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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, 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 This inquiry was not authorized by me.
Product: Mortgage

Credit Report Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Disputing personal information Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors.

Need a dispute resolution quicker?

All of your credit report information is reported by your lenders, so incorrect or incomplete information may be resolved more quickly if you dispute directly with them. And remember, inquiries can't be disputed online. 
Reports XXXX Potentially negative XXXX Accounts XXXX XXXX XXXX XXXX Personal information XXXX Hard inquiries Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as " MEDICAL PAYMENT DATA. '' Consumer statements included on your report at your request that contain medical information are disclosed to others. 

XXXX XXXX XXXX If your report contains public records, the XXXX XXXX section includes items from courts that XXXX XXXX have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit https : XXXX. 

Know your rights A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Continue Reading En Espaol Para informacin en XXXX, XXXX www.consumerfinance.gov/learnmore XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Hard inquiries XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries
Product: Credit reporting, credit repair services, 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. 
DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED 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, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see Equifax stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account ASAP : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have four federal student loans serviced by XXXX / Dept of Education. These loans have been in forbearance since the beginning of the initial repayment period. 

My credit reports four late payments on four each of these loans, totaling 16 late payments in my credit history ; a very damaging number.

Forbearance was granted retroactively to cover the dates of these late payments, however in educating myself on the subject, I have found that XXXX XXXX refusal to update the reported payments as " no payment due '' and remove these derogatory marks from my record in conjunction with their willingness to extend the forbearance for that period, in clear violation of the FCRA Notice to Furnishers of Information : Obligations of the Furnishers Under the FCRA. 

I find this also to be in violation of the Higher Education Act which dictates : " as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a backdated deferment and forbearance that converted the original period of delinquency into a period where no payment was due ( Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. 

I am a hardworking individual who attempts to make responsible choices, and my creditworthiness is not reflected accurately as a result of this error in reporting. This unfairly affects my ability to obtain credit, housing, and even employment.
Product: Credit card

Macy 's department store double billed us for a {$180.00} mattress pad and refused to drop the erroneous charge until after XXXX or XXXX billing cycles has passed. We pay our credit card account balances in full. By Macy 's refusal to remove the erroneous charge, we fear being charged interest for an item that we did not receive. Macy 's credit was extremely difficult to work with as it took XXXX phone conversation attempts to speak to a knowledgeable person to help resolve the issue. At XXXX point, we were forced to go to the store location where the erroneous charge was made and call Macy 's Credit while in the store. The Macy 's associates that we spoke to were unprofessional, extremely rude, and more concerned regarding caller authentication in lieu of the issue. We requested that a formal claim be opened to address our issue. After much push back from the Macy 's call center associates, we were provided with the following case / claim number : XXXX. We have no confidence that this matter will be resolved in a timely and correct manner. I look forward to your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report. The account in question is XXXX from XXXX XXXX and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my credit score, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.
Product: Money transfer, virtual currency, or money service

Paypal charged me XXXXUSD they kept for 180 Days After account suspension. 

After my account was frozen, PayPal has taken the entire money frozen in my account. No communication and no emails about the money stolen. When I enquired - I got an auto-generated email. 

I have read the PayPal 's Policy Policy before signing up for PayPal and strictly follow PayPal 's Policy when using it. 

However, PayPal said I violated their Acceptable Use Policy but never tell which action violated, I am sure I never did anything violated Acceptable Use Policy. And they stole all my money saying it was compensation for their loss. 

Please tell me which of my actions or transactions violated PayPal 's Acceptable Use Policy and caused losses, if not they should return my money! 

I called paypal and they always give me an email to contect, and I kept sending emails and messages to PayPal, they always reply the same thing. 

And their contracts are unconscionable, for example, if your transaction that violated the AUP was for like {$30.00}, and they charge you {$2500.00} for it ( or worse, empty your whole account ). For example ( I put this legal case in Attach documents ), There's a good case study in Delaware 's view of " unconscionable contracts ''. I think a solid argument using the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX can be made.
Product: Debt collection

Initially, XXXX XXXX failed to bill my insurance and billed me. I received a bill ( account number XXXX ) and immediately called XXXX XXXX to ask them to bill my insurance ( which was phone recorded by XXXX health and can be verified by them ), they then billed my insurance with a different account number ( XXXX ) and sent me the bill which I paid and received confirmation from XXXX that i have a {$0.00} balance with them. Again, all this can be verified by them and their phone recordings Billings and receipt of payment. I do not owe any debt. Please verify this true information with XXXX XXXX. I can be reached at XXXX.
Product: Checking or savings account

XXXX XX/XX/2023 I was in XXXX in XXXX Georgia and my debit card with Branch Bank was ran three times and it was {$55.00} over what they should have ran it for I immediately brought that to their attention before I even left the store and they said oh well if you look at the receipt truly they only had two transactions that came out not the XXXX and that it would take 24 hours for them to clear their system anyways and I would have to get with my bank. Did that and they're telling me it could it's going to be 90 days I don't see how that is even fair I mean this is not my error that one of them messed up I mean I gave them the contact information pick up the phone and call I mean y'all have technology and why why do I have to suffer I'm unemployed my power got cut off because of this I mean I have gone through just trying to get answers from these people and I'm getting the runaround they can't even tell me how they're trying to contact the merchant All they're saying is they're trying to contact the bank well it doesn't take that long to contact the bank I mean shouldn't be like this I shouldn't have to suffer they need to give me a temporary credit like everybody else in America gets I feel
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.
Product: Mortgage

Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX. 

They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines. 

XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible. 

He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize. 

1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place. 

Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors 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 to me 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 XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX,
Product: Checking or savings account

I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money.
Product: Credit card or prepaid card

My credit card bill is due on the XXXX of the month. On XX/XX/16 I went online to dispute a charge and to pay my credit card bill. I was disputing a charge and it took longer time than I thought. The delay pushed me 1 minute past the due time of Eastern Standard time thus making the payment late. I am on central time and find the practice of holding customers to a different time zone to be unfair business practices. I reached out to my credit card company at XXXX to see what they could do and they could offer nothing to resolve the {$29.00} late charge for 1 minute. They did reverse the interest charge of {$22.00}. I find the whole practice to be a scam especially for 1 minute to charge {$29.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a follow-up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested multiple times that you verify the accuracy of the information reported by this furnisher. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Product: Debt collection

On XX/XX/XXXX, I suffered from a possible allergic reaction, including XXXX difficulty. Accordingly, a relative drove me to the emergency room at XXXX XXXX XXXX in XXXX, Georgia. 

I incurred {$6200.00} in total charges, offset by an adjustment of {$3600.00} for having no insurance, leaving a balance due as of XX/XX/XXXX of {$2600.00}. 

On XX/XX/XXXX, I obtained a letter from XXXX XXXX XXXX, indicating my approval for 100 % discount from the Georgia Indigent Care Trust Fund, retroactive to XX/XX/XXXX. 

I have shared this letter Indigent Care approval with the billing department at XXXX XXXX XXXX on multiple occasions. 

Nevertheless, the XXXX XXXX XXXX sent the account for collections to XXXX XXXX XXXX. I have shared the XXXX XXXX approval letter with XXXX XXXX XXXX. 

As of XX/XX/XXXX, the charge appears on my credit report from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.
Product: Credit reporting or other personal consumer reports

I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so.

NAVY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX