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

I have submitted several disputes on multiple things on my credit report, by multiple agencies, and on each occasion they are finding out that the reports under dispute are accurate when they most certainly are not.
Product: Money transfer, virtual currency, or money service

An ACH transfer was sent from XXXX XXXX XXXX  to Wells Fargo, the ACH recipient ( me ) information entered by the sender ( Trustee of an estate ) did not match, i.e., Name and account number. The ACH settled on XX/XX/2019. The money has yet to be returned so that the transfer may be executed with the correct information. It is a six figure sum. Wells Fargo claims it could take 45 days to return the funds???? Further, they Wells Fargo, has not verified where the money went??? Should I file a complaint with the police?
Product: Credit reporting, credit repair services, or other personal consumer reports

Too Whom it May Concern, I contacted the State Farm Consumer Reporting team on Tuesday, XX/XX/2018 to discuss an account ( charged-off credit card ) reported to the credit reporting agencies. Since I discovered this account, I've vigorously disputed it ( online ), while going through multiple surgeries and XXXX treatment. Also, I spoke directly with a representative, XXXX XXXX, at the company who was surprised that he " could not find ANY paperwork associated with the aforementioned credit account. '' At the time the application was reportedly submitted, I was in high school student. In fact, I was participating in a research program in California and XXXX XXXX. I was also shocked that no one ( credit bureaus or company ) could provide me with a signed document and/or other verification documents. After being told they could not find information or an application linked to the account, I received a simple transaction list ( e.g. XXXX, XXXX, etc. ) in the mail, which does not satisfy the FCRA verification requirements. I responded to this issue by placing an Identity theft alert on my credit reports and froze them. However, I am using this correspondence to submit a statement to outline my dissatisfaction with the process. The credit reporting agencies responded to my verification request with canned responses. NO ONE, including the company, furnished me with a contract/application with my signature. I didn't receive any hard evidence that links me to this account, which concerns me. 

In essence, I see this report to the CFPB as an option for the disadvantaged/underprivileged in this country to overcome the structural bureaucratic barriers that exist. Again, it concerns me that the credit reporting agencies can report something as verified without sharing the materials they used to verify an account. This behavior seems to encourage creditors to disregard robust investigations. Having said that, I hope this issue can be resolved.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602. States that I have a right to privacy 15 U.S.C 1681 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX is calling my XXXX mother 's house daily, sometimes multiple times a day despite the fact that they know where I am and even have taken me to civil court. They are absolute scum.
Product: Credit card or prepaid card

On XX/XX/18 : {$1800.00} went missing from my NetSpend debit card account. The time of this unauthorized transaction was XXXX cst. Found out from NetSpend that this was a XXXX XXXX transaction. I told NetSpend that I have nothing to do with XXXX XXXX and that I don't even have a XXXX XXXX account. I even got XXXX XXXX on the line with NetSpend and myself on XX/XX/18, and the XXXX XXXX employee even told NetSpend that I don't have an account with XXXX XXXX. NetSpend said they can't stop this transaction from going through they can't block it even though I told them that this was not authorized. They said that after 15 days by XX/XX/XXXX if this transaction is still in pending status they will release the {$1800.00} back into my account. They also said I can't file a dispute until the transaction goes through yet meanwhile even in pending status I don't have access to my own money that was taken. My rent is due Saturday XX/XX/XXXX which I can't pay in fact I can't do anything can't by food. Please help me. I have no idea exactly how this could happen. NetSpend shut down the debit card and sending me a new card. I still don't have my funds and this has me sick to my stomach and I can't sleep good. If you need more information please let me know. Thank you.
Product: Checking or savings account

PayPal has been processing my credit cards using their Paypal pro merchant account. They have repeatedly setup the account improperly they have caused me thousands of dollars in losses along with potential finical losses in the future due to their negligence. I have asked multiple times ( in writing ) for a head support agent to contact me to fix the issues and they keep sending me generic emails with no help anywhere in the near future.
Product: Debt collection

I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.
Product: Credit reporting or other personal consumer reports

Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.
Product: Debt collection

Im not trying to provide a sob story but over the last past year I have been unable to gain housing due to this account. Today ( XX/XX/XXXX ) I talked to a Procollet Rep and I felt as if I was being bullied into making a payment. If I cant make a payment of {$890.00} on XX/XX/XXXX how can you expect me to make a payment of {$17000.00} on XX/XX/XXXX or XX/XX/XXXX? Overall Procollect today ( XX/XX/XXXX ) has basically refused to give me a payment arrangement therefore Procollect is refusing payment I wanted to make towards the account today. The Procollet Rep didnt try to provide and help or resources and basically didnt care, he just wanted a payment in full! 
I called Procollect on XX/XX/XXXX at XXXX regarding an outstanding account. I talked to XXXX XXXX and explained to him that on XX/XX/XXXX I was to pay a settlement offer ( {$890.00} ) which was, and courtesy offer they were offering for 30 days, that was half of my outstanding balance. What was explained to me that if the balance ( the settlement offer ) was not paid in full it would revert to the outstanding balance ( {$1700.00} ). However, due to illness ( XXXX ) I was unable to work, and I was calling to make a pay arrangement and make my first payment for the account. XXXX XXXX stated that he would cancel the XX/XX/XXXX payment because it would not go thru and then asked how would I like to pay the full payment of {$1700.00} today. I again stated to XXXX XXXX that, Im calling to make payment arrangements., XXXX XXXX replied, that Im refusing to pay. I asked XXXX XXXX how am I refusing to pay if Im calling to make payment arrangements? XXXX XXXX stated that I had no pay arrangement options and full payment is due now or by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know. 

