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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Actions Hard Inquiry 15 U.SC 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 an 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 the 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

I am a customer that is affected by the accounts being reported on my file that are not one hundred percent accurate and it is affecting me from getting car loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the XXXX late payment report on my credit report by XXXX XXXX XXXX which I believe was done illegally. I strongly believe that the report is false and caused by issues on XXXX XXXX end. I request that the late payment report be removed from my credit report immediately. 

There are multiple reasons to support my claim. Firstly, I was locked out of my account by XXXX XXXX when I created a new XXXX XXXX address, and they couldnt provide me with a way to access my account online or update my email/XXXX XXXX address on the account. This caused me to miss seeing unauthorized charges made to my account and the ability to update my bank information to pay the account in full and close it. 

Secondly, I paid off the card in full on XX/XX/2022 ( before my XXXXXXXX XXXX was changed ), assuming that the card would be at {$0.00}. I canceled all my subscriptions and updated all my payments to other credit cards. However, I kept being charged for subscriptions I did not recognize or that were canceled, Experian {$24.00}, and XXXX  for {$9.00}, charging me without authorization a total amount of {$34.00} for 7 months ( XXXX ). Since I couldnt access my account, I wasnt aware of these charges, which led to a late payment. 

Thirdly, I reached out to XXXX XXXX via XXXX XXXX and phone calls on XX/XX/XXXX, XXXX, and XX/XX/XXXX, explaining that I wanted to access my account. I explained to them that I had switched to a new XXXXXXXX XXXX account, but they told me that they couldn't help me update the account. Eventually, I was able to recover my old account through XXXX and gain access to the XXXX XXXX portal, but by then, it was too late. I scheduled payment on XX/XX/XXXX via the online portal, and although I told the representative my situation ( on XX/XX/XXXX prior to the 30-day late report ), and since he couldnt help me access the account, I told him that I would try to recover access through XXXX  and just to note it and not report me because of that circumstance. One day later, payment was scheduled, but they still reported me late. 

I strongly believe that XXXX XXXX negligence in creating a proper portal and system for users has caused me great damage to my financial reports. They have not covered the scenario where users of their credit card may change XXXXXXXX XXXXs in the future, and they should offer access or the option to update the email/XXXXXXXX XXXX As a result, I seek the removal of the 30-day late payment report from my credit report. 

I do not seek any fee reimbursement, only the removal of the late payment report from my credit report. I believe that this late payment report was made illegally and without proper justification. I would appreciate a prompt resolution to this issue. Please contact me if you require any further information or documentation. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute against XXXX XXXX for incorrect balance and payment information. XXXX XXXX had my date of last payment at XX/XX/year>, and the current balance at {$470.00}. This of course was incorrect. My date of last payment was XX/XX/year> with a balance of {$200.00}. With the last payment amount of {$150.00}. I provided Equifax with screenshots from the XXXXXXXX XXXX showing the payments that were made from XX/XX/year> to XX/XX/year> showing my payments from those date ranges. On XX/XX/year> Equifax sent me a notification that read XXXX XXXX has found to be accurate. And had the date of XXXX XXXX latest update at XX/XX/year>. I filed a second dispute on XX/XX/year> disputing XXXXXXXX XXXX latest incorrect information, which read current balance at {$350.00} and latest payment amount at {$120.00} and latest payment date at XX/XX/year>. This time on XX/XX/year> I filed a second dispute which this time I had a current statement that I submitted showing that XXXX XXXX is still incorrect and the information I provided as true. On XX/XX/year> Equifax sent a notification that the information was disputed was found to be accurate How could Equifax say that the information had been verified as accurate when I provided them with a current statement from XXXX XXXX proving that my dispute is justified and correct? Do they think Im printing statements in my basement? Clearly someone at Equifax is not doing their due diligence. Equifax is willfully suppressing my credit score to what benefit I could only wonder.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Theses are the accounts Ive marked as inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX flagged my credit report as being 30 days past due. On XX/XX/XXXX I contacted Experian to dispute the inaccurate reporting by XXXX. I provided all documents to Experian to validate that my account was inaccurately flag. 


Dispute Details : Account with XXXX was opened on XX/XX/XXXX with payments due on the XXXX of each month. On XX/XX/XXXX my monthly payment was made with the next payment and the next scheduled payment due on XX/XX/XXXX. However, I made the final loan payoff made on XX/XX/XXXX. This XX/XX/XXXX layoff was only 9 Days past due of my XX/XX/XXXX due date. This was not 30 days past due. 

On XX/XX/XXXX I received an alert from Experian regarding the results of the dispute. The dispute read that there is no change to my credit file stating that XXXX reported the 30 days past due as accurate information. This was upsetting to say the least considering how hard I work on keeping my credit in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent
Product: Debt collection

XXXX XXXX XXXX trying to charge for services not rendered and sent to collection. They did not give me a chance to dispute.
Product: Credit reporting or other personal consumer reports

My complaint is about an experian who is not respecting the judge 's rule on updating credit. At this moment, my credit has not been updated for more than a month, affecting the procedures for purchasing a house. I contacted the credit cards and they told me that they have already sent you their reports aexperian but experian refuses to update it with the excuse that they do not know what is happening but on XX/XX/XXXX they did report a negative XXXX account as collection being already paid so they are quick to report that negative but not to report or update my report Credit, however, XXXX and XXXX have already updated it, they must stop the negligence of Experian and the way in which they manage people 's credit. In addition, I paid a personal loan for more than 3 months from Affirm, they reported to Experian, they closed it but I did not receive any score I can't dispute either because they take points from me every time I dispute
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION INTERMEDIATE HOLDINGS, INC. for FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. for violating my consumer rights under 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) by reinserting a previously deleted account without providing the required notice. 

On XX/XX/23, I successfully removed an account through dispute, but TRANSUNION INTERMEDIATE HOLDINGS, INC. has reinserted it without the mandated notice. I am seeking your assistance in ensuring their compliance with the Fair Credit Reporting Act. Enclosed are documents supporting the previous deletion and evidence of the unauthorized reinsertion. Your prompt attention to this matter is appreciated.
Product: Mortgage

I took out a XXXX loan on XXXX XXXX, 2017. I hired a contractor that was recommended to me by the Movement Mortgage loan officer. I later found that this contractor was not competent and ruined the foundation of my house. 
I parted ways with the contractor and hired another contractor- which was approved by the lender. The original contractor later filed a lien against my property - which I am fighting. Movement mortgage has now refused to pay my current contractor for the work he has done due to the false lien against my property. I have asked them for loan documentation that states that this is allowed- they have yet to provide any. 
I 'm now in jeopardy of having another lien filed against my property. I would like for Movement to pay the current contractor or provide HUD documentation that they are not allowed to do so. I called HUD and was told that there is no such documentation.
Product: Credit card

I paid deposits in the amount of {$54000.00} for appliances from XXXX, ovet the course of XXXX  years and I had a delivery date of XX/XX/year> and XX/XX/year> and XXXX just went out of business and I am left with nothing but have paid {$54000.00} in deposits. they never delivered my items.
Product: Credit reporting

I need for the following address to be removed from my credit report XXXX, SC, XXXX. I have filed an identity theft complaint with the US Postal Inspection Service regarding fraud being committed at that address. It is a violation of the FCRA for you to refuse to remove an address from my personal credit report that I state that is incorrect or that has been used to commit fraud. 

I need for this address to be removed ASAP or else I will progress this case further past the CFPB. I have attached the identity theft report and my drivers license. This is a discrimination and is a violation of my constitutional and civil rights.
Product: Checking or savings account

In early XXXX, I paid tuition to my son 's school for the following year via XXXX ACH transactions from my Wells Fargo checking account. In XXXX of XXXX, we were informed that the school would not reopen in XXXX of XXXX due to financial collapse. We were told at the time that our tuition money would be returned. Our tuition money was not returned, and promised services were obviously never provided. In the following months, we learned that the head of the school had behaved fraudulently ; she continued to collect tuition money even after she knew that the school was not viable. We do not know where the money went. 

At the time I did not realize I had any recourse, but in XX/XX/XXXX learned from other former parents of this school that most of them had their payments returned by their banks upon filing a fraud complaint. ( These were also tuition payments made by ACH transactions from a checking or savings account, from banks including XXXX and XXXX XXXX for example ). I immediately filed such a claim with my bank, Wells Fargo. After many administrative errors on the bank 's part, the claim was finally filed. I offered to provide documentation and additional information about the fraud that was committed ( this is available in court filings, media reports, etc ) but was told that it was not necessary because the bank would do its own research. 

I received a denial of my claim that indicated that I could request the research materials used to make the determination, which I did. Over a month later, I received a generic form restating my claim ( date, amount, etc ) with no additional information, suggesting that no actual research was done. I called to ask if I could appeal and provide the additional documentation and was told no. At one point I was told that my bank has to " follow federal laws about what claims may be honored and federal law does not allow my claim to be honored '' but clearly this is not true because multiple other banks have refunded the same claims to other families. 

