23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have used their service to send money to people for goods and services and i sold something through their website and they told me I would get my money today on XX/XX/19 to my bank account and i wake up to my account being closed and no money being in either my bank account nor my venmo account and they have not helped ..they have been telling me to contact the person who sent me the money and the money was last sent to my account and should have been refunded to my account if they we unsuccessfully able to deposit it ..which i am now short my {$800.00} that was sent using their service and i have no way to contact that buyer again as they closed their account as well as mine.
Product: Money transfer, virtual currency, or money service

Paypal.com tell me i need to give copy of driver license, copy my social security number, just to open account. Which i been with PayPal for 10years, then I close business, then i open personal so can buy on XXXX. I been buying on eBay without using PayPal because all XXXX they keep telling me i need to do. XXXX been sending my stuff to same address i give paypal, paypal say 's i can't use address, and give them copy of my electric, gas bill. Well about 5-10 years ago paypal Refused my Social Security Number, saying its not mine. Supposedly it belongs to there employee, i told paypal to give me more information so i can turn to law enforcement. But paypal asking for to much information to open account. Other people i know never had to give copy of their license, SS # .please help me!
Product: Credit reporting

All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after 2 CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to to open a XXXX XXXX  credit line. 

Equafax was notified it was fraud from the credit provider and it is still showing on my credit reports.
Product: Debt collection

I sent a debt validation letter to NCA on XX/XX/XXXX. 


I have an open collection on my credit score that is not mine for {$310.00} that has been on my account since XX/XX/XXXX. I have tried to dispute it over the last few years on XXXX XXXX and asked for evidence, which I did not receive. I am now applying for an apartment and I reached out to the company NCA upfront about this collection via mail. They confirmed that they can not find any record of this collection under my name or address. They stamped my letter with a date and also wrote on it " can't find. '' Since it is not mine and no record is found, I ask that you please review the paperwork that they sent to confirm this and remove this collection off of my credit score. 

Thank you and have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint in to Equifax, because I am a victim of identity theft. in response to Equifax, I am not a credit repair company, I am a person that has the right to utilize the CFPB which is what I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with Experian,   XXXX   and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.
Product: Debt collection

I recently sent a request to the consumer financial protection bureau on XX/XX/2021 ( Complaint No XXXX ). 

The complaint was against Hunter WARFIELD. Hunter WARFIELD responded on XX/XX/XXXX and removed the incorrect item from my credit report. After two weeks of the complaint being settled by the Consumer Financial Protection Bureau, myself, and Hunter WARFIELD the debt collection ( Hunter WARFIELD ) added the incorrect information back unto my consumer credit report and continued the collection of amortized interest monthly on my collection account that is closed ; never fixed or revolving account that reflects fixed and unsecured loan utilization rates and compounding interest.

The debt collector continues to increase the debt monthly and violate the Fair Debt Collections Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion because I am unable to get a copy of my credit report online on their website or the annual credit reporting site. When I called transunion the representative told me I cant see my credit report until I have three lines of credit and a mortgage. And until I have these I will not be able to get a copy of my report.
Product: Student loan

The collection agency has not provided a signed agreement with the current collection company ( KHEAA ). The promissory note that was provided is from XXXX is with Higher Education Student Assistance Authority ( HESAA ) of New Jersey which is from 14 years ago! They have garnished my refund tax from XXXX illegally! This has caused a MAJOR hardship for me and my family.
Product: Credit reporting or other personal consumer reports

I sent a letter and disputed with XXXX, Transunion and XXXX all accounts. However the credit bureaus said the completed investigation and everything was 100 % accurate ; despite accounts not appearing on all credit bureaus are the same. This is defamation of character. 

I also, I noticed them with a list of laws according with 15 U.S.C regarding privacy, acquisition of location information, accuracy, to name a few 15 U.S.C 1692 ( a ) sections 1-7, 15 U.S.C 1692 ( b ) sections 1-3, among others I may mention again ; Fair Debt Collection Practices Act 15 U.S.C 1692c, 1692d, 1692e, 1692f, 1692g, 1692h, 1692i, 1692j, 1692k. Under the Fair Credit Reporting Act 15 U.S.C 1681, 1681a, 1681b, 1681c, 1681c-2, 1681e, 1681g, 1681i, 1681n, 1681o, 1681q. 16981s-2.

Lastly, most importantly to highlight 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and investigate with. Also, how did they complete their/this investigation.
Product: Mortgage

I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus Experion stated that my account was properly investigated by XX/XX/year>XXXX   ; but failed to close out the complaint with the CFPB. Check my Credit Report with My Credit Score XXXX on XX/XX/year> in ( Comments ) there wasn't a " Consumer is Disputing '' which is a direct Violation of the FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) and the FDCPA 1692 ( 8 ) ( Fail to Mark Consumer 's Account as Disputed for the duration of the 60 days and 30 days in dispute ). This is grounds for removal and penalty of violation. 

FCRA 623 ( a ) ( 3 ) 15 U.S.C.1681S-2 ( a ) ( 3 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ( 2 ) Duties of Person Taking Certain Actions Based on Information Provided by Affiliate ( A ) Duties, generally. If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( c ), the person shall 71 615 - 15 U.S.C. 1681m ( i ) ( ii ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request. 

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are reporting XXXX XXXX XXXX XXXX as delinquent/derogatory account. They are reporting inaccurate information due to the fact Experian does not have it. This account was charged off by The XXXX  XXXX XXXX  several years ago. Charge of according to IRS publications is considered income and income is not supposed to be reported the my credit report. The certificate of indebtedness was never verified and never had a contract with XXXX XXXX XXXX. The Credit Bureaus assume the role and are supposed to have accurate information reported. I was supposed to close on a house on XX/XX/XXXX using XXXX XXXX  and because of this inaccurate information it cost me my escrow {$3200.00}. Cost pain and suffering to my two children and wife, being first time homebuyers. As a federal protected consumer I the consumer opting out of XXXX XXXX XXXX reporting to my credit report. Also XXXX XXXX, Experian, and XXXX XXXX XXXX violated The Privacy Act of 1974. I never gave written consent for this debt to be reported in my credit report. Violated the law by reporting transactional history with XXXX XXXX XXXX and the credit bureaus, by reporting my private transaction repeatedly with an open end credit account.
Product: Mortgage

The loan servicer failed to make the escrow disbursements for property taxes due to the town that we live in. The taxes are now XXXX months delinquent. On XX/XX/XXXX, I received a letter from the town that our taxes were delinquent and I called the lender, XXXX XXXX XXXX, who referred me to our loan servicer, Dovenmuehle. On XX/XX/XXXX, I sent Dovenmuehle a copy of our delinquent tax notification to XXXX and received email confirmation that it was received. As of XX/XX/XXXX, the tax bill has still not been paid, remains delinquent, and is continuing to incur late fees. 
I have repeatedly called both XXXX XXXX XXXX and Dovenmuehle requesting the payments be made and have received conflicting and confusing information with arbitrary future dates and time windows that certain departments give themselves to resolve the matter. So far, I have spend more than XXXX cumulative hours trying to resolve this issue. After my most recent call with Dovenmuehle, I was told that their tax department was very busy and does not take phone calls, but that a case was open and they would look into my issue by XX/XX/XXXX. This is unacceptable, as my taxes need to be paid. Further, the representatives at Dovenmuehle could not provide any explanation as to why my initial request on XX/XX/XXXX to pay the property tax was not fulfilled. It is unacceptable for my taxes to be late, period. But for the resolution to take this long is utterly inadequate and inappropriate.
Product: Credit reporting

I 've disputed the account sent supporting documentation along with dispute. The dispute took over 30 days ... ... the first results an email was sent to me notifying me that there 's a status was unable to get results. Tried calling could never get a live person an automated told me to check online. After a few months checked online to see 2 no dispute completed but no results. After calling 2 weeks I finally called the PRODUCT/sales line and got someone who at first tried to SOLVE my issue by giving another number to call after arguing with her she was able to get a live dispute person. When I spoke to her her tone was short with me but I expected this as I was arguing with the comworker. I was told although you sent supporting documentation it was forwarded to the collection agency and they " verified '' it accurate. When I asked about how they verified I was told the collection agency does it as they are the ones reporting. I 'm not understanding how the same agency reporting the error can also be the same verifying the error as if they will say we made a mistake or committed fraud as they knowingly reported false information.
Product: Credit card

I did not authorize these inquiries on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a phone call from a company claiming to be collecting a debt from XXXX XXXX. I asked them to mail me verification of the debt including any contracts or paperwork signed by me. They did not send me verification of debt only a letter from them stating that they verified the debt. That does help me as I have no memory of this debt or doing business with XXXX XXXX.
Product: Mortgage

We were party to the class action lawsuit against Wells Fargo. The property address was XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I remember Wells Fargo foreclosed on our property. It was said that we missed 6 monthly payments. I was able to send proof of payments and it fell on deaf ears. My wife and I are in our XXXX and were put out of our home. XXXX XXXX XXXX XX/XX/1943, SS # XXXX. If we can please open a line of communication, I feel my wife and I are eligible for some sort of compensation. 
Thanks in advance.
Product: Debt collection

Civil Lawsuit Case # XXXX ( KAB XXXXwith Knight Adjustment Bureau ( Not address give to me for company ) with Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. 

