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

As of XX/XX/year>, I have reached out to this company continuously attempting to receive information regarding the monthly payment that I am making and where this is going and what exactly and how is this benefiting me as of XX/XX/year> I am now looking at my credit report and noticed that they have deemed me late after I have reportedly requested this account to be closed I am unable to get in contact with anyone anytime I reach out. I am reverted to a text or email and I have not received any response or reply as to my account being closed and where these monthly funds that Ive been paying for over a year and a half are going Now they have dinged my credit and this is causing great detriment
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I have supplied Experian Credit Bureau with the proper documentation such as my Driver License, Social Security Card and utilities for proof of residency to aid them in removing the fraudulent data from my file. 

To date, Experian Credit Bureau is still reporting wrong names for me, 3 unknown social security numbers and 3 fraudulent accounts. I am requesting your assistance before I take the matter to Federal Court-I don't know what else to do. 

Please See incorrect information below extracted from my credit report XXXX XXXX XXXX XXXX I don't have a middle name XXXX XXXX XXXX not my name XXXX XXXX XXXX- I don't have a middle name None of the Social Security Numbers that appear on my credit report are mine XXXX XXXX XXXX Fraudulent/Unknown Accounts- that obviously belong to the other social security numbers 1.XXXXXXXX XXXX  Account numberXXXX- Fraudulent Account 2XXXX XXXX  Account number XXXX Fraudulent Account 3. XXXX XXXX XXXX XXXX Account numberXXXX Wrong person not me 4XXXXXXXX XXXX XXXX XXXX Account number XXXX Wrong person I have not applied for credit .... the inquires have been placed in my name fraudulently XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX., XXXX XXXX Date of request XX/XX/XXXX
Product: Student loan

I received the list of XXXX indexes. Can you please provide the information you received from The XXXX XXXX XXXX, that verifies the specific XXXX indexes and the dates they were released? Please provide documentation from XXXX XXXX XXXX. The attachment I sent from XXXX XXXX XXXX does not align with what was listed for XXXX XXXX XXXXXXXX and other servicers. Additionally, the capitalized interest was not addressed for XXXX, XXXX, XXXX, and XXXX. I have not received the history of payments, and the record of capitalized interest is missing information from XX/XX/XXXX to XX/XX/XXXX. Thank you for your attention to these matters.
Product: Credit reporting or other personal consumer reports

NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY SYNCHRONY BANK AND XXXX XXXX ATTN : SYNCHRONY BANK AND XXXX XXXX Synchrony Bank performed two illegal credit inquiries on my credit file with XXXX XXXX between XX/XX/2023 and XX/XX/2023. A copy of the most recent unauthorized inquiry is attached in the form of a letter Synchrony sent admitting they illegally checked my credit. 
I never gave Synchrony Bank permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. XXXX XXXX I did not give you permission to let Synchrony Bank check my credit without my written knowledge or consent. 
In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' Using the attached Fair Credit Reporting Act, I am requesting both Synchrony Bank and XXXX XXXX state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition XXXX XXXX, I placed a temporary credit freeze on my XXXX XXXX file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. These illegal credit inquiries show inaccurate accounts that XXXX XXXX knows are inaccurate. These illegal inquiries resulted in adverse actions including the approximately 10 % reduction of the credit limit on an XXXX store card.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Enforcement Office XXXX XXXX XXXX XXXX Washington, DC XXXX submitted via email : XXXX ; XXXX ; XXXX Subject : Request for Monetary Damages from TransUnion for Willful Violation of the FTC Act re : CFPB Complaint number XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX FEDERAL CIVIL FORM XXXX WILL BE FILED ACCORDING Dear Enforcement Office, I am writing to formally request monetary damages from TransUnion for its willful violation of the Federal Trade Commission ( FTC ) Act, specifically pertaining to its failure to comply with 15 U.S. Code 1681c-2, which requires a consumer reporting agency to block the reporting of any information resulting from alleged identity theft within four business days of receipt of such identification. 

As a victim of identity theft, I have diligently followed the necessary procedures outlined by federal law to notify TransUnion of specific information within my file that I believe to be the result of this criminal activity. Despite my efforts and repeated notifications, TransUnion has intentionally and with malice failed to comply with its legal obligations under the FTC Act. 

Furthermore, TransUnion has demonstrated a disregard for its responsibilities by neglecting to pay monetary damages for its egregious acts, exacerbating the harm and distress experienced by victims of identity theft. 

Therefore, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) pursue monetary damages against TransUnion for its willful violation of the FTC Act and its failure to provide appropriate compensation for the damages incurred as a result of its unlawful actions. 

