23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 years.

15 usc 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. 

XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX They have violated my rights
Product: Payday loan, title loan, or personal loan

On XXXX, I was in an auto accident when a 30 ft truck backed up over me, in my new XXXX XXXX XXXX I purchased in XX/XX/XXXX. I have a loan against this vehicle with Mariner. I am suffering from XXXX XXXX from the accident including a XXXX XXXX, XXXX XXXX, and several XXXX XXXX. Not knowing what my financial situation was going to be not being able to work, because my accident, I paid {$10.00} for my loan for the month of XXXX. When I spoke to the branch manager, I explained that I would go online and make a payment every week my child support came in, and that I was unable to pay in full that day we spoke because my payments are contingent to my child support. The branch manager XXXX XXXX, stated " you will not have access to make any partial payments online because you are pass due ''. He demanded payment over the phone multiple times. I patiently continued to explain that because I can't work, I need to wait until my child support comes in to make a full payment. Mr. XXXX refused to work with me. I have been getting a loan from this company for 4 years if not longer. Even before when it was XXXX and then bought out by Mariner. I have an impeccable payment record. I paid every single month my loan was due, except maybe once or twice in all these years. Mr. XXXX is not open to deferring my XXXX payment, or any other agreement, despite my loosing my work income. Mariner Finance, Mr. XXXX has been calling my phone almost every day despite that I told him I would call on the last day of XXXX and make a payment by phone, since consumers are NOT allowed to make partial payments via their website. Which creates another issue for consumers. They have called almost every single day, two to four times a day, despite telling him I would call on the last day of XXXX and make a payment. Mr. XXXX stated that my loan was not contingent to my part time work. I stated that I understand this, but when my child support does not come in, which sometimes happens, I will feed my children before I make a loan payment. I know I get partial payments during the holidays because my exhusband does not work full weeks during the holidays. If us consumers can't make partial payments, then we are being denied our right to repay a debt, despite if it is past due. I have made an arrangement may of times to call and pay on the last day of the month, and NEVER was I HARASSED like this. I have never been harassed in this way. This is absolutely an abuse of debt collection methodologies, and must be stopped. As of today XXXX, at XXXX XXXX, they have called me 4 times already. I will make a payment today. However, this HARASSMENT is unlawful. Mr. XXXX is awful when speaking. He is not open to any agreement, especially considering my good repayment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Identity Theft victim and I disputed a medical bill that is not mine and asked them to validate the account. I sent in my ID and other pertinent documents. After awhile they came back with " the disputed account is not reporting on the Equifax credit file ''. So What is the account on my report then? Since it is not mine I don't know the amount or date or anything. 
I want them to verify the account that is on my credit report for XXXX XXXX is mine and when they find out it is not I want them to remove it from my credit file. 
AND The event happened more than 7 years ago and should be removed from anybody 's credit file : Under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed and according to the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Previous complaint ID : XXXX submitted XX/XX/18. 
Please help me to resolve this issue.
Product: Debt collection

Credit Control LLC are attempting to collect a debt that has not been validated by any means. This information is potentially harmful to my credit and I have given no written consent to communicate with me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$1600.00} from my PayPal account to my bank. The transfer was recorded by my bank on XX/XX/XXXX but on XX/XX/XXXX this transfer was automatically reversed by the bank due to an account number discrepancy that prevented the bank from accepting the transfer. This can be seen in the attached screenshot from my bank records. The funds have not been returned to my PayPal account nor have they been credited to my bank account. At this time, these funds are missing. I have used the facilities provided by PayPal to resolve this issue. I opened a case with PayPal on XX/XX/XXXX. That case number is XXXX XXXX My case and subsequent appeal has been denied as PayPal has determined that the initial transfer transaction appears to have been completed successfully. 

On XXXX XXXX, XXXX I obtained the XXXX reversal transaction trace ID from my bank. That number is XXXX. That same day, XX/XX/XXXX, I provided PayPal with this information with the request that they trace the transfer to determine what has happened with the funds. It appears that PayPal did not take investigative action with respect to the additional information I provided nor did I receive any correspondence or contact from PayPal to further clarify the specifics of my case. The additional information I provided was specifically related to the trace number ( # XXXX ) provided by my bank to facilitate research of my banks reversal transaction transferring funds back to PayPal. Funds which have not yet been credited back to my PayPal account.

With regard to submitting issues to PayPal through their on-line facilities, I am limited to reporting problems related to transactions initiated from my PayPal account however,
my issue is with a bank reversal transaction initiated by my bank. I have no way of identifying this type of transaction from within PayPal 's resolution center. Additionally, I only had one opportunity to appeal or dispute PayPal 's determination and there are no other ways to escalate my case that I have found.
Product: Mortgage

I was in the modification process for three years with PHH, they shared back in XX/XX/2021 that I'm elgible for XXXX if I were to move. Since PHH was unwilling to modify the loan and gave me the option to receive {$10000.00} to move, I sold the home. I have not received the XXXX as promised.
Product: Debt collection

I had XXXX autos on XXXX XXXX policy purchased through a broker. In XXXX XXXX I cancelled XXXX of the autos ( XXXX XXXX ) and notified the broker in writing. The broker confirmed via email he would cancel. I noticed in late XXXX that the policy still reflected XXXX autos and I had paid over a year for insurance on a car that was insured with other companies during that time. After providing proof of insurance to XXXX and my broker, XXXX did not credit the policy premiums all the way back to XXXX XXXX. So I deducted XXXX roughly ( the balance of the credit they owed me ) from my last payment and cancelled the policy. nationwide placed the balance for collection with Credit Collection Services. They refuse to honor my dispute, they dont review my written dispute material, and they 've listed the collection item on my credit bureau. I 've send them my detail and correspondence XXXX different times. Once by writing, XXXX time via email and lastly by up loading by evidence on their web site.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my American Express XXXX  XXXX XXXX Card, which I applied for under an offer that provided XXXX bonus points after spending {$15000.00} within 12 months. I have met the spending requirement, yet I have only received XXXX points instead of the full XXXX as promised. 

I have reached out to American Express regarding this issue, but the discrepancy remains unresolved. I believe I am entitled to the remaining XXXX points as part of the offer I signed up for. 

I am requesting the Consumer Financial Protection Bureaus assistance in helping me resolve this matter and ensuring that American Express honors the full offer as initially advertised. 

Thank you for your time and attention. I look forward to your help in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Checking or savings account

On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been violating 15 U.S.C. 1681 by reporting inaccurate credit reports on my consumer file and sharing medical information. They have been sharing my personal information without conducting an investigative consumer report, pursuant to 15 U.S.C. 1681a ( e ). They have never asked for my written consent to do so.

Also under 15 U.S.C. 1681 ( 4 ) by Experian not exercising their grave responsibility with fairness and impartiality, also by them reporting inaccuracies on my consumer file, they have not respected my right to privacy.

Also pursuant to 15 U.S.C. 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating my consumer credit, and they have not done this, nor can they provide me with information that they have done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance XXXX {$750.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/2022 As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Never served, subpoena received or eviction listed on record. Divorced XXXX XXXX, XXXX, finalized XXXX, debt letter shows released from credit responsibility. This was prior to listed eviction of XX/XX/XXXX. Moved out of home with signed lease XX/XX/XXXX and move in XX/XX/XXXX, attached. Never had a forwarding address. Please remove eviction from RECORD for XXXX XXXX. Currently, realpage tenant screening denied approval of apartment due to this false Eviction upon my behalf. Information is inaccurate, I never stood before the court, this is preventing shelter for single mother and son!
Product: Credit card or prepaid card

I hired an asset search firm called XXXX to do an assessment of my father 's estate in XXXX. Their site lists XXXX topics covered, and their sample report is 30 pages, and they say it takes a week pre-Covid. I was charged an extra 50 % for more work ; I paid {$1800.00} after a credit. I notified them in early XXXX that my sister had just been appointed executor, and they sent me a report two days later ; they had said a month prior that all the work was done except the bank account search. Their report contained absolutely no information and not a single figure or amount assessing the estate -- a {$4.00} instant report was far more informative. The report was almost entirely document images and the list of such for our family house, whose same list I had sent them, along with other information including record or knowledge of over a half-dozen holdings that was never researched. The report included an unauthorized personal search on my sister with a false and harmful accusation that she said something in an old blog that is not found there. I wrote and told the company CEO that I filed a claim with Suntrust/Mastercard, and he said he would release the report if I did not cancel the claim. 
I sent an overwhelming amount of information to Suntrust Credit Card Claims but they recently wrote that I was in possession of the merchandise. 
I called CFPC two days later but was waiting for Suntrust 's USPS mailing that never came, and I only yesterday was able to open their " XXXX '' file emailed.
Product: Credit reporting

I contacted Experian directly and they claimed that they were unable to verify my identity based on what I provided. I only provided my date of birth, address, and social security number which are all accurate and correct. They directed me to use the government website and I was unable to request my report that way either because experian would not release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car lease with mercedes benz financial services. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a Chase credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.
Product: Mortgage

Tried to refinance adjustable rate mortgage of my condo to 30 years fix. Decided to go with Wells Fargo due to already being their customer for 15 year. Initiated application by phone on XX/XX/2020. Paid XXXX dollars. Quickly submitted tons of requested material. On XX/XX/XXXX received e-mail with demand to take our condo from market. Decided against it. Was told only partial refund will be given back to my credit card. FEELING BEING CHEATED by WF. Was not properly informed about refinancing of property listed for sale, only at the end of the process that became an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is Showing inaccurate information on XXXX, Experian, The activity date is wrong also the opened date they do not match. XXXX is showing open and XXXX is showing closed. I have tried reaching out to them but to no avail.
Product: Credit card

My PNC credit card was used fraudulently when I was away from the United States. I was out of the United States between XX/XX/XXXX to XXXX. I was in XXXX, XXXX with my family. I parked my car to valet and the valet had access to my car. My several credit cards were in my car as well as my US Phone. When I was away, my credit card was used fraudulently, and online banking/ and several SMS confirmations were made with my US Phone. Then I realized the person who made these purchases. All the other credit card companies were able to get security cameras etc from the merchants and caught the guy. His name is XXXX but used a fake name called XXXX, The PNC fraud team accused me of lying and closed my credit card. I do not deserve this kind of behavior. I have all the evidence and the proof but the lady who had my case even did not care to ask for any evidence. I have all the evidence that I was not in the USA + my case to the valet + reports etc. Let 's say you deny the case, I do not deserve my credit card to be closed. I put all my cards in my safe now and I will be careful next time not to trust strangers. Please reinstate my account and approve or deny the fraud claim, Doesnt matter because the amount is small. Please reinstate the account, so that I can use the card frequently and have a better relationship with PNC. Please trust and believe me. I want justice. Do not be biased. Please.Thanks