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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX BALANCED {$150000.00} XXXX XXXX XXXX BALANCED {$17000.00}
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason. and they hold my money for 180 days even my costumers got all the items the ordered and they happy with it. and paypal try to stole my money for 180 days after they got all the fees. my paypal email XXXX XXXX
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. 

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 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. 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( 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 in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

Chase bank was contacted on XX/XX/2018 about 3 unauthorized purchases. They " researched '' the charges and then decided they didn't have to honor the card holder agreement. The purchases were not authorized and not made by me and the card was not in my possession at the time of the charges. I am not liable for them per my card holder agreement. They need to honor the card holder agreement. 
Contacting FDIC, AZ state board at this time and county attorney 's office in the future.
Product: Debt collection

Listen to this please In XXXX I was in school I was kid in the XXXX grade going through a lot and I didnt have a job ok next XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX contact me saying that have to pay they have my social number and my email address Im on the phone with telling them I didnt apply to no college campus in XXXX and then I said I was a kid so i dont how yall got my in information I didnt signature nothing an second I dont know where that at an third I havent seen college campus or havent been one and I told them Im not paying for something that not true and I ask them so yall going to make me pay for something I didnt do and they said yes no matter what you do or do got a job and next I had contact them and said Im a police report they said that wont help, i keep telling them over and over I didnt do it in respectful way and they was being rude to me an yes I got rude back Because I dont appreciate someone rude to me and I being nice and telling the truth I should have record them but I couldnt I didnt have other phone, Me and my auntie even told them to check my medical records that proof right there that Im XXXX  I hope and pray yall believe me and I know they going to disagree because they know they wrong for this they could of taking me off of repeatedly over and over telling them I didnt do it but like I said I hope and pray yall believe me and I know they going to disagree because they know they wrong for this
Product: Debt collection

The problem is that I have asked them to call me with a phone number showing and they continue to call on unknown. I have no idea if the caller is really them and refuse to give any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/XXXX and XX/XX/XXXX XXXX it's more than 60days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EXPERIAN AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.
Product: Checking or savings account

I set up direct deposit with this bank and another bank. I had a portion of my check going into XXXX  XXXX XXXX and the other portion going to Robinhood. Robinhood offered early direct deposit so I put the larger portion into Robinhood and on the day Im supposed to be paid Robinhood keeps claiming that theyre waiting on my employer to submit my check which I know is a lie because I talked to payroll and they submitted my check on the XXXX of the month and also XXXX  XXXX XXXX XXXX have any issues with posting my check on the XXXX of the month. Ive reached out to Robinhood 4 times in total and they keep giving me the runaround saying my employer hasnt submitted my check and they have to wait on my employer to submit my check. I have bills due, taxes to be paid and theyre holding over {$3000.00} and claiming they havent received the money. This is a lie and I want some action taken to investigate why they did this
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Experian responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/XXXX & XX/XX/XXXX. They updated XX/XX/XXXXand left XX/XX/XXXX as still showing late. This is an error in their end.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. Transunion claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, XXXX  has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. Transunion you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My girlfriend opened a best buy credit card in 2014. I was denied for being a co applicant. but they told her they would send them a card with my name on it too. because they made me an authorized user. I didnt have access to any account information i couldnt call to pay a bill she had to do all of it. we broke up. and i had her call and take me off the authorized user because we were no longer together. so she did that. but now the credit card late payments are showing up in my name. on my credit. she told me the account is closed now. and that she doesnt even have the card any more. But its showing on my credit.
Product: Mortgage

SN Servicing Corporation Customer service representative refused to report VA Mortgage to all credit bureaus starting from initial month of XXXX over recorded phone line XXXX inhibiting credit score increase eligibility.
Product: Mortgage

XX/XX/XXXX Late Charges, {$160.00} Since XXXX, been charged late fees, we pay our mortgage bill on time Our Mortgage is under Bank of America, for almost a year now the Bank have been charging us fees and late fees but we pay our monthly payments on time. When we try to address the issue with the bank, they keep saying they will get back but never and when we call we get officers behaving like telemarketers and dont help but keep you on the phone until you gave up and the charges continue to be posted in out monthly bill.

Please assist us to settle this grave issue which is affecting us especially at this COVID 19 time with very limited resources. 

Your Humble XXXX Thank you
Product: Debt collection

LVNV has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with LVNV. I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. I want this tradeline removed from all 3 of  my credit reports along with a letter stating LVNV promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. Not only that, this debt has been re-aged and has been time-barred and has continuously been reported. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that LVNV needs to be thoroughly investigated for their illegal practices. If LVNV decides to sell this account or transfer it to another one of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit. I have never received anything from LVNV via mail or from their other companies who call ( Resurgent Capital Services ) etc. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it.
Product: Credit card or prepaid card

I was trying to cancel a credit card on a home depot account that I did not know I was associated to and have not ever had a card for this account, due to legal reasons I can not contact the main user of the account. I recently discovered this card was negatively affecting my credit score. Upon calling ( called on XX/XX/2017 at about XXXX XXXX  EST ) I was not able to do anything because the only ways the representative could look up the account was through : 1 - Social security number, 2 - Account number, 3 - Phone number. 1- Social security number, I have never had this information on the main user 2- Account number, I have never had this information either 3 - Phone number, I have had this phone number deleted for a few years, it may have even changed since the inception of the account. 

After pleading with the rep, he was unwilling to explore any other way to look up accounts, even after explaining the situation a little further. I was very frustrated and stuck with no options. As a national company I am sorely they did not offer any other options or help with this issue.
Product: Debt collection

I have received a letter from the mail on XXXX XXXX from some debt collection company called cbe group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ). They sent me a bill for XXXX for a debt they claim from XXXX. I have never purchased or sold anything on XXXX. The letter I received states that I have 30 days after receiving their notice to dispute the validity of the debt or any portion thereoff, otherwise their office will assume the debt is valid. I believe this company is completely fraudulent and not sure if I should even contact them. Not sure what to do if anything.
Product: Credit reporting or other personal consumer reports

This serves as my formal complaint to TRANSUNION. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XX/XX/2022. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX ACCEPT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Product: Mortgage

The 3 Major Credit Bureaus list me as NOT having a mortgage although, I have submitted supporting documentation demonstrating that I indeed have a Mortgage. The mortgage was transferred from XX/XX/XXXX ( XXXX ) to BSI Financial Services and Partial VA Claim Form clearing a Forbearance that was registered in XX/XX/XXXX was approved.The VA Partial Claim indicates that the amount of the Forbearance is to be added to the current end of my mortgages maturity date and that my mortgage is NOW Current and that I didn't have a payment until XX/XX/XXXX under the new agreement. However, I continued making Loan Payments first to XXXX from XX/XX/XXXX to XX/XX/XXXX and then BSI Financial from XX/XX/XXXX until today XX/XX/XXXX. Loan Payments weren't required under the VA Claim until XX/XX/XXXX, I have continued to make my Mortgage Payments, since telling XXXX that I wanted to end the Forbearance in XXXX. My credit score has been negatively impacted by this. I have contacted leadership at BSI Financial twice asking that they intervene. Both times via email. I have requested that BSI Financial, please reflect the fact that I have a Mortgage with the Credit Bureaus, most recently with an email on XX/XX/XXXX at XXXX EST. All of the information within the Document Center of the BSI Financial online portal is NEGATIVE and none of it recognizes the VA Claim, the new Mortgage with an end date of XX/XX/XXXX. I am barred from electronic payments. I consistently receive statements saying that I owe {$32000.00} due immediately. However in conversations with BSI Customer support I am told " everything is ok. '' They are " working through the issues ''. The " online portal will be fixed. '' and the " Credit Bureaus will be contacted '' and my " Credit Reports updated ''. However, nothing has changed in the past 3 months. There is NO Documentation from BSI Financial acknowledging the VA Partial Claim. There is NO Documentation stating that my new Loan was transferred on XX/XX/XXXX and that payments start XX/XX/XXXX. There is NO Documentation stated that the Credit Bureaus have been contacted. There is NO Documentation with any related " Disposition '' information, or Next Steps or Action Items for me. Please contact the Atty XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX mentioned in the VA Claim if there is a need to verify that the VA Claim was approved.
Product: Student loan

On XX/XX/year> I paid in full my XXXX student loan in the amount of {$6300.00}. That payment closed out the account and brought it to a XXXX balance. XXXX never updated my credit report to show it was paid in full and with a XXXX balance ( last credit report update was XX/XX/year> ). XXXX no longer services the account and it's now serviced by XXXX ( even though account was paid in full and closed prior to being transferred to XXXX ). XXXX still has not updated the credit reports to show that the account is paid in full and closed with a XXXX balance.
Product: Mortgage

In XX/XX/2018 I entered into a mortgage contract with XXXX, they are located in XXXX, PA. On XX/XX/2018, XXXX sold my mortgage to XXXX XXXX XXXX XXXX XXXX  . I was not informed of the sale until the end of XX/XX/2018. My XX/XX/XXXX mortgage payment of {$260.00} was already on it's way to XXXX by the time I received notification that Shellpoint was the new mortgage servicing company. XXXX received and kept the {$260.00} instead of giving it to Shellpoint. Shellpoint has called me constantly about the XX/XX/XXXX payment. I have provided Shellpoint with solid proof that I made the payment to XXXX  who received and kept the payment. I called XXXX and asked them why they didn't send the payment to Shellpoint and I was told it was being processed and would be sent to the appropriate people soon. At this time Shellpoint is now harassing me for the payment that XXXX stole from them. My name and phone number has be placed in their robotic debt collection system. 

I have explained to every person at Shellpoint who calls me that I am not delinquent in my payments and that proof has been provided that the XX/XX/XXXX payment of {$260.00} was sent to and kept by XXXX. 


I should not be harassed for a theft committed by someone else. Shellpoint should call XXXX not me.