I reached out to Attorney XXXX ( Not admitting the debt was mine ) to submit information and work out a settlement. Knight Adjustment Bureau call agent with phone with # XXXX XXXX ( refuses to give name or ID number ) called me directly at XXXX XXXX my number is XXXX ). I have requested a copy of the phone conversation XXXX XXXX at Knight Adjustment Bureau refused to give me a copy of conversation ). Asked if I had an Attorney then when I said no said we don't have to give you any Information. I have requested from attorney XXXX and Knight Adjustment Bureau with agent to submit as evidence for this complaint ( not yet received ). XXXX XXXX refuses comply. Just because I am not represent by attorney does not mean I am not protested by the Laws of the US. 
The agent was abusive and degrading to the point of requesting ( even though my job has been closed until further notice ) to use my stimulus money to pay the debt. Then asked if my XXXX was willing to work ( XXXX job also closed XXXX. This type of disregard, htreats, abuse need to stop now. Agent violated the Consumer Rights act on Multiple occasions. Just because times are tough this illegal abuse can not continue ( Copy of conversation will be added as evidence once received ). 

The agent for Knight Adjustment Bureau then threatened additional lawsuit beyond what our current lawsuit states. XXXX stated if you don't pay today interest will continue to add up. I have been informed that Utah and Federal law prohibits threat of additional Interest/lawsuits if not paid today. Such threats are illegal and violate both federal and State laws. Creditors can not threat additional penalties beyond Lawsuits as Lilian at Knight Adjustment Bureau did.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have had capital as one of my first credit card and it was a great experience, one thing i was doing is trying to automate all my credit card payments to make sure no human error was involved but as a result I had some payments go missing and as result of paperless billing I was never able to notice about 3-4 months later. 

If you look at my report as soon As i found out I was behind on payments I made sure It was taken care of right away and as a result becoming a paid account. 

so all in all the automation process I was executing in my life at a very young age created issues as far as 120 days late which was a very bad mistake but once I knew the capital card received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by various creditors. I am seeking your intervention and assistance in enforcing these laws to rectify the issues that have had a profound impact on my financial well-being and personal life. 

I would like to bring to your attention the following violations that have taken place : XXXX  # XX/XX/XXXX and XXXX XXXX # XX/XX/XXXX XXXX Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
Violation : Inaccuracies in credit reporting, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX # XX/XX/XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX # XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX # XXXX and XXXX XXXX XXXX : Violation : Discriminatory practices in credit transactions, violating the Equal Credit Opportunity Act ( ECOA ). 
XXXX XXXX XXXX # XXXX : Violation : Failure to properly investigate or respond to billing dispute, violating the Fair Credit Billing Act ( XXXX ). 
XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Violation : Abusive or deceptive practices during debt collection, violating the Fair Debt Collection Practices Act ( FDCPA ). 
These violations have not only shaken my confidence in the financial system but have also had a deeply distressing impact on my personal life. The inaccurate credit reporting has affected my ability to secure loans for major life expenses, such as purchasing a home or a reliable vehicle for my family. These events have caused XXXX XXXX and turmoil, making it incredibly challenging for me to provide for my loved ones and pursue a stable future. 

Allow me to share a personal story to illustrate the gravity of these violations. [ Include a detailed, emotional story that vividly describes how the violations have affected your life. Talk about the emotional and financial struggles you've faced as a result. ] In light of these violations and the profound impact they've had on my life, I kindly request your intervention to enforce the legal provisions outlined in the relevant federal consumer protection laws. I implore you to ensure that the creditors take immediate action to rectify the violations and remove these unverified accounts from my credit report. This will not only provide me with the relief I desperately need but also reinforce the importance of adhering to consumer protection laws. 

I greatly appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please do not hesitate to contact me if you require any further documentation or information to proceed with my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX