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

After sending out multiple letters to the credit reporting agencies and then calling to follow up with my XXXX report sent to Transunion with all the required documentation, Transunion has continued to violate my rights as a consumer, per 15 USC 1681c - 2 ( a ) The CRA is REQUIRED to block any of the information on the report and or file of the consumer if the consumer identified the information as a result of an alleged identity theft within 4 business days after the receipt of the identity theft report and required accompanied documents. Every single time I have called to follow up the person tells me they can not remove the accounts even after stating my federally protected rights to them. They send me on a wild goose chase connecting me to supervisor after supervisor who says the same thing as the previous. TRANSUNION has also violated 15 USC 1681b ( a ) ( 2 ) ALL CRA 's need your written instruction/permission to furnish anything on your consumer credit report. Which I have not given and they continue to argue against the law and report these fraudulent accounts on my credit report and file due to the CRA 's lack of professionalism and honesty in reporting. My rights are being violated and this needs to stop immediately!
Product: Money transfer, virtual currency, or money service

i received money from a friend for my prescriptions. i was unable to withdrawal the money to my account so my mom an sister added their accounts. it failed to transfer to my moms but it allowed me to transfer to my sisters XXXX XXXX account then venmo canceled the transfer 2 days later right before it was to deposit into my sisters account. they then froze my account and deactivated me. telling me i might get my money sometime in XXXX. this has been since the end of XXXX. I just want them to release my money to me. its not fraud its not liability its my money. This isnt right or fair to hold someones funds for over XXXX months a the possibility of never getting it back. just please release the funds. 

i also had been verified before all this but still uploaded my identification multiple times to the support account specialist department
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Credit card or prepaid card

1. I attempted to pay a legitimate invoice XXXX XXXX XXXX, XXXX. 
Capital One falsely flagged the transaction as fraud. It was not. 
Capital One texted me and asked if I made the transaction. I replied that the transaction was legitimate. Capital One instructed me to try again. 

2. I re-attempted to pay the software invoice as instructed. For a second time Capital One falsely flagged the transaction as fraud. Again it was not. Capital One asked a series of questions to remove the fraud hold. I answered the security question via email & web. 

" About your XXXX XXXX XXXX credit card ending in XXXX We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. 

Please call us as soon as you can at the number on the back of your card or at XXXX ( XXXX ), so we can clear things up for you right away. 

Re : Case Number REDACTED I was instructed to re-attempt the transaction. 

3. I reattempted the transaction as instructed after the fraud hold was supposedly lifted for the 2nd time. The transaction was again erroneously flagged as fraud. It was not. I was instructed to call Capital One to remove the fraud hold. I called Capital One, I verified my identity and also created and uploaded a digital copy of my California Driver License. Again I was told the fraud hold had been lifted. While still on the phone, I was instructed to re-attempt the transaction. 

4. While on the phone I re-attempt to pay the invoice. For a FORTH time. the card was restricted due to a false-positive fraud prevention. The card was locked and Capital One demanded i produce and upload a digital copy of my social security card and a few other documents. 

Capital has a very poor record of protecting consumers credit information as reported by XXXX XXXX, Attorney, Division of Consumer and Business Education The Capital One data breach : Time to check your credit report XXXX XXXX XXXX Also, XXXX issued a case study of the breach concluding, " 2. Final considerations The study of the Capital One incident showed that the company failed to implement proper security controls. It also demonstrated that the NIST Framework would have been sufficient to mitigate the incident, if there were enough compliance controls in place to identify the unauthorized access and data exfiltration during the entire chain of events. 

Capital One is not to be trusted with my Social Security card. 

A Case Study of the Capital One Data Breach XXXX XXXX XXXX On XX/XX/2021 XXXX Fraud department rep. XXXX aka XXXX refused issue XXXX Rewards Miles credit and my access was restricted. 
In order close Capital One is forcing the user to forfeit the reward miles balance and refusing to redeem them. 

The call was recorded and confirmed by XXXX. 

XXXX XXXX XXXX XXXX Credit Card and Line of Credit Capital One Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Student loan

My student loan servicer is XXXX XXXX XXXX. I made a scheduled direct payment from my bank account in the amount due, {$790.00}, with a payment date of XXXX/XXXX/XXXX. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, the amount was debited from my checking amount. XXXX XXXX XXXX 's website and telephone system do not reflect this payment and state that my account is past due.
Product: Credit card

I cancelled my card via their online chat. The rep said it was successfully cancelled. American express did not actually cancel my card and it remained active. When I complained they said it was a " glitch ''. Chat transcript attached.
Product: Money transfer, virtual currency, or money service

I recently opened a near checking account with Discover Bank XXXX early XXXX XXXX and on XX/XX/XXXX, I immediately ACH deposited {$25.00} into it from an already established checking account ( XXXX Bank XXXX. That transaction only took XXXX or XXXX days with funds being available. The system with XXXX bank to a trial ACH transaction of its own on XX/XX/XXXX for XXXX cents and that too was processed in couple days. On Friday, XX/XX/XXXX, I submitted request to ACH transfer {$920.00} from that same other account, XXXX bank. Unfortunately funds are not quickly available for this transaction and a hold is put on it so funds wont be available till XXXX. When I submitted the request, the Discover system said that funds would be available in 2 days. I contacted authorities at Discover and they all are saying the process is systematic and they have no way to take the hold off. They obviously have the funds which was verified by the other bank. The specific rules for Discovery ACH tranactions indicate that they typically XXXX take XXXX to XXXX  days but exceptions to that related to disciplinary issues and if the account is new. That means the system may hold funds for XXXX business days. I find that rule very misleading especially with it not being referenced within system itself when doing it. More so, the prior ACH transfers were complete in XXXX or XXXX days, how would I have known that this one would be XXXX weeks. This situation is very misleading, ambiquous and unfair. 
Immediately, I would like the Federal Reserve XXXX to compel Discover Bank to immediately take the hold off since the situation is not clear and I have urgent bills to pay. 

XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX ( cell )
Product: Vehicle loan or lease

I sold my car ( a Tesla ) back to Tesla on XX/XX/year>. The car was financed through Tesla and they held the loan. I got a pay off quote from them and sold it to them on XX/XX/year>. They took a payment of {$920.00} on XX/XX/year> for a car that was paid off and traded into them. This loan was closed and they should not have taken this payment. 

I contacted Tesla via email, they have not responded. I have called the the Tesla Finance number and can not get to speak to someone. It goes to voicemail and the mailbox is full. 

I received an email saying they plan on taking another payment XX/XX/XXXX for another {$920.00}. This loan is closed and they are stealing money that they are not entitled to. I am unable to speak with the company about this.
Product: Mortgage

Account NoXXXXXXXX  I called and sent multiple messages to newrez regarding extending my forbearance for three more months, the only thing I'm getting is drama, the phone customer service is of no use and I'm still in dilemma right now, my XXXX haven't paid the rent, I don't have the money right now to pay the monthly mortgage, plus I got covid in last year XXXX so I need three more months of forbearance.
Product: Mortgage

Numerous time since XXXX XXXX Seterus has put my mortage account into a false active bankruptcy status. XXXX XXXX Seterus submitted a false report to the credit agencies that my account is in active bankruptcy and in default. Since XXXX XXXX numerous times contacting Seterus and currently XXXX XXXX. Seterus has stated in writing that all issues have been resolved and corrected. Seterus has stated numerous times since XXXX XXXX that my credit report has been corrected and reflects current activity. All XXXX credit agencies, XXXX, XXXX, and XXXX have not been updated since XXXX XXXX. XXXX still reports that my mortage is in active bankruptcy and derogatory. Seterus states everything is current which is false.
Product: Credit reporting or other personal consumer reports

Im a victim identity theft someone use my personal information without my permission to open unauthorized accounts and or make fraudulent charges. I do not authorize these account or transactions and I request that they be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I've fallen victim to identity theft, and my information has been used fraudulently. Because of this, there are items on my credit report that I was never involved with. Following Equifax 's instructions, I filed a report with the FTC and sent it in, but these fraudulent items are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX, and PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX After reviewing my three credit reports from XXXX, XXXX, and Transunion I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. XXXX has failed to this respect and violated my rights under the laws described in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL FRADULENT INQUIRIES ON MY TRANSUNION CREDIT REPORT THEY ARE XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  AND XXXX XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I ALSO HAVE A FRADULENT ACCOUNT FROM XXXX XXXX OPENED ON XX/XX/XXXX. 

I HAVE ATTACHED AN FTC REPORT.
Product: Debt collection

GENESIS RECOVERY SERVICES INC. has a fraudulent default judgment against me for a debt they can not legally collect. Upon my own research GENESIS RECOVERY SERVICES INC. is not legally bonded to go after me for any debts owed because I am a Resident in the state of Delaware. They have been illegally garnishing my wages and exhibiting abusive debt collection practices. They also have been committing fraud by contacting and suing me for a debt that I do not owe them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE IS ALSO A INCORRECT SOCIAL XXXX 
THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Mortgage

Last year around XX/XX/2017, l received a letter stating that my mortgage was being transferred to another company and that my payments would not change. My payments were XXXX per month with taxes escrow included. This company claims l owe XXXX more in escow and that l had to set up payments. I do not owe XXXX dollars in escrow. Now my payment are XXXX per month. My taxes are less than 4000 per year. I am being ripped off by this company. Also, l have a second mortgage that was transferred to the same company that was a home equity account with payments of less than 200.00 per month and now l am paying XXXX dollars per month and they are trying to make me pay escrow of {$380.00} per month on this account that was never escowed. Please help me with this company because they are trying to make me unable to keep up payments on my home. I was told by my account manager that it would be taken care of but nothing has changed.
Product: Mortgage

The company was not able to stop the sale of my home after stating they could stop the sale. They said Wells Fargo refused to mod my loan due to the fact the sale date was in side of 37 days which is require to duea mod.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my mother attempted to transfer money to me via paypal. She inaccurately sent it as " goods and services ''. It was a large amount, and I noticed that PayPal had charged a huge fee, so I immediately refunded the entire amount. 

However, Paypal limited my account, which is a precursor to closing it, and demanded the following information : my photo ID, receipt from my supplier, proof of fulfillment. The photo ID request is invasive ; I don't have a supplier ; I wasn't selling anything so there was no fullfillment. I called the Customer Service line at XXXX and spoke first to XXXX, and then to his manager, XXXX, both of whom told me there was nothing they could do. When I asked them to clarify that they were refusing to unblock my account, XXXX said no, instead it was I that was refusing to provide the information they'd requested. I told him I'd be filing a complaint with the CFPB, my first, and here it is.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

I check credit karma before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from XXXX who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted XXXX they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency