23daVinci/CFPB_Complaints huggingface dataset:
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. 


XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX  XXXX XXXX Date reported : XX/XX/year> Date assigned : XX/XX/year> Account status : Unpaid Amount : {$290.00} Has violated my rights. 

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 too believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, Transunion, and XXXX are in clear violation of the law under 15 USC1681B. XXXX is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The original creditor is XXXX, however, XXXX provided an account breakdown with a discharge date of XX/XX/XXXX. XXXX PURCHASED the debt on XX/XX/XXXX per the company 's response to the initial CFPB reporting on XX/XX/XXXX. XXXX violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. According to 15 U.S. Code 1962e ( 8 ) communicating, or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. XXXX is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector who bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.
Product: Credit reporting or other personal consumer reports

FTC Report Number XXXX Didn't authorize inquiries on my report
Product: Credit card or prepaid card

I had 3 cards with Bank of America. I closed 1 due to a recurring fraudulent charge. B of A closed all 3! I've been a customer since 'XX/XX/XXXX & always paid on time, most of the time bringing balance down to XXXX. Contacted them - they had the nerve to say I should reapply! On 1 of  the accounts, I owe $ XXXX, but since they closed it, I now owe that amount to be paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent in a request to Equifax to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by Equifax which is incorrect. 

Moreover, XXXX has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX account on my credit report from Trans Union claiming that is mine. It is not. Someone opened a account with my permission. I'm a victim of credit fraud. I have put a fraud alert to all credit reporting agencies. I have disputed but Trans Union said that it is verified as accurate. I have attached the dispute results letter from Trans Union. Please assist me with the issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Product: Mortgage

we have a loan and need our escrow redone and they have every excuse why they cant do it. i received a new tax bill back in XXXX and submitted it. they keep telling me 5 days to to redo escrow 5 days go by and still nothing i have called every week for a month. I am at a loss at this point. Amerisave mortgage can not get it together. supervisors are rude and the customer service agents have not clue and feed you different lines all the time. if they redo my escrow i will be paying XXXX less of month due to paying out of state taxes and now paying resident taxes. i have letters stating the redid the escrow and still my payment has not gone down thanks for any help
Product: Money transfers

I wanted to purchase a video game add-on from a seller on a website forum. We agreed to make the transaction through Paypal and once the money was received the seller was not responsive. He constantly avoided any questions I had. Overall, the whole deal was a scam. I am sure the seller has done this to many other unaware buyers. The overall amount lost was XXXX XXXX I would at the very least like the CFPB to contact this individual to make him stop scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not open the accounts and have an unauthorized inquiry reporting as well. Please see FTC report attached.
Product: Debt collection

XXXX who owned the pines at XXXX XXXX sent me a notice that I owed money after they applied my deposit to damages at the apartment I rented. I sent back evidence that the report they gave me was false and had information I could disapprove on XX/XX/2019 and they agreed over the phone to research the matter as they may have wrongly withheld my deposit. 

They instead sent me no more correspondence and instead sent my alleged debt to columbia debt recovery who then sent it to the genesis collection agency. I have told both Columbia debt recovery and genesis the report and debt was false and I have evidence but they refuse to listen and keep sending out the fraudulent report.
Product: Checking or savings account

XXXX closed my account and took position of my money when I contacted them the local branch had no idea why it was closed or where my money was. They said they would look into it and call me right back. 
After 2 days I had to call back but they could not tell me where my funds where. And after talking to them I realized that had informed them on XXXX different occasions but they never changed my address. The manager said he would contact the main office and find out where and when I will receive my funds. I have now waited a week and I have not heard from them. 
The bank is XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act XXXX account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXXXXXX Validate AccounXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX OF XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved and canceled XXXX XXXX cable. I paid my bill up to the time where my service period lapsed and I was paid up. 

I was informed despite never agreeing or being told that XXXX does not prorate and would charge me for a full month of service I did not use. I decided I'm not giving a large corporation a free month of service and never received any prorated refund, which is incredibly common and simple for a large company of their size to implement. 

I have since received a derogatory mark on my credit score. I won't pay this, they have a monopoly on the area and take subsidies from the government and then won't even do a simple prorate when you cancel service because you moved. The price of the service is high compared to many other countries yet speeds are slower and not sychronous, why? Why do I pay more and get less AND I'm expected to pay for a full month of service when my period lapsed by a few days. 

