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

I pay {$29.00} to gain monthly access to all 3 of my credit reports. Transunion has continually denied me my credit report / Score and access to enter disputes and update my employment status as well as adding a personal statement to my credit report about how Covie-19 negatively affected me. This is my report and I should have access to it. 

I am requesting immediate access so I may dispute inaccurate information online. refusing to allow me to do this has had a huge impact on my credit score.
Product: Credit card or prepaid card

Beginning in XX/XX/XXXX my Discover card was hacked again. This started in XXXX of XXXX. 
The minute I put money in a bank account, cyber-thieves ( beginning with XXXX from XX/XX/XXXX ) got into my XXXX data and began sending fake bills. I have copies. I REFUSED TO PAY after having been an excellent customer. 
Because they hacked my phone and cable. Every browser, every sie site. I could not contact them except to reach a foreign port with foreign people. 
I have proof of my attempt to contact every law enforcement company in XXXX. 
My hard drive had been downloaded-EVERYTHING was compromised. 
I did eventually pay off the card and last year XXXX called Discover for a new card. 
They got my info again. In the past month I received a bill from a law firm asking for XXXX in payment. 
Since then they have a filed a court document. 
This is sickening. 
And I could not get a new caed because by that time my credit was ruined. 
This needs to be FIXED. 

THEY GET IN TO MY STUFF THROUGH My XXXX Please fix this I will be eternally grateful. 
I will gladly go to court with all of my documents accusing a fake Discover hacker. 
Because my phones were hacked, my calls to Discover were diverted. I was unable to reach them.
Product: Checking or savings account

XX/XX/XXXX the account was closed with XXXX dollars in it. They said after 10 business days it would be returned through the mail. It is now XX/XX/XXXX and they are still refusing to locate what is happening with my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to experian along with supporting documents to have accounts blocked as fraud. XXXX blocked the accounts and sent block notification referrals to equifax and XXXX XXXX and neither company blocked the wccounts as required under federal law. I spoke with equifaxs office of consumer affairs and agent agreed that the accounts should of been deleted but ge dant help me.
Product: Money transfers

purchased a phone unlocking service on ebay paid using my paypal balance seller did not render service. 

asked on mail to pay more money without getting ebay involved i refused to pay and ask for refund refused refund too. complained to paypal refused to resolve issue ..lost money no help from paypal or ebay
Product: Mortgage

XXXX XXXX XXXX took {$5000.00}. dollar and they said they were going to help me with bank of America due a modification. when I try to reach out to them no one has answer my calls or emails and the phone does n't work now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discharged bankruptcy in 2008. It is nearing 10 years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between 7-10 years. I have submitted a request for removal before on at least one credit bureaus. The other one ( I think XXXX ) requires a 10 digit code from the item listed on the report. That 10 digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past 8 years and so close to 10 years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX  at XXXX XXXX CST I recieved an email from PayPal Holdings , Inc informing me that my PayPal account features had been deactivated. I immediately checked my PayPal app to see if there were any unknown charges, failed payments, suspicious activity, etc. I proceeded to contact a PayPal support agent who informed me that my account was permanately suspended but would not provide details as to why. I have been actively using my PayPal account as well as PayPal World Mastercard regularly. I have had no infractions, suspensions, disputes, or failed payments.
Product: Credit reporting or other personal consumer reports

I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX Account XXXX Date opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to know whether or not these accounts/data are a XXXX percent accurate. It is hurting my credit file and I need these deleted.
Product: Debt collection

Hunter Warfield XXXX, Fl after reviewing credit I notice debt on my account, no prior information was sent regarding acct. Believe this is fraudulent charges from landlords who take advantage of their tenants. Was told all was ok after moving out. Received Certification of rent paid but nothing regarding debt. Believe XXXX XXXX are making false claims and trying to get others to pay for the wear and tear of their property that they always refused to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is knowingly reporting false information on my credit profile. I do not have a delinquent balance with XXXX XXXX in the amount of {$1400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1600.00} opened up fraudulently on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX to dispute the inaccuracy and errors of XXXX Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how XXXX bankruptcies were reported on public record when I did not complete a bankruptcy. There are XXXX bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/year> XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how Experian, XXXX and XXXX was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all XXXX credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, XXXX and XXXX are in clear violation the FCRA which allows me to sue in State and XXXX XXXX. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed immediately.
Product: Credit reporting or other personal consumer reports

I sent a request via usps certified mail requesting Experian to delete and/or correct all errors including non-mailable addresses, old cell phone numbers, late payments, old employers and any transactions that were initiated by me. I still have errors on my report which Experian has not removed and/or corrected.
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, 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: Checking or savings account

An Ohio Department Job & Family Services data breach a card issued wrongly.
Product: Mortgage

To whom it may concern, I am contacting today because I am trying to make a payment on my mortgage with Wells Fargo. It has been nothing but near impossible to make any sort of payment. I have been avidly trying for 3 days now for hours to get through to somebody to make a payment to. 

I have tried calling in to make a payment, but hold times are easily over an hour. I have called multiple times now and each call has been over an hour long and I get through to nobody. 

They have revoked automated payment system because it is delinquent. So I am unable to call and use the automated payment system to make a payment. 

They have revoked online payment so I can not pay my mortgage online either. 

I have went to a branch, but they only will take cash or a check. I have been doing a transfer payment for 5 years now, and now they will not take it. I am unable to draw the {$1500.00} I was go pay from an ATM for obvious reasons. 

I, and many others, have been waiting endlessly on hold and getting nowhere. I have reached out to a branch, their twitter account that supposed to be for 24/7 customer support is not responding, the bank refuses to do a transfer. 

The options they have given me and all others is must pay cash or check, fill out a form to have them call you which will do no good because I will be in contact with a loan officer, they say to pay online or over the phone but you can't do that because of wait times and them locking people out of paying that way. 

Wells Fargo should not even be allowed to be in business. They say how they are working so hard to help customers out, but as far as I remember it they have been in front of Congress 3 times in 10 years for how they " help '' people. Like when they made all those bank accounts illegally in other peoples names, or helping cause the market crash in 2008, or even here in Colorado holding paperwork until it's late to hold the interest rate ransom. 

I am just trying to pay my mortgage and Wells Fargo is doing nothing to help, but everything they can to make it impossible to pay the bill. I personally think they want this to go over so they can just begin foreclosing and taking all the housing away from the people who actually keep the business going between bailouts they manage to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX
I have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my XXXX XXXXXXXX XXXX FICO link showed that TransUnion shows that my credit score dropped from XXXX XXXX XXXX I have subsequently contacted TransUnion a number of times for an explanation of why the drop ( my credit scores as being reported by the 3 different credit agencies have consistently averaged well over 800 for well over a decade ). Twice I have received TransUnion credit reports since and can find no explanation or reason as to why the score drop, and I am not able to find anyone in TransUnion that can successfully answer the question- and the score continues to remain in the XXXX  range for 5 months. The only thing that has changed in my finance life is the opening of another credit card in the spring of this year. I am not easily able to accept that this simple action on my part has such a dramatic impact on my credit score. I am asking for a full reason/explanation from TransUnion as to why my score dropped and has this remained. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Name : XXXX Last Name : XXXX Email : XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXte : WA City : XXXX Zip : XXXX Country : USA Mortgage Loan Number : XXXX Truist Bank XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX Description of Complaint : On XX/XX/2022, SunTrust withdrew XXXX routine auto mortgage payment out of my XXXX XXXX  checking account. On XX/XX/2022, I received an alerting email from Truist Bank notifying me that the XXXX mortgage payment was returned, asked me to resend a new payment and charged a late fee of {$35.00} on my account. 
Truist emailed to return my XXXX mortgage payment but I never received it, no payment was ever credited back into my XXXX XXXX checking accounts. In XX/XX/2022, Truist took over, my XX/XX/2022 mortgage statement showed there was an extra payment in the amount of {$940.00} categorized as Unapplied Funds. At the end of XX/XX/2022, the XXXX month of the year, the mortgage statement showed SunTrust Bank and Truist Bank had withdrawn a combination of XXXX mortgage payments in the total amount of {$6500.00}. SunTrust Bank and Truist Bank had withdrawn more mortgage payments than they were supposed to, charged late fees on my account, and reported a 30-day late mortgage payment to the Credit Bureaus XXXX Truist Bank knew that it was wrongdoing, unethical practices, and in violation of RESPA to file a misleading report to the credit Bureaus, Truist XXXX late report had caused tremendous collateral damages to my financial wellbeing. My credit scores were excellent and in the XXXX range, after the 30-day late report, dropped down to XXXX and in the poor range, that is XXXX points dropped. My life was completely turned upside down because of Truist Bank misleading report. I cant apply for credit, can't refinance my home, and deny the work contracts. 

Dear CFPB Authorities : I filed this complaint to show you that I was treated unfairly by Truist Bank. Truist Bank received my payment from SunTrust Bank, 18 days later sent me an alerting email to return my payment, asked me to send a new payment, and charged {$35.00} late fees on my account. I was not late with my mortgage, but Truist Bank was clearly in violation of the RESPA Act, knowingly consumers allowed 60 days grace period as the merger transitions taking place, payment can not be treated as late and no late fees can be charged. 
My credit report took a big beating after Truist Bank filed a misleading report with the Credit Bureaus. 
I demand Truist Bank immediately remove the harmful items from my credit report. Inform the Credit Bureaus of the incorrect items and my payment removes them from my credit report. 
Thank you CFPB Authority. 

Sincerely, XXXX XXXX Desired Settlement : Contact by the business ; Correction to a credit report ; Refund
Product: Debt collection

Hello, I received a letter from the Law Offices of Maury Cobb. I spoke with a gentleman named XXXX XXXX. He explained that I had a collections account with XXXX for XXXX. I explained to him that it was not possible as I was not under contract ( ten year customer ) at the time I left tmobile. He said he had no information and that this is a law office and there is a judgement against me to take the money and that I must pay. I called tmobile and they did not have any information on me and said that Maury Cobb had purchased my account. From my research I have seen that XXXX XXXX has had substantial litigation and claims against him for false debts and tactics. I have sent letters to all XXXX credit agencies explaining the situation. I also included letters from the department of homeland security and office of personnel management stating that my social security number and other identifying information had been compromised. This has been a long battle and I am trying to restore my credit. XXXX XXXX XXXX 's office has not been helpful in the least. 

Respectfully,
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth In Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Money transfer, virtual currency, or money service

I have an account with Paypal Credit. I have multiple Promotions on the account. They do not have a way to allocate your payments online so they tell you to chat or call in. I have a promo that ends XX/XX/XXXX so I wanted to pay it off so I do not have to pay any interest. I got on chat with two different people. I was told to make the payment and they would allocate it. Once I made the payment they told me that the payment would go toward next months bill and I had to pay more if I wanted to pay off my promo and not be charged any late fees.This is just not right. They do not want you to pay off the bill so they can charge you fees. Something needs to be done.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information related to the XXXX XXXX XXXX XXXX account on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA.

Cases like Cushman v. Trans Union Corp. ( 1997 ) and Thomas v. Trans Union ( 2002 ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive proof of the dispute investigation from Experian ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Product: Credit reporting

I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State.