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 and XXXX XXXX XXXX # XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this inconsistent off my Experian report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted Experian on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EXPERIAN CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its leg obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Capital One credit card opened. Bank received call in XXXX from someone complaining and asking why the account was closed. This has been destroying my credit and life with it being past the limit with no payments. A vehicle of mine was stolen in XXXX so I only see that as to how this happened. I have no idea which information they used to open the account.
Product: Mortgage

My mortgage servicing was sold from XXXX to Green Tree Servicing LLC. If you want to make a timely payment ( within XXXX hours ) to Gree Tree, you can only do it by XXXX, XXXX XXXX, or pay by phone. All of those options will cost an ADDITIONAL fee. Green Tree Servicing LLC delays bank to bank transfers for XXXX business days which causes late fees. Our mortgage is underwater and we ca n't re-finance to get away from this company. We are trapped. This is an unfair collection practice that takes advantage of people that ca n't afford to go anywhere else. They are charging additional fees on top of the high mortgage payment that people ca n't re-finance or get lowered, creating additional hardship on homeowners that are already struggling to make payments. Also they do NOT provide any information on the loan other than the past payment breakdown. I have no way of knowing what my outstanding principle balance, escrow balance, outstanding late charges, interest rate or taxes paid to date are based on looking at my statement.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my XX/XX/2019 credit card payment to U.S. Bank in a timely manner. The following month I saw that my account had not been credited for the mailed payment. I contacted the company and explained what happened. I was told that the XX/XX/2019 would not show up as a missed payment on my credit reports. Months later I reviewed my credit reports and saw that there was a late pay on my report. I contacted both the 3 credit bureaus and the company in an effort to get the late payment removed from my credit report but with success.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX  : Received a Fraud Alert text from CitiFraud Dept :  " Did you attempt {$1700.00} at XXXX XXXX XXXX XXXX on XXXX Yes = 1, No=2 '' Case # XXXX XX/XX/XXXX XXXX AM : I typed " 2 '' in response to say no. Also followed up with a phone call to Citi to confirm. Citi confirmed the charge was fraud and that there were no additional transactions, cancelled the card, and issued a new card. 

Approximately XX/XX/XXXX : Noticed a charge on XX/XX/XXXX Statement for  {$110.00}. Charge posted on XX/XX/XXXX to the account that was supposed be cancelled by Citi for a purchase from XXXX XXXX XXXX XXXX. Called XXXX XXXX number that was on the statement to dispute charge. 

XX/XX/XXXX : Received call from XXXX legal department who confirmed that charge was not initiated by me. They stated that it appeared to be a fraudulent charge and are taking legal action against one of their consultants who made the charge. They told me I need to contact the credit card company to have the charge reversed since it was fraudulent. 

XX/XX/XXXX until XX/XX/XXXX. Have made a myriad of contacts with CitiBank. Have been bounced back and forth between the Fraud Department and Billing Dispute Center with a final determination in the vendors favor. During that time, also forwarded an E-mail to Citi Dispute Department from the XXXX legal department confirming that I did not make the charge to them. CitiBank has also been unable to or unwilling to provide any evidence to me that I authorized the charge. Contact at Citi also stated that the vendor did not respond to Citi 's inquiries. Why would Citi rule in favor of vendor who did not respond over their customer who has been very responsive and took the initiative to reach out to vendor to confirm that I did not make the charge. 

Additional points. Prior to this transactions, I have not had any dealings with XXXX  in recent memory. The credit card in question was only newly issued in late XXXX and therefore, I could not have been the one to provide the credit card # to XXXX. Additionally, Citi Confirmed on the morning of XX/XX/XXXX that there were no additional charges after the {$1700.00} charge on the card right before they cancelled that card. They should have been responsible for preventing any additional charges to the card from that point on. Apparently they were too slow to cancel the card and at some point between the time at which they said they would cancel the card and when it was actually cancelled the XXXX charge hit the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported a Bankruptcy on my credit report they said was verified by XXXX. 
I contacted XXXX that said they have no such information. Please have Experian remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus XXXX, XXXX and Transunion ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge.

According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided.

In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.
Product: Money transfer, virtual currency, or money service

I received an email from PayPal stating that I can not use my account anymore on XX/XX/2022 because of " risk in doing business with me '' even though I am sure that I did not violate any of the agreements and rules in using Paypal after revising their conditions on their website, and so I assume this is a mistake. I tried reaching customer service but unfortunately they were not helpful at all. This is affecting me significantly since I have been using Paypal frequently and my money is stored in there. I am placing this complaint in hopes of getting my account back restored and allowing me to access it. My email linked to my Paypal account is XXXX XXXX
Product: Mortgage

I began an inquiry into a refinance of my current VA mortgage loan on XX/XX/XXXX. My inquiry was through XXXX XXXX XXXX out of Utah, whom I used to secure my current VA loan back in XXXX. That arm loan was underwritten with XXXX XXXX and is still with XXXX XXXX at this time. As the process began, I signed the initial documents to inquire on XX/XX/XXXX. XXXX XXXX XXXX searched for an underwriter and it was determined that NationStar dba Mr. Cooper would be to whom we would inquire. As the process began to unfold, I was asked from time to time to initial additional docs. At one point, on approxamtelly XX/XX/XXXX, I was instructed to re-submit the entire initial process documents a second time. Approximately 60 days had now passed from the initial contact to inquire, and I had incurred a late payment for the month of XX/XX/XXXX for the first time in years, and I was hit with a {$30.00} fee from XXXX for processing. There had still not been a closing date set or any documents to proceed. On XX/XX/XXXX, I determined that the interest rate Mr Cooper was offering compiled with the excessive delay to close, were not conclusive to my needs. On XX/XX/XXXX I withdrew my application to refinance with XXXX XXXX XXXX, paid the additional {$30.00} fee accessed and was ready to move on with things as they have been for the previous 3 years. On XXXX, I received a letter ( attached doc 1 ) from XXXX XXXX XXXX , who holds a small second mortgage lean for a home equity line of credit I took in XXXX. The letter stated that I needed to submit documents showing I had sufficient insurance on my property. Since this had been in place since XXXX, I was confused as to what this was about. I went to XXXX on Mon. XX/XX/XXXX to inquire. They told me for some reason they had received documents XX/XX/XXXX that no longer listed them as a secondary lean holder. I proceeded to my Insurance company and discovered that NationStar Mortgage LLC, D/B/A Mr. Cooper had submitted documents to my insurance ( attached doc 3 ) effective XX/XX/XXXX, to remove my current mortgage lender and replace with them. Since I had never signed any closing documents, or any other documents outside the initial inquiry, I found this to be a fraud. I instructed my insurance to correct the paperwork to the original lender as of XX/XX/XXXX. Upon further investigation, I obtain the policy change issued by my insurance agent, XXXX, showing this was actually submitted ( attached doc 5 ) on XX/XX/XXXX, well before the request to submit the inquiry documents for a second time was even made by Mr Cooper? It is my position that NationStar, DBA Mr.  Cooper attempted to hijack my mortgage well before any authorization by me to proceed, or any attempt to close the refinance loan was issued. I am filing this formal complaint and wish to additionally inquire if this was even a legal move by Mr Cooper?
Product: Credit card

I have called, emailed and written to Sam 's Club Card/Sychrony Bank in regard to the fraudulent charges made on my card. These charges were made by a lady by the name of XXXX XXXX XXXX. Prior to XXXX XXXX gaining access to my account I have never charged more than {$1000.00} on my Sam 's card as it is designated for grocery purchase only.

Due to identity theft, unauthorized use of two credit cards Sam 's Club Card/Sychrony Bank has decided to ignore my continued calls for them to go after the responsible party. I have even provided them with a police report with XXXX XXXX information. 
I have explained that I am not responsible for charges that I did not make or authorize, but they continue to ignore me.

Prior to this issue, I have been a good customer, never been late, failed to pay or pay short of the required amount. I contacted Sam 's Club Card/Sychrony Bank and asked for them to clear my credit, go after XXXX XXXX, restore my credit limit and reduce my interest rate, but they have refused to do any of what I have asked.

I have explained to them that I am retired, and I am not in financial distress or hardship. I assured them that I am committed to paying any debt I am responsible for, but this account has been infiltrated by another individual and if necessary, they should pursue criminal charges against her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX  and XXXX ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that Wells Fargo is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that Wells Fargo Dealer Services yes threaten us with in XX/XX/XXXX as a result Wells Fargo Dealer Services Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

Wells Fargo Dealer Services along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront Wells Fargo Dealer Services they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

Wells Fargo Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. Wells Fargo Dealer Services should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..
Product: Credit card or prepaid card

THIER WERE 3 CHARGES 2 OF ITEAMS XXXX HAVE NOT BEEN RETURNED TO ACCOUNT STATED AT XXXX XXXX XXXX WAS THE FINAL AMOUT THEY WERE TO SEND ME STATEMENT SHOWING WERE MONEY WENT NEVER GOT THEM PAY PAY I GOT A WORKMAN COMP SETTLMENT DEPOISTED IN TO PAYPAL MY NAME SS NUMBER DRIVERS LICENSE IS ON THE ACCOUT IT ALL MY MONEY AND ACCOUNT
Product: Credit card

In XXXX I made arrangements with the Collections department to settle my account for {$98.00}. This was done in XXXX payments XXXX XX/XX/year> of {$50.00} and XXXX XX/XX/year> for {$48.00}. The account was supposed to be closed. The account remained open and a {$2.00} charge was added, I called to get this corrected since the account was supposed to be {$0.00} out and closed, the company refused because they told me they could not remove fees under {$20.00}, I continued to call monthly to try to get this corrected was told since under {$20.00} they couldnt. Now it is {$22.00} and they are refusing to remove the fees and honor the settlement agreement made.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized inquiries on my credit report, which were processed without my consent. My personal information was compromised in data breaches in XXXX and XXXX, and I recently filed a fraud report regarding these unauthorized inquiries. Additionally, I have sent dispute letters to all three credit bureaus requesting the removal of these inquiries. 

Below are the unauthorized inquiries on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Experian : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I request that the CFPB investigate these unauthorized inquiries and ensure their removal from my credit reports. Given my history of identity theft, I also request additional safeguards to prevent future fraudulent activity. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Product: Vehicle loan or lease

This company repossessed my car in the last quarter of XXXX. They never sent me notice of the impending repossession and I tried working with them on payment to avoid it ( they refused ). After they repossessed the car they told me they would sell it at auction and the amount they received would be deducted from the balance I owe. They have not apparently sold the car because I still owe more than I paid for the car. Notices theyve sent by mail after repossessing show different amounts due - all of which are more than the cost of the car when I initially purchased the vehicle. Ive emailed and reached out through the secure messaging to the company directly, all they do is respond by saying theyre either looking into it or to call them to discuss it. Ive told them many times that I want all correspondence to be in writing only.
Product: Credit reporting or other personal consumer reports

I have ALREADY FILED A PREVIOUS COMPLAINT WITH YOU ALL & YOU JUST BELIEVED WHAT THOSE PEOPLE SAID WITHOUT PROVIDING PROOF! I HAVE PROOF! MESSAGES FROM THEIR OWN EMPLOYEES STATING HOW THEY DONT HANDLE THINGS PROPERLY! THESE PPL HAVE REPORTED INACCURATE INFORMATION TO THE CREDIT BUREAUS & COMMON SENSE SHOWS & TELL THEY'RE LYING ESPECIALLY WHEN THE BALANCE THAT SHOWING ON MY ACCOUNT, FROM WHAT ONE OF THEIR REPS STATED IS TOTALLY DIFFERENT & TWICE THE AMOUNT THAT's BEING REPORTED TO THE CREDIT BUREAU & IT WAS DIFFERENT THE DAY THEY UPDATED BUT YET STILL LIED!! ITS SAD THAT YOU PEOPLE DONT CARE ABOUT WHAT BUSINESSES DO & GO ALONG WITH THEM SCAMMING BEING FRAUDS TELLING LIES & NOT RUNNING A BANK OR CREDIT CARD COMPANY CORRECTLY & FAIRLY!! THEY ADD GHOST INTEREST THAT US CONSUMERS ARE NOT AWARE OF & THEIR REPRESENTATIVES SAID IT!! SHAME ON YOU CFPB! WHAT IS YOUR PURPOSE IF YOU'RE NOT DOING YOUR JOB CORRECTLY EITHER??? ITS ILLEGAL FOR COMPANIES TO REPORT INACCURATE INFO AS WELL AS ANYTHING THATS UNDER DISPUTE YET YOU ALLOW ANYTHING! THEY DONT EVEN PROVIDE YOU WITH DOCUMENTATION TO BACK UP THEIR LIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained a lot with XXXX  about all those inquires on my report that I didnt do and lately I havent been able to reach them. Ive written letters time after time and XXXX.
Product: Debt collection

Received call XXXX asking for a different name but then corrected the name. Wanted to verify personal information. I indicated I wouldn't verify any personal information. Indicated they were calling from Nat. Credit Adjusters and had an offer with only a few days left before it went to an attorney. Advised i didn't know who they were or why they were calling. Asked me to verify my name, DOB, social security number, mailing address. Told them if they had business, please send something via mail. Said they had sent 6 mailings so I asked if they would send another because obviously i hadn't receive the others. 4 days later I receive an alert from XXXX indicating I have a new collection account from NCA with an original creditor of XXXX XXXX. I disputed the account with XXXX because XXXX XXXX had the XXXXXXXX XXXX account and the civil suit was non-suited in court in XX/XX/XXXX. XXXX XXXX and XXXX had deleted the accounts from my credit file. Continued to receive calls from different numbers from Nat. Credit Adjusters. Dispute came back unchanged so I contacted XXXX. Representative from XXXX verified the XXXX XXXX and XXXX accounts were deleted in XX/XX/XXXX and Nat. Credit Adjusters didn't post the account until XX/XX/XXXX. She reopened the dispute. Each time Nat. Credit has called I have refused to provide any personally identifiable information other than my name and have asked they contact me by mail. I have received nothing to date and haven't received anything confirming the validity of the debt. Today, XX/XX/XXXX, they've called again. I wouldn't verify any information, told them I was not liable to the original creditor or them, the case had been non-suited in court with a previous attorney and debt collection agency AND that the debt was in dispute and it was against the law to contact me while the dispute was open and they had NOT sent me any correspondence but have contacted me daily. They have not sent an accounting of the debt, ownership of the debt, or any information concerning the alleged debt. I want them to close the account and remove the collection on my credit file, stop harassing me, and stop the threat of legal action.