23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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.

The letters are stated with items and issues.

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 ante
dates 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: Money transfer, virtual currency, or money service

PayPal once again has dishonestly decided in the buyers favor and refunded our duly earned {$300.00} consultation fee even though we told the client in writing that it was non-refundable and the client confirmed that he received said second paid consultation, our first one being free. The client even fully retained us with a {$5000.00} retainer fee afterwards indicating their satisfaction. Please reverse in our favor and legally and equitably punish PayPal for this ongoing abuse and theft from our account, while they collect illegal interest while holding our duly earned funds in their account.
Product: Prepaid card

The first card still had a balance on it when the new card with my name arrived in the mail. The balance never transferred over and the first card stopped working. I called and they could not figure out or help me. Ok, so I let that go. I have been using the new card with my name on it for a couple months. Yesterday I put cash on the card at XXXX like I always do. The money is not showing up on the card. Customer Service sees the transaction in system and tells me it will take up to 45 days to dispute and fix the problem. Really? They get to sit and or use my money for 45 days. They can clearly see I put cash on the card and ca n't fix this today. Tells me to check my email for progress on the dispute. This is a scam and after I get or if I get my money I will use the card until it 's at zero and then cut it up. American Express prepaid card via their Serve
Product: Debt collection

XXXX XXXX XXXX is reporting for XXXX XXXX a debt amount of {$1500.00} from 2016 on my current XXXX report. This is false because my explanation of benefits sent to me by XXXX XXXX XXXX XXXX XXXX XXXX in 2016 indicates XXXX billed total amount of {$3600.00} and XXXX   paid {$2000.00} and that the remaining XXXX would not be billed to me per the contract XXXX XXXX has with XXXX that states XXXX is a in network provider they agree to take the payment amount allowed and not bill the patient ( me ) for any balance owed. XXXX inaccuracy states on the invoice for the {$1500.00} my insurance company as XXXX  XXXX XXXX. XXXX told me XXXX denied the whole amount for an invalid billing code. I called my doctor and had them investigate this and all the correct codes were provided and they were paid the amount allowed and were not to bill me the remaining amount. I have sent all this proof to XXXX  and XXXX XXXX XXXX wont even give me a chance to send proof to them they say talk to XXXX. I have talked to XXXX along with my doctor and they will not call XXXX XXXX to stop this debt. They are bullying me and illegally trying to force me into paying this money to clear my credit report and name. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm very concern about my report being properly investigated. I've asked them to reinvestigate the account that I reported as fraudulent this is a very serious matter. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX without my authorization, or any permissible purpose as defined under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on mortgage payments due to being out on maternity leave and being paid only 65 %. During this period, I also got sick with covid. I had a baby born in XX/XX/XXXX that was born early at XXXX weeks. The baby spent over a month at XXXX. Baby was delivered through XXXX XXXX 

XXXX XXXX does not want to update the credit report even though they were notified I was affected by Covid and tested positive on XX/XX/XXXX. I was unable to get the covid vaccine due to being XXXX  from mid XX/XX/XXXX through my early delivery on XX/XX/XXXX. I was XXXX XXXX  until XX/XX/XXXX and finally got the covid vaccine in XX/XX/XXXX. 

Through XXXX I also suffered from long Covid. I tested positive for covid in XX/XX/XXXX. I was out of work until about the end of XX/XX/XXXX. I briefly returned to work from late XXXX through early XXXX. It was discovered that I had XXXX XXXX, difficulties breathing ( scar on XXXX ). I was out of work on leave from early XX/XX/XXXX through early XX/XX/XXXX. My employer paid me 100 % of my wages during this period.
Product: Checking or savings account

We had XXXX XXXX payments scheduled with our bank USAA Federal Savings Bank returned by the vendor, our mortgage company, XXXX Mortgage dba XXXX XXXX, but not credited to my checking account. 

Our home loan was held by XXXX when XXXX XXXX purchased that company several years ago. At the time, XXXX XXXX instructed us to continue making payments using the XXXX account number. We paid the bill in this manner for years using USAAs My Bill Pay app on the XXXX. It worked fine, until it didntXXXX XXXXXXXX had assigned a new account number to our mortgage at some point in the distant past. We did not notice, likely because it occurred during a time when I was XXXX with the XXXX, and whats more, the payment had always been accepted. 

On XX/XX/2021 and again on XX/XX/2021, we scheduled payments of {$1400.00} each ( {$2900.00} total ) just as we always have. Funds were withdrawn from XXXX XXXX checking account at USAA and sent to XXXX XXXX account at XXXX XXXX XXXX in XXXX, FL via XXXX. Since XXXX XXXX system could not identify the account number ( which it always had up until then ), they returned the funds on the dates payments were offered. Unfortunately, these funds were not returned to XXXX USAA checking account. 

We spent from late XXXX through XX/XX/2021 working with XXXX XXXX and USAA trying to find out what happened. On that date, XXXX XXXX finally informed us that the funds were returned to USAA and provided trace numbers to corroborate that. XXXX XXXX has also been willing to collaborate directly with USAA ( e.g., not through us ) to determine where these funds landed. Unfortunately, our repeated attempts to get USAA to participate have failed. 

