23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I RECEIVED THE EIP VISA DEBIT CARD FROM US GOVT. 
I FOLLOWED INSTRUCTIONS TO CALL XXXX. MULTIPLE CALLS RESULTED IN SAME INSTRUCTION TO ENTER A PIN ON AUTOMATIC MENU, NO AGENT SERVICE. ACCORDING TO INSTRUCTIONS ( on line and written info ), THE AUTOMATIC MENU IS SUPPOSE TO ASK ME FOR LAST OF SS #. 
I NEVER HAD THAT OPTION. 
I TRIED UNSUCCESSFULLY TO REGISTER ON LINE BUT WAS UNABLE TO ESTABLISH A PIN. I WENT SO FAR IN THIS FUTILE PROCESS THAT I REGISTERED WITH THE BANK, MONEY NETWORK, IN THE HOPES TO BE ALLOWED TO ENTER A PIN FOR THE DEBIT CARD. I HAVE TRIED CALLING THE MONEY NETWORK BANK BUT CONTINUOS BUSY SIGNAL. I DO NOT WANT TOBE PART OF THIS BANK 'S SYSTEM. VERY POOR CUSTOMER SERVICE. 
I WOULD GREATLY APPRECIATE HELP IN GETTING A PIN IN ORDER TO USE THE EIP  CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - experian, XXXX  and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, experian and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.
Product: Credit card

I made a return to XXXX XXXX in XXXX NY. I didn't receive a refund or proof of refund from the business so I filed a dispute with Citibank. Citibank showed a refund in my account from the business and I received a receipt from the business for the refund, so I cancelled the dispute. I then learned that it wasn't actually a refund, it was a conditional credit from Citibank that was then taken back from me when I withdrew the dispute. Citibank says there is nothing they can do because once you close a dispute they can't reopen it. The business says there is nothing they can do because they issued the refund to Citibank. I have no idea what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with Sallie Mae and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I paid off my XXXX card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of an accounts currently being reported on my credit file ; Collection account from XXXX XXXX with account # XXXX and a balance of {$19000.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX XXXX XXXX report there are XXXX late payments being reported. 

XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

These accounts contain inaccurate and unverifiable information, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

This dispute has been previously filed under TransUnion Dispute Number XXXX, yet the issue remains unresolved. Furthermore, I was affected by the XXXX data breach, which compromised my personal and financial information. Due to this breach, unauthorized accounts and inaccurate information may have been added to my credit file without my consent. Given this fact, it is imperative that this account be removed immediately as it can not be definitively verified as legitimate. 

Additionally, I have requested debt validation from XXXX XXXX XXXX, and they have failed to provide sufficient documentation proving that this account is valid or that they have the legal right to collect it. In accordance with the FCRA, TransUnion must conduct a reasonable investigation and remove this unverifiable account from my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable Investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

Below is a list of accounts I have marked as inaccurate ; XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.

Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



Please review
Product: Debt collection

I did not give creditor to sell my information. I was apart of a data breach.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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: Checking or savings account

I have been using PayPal for a very long time, and have always trusted that they would look out for me as their customer. Yesterday, a foreign address charged me for some product that I absolutely did NOT buy, and charged my bank account that is linked to PayPal. I filed a dispute, stating very clearly that I did NOT authorize this purchase, and PayPal took the side of the foreign company!!!!! I went directly to my bank, showed them the transaction, and they immediately knew that this was fraud, and my banker told me that this " should have been obvious '' to PayPal. Now I am wondering if someone at PayPal broke into my account to try to steal from me. I am currently discussing options with my attorney regarding this matter. I am VERY upset. DO NOT USE OR TRUST THEM!!!!!! PLEASE!!!!!!!! They WILL absolutely steal from you!!!!!!!!
Product: Debt collection

In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. Experian is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ) violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Product: Credit card or prepaid card

I have a Capital One Platinum Mastercard Secured Credit Card ending in XXXX under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. I closed the account back in XXXX, 2018 and asked for the secured deposit to be returned. They said it would be a 14 day wait. I have called numerous times since then and am always told they will open up a ticket and I must wait 14 days more. The day before yesterday I was told on a recorded line that I would get back my {$200.00}. This is considered an oral contract. The next day when I called the new agent said they can not find the funds and refuse to send the signed receipts of charges against the account and said I needed to wait for another investigation to see whether I would even receive a refund.d This is considered a breach of contract. How could I have a secured credit card without funds behind it? I was on the phone yesterday for over 1 plus hours, transferred to four different departments and the last operator said she did not have a manager and could not transfer me to a person of authority. She said she would hand it over to yet a fifth department and I would have to wait and see. I have spent many hours on this project and have not received my own money back given in good faith. This run-around and getting different answers borders on illegal activity and certainly poor customer service and gives little accreditation to this institution and let the buyer beware before opening credit accounts with Capital One Bank.
Product: Vehicle loan or lease

Dear Hyundai Motor Finance I, the consumer and natural person, was denied credit by Hyundai Motor Finance l when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Hyundai Motor Finance due to the response I received. Hyundai Motor Finance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Hyundai Motor Finance. If Hyundai Motor Finance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Hyundai Motor Finance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

This will be my last attempt to resolve what I believe to be fraudulent activity by OCWEN. 

According to the loan modification documents, late charges would be eliminated. In addition, the 2nd lien filed with the Treasure Department for reimburse was erroneous filed. From the beginning of my complaint, Ocwen received duplicate payments from the consumer and Treasure Department for the 2nd lien filed.

Attached please find my payment history to Ocwen. It will confirm late charges included with the loan modification in addition to the 2nd lien filed with HUD. I am requesting payment in full for the 2nd lien, erroneously interest charged and unapplied payments.

If a resolution isn't reached, the next step will be DOJ, Treasure Department or Whistleblower. I find this behavior despicable when consumers work so hard and trusting a regulating industry to ensure consumers are protected. 

Please call me at XXXX ( home ) or XXXX to reach a settlement. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts appeared on my credit report I didnt authorize. I filed a dispute with XXXX and Equifax and they didnt remove the inquires. The inquires are not connected to an open account and I didnt authorize these companies to run my reports, which is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked XXXX, Equifax and XXXX to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct.

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.

I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX