23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland credit was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX   Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX. I repeat these are only missed calls and they are all from Midland credit in the last few days
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment bureau is double reporting on my credit. They are reporting the same account XXXX XXXX is reporting. This in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months the balance reported from XXXX XXXX has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. XXXX then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/2021. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called Transunion and explained this on XX/XX/XXXX. They told me the case will continue til XXXX verified the amount owed. I wake up XX/XX/XXXX XXXX to an email saying Transunion checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXXXXXX XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some Things are incomplete and inaccurate. And to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 from the file of the consumer, or modify 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know
Product: Debt collection

IQ Data International - reference no. XXXX on behalf of XXXX XXXX XXXX XXXX claims debt owed in excess of {$800.00}. I have disputed this debt as allowed by IQ Data and have received no indication of why the debt is owed. 

I have disputed the debt and provided proof of full payment through the end of my lease. Disputes sent to IQ Data on XXXX and again on XXXX. Sent via certified mail and I have copies of the documents that were sent. 

IQ Data has since filed a negative report to the credit agencies.
Product: Credit card or prepaid card

I applied for an American Express XXXX XXXX XXXX ( XXXX ) credit card that was supposed to come with a XXXX XXXX point sign up bonus. I applied 6 months ago and met the terms for the sign up bonus about 5 months ago. I have still not received the points. I have called several times ; the last time I was told the points would be expedited to my account the next business day. A month later, I still do not have them. I have not been able to book planned vacations using the points on both the XXXX XXXX  XXXX and XXXX XXXX because they have not come through yet. American Express simply says they are aware of the issue but they can not give me a resolution date. Now I am turning to the CFPB for help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit Bureaus, experian and XXXX  on several times regarding some accounts reflecting on my reports that were fraudulently open and do not belong to me. I have sent many letters, complaints and called on many occasions to remove these accounts listed below that are hindering my credit. I am fed up. I did not open these accounts and I should not be punished for this. 

1.Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX Account Number : XXXX 4.Account Name : XXXX XXXX XXXX Account Number : XXXX 5.Account Name : XXXX XXXX XXXX Account NumberXXXX 6.Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX I WOULD LIKE THESE ACCOUNTS DELETED FROM MY REPORTS IMMEDIATELY. THANK YOU
Product: Debt collection

CommonWealth is reporting a debt on my credit report and NEVER NOTIFIED ME PRIOR TO INACCURATELY REPORTING THIS INFORMATION. 
Today it shows : COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$790.00} 0 % paid off Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$790.00} {$790.00} Payment Info Original loan amount {$790.00} Balance {$790.00} Updated on XX/XX/2019 No other identifying information that proves this debt belongs to me. I would like this matter to be investigated further because I never received a written notice of my right to dispute per FCRA, they are not doing their job.
Product: Debt collection

I received a collections account on my credit report from Midwest Recovery Systems in the amount of XXXX dollars for a XXXX. 
I have not taken out any payday loans and have no knowledge of this account. I tried to dispute it through XXXX XXXX however it came back saying the information is correct. This is not my account and I'm not sure how it came on my report. I recently received emails about possible identity theft through businesses whom had their files hacked. This is absolutely not OK and i am not sure how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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.
Product: Mortgage

I recently sold my home at XXXX XXXX, Washington MI XXXX & paid off my LoadDepot mortgage. 
I refinanced my home with LoanDepot in XX/XX/XXXX. I contacted LoanDepot in the summer of XX/XX/XXXX when I received notice from HUD that during my refinance, their title company FNTitle, missed a lien on my property for {$37000.00} filed in XX/XX/XXXX when I went through a modification. HUD demanded payment in full. XXXX advised this lien was forgiven when I contacted then for a payoff to refinance. XXXX advised since I had made my payments on time for a minimum of XXXX years, HUD had forgiven the portion set aside. The HUD representative I dealt with, advised XXXX had been telling everyone the same thing. XXXX did not disclose the lien on LoanDepot 's closing statement. Both these actions made me believe I did not owe this money. I sold my home in XX/XX/XXXX, and was also surprised that XXXX company missed XXXX {$15000.00} lien filed in XX/XX/XXXX by my ex husband, XXXX XXXX My ex had told me he wrote this debt off but obviously did not as I had to pay THAT LIEN as well when I closed on my sale of my XXXX home. Had either of these liens been disclosed or acknowledged by me, on the closing statement, I would not have completed any refinance on my home with LoanDepot or any other company. Needless to say, I would not have QUALIFIED for any refinance had these debts beed discovered and/or disclosed. I paid LoanDepot, {$7300.00} to refinance my home for which I did not qualify. This amount included {$860.00} for a title search to their title company for which I was not named as an insured! I also paid an attorney {$970.00} to try and fight the HUD debt which also failed. 
At this time, I am requesting a full refund of my closing costs as LoanDepot did not disclose these liens and did not disclose or process a full title search, I paid for. I believe LoanDepot did this intentionally to collect {$7300.00} in funds for refinancing. A title company missing one lien on a property might be a mistake, however unacceptable. When they miss XXXX liens on a property, I believe I have been a victim of fraud. I contacted LoanDepot on XX/XX/XXXX to request a refund of my closing costs and gave them until XX/XX/XXXX to reply. To date I have only received an acknowledgment
Product: Debt collection

Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. These accounts were recently removed from my credit bureau, then placed on. STOP DOING ILLEGAL THINGS, SCAMMERS! This company purchased a debt that no longer exists. There are three accounts they acquired one from XXXX XXXX, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.
Product: Credit card or prepaid card

American Express is processing a payment that I am asking them to stop. They have tried processing the payment once, and when that did not go through, I asked them to stop, take the money out of a different account. Now they have debited my account with full payment and are still trying to debit the other account that I have requested  three  times for them to stop. They have had opportunities before the payment was processed again to stop it. They will not contact ACH or compliance and simply state that they can not do it. The only way to stop it is if I put a stop payment from  XXXX   XXXX , which is not fair to charge me a stop payment fee when I am asking American Express to stop payment from that account. I am not the only person who has this problem with them, as stated by the call center supervisor,  XXXX . Obviously, they are not protecting their consumers by not allowing payments that have not been processed to stop. Rather, now I  may  get charged a NSF fee as I have to wait for the payment to go through three times, when I asked for the payment to not go through after the first time.
Product: Credit card or prepaid card

On the day a payment was due my purse was stolen at XXXX XXXX in North Carolina. My purse had my credit cards, drivers license, XXXX XXXX XXXX XXXX  phone and some other things. I was without a phone for 2 days I didn't get my duplicate drivers license back until XX/XX/2023. I had no way to communicate with any app or pay any card bill due to this happening. and Afterpay has failed to work with me on this matter knowing that it was beyond my control. They are unwilling to cooperate and each member that responds to my messages all just be all over the place with talking and not understanding the issue.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

Equifax has failed to do a proper re-investigation according to FCRA. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX XXXX account numbers ending in XXXX and XXXX are fraudulent accounts and are reporting with different information on all from XXXX, XXXX, and Equifax which proves there has been no proper investigation done. Equifax is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). 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 promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted TransUnion regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX 's Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold XXXX responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email : XXXX ). I firmly believe that this limitation was a result of an error, as I am confident that I have not violated any PayPal policies or engaged in any suspicious activities. 

I have been a loyal PayPal user and I have always strived to comply with all the terms and conditions outlined by PayPal. As an honest and law-abiding customer, it came as a shock to me when my account was permanently limited. 

I kindly request that PayPal re-investigates my case thoroughly to verify that no violations have occurred from my end. I assure you that there must have been a misunderstanding or misinterpretation of the account activity that led to this unfortunate situation. I am more than willing to cooperate fully with any further investigation to clear up any doubts regarding my account usage. 

My PayPal account is crucial for my daily transactions and financial operations, and I earnestly appeal for its restoration. I understand that security is of the utmost importance to PayPal, and I wholeheartedly support any measures taken to protect the platform and its users. However, in this particular case, I firmly believe that an error has been made, and I hope that you will give it a fair and unbiased reconsideration. 

I sincerely appreciate your prompt attention to this matter and the opportunity to present my case. Please do not hesitate to reach out to me if any further information is required to facilitate the investigation process. I am committed to resolving this matter and continuing to use PayPal responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.