I urge the CFPB to conduct a thorough investigation into TransUnion 's practices and impose significant monetary penalties commensurate with the severity of its violations. Additionally, I request that any monetary damages awarded be promptly disbursed to affected consumers, including myself, to provide restitution for the harm caused by TransUnion 's actions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will swiftly and decisively take action to hold TransUnion accountable for its willful violations of federal law and ensure that justice is served. 

Sincerely, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse
Product: Student loan

My husband and I took out a loan for our daughter to attend a private high school though AES/NCT. My husband I split up and it went into default. As of XXXX 2015 it was paid in full. XXXX XXXX has taken it off the credit report but it is still on the other reports. I have called AES ( American Education Services ) several times and have contacted the credit bureaus. The credit bureaus tell me AES needs to remove it and AES tells me they no longer own it so they wo n't remove it. I have disputed this several times with the credit bureaus, each time they tell me AES states that I am still responsible. As this has been settled through a third party ( XXXX XXXX XXXX XXXX. ), how do I have this negative reporting removed since this account has been settled?.
Product: Prepaid card

I disputed a few charges on XXXXXX/XX/year> and Also XXXX I believe I didnt authorize them transaction and my card was stolen within 10 business days u had to write a letter to get qualified for XXXX XXXX and they failed to grant me that as well I got a email stating no error was found I have no knowledge of these transactions ask for a rebuttal hearing I was told that they was sending documents which never occurred now Im here
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; CXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Medicades Third part liability estate recovery program has put a lien on my mother 's XXXX XXXX estate in the amount of {$91000.00} they denied my undue hardship waiver n I'd like to appeal that...
Product: Debt collection

On XX/XX/XXXX I received a judgment against me in the amount of XXXX for failure to pay an old debt ( I believe a credit card ). I unfortunately left this go thinking it would eventually go away, but in XX/XX/XXXX the company ( Cach LLC ) that filed the judgment, garnished my bank account in the amount of XXXX and at that point I decided I needed to take action to clear the debt so in XX/XX/XXXX, I entered into an agreement with their, then debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to make an initial payment of XXXX and then 29 payments in the amount of XXXX with a final payment in the amount of XXXX. At the time of the repayment agreement, I was informed the amount to be paid would be XXXX. These payments were to automatically be debited from my bank account. The payments initiated and after the first 3 months, stopped. On XX/XX/XXXX a letter was sent to me from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX stating that Cach LLC ( the creditor ) placed my collection with this new law office but would honor my existing payment arrangement if I would contact them, which I did on XX/XX/XXXX at XXXX and spoke to XXXX XXXX who transferred me to XXXX XXXX who set up a new payment arrangement for me to pay XXXX each month for 24 months to pay the then current balance of XXXX. My account was finally paid in full in XXXX of XXXX. Upon request, I received a letter from XXXX XXXX XXXX, who was then the current collection agency, dated XX/XX/XXXX, stating my account was paid in full. That letter states that I paid a total amount of XXXX ( which is way more than the original amount being collected ). The letter also states that I can use it as a receipt for use with future credit inquiries, which I received in XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another collection agency retained by Cach LLC. This letter states I owe XXXX on the account for which I have a letter stating the account was paid in full. I called XXXX XXXX XXXX XXXX. on XX/XX/XXXX and was told to fax that paid in full letter to them which I did on XX/XX/XXXX at XXXX. On XX/XX/XXXX, Resurgent Capital Services sent me two letters stating they reviewed my claim regarding previous payments made on the account and after review they were unable to validate my claim. I am not sure if this is yet another collection agency retained by Cach LLC but I now feel as if they are harassing me and I am not sure why a paid in full letter would not be enough to validate my claim. I have paid way more to these collections agencies for this account than owed and I have not been able to settle this matter with Cach LLC through their many collection agencies, at no fault of my own. I have overpaid this creditor and they still keep coming after me stating I owe them more.
Product: Mortgage

The home owner had medical issues and moved to XXXX. Her daughter and family stayed in the home and were responsible for paying all expenses. The son in law lost his job of 15 years and daughter lost her business due to the recession of the economy. They had tried to get assistance, however they tripled the attorney fees and they were unable to bring the mortgage current. They applied XXXX times for loan modification which they were told they lost and did n't get the paperwork. The home owner decided to put the home on the market which did not get any offers due to the marketing and pricing. I worked with the home owner for over a year and we finally dropped the price significantly and got a written offer which was submitted on XXXX XXXX, 2015 along with updating and complete all tasks in XXXX. I was told through an email on XXXX XXXX that they denied the short sale. NO EXPLANATION. I called the lender today since they were closed for the holiday and was told they did not have enough time to review the offer and will not stay the foreclosure date until they offer is reviewed. They did not even offer the home owner the option for Deed In Lieu or assistance to the tenants to relocate.
Product: Credit reporting, credit repair services, or other personal consumer reports

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

Filing complaint against Cash app (block inc) due to unfair customer service CFPA. Cash app failed to take matters seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I initially bought some great gear from XXXX, which I love, for {$93.00}. I then thought that I paid my account off in full on XX/XX/2020 ( see attached XX/XX/2020 Statement ). The account was XXXX. However, I would learn in XXXX that in fact, the account was not paid in full. US Bank provided me with inaccurate information about my account and did not accurately provide accurate information to XXXX XXXX XXXX who is my primary bank. As seen in the attached phone log that corresponds to roughly the same time as the transactions on my account ( see attached US Bank transactions ), I have spent a couple of hours trying to correct US Banks problems on my account. I was told during these phone calls that the payment of {$93.00} would be fixed, and it was not. I was told by US Bank that the reason why the payment authorization was not received was XXXX XXXX fault. It was not. I was told that it was my fault. It was not. I was told multiple times in my phone calls to fax my card number, full name as on card to Attention Research to show that there was no block on the account to the fax number for Us Bank : XXXX. Then, come to find out that I never had to fax anything to begin with. I have done everything in power to work with US Banks representatives and XXXXXXXX XXXX to make the payment that I initially made on XX/XX/2020. After speaking with US Bank Employee Manager XXXX XXXX # XXXX XX/XX/2020, she told me yet again that she will fix my problem. The amount was corrected XX/XX/2020. 
I found out the weekend of XX/XX/XXXX that my credit score decreased when we were looking to buy an RV to travel and see family during these trying times. I cant believe that after all that I have gone through in paying this bill, US Bank would report this payment to my credit report. I have never missed a payment or a due date. This is ridiculous and unheard of. I have done everything in my power to pay a bill multiple times in order for US Bank to not report to my credit. For this reason, I asked US Bank to correct their credit reporting. I received the attached letter and US Bank refused to correct the report. Please ask US Bank to correct the credit report. 
Thank you for your attention to this matter. 
XXXX XXXX
Product: Credit card or prepaid card

We had scheduled a payment with CapitalOne to pay the entire balance due, {$9900.00}, we were charged an additional amount of {$160.00} in interest even though we paid the amount due within the grace period. We called CapitalOne and notified them of the discrepancy but they did not reverse the amount. I scheduled an immediate payment and told them to close the account but we ended up paying the {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, Capital One, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX and Id like to file a complaint against Experian for violating section 611 Of the FCRA. Experian verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Experian and all the data furnishers listed below the required letters & I have not received any changes from any of the companies. Ive further sent Experian request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Experian is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation and below are the account that are in questions. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was informed via email that my PayPal account had been placed on a permanent hold due to an alleged violation of their policies. Despite my insistence that I had not violated any of PayPal 's policies, I was told over the phone that I would be able to retrieve the funds from my account after a hold period of XXXX XXXX. However, upon attempting to log into my account once the hold period had ended, I discovered that a transaction had been made by PayPal, resulting in a loss of {$1100.00} from my account. The transaction details are as follows : Transaction ID : *********, Amount : {$1100.00}, Paid with : PayPal XXXX, Seller info : PayPal, Note : {$1100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : PayPal ; PayPal 's damages caused by Acceptable Use Policy violation. I have made countless attempts to contact PayPal about this issue, but have consistently been met with refusal to provide a clear explanation or any form of assistance in recovering the stolen funds. This lack of transparency and failure to resolve the issue is unacceptable and I demand that PayPal immediately investigates and resolves this matter, as I am confident that I have not violated any of their policies. The unauthorized transaction has caused significant financial hardship and I request that PayPal take responsibility for their actions and return the stolen funds to my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX Chicago, XXXX XXXX XXXX Equifax added a account back to my report and derogatory marks to my report after I disputed over the phone and by sending in dispute letters the name of the company I'm disputing is XXXX XXXX XXXX XXXX XXXX XXXX Equifax keeps putting this account on my report after XXXX XXXX XXXX sent me a letter admitting that they were reporting inaccurate information on my report. 
It is illegal for the credit bureaus to put negative items back on your report once it has been deemed unverified or inaccurate.