I have been living in the same address now for over 5 or more years.
Product: Credit reporting, credit repair services, or other personal consumer reports

FactorTrust is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Mortgage

Here 're an essential timeline of events ( with paper trail evidence if needed ) of what happened with myself and Ally XXXX XXXX/XXXX  XXXX  up to an initial closing date of XX/XX/XXXX. 

XXXX, XX/XX/2021 : My loan officer ( XXXX XXXX ), does not show up for a scheduled appointment to review my final loan estimate prior to delivering the initial closing disclosures. I attempt to call her direct line at XXXX, no answer. 

XXXX, XX/XX/2021 : I call her again. Still no answer. This time I allow the operator to route me to the customer experience team, who then tells me they've reached XXXX and she would get back to me today. 

XXXX, XX/XX/2021 : XXXX calls me. At this time, I receive and acknowledge all line items in my latest loan estimate with XXXX at Ally XXXX XXXX/XXXX, including a {$390.00} origination fee. This loan estimate is shared with me via PDF over email at this time. I am also informed that I would receive XXXX, XX/XX/2021 : I received my initial closing disclosures, with an origination fee that increased 5x from the loan estimate agreed upon just 4 hours prior - {$390.00} to {$1700.00}. This is well past business day. 

XXXX, XX/XX/2021 : I emailed XXXX to clarify the origination fee increase. 

XXXX, XX/XX/2021 : I began a 7+ hour journey to attempt to reach XXXX. I was only ever able to speak to customer experience/support, or my closing expert, XXXX XXXX, who has no power to actually resolve the matter. 

Around XXXX, XX/XX/2021 : I was informed by a member of the customer experience team at Ally that we will not be able to close on XX/XX/XXXX, because the ICD was not signed on XX/XX/XXXX. The same ICD I received at XXXX. 

Presently, XXXX, XX/XX/2021 : I am forced to sign the ICD to not delay closing any further than the extra day it's already been delayed to. 

It is clear to me ( and hopefully the CFPB as well ) from this chain of events that I have been forced by Ally into accepting an ICD that I do not approve of by misappropriating the 3-day TRID rule and pushing closing out. While pushing the closing date is a possible solution, the cost it incurs to Ally to push the closing date is insignificant compared to the cost to the consumer. 

Based on my interactions with Ally, it is apparent to me that the loan team has explicitly designed this experience to fail for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX 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 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681S2 ( 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

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} NXXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Product: Prepaid card

Purchased card at XXXX and it didnt work. Called to get a replacemnt on XX/XX/year>, they said XXXX business days. It has been XXXX business days, still no card.
Product: Debt collection

Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in  the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to respond to XXXX and XXXX, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Answer my disputes properly,, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

AMERICAN EXPRESS XXXX XXXX which ran my credit twice in two days XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

According to FCRA Section 605b it is illgal to report information on my credit report without my permission. I have reach out the XXXX XXXX XXXX and Discover Card # XXXX, XXXX XXXX XXXX. I have sent in documents on my behalf to remove these items completely from my credit report. XXXX are reporting incorrect information my credit report. In according the CREDIT REPORT ACT this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 16819section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. I wish to have these account deleted from credit report.
Product: Payday loan, title loan, or personal loan

I had a loan with this company for 28 months. I was told I could apply for a refinancing loan. I had made all 28 payments on time. I applied for a refinance loan on XX/XX/XXXX. I signed my signature to get this loan on XX/XX/XXXX. They told me that I shouldHave a final decision in 24 hours I called every day .The represented told me they was going to make a decision. I talked to manager I was told the same information. On XX/XX/XXXX I received a message that my loan application had expired and I was invited to reapply for this loan. This process was not done in 24 hours. I waited until I made my next payment. I made my next payment on XX/XX/XXXX and I was told by one of Avant representative that I could reapply at that day and I wouldnt have to send anything more information from my bank statement.He said the information I sent it could be used. I reapplyed and the company denied me. my refinance loan in minutes. The time I apply my credit score was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is negative reporting about a " car loan '' on my consumer report, the reporting of Capital One Auto Finance in the amount of {$13000.00} reported XXXX XXXX opened XX/XX/2020 which has now been closed leaving horrible remarks tarnishing and ruining my consumer report by the company Capital One Auto Finance stating that this was charged off as a bad debt profit and write off loss. when there in fact was no loan.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that I had accounts that are not mine so I have disputed them with the credit bureaus but the accounts are still there even though I have attached ftc report. I see no changes.