I refuse to pay it and will dispute it until it's resolved or is pulled from my report. All utilities should automatically do prorates since people do not know when they will move and can not predict it exactly and it should be illegal to write this in any terms of service. I was never informed of this and signing a long, complicated legal document for the only provider available in what is effectively a monopoly is should not be binding when unreasonable ( no prorating policy is unreasonable ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.
Product: Debt collection

I had a loan through Advance America prior to XXXX. In XXXX, the debt was included in my Chapter XXXX bankruptcy. They continue to sell by debt to other collections companies. The most recent one that calls is XXXX XXXX. I have explained multiple times to multiple agents that this has been XXXX but they continue to harass me. They called twice today and XXXX other times in the last week. This is in direct violation of the law. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX born XXXX and I am a victim of identity theft. Please see the FTC report for your review
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed all of the necessary paperwork to have accounts removed from my credit report that do not belong to me. Equifax has failed to respond to my request and investigate these accounts. This is killing my ability to buy anything at this point.
Product: Money transfer, virtual currency, or money service

I have purchased a product on XXXX and used Paypal services to pay for the item. It turns out the item was misrepresented and I requested a full refund. The buyer accepted to refund the full amount without requiring the buyer to return the product. 

All of the communications including a picture of the PayPal screen showing that Paypal will be refunded to the buyer. However, Paypal representatives are refusing to refund my money for the amount of {$49.00} as they have mentioned in the chatbox. They keep saying that the buyer must return the item in order to get a full refund. 

The Buyer asked the Seller to send a pre-paid postage so the Buyer can return the item and the seller made a decision to not require the buyer to send the item back. The buyer has agreed 100 % refund the money as all communications on XXXX as proof what has transpired. 

The Buyer has asked Paypal via online chat and they are firm in their decision to not refund the total amount because the buyer refuses to send the item back to the seller. The seller does not want the item back. 

It is not the Buyer 's fault to buy an item on line what was misrepresented and Paypal should know that misrepresentation of products online is considered FRAUD and therefore, the Buyer should not be required to pay the postage to send the products back to the seller without a Prepaid postage from the seller.
Product: Checking or savings account

On XX/XX/XXXX my fianc, and I reached out to USAA regarding fraudulent charges, dating back more than a year. When speaking to the representative we reviewed the charges line by line as she entered them into the system. We spent approximately 3 1/2 hours on the phone while she entered each transaction. 
When calling back to check up on these transactions, it was told to us that they couldnt be found within their system. This process had to be repeated an additional two times over the course of three months. The first three calls we were told that somebody from the fraud team would call us back - we never received a call back. 
On XX/XX/XXXX, we called to follow up again. This time we asked to speak to a manager. They stated they were going to transfer us to the customer relations team, as they were the highest level of customer service that could speak with us. XXXX took our call, reviewed all of the information and confirmed they had all of the transactions needed, and we would receive a call in 2 to 3 business days from the debt resolution team. He also explained where the missing notation was needed on the documents being transferred from one department to the other. 
On XX/XX/XXXX. We still had yet to receive a callback and called in to speak with the customer relations team again. At that point we spoke to XXXX, who assured us that he expedited the issue and somebody would get back to us with some sort of resolution. 
The following day, XX/XX/XXXX, we got a call from the debt resolution team, who left a message that they had all the information and they were working on it. 
Finally today we received another call from a representative, again, in the debt resolution department, stating that all of the transactions would need to be entered again, line by line in order to move forward. 
Collectively, we have spent approximately 11 hours in total on the phone with various representatives from USAA. Not to mention the conversations had on there their internal texting system. Besides the antiquated software system they use, their customer service follow up is nonexistent. 
As a XXXX XXXX XXXXXXXX veteran and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not have to fight this hard to get back monies that were fraudulently made - approximately {$5000.00} worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a fax to request my Early Warning systems consumer report to be delivered electronically. As of today, I have not received my report. FCRA laws outline my authority to request these consumer reports so I may review them for accuracy.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XXXX Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In early XXXX, XXXX XXXX placed accounts with Aargon Agency due to non-payment. I was able to verify and pay all of these accounts, except one in the amount of {$260.00}. A statement which showed the wrong account was sent to me, and in XX/XX/XXXX, I asked the company to produce a new statement so that I could verify the amount owed and make a payment. Since then I have received no communication from Aargon, and in calling them on XX/XX/XXXX, they are completely unable to provide a statement or explanation of the debt. Their online account function has no information about the amount of this debt or an accounting of where it came from. 
I have requested, twice now, to be mailed a statement and they have claimed they are unable to do that unless XXXX XXXX sends them a new statement. This has been in process since XXXX, so I have absolutely no trust that they are operating in good faith, and I do not believe they will ever send me an updated statement.