The bank 's rationale is that I authorized the payment initially, so it can not be fraudulent. My argument ( and apparently the reasoning that other banks have followed ) is that my authorization was based on fraudulent information. It is frustrating to me that the claim has been denied with no actual research into the circumstances of the charge, a considerable amount of time and bank error/sloppiness, and that there is no appeal process but only an automated process that does not seem very robust. 

I have quite a lot of documentation -- emails from the school, court filings, media reports -- but am not sure which are helpful. Before I attach them all maybe CFPB can provide guidance. I am attaching the letter from my bank ( on which there appears to be another administrative error -- the date of one of the transactions which again raises questions about the process ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received them.
Product: Credit card

I am in the middle of buyin a home and I have a charge off on my credit report that I need to resolve. I have call on several time to get no where. I am willing to pay the debt off to purchase this home however the credit company SYNCB/CARE Credit has been no help and said that they would not show my status as paid on my credit report, nor would they send a letter stating that the account was paid in full. However they said they will take my money but they wo n't report to the credit reporting system nor will they give a letter. I have ask to talk to a supervisor only to be told the same thing over and they are not willing. I was hung up on when ask to talk to there supervisor and also told there were no other supervisors. I need to get this cleared up as soon as possible. Settlement is set XX/XX/XXXX and this is the only thing that is hold me up. Had the company proceeded to do the right thing this would hav never happen. I was never contacted by them nor by a collections agnecy. This account was auto debit from a checking account and they just stop taking the money out.
Product: Credit card

PayPal has denied my thousands of dollars of fraud claims despite undeniable, clear evidence that a criminal credit card thief authorized the charges after stealing my card information. 

advertises that it is the safety way to pay On XX/XX/XXXX, I contacted PayPal because approximately 180 fraudulent charges for approximately {$3800.00} began appearing on my account, authorized by a person named XXXX XXXX XXXX. As of Thursday, XX/XX/XXXX, a PayPal representative has informed me that PayPal has determined that the payments authorized by XXXX XXXX XXXX were authorized by me, XXXX XXXX. 

I have provided PayPal with clear, and undeniable proof that I did not, and could not have made these purchases. I have informed PayPal that I did not authorize, and do not authorize these purchases. I provided PayPal with clear, and undeniable proof that these purchases were made by XXXX XXXX XXXX. 

I am not XXXX XXXX XXXX, I do not know this person, have never met this person, have no relation to this person, and this person is not an authorized user of my PayPal account. No previous purchases by XXXX XXXX XXXX ever occurred on my bills. 

Around 140 of these charges appeared AFTER I contacted PayPal to alert them that my card was stolen, and to cancel any additional charges. They continued to approve about 140 charges AFTER I canceled the card and reported it stolen. 

At that time, I provided paypal with undeniable, and verifiable proof that these purchases were made under the name XXXX XXXX XXXX, including : 1. Boarding passes for two plane tickets she purchased by XXXX XXXX XXXX using my PayPal card. 
2. Payments made to the XXXX XXXX XXXX, where I have not visited or lived, or ever made previous purchases. 
3. An email from XXXX stating that I, XXXX XXXX, do not have an account and could not authorize XXXX purchases. XXXX representative agreed to cooperate with PayPal to prove that I did not authorize these payments. 
4. These purchases were made overseas and an overseas processing fee was charged by PayPal, and PayPal ALSO has proof that I was continuing to make physical purchases from within the United States at that time, making it clear that I could not have made these purchases. 
5. I provided PayPal with clear proof that XXXX XXXX XXXX was also in possession of other stolen credit cards under different names, showing without question that she was involved in stealing credit card information and using it. 

I have now spent hours on the phone with PayPal representatives, who have given me confusing, contradictory information. Early on representatives reviewed the undeniable strength of my claims and ASSURED me that my money would be returned. Only to now be told that PayPal has denied all my claims and there is no more appeal process. 

PayPal deactivated my ability to report fraudulent claims after I first contacted them, so I am entirely reliant on PayPal representatives to file complaints. Representatives on 3 occasions assured me they would file complaints on all these cases, but only 150 claims were ever filed. I can not file the additional 40 cases myself because PayPal deactivated my ability to even report fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.
Product: Student loan

There is no way to set up auto-pay ( auto-debit ) to pay more than the listed payment amount. As per their FAQ page : " If you would like to pay more than the Current Amount Due, you can make an additional one-time payment by logging in to your online account, calling, or mailing a check. '' This is an unnecessary burden on those able to pay more than the required amount and is a terrible way to try to limit a borrower 's ability to pay back loans. This practice for private loans is also a cheap attempt to increase their own profits through additional interest income.