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

I called the Transunion after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX* on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Transunion not block the going with things recorded underneath which are noting mistakenly a result of extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX Balance : {$710.00}
Product: Debt collection

I am filing this complaint because First Progress has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Debt collection

Today I checked my credit report on XX/XX/2022 because I got a email Alert stating I have a new collection account via XXXX. I opened my XXXX account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my XXXX account so no more fraudulent activity would take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX Bank. I have disputed reporting of this account with Experian XXXX times in last 90 days. The account status shows neither opened nor closed, reports no history, no credit limit or balance. Reporting by XXXX and XXXX are correct. As a result, the credit score calculated and reported by explain is incorrect. Since it is one of my oldest accounts ( XXXX  ) and carries a low balance compared to high limit, my score is being negatively affected. The dispute results with experian are laughable. Nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got two accounts on my Experian report showing up as charge off, this information is inaccurate and violating my rights i wants this accounts remover from my report, this has been affecting me without me knowing for two years and has made my quality of life more difficult by my rights being violated and wrong information being reported. 

Account # XXXX Experian XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount - Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$14000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX these accounts keep showing as charged off on my report when that is not current or accurate.
Product: Debt collection

My PayPal account was compromised by unauthorized individuals. The perpetrators executed two substantial transactions, funneling funds through various PayPal accounts to obfuscate their trail. This activity is entirely inconsistent with my typical usage patterns. 

Details of Unauthorized Transactions : Transaction 1 : XX/XX/24 - {$4800.00} Transaction 2 : XX/XX/24 - {$990.00} These transactions were significantly higher in value compared to my usual PayPal activity, which is predominantly for small family-related payments, never exceeding {$100.00}. 

Dispute with PayPal : Upon discovering the fraudulent transactions, I promptly filed a dispute with PayPal. Unfortunately, PayPal dismissed my claim, asserting that the transactions were consistent with my regular activity. This dismissal was made despite the clear discrepancy between the fraudulent transactions and my typical PayPal usage. I am now facing chargebacks and bank reversals for transactions I never initiated. I have filed disputes for both transactions. 

Now, PayPal has turned over {$4800.00} ( Transaction ID XXXX ) to a private collection agency, XXXX XXXX XXXX XXXX, to attempt to get me to pay it. I do not owe this money, and I insist that all debt collection activities cease immediately. I will be updating the FBI regarding the collection activity. 

I insist that debt collections for this fraudulent activity cease immediately and that any reporting to any and all credit bureaus be corrected and stopped.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have already paid the original amount owed- {$800.00}, and yet am continued to be charged {$140.00} every pay period. To date, I've paid a total amount of {$1900.00}. This type of exorbitant interest is absurd! I certainly am not the only individual who has had this type of experience! Here are the following payments : Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XXXX XXXX, XXXX  - PAYMENT Payment Amount {$140.00} Date Paid XXXX XXXXXXXX XXXX  - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00}
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Debt collection

I am writing to file a formal complaint against CREDIT COLLECTION SERVICE for their violations of multiple consumer protection laws in the handling of my account. The actions taken by CREDIT COLLECTION SERVICE are in direct contravention of several regulations designed to protect consumers. The specific violations are as follows : 1. **Failure to Provide Validation Information** : CREDIT COLLECTION SERVICE has not provided the required validation information for the alleged debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report.

2. **Violation of My Right to Dispute** : I have not been given a chance to dispute the account, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This provision mandates that consumers must be given the opportunity to dispute the validity of the debt before any adverse actions are taken.

3. **Use of Deceptive Practices** : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect this debt. Such practices are in direct contravention of established consumer protection laws.

4. **Unauthorized Reporting to Consumer Reporting Agencies** : CREDIT COLLECTION SERVICE has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. This constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which stipulate the requirements for accurate and lawful reporting of debts to consumer reporting agencies.

The actions of CREDIT COLLECTION SERVICE have caused me considerable distress and have negatively impacted my credit report and overall financial well-being. I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. **Investigate the Practices of CREDIT COLLECTION SERVICE** : Conduct a thorough investigation into the practices of CREDIT COLLECTION SERVICE to ensure compliance with all applicable consumer protection laws.

2. **Enforce Corrective Measures** : Require CREDIT COLLECTION SERVICE to remove the collection account from my consumer report until proper validation information is provided and I am given an opportunity to dispute the debt.

3. **Ensure Compliance with Disclosures and Dispute Rights** : Ensure that CREDIT COLLECTION SERVICE provides all required disclosures and adheres to the right of consumers to dispute alleged debts.

4. **Prevent Future Violations** : Implement measures to prevent future violations of consumer protection laws by CREDIT COLLECTION SERVICE and other collection agencies.

I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance in protecting consumer rights.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

My home which has an FHA mortgage is currently without property insurance. My insurance company ( XXXX ) is charging excessive fees to reinstate a policy that should n't have been canceled and my mortgage company ( Cross Country Mortgage ) delayed paying my premium so it could get kick backs for having to force place insurance. 
I have an escrowed, FHA loan through Cross Country Mortgage. My hazard insurance carrier is XXXX. We closed on our loan in XXXX, 2015 at which time the annual insurance premium was paid. I received a call on XXXX XXXX from XXXX indicating they have not received payment on the renewal for the hazard policy, which would cancel on XXXX XXXX. I called XXXX XXXX a few days later and they indicated it was n't mailed yet. On XXXX XXXX, after checking Cross Country 's and XXXX 's websites and seeing the payment was n't received, I called both parties again and initiated a conference call. It was discovered that XXXX sent the bill to an incorrect address for Cross Country. The overnight address was provided to Cross Country over the phone and Cross Country 's fax number was provided to XXXX to expedite payment. On XX/XX/XXXX, Cross Country received the bill from XXXX but instead of sending it overnight, put the Check No. XXXX in the regular U.S. mail. I followed up with both parties on XX/XX/XXXX and was advised that the check was sent regular mail on XXXX. I spoke with a Cross Country supervisor, XXXX, on XX/XX/XXXX who gave me the check number and promised to fax me a letter that afternoon that I could forward to XXXX to show that payment was made but not yet received. To date, I have received no such letter. My policy was canceled as of this morning ( XX/XX/XXXX ) and there is now a {$50.00} fee should I choose to reinstate the policy. Representatives from both sides indicate there is nothing they can do and to call the other party. A representative from XXXX ( XXXX # XXXX ) refused to waive the fee after I explained the circumstances because it is a " vaid fee '' which " I agreed to when I signed up for insurance with XXXX. ''
Product: Debt collection

This debt agency keep calling my telephone number 24/7 day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documents 3 time to trans union On Account information disputed by consumer, meets FCRA requirements. I've told them I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. That why I'm also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against Tran Union and a lawsuit. 

FTC report number XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Agents for Western Union XXXX XXXX XXXX continuously hang up on customers.trying to fix issues ... .that happen with every domestic money transfer. It takes hours to obtain a correct number to receive money or receive a refund. Money in minutes is absolutely fraudulent tag line. Domestic transfers are all fraudulently given incorrext number. Company needs to be disbanded and fined for their actions
Product: Checking or savings account

I had a phone scam and transferred {$890.00} thru XXXX. I reported the fraud immediately to my bank and I received a letter from Bank of America would not reimburse the funds. 
I do not understand why my money isnt protected by the Electronic Fund Transfer Act of 1978. Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. XXXX, XXXX and Transunion. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report.
Transunion ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
Product: Credit reporting or other personal consumer reports

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/2024.
Product: Credit card or prepaid card

I have XXXX  in points with American Express.I called them to ask what I had to do to get reimbursed for airfare.They told me to just charge it to my card and then call them back for credit.At the time I was told that my points would easily cover the airfare of $ XXXXMy airfare was booked through a travel agent/ tour operator called XXXX.I called Amex and it was very difficult to get to the right person and was told that because XXXX included my airfare in with the tour package I could not get credit as the amount was over what my points would cover.So I had XXXX reissue the airfare amount as a separate charge.So today XX/XX/18 I recalled Amex to get credit.After a few very tedious conversations I was told that my points would not cover even the {$6700.00} which I was told a few months ago it would.First of all they do not clearly disclose the value of these points.Searching on the internet it said the points are worth 1.8 % which would give me about {$10000.00} in value.I was told by Amex that the XXXX points would not even cover the $ XXXX.The reason is they discriminate against how you purchase the airfare by valuing reservations made by Amex more then other agencies.So the Amex user is disadvantaged by using a travel service other then Amex when it comes to rewards points.Of course this was not disclosed to me when I initially called them to ask for guidance.Amex has a complicated set of poorly disclosed rules set up to restrict rewards redemptions.Just a horrible customer experience for anyone.One would think that a 40+ year customer who has charged millions of dollars would get better treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX  ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.