Prior to this I had paid off 3 Citi card debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a dollar amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The holidays have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was Home Depot by Citi. I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling Citi card and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my XXXX XXXX XXXX recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to Experian requesting an investigation into items that I believed were OBSOLETE. To date, I have not received a reply from Experian or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Third request. 

Please see my reasons for dispute below : 1. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Money transfer, virtual currency, or money service

I submitted a XXXX payment of {$500.00} via wells fargo XXXX for a new dog. It turns out the person accepted the payment, but quit answering questions and never sent the dog. Essentially, i was scammed. I would like a full refund for this terrible crime that was committed. This occured on XX/XX/2021.
Product: Checking or savings account

My name is XXXX XXXX and I am a PayPal user with email address XXXX I received a payment from my limousine partners in XXXX and XXXX decided to freeze my account informing me that I will be able to withdraw my funds after XXXX  days. 

Since then I have faced issues of not able to log into my PayPal account. 

PayPal XXXX office email me informing me that I will be able to withdraw my funds on or before XX/XX/2021. 

But I tried logging into my PayPal account with my correct details and it keeps saying " your info isn't correct or some info are missing ''. I then decided to change my password and it keeps saying the same thing. 

Since I have not been able to log into my PayPal account, I am believing that PayPal itself as a company has taken my funds and blocked me from logging into my PayPal account. I have read cases where PayPal take people 's funds to themselves unauthorized. 

I need explanation with this and assurance that PayPal will not steal my funds. 

I want to be able to access my account and withdraw my funds. 

I would like someone at PayPal to reach out to me. 

My reference number where my funds was held for XXXX days is XXXX I will be ready to take PayPal to court for damages if my funds isn't released.
Product: Credit card or prepaid card

I have 3 credit cards with Chase as the credit cards holding bank. I am slo now applying to refinance my home with Chase. As I am sure you are aware when you apply for credit cards, it is unknown the holding bank. I found this out naturally after the fact. So with the 3 credit cards & now applying for a refinance, I am paying of course interest on ( 4 ) of Chase 's products. I have called in the past to assess if my interest rates can be lowered, to no avail. I have a very good credit rating, yet I feel & think this practice is unfair to collect interest now on ( 4 ) products! Chase should work with me to help lower my interest rates on all products/ services! They have not regardless of my inquiries. 
Being a senior on a fixed income, the lowering of my interest rates would be benefical for me financially. Chase is " ripping me off '' with such high interest rates on each card & now additional interest rate for my refinance. It is not very consumer friendly to take advantage of people. IF you can assist with this issue, thank you in advance.
Product: Mortgage

Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.
Product: Debt collection

we asked the XXXX XXXX have our company name ( XXXX XXXX XXXX ) in their system and get everything ready for when our company start ruining we dont have to waste time on marketing time and setting up. They told us over the phone is one payment of approximately {$380.00} dollar and we asked them to just add us in their database and not start any campaign or marketing and after few months we realize they are taking money out of our account with out our permission and we called the bank and got our money back. We had no contract with them what so ever and we only agree to one payment of which was approximate {$380.00} dollar which we paid them. after we find out they are scamming us i contact the agent and i kept all the emails back and forth and he say that their department made mistake and dont worry about it. and they still send it to collection agency.
Product: Debt collection

Received a call from First Recovery Services or Solutions stating I took out a payday loan online in the amount of {$350.00}. I informed them that I had not taken out any payday loans online. I asked First Recovery Services what their address was. They would not provide it. I asked them to provide me with the date it was taken out. They that the loan was taken out prior to XX/XX/XXXX and charged off. I asked them to provide me with proof that there was a loan. They would not. 

The next person said the loan was refinanced by XXXX XXXX XXXX in XX/XX/XXXX and that more than {$500.00} is owed. Once again, they could not provide me with dates and would not provide me with proof. They said they would see me in court because I would not pay them. 

I have not taken out any payday loans and I certainly did not refinance anything in XX/XX/XXXX. I have never received notification nor have taken out such a loan. I continuously check my credit and no such creditor has been put on there. They provided me with an address that is more than 10 years old. 

They have called more than 10 times from various numbers. They had a guy from what they indicated was " their legal '' department also called me from an XXXX number and then he called three other times from XXXX. They have called various family members of mine in informing them that it is urgent to get a hold of me with and give them a claim number. They have contacted my significant other 's business four to five times. This loan is not mine and this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report
Product: Credit reporting or other personal consumer reports

TransUnion failure to block XXXX XXXX XXXX accounts. This a lawful request. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX : {$490.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to ask the CFPB to open an investigation, so Unifund LLC does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am going through a very stressful time with Unifund. I filed an arbitration case against this company, who is reporting the account involved in this matter. Unifund has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor XXXX. The case I filed is based on several violations that Unifund has committed : excessive phone calls, unfair and deceptive business practices, and collecting on account with fraudulent charges account. I was called excessively by creditors and Ive kept on getting calls and letters despite my telling them to stop communicating. In addition, the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. Now the XXXX XXXX XXXX tells me that Unifund is out of compliance with them and failed to comply with the XXXX policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Unifund will now be upheld. 
I have lost significant sleep and peace of mind over this issue for several months, as my entire financial life has come to a halt due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX account # XXXX, account # XXXX account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, has Violating my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states that I consumer reporting agency can not furnish an account without my Written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a purchase was made from XXXX XXXX for {$3400.00}. Payment was made via PayPal and deducted from the cash balance of my account with PayPal. On XX/XX/XXXXXXXX XXXX  XXXX contacted me and informed me he was having an issue with PayPal They were withholding my payment to him. He advised I dispute the transaction with PayPal and request a refund. We would then arrange another form of payment. A dispute was filed with PayPal and a request to reverse the transaction. 
Dispute Case ID XXXX XXXX responded to PayPal and authorized a refund back to me. 
On XX/XX/XXXX, PayPal denied the dispute and would not authorize a refund. They then closed the dispute, and neither I nor XXXX XXXX could take further action. No proof of payment to XXXX was ever provided as requested, and PayPal has refused any further action to establish exactly where the money went. 
At this time PayPal has appropriated the money and without proof of payment to XXXX XXXX I can't pursue any further solutions.
Product: Debt collection

I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.