USAA has also cited a 60 day period in which to make a complaint under XXXX regulations. First, we had no idea funds were returned by XXXX XXXX until XXXX XXXX, which is the relevant date in applying these regulations. Also, our calls to USAA began in XXXX, which certainly gave them adequate time to know there was a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that is serviced by XXXX/XXXX XXXX. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My Experian credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the Experian credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.
Product: Credit card

I made a purchase, order # XXXX, from XXXX XXXXXXXX XXXX XXXX through XXXX on XX/XX/year>. It was for a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I used PayPal Credit ( Synchrony Bank ) through my XXXX account. I did not receive the item. I was advised to contact the shipper ( United States Postal Service ) and to file a dispute so the money would not be released to the seller. I complied with both requests. I was contacted by the shipper ( XXXX ) pertaining to the claim I filed and was advised verbally as well as in writing that the package with the tracking number ( XXXX ) given me by the seller did not have my address on it. I sent a copy of this letter to PayPal Credit XXXX XXXX to date to no avail. They just keep sending me a standard letter stating that they have contacted the seller and was given papers showing the package was delivered, As far as I am aware they have not contacted the shipper to verify the actual address on the package. According to the shipper they can not release the actual address on the package showing where it was delivered to, to me because it is not my address and they do not want me going there. In conclusion, I made a purchase, I still have not received that purchase or a refund. I would really like to have this resolved. I am not a thief and I don't see why I should have to pay for something I DIDNOT receive. I have copies of all chats and correspondents if you require them. Thank you for looking into this I really appreciate it.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I received calls from affirm and I didnt know what it was until they explained even then I was confused on why I was receiving calls from them until they told me in XXXX and a different month that someone took two loans out in my name also with my social security I was very upset so I told them please what can I do to report this or stop the account and so I had to call back and speak to the manger and he helped me flag the account and put a hold on it so they can do a investigation so they can delete the account and current active loan. I learned one of the loans didnt go thru more than likely because when I called the first time I had the women flag the one loan thinking she flagged the whole account but she didnt and so I called back like I said and spoke to the manager and confirmed none of the loans were authored by me or actually made by me. today as of XX/XX/2024 officially reported the account to be investigated and I also filled a fraud/ identity theft report with the loan collector so they understood the gravity of the situation I am now having to deal with my information being leaked at a XXXX  not more half a year prior to this happening so I know this is something I must do to protect my information and fix this mess. Thank you for your time I hope I mentioned everything properly I have XXXX  XXXX so I apologize for my writing skills.
Product: Checking or savings account

BMO Harris will return my check and charge {$36.00} on first attempt and then in the second attempt they might pay it and charge another {$36.00}. This happens while balance is the same so they are intentionally siphoning {$36.00} two times. If they were going to pay it then they should have on the first attempt. Another strike against the worlds third biggest crooks after insurance companies and casinos ... BANKS! XXXX is taking the banking industry over, take a look at the lines at BMO Harris vs XXXX XXXX XXXX. 

Also, a BMO representative inform me that a third party actually pays the check! So BMO has the check paid and they still charge customers {$36.00}, {$72.00} and so on. They can do it because nobody governs them NOBODY! Banks are above the law and they know it. Consumer Financial Protecting Banks CFPB is more like it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the Accounts from Us Dept and XXXX  XXXX  two of the account has the date of XX/XX/XXXX, another is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.
Product: Debt collection

I noticed a Student loan on my credit report from Fed Loan Services this account is a result of Identification theft. Tried to dispute this and contact company they keep saying that its mines and it is not. It was opened on XX/XX/2017 the balance is XXXX.
Product: Student loan

Fedloan appears to have lied to me in an official written communication, advising me to take action that adversely impacted me. I applied for TEPSLF shortly after the program began. I ended up having to involve my US Representative in Congress because during the transfer from Fedloan to XXXX my application was lost. {$100000.00} was forgiven by FedLoan in XXXX. I reached out to my Representative for help even getting a TEPSLF qualifying payment count on the remaining {$60000.00}. I received a letter from my congressman today that had I consolidated all of my student loans, all of them would have been forgiven, per the US Department of Education 's communication to him. Now I have between 3 and 4 years left to make qualifying payments on them. I initially had requested to consolidate all my student loans. My complaint is -- -- FedLoan then appears to have lied to me in writing in an official communication. They wrote me in a letter, dated XXXX XXXX, XXXX, he following, " We wanted to confirm that you intentionally included Direct Loans on your consolidation application, because consolidating your loans will 'erase ' any qualifying payments you may have already made toward the required 120 for PSLF and TEPSLF purposes. If you include these Direct Loans in your new Consolidation Loan, any qualifying payments you have made during qualifying employment periods will never be counted toward PSLF or TEPSLF. '' FedLoan directly advised me in writing that I would not have any qualifying payments under TEPSLF if I consolidated all my loans. Of course, I had them remove the Direct loans from my consolidation. Who wouldn't? Because they lied to me in an official written communication on Fedloan/US Dept of Education letterhead XXXX I removed those loans from my consolidation request. As a result of their inaccurate information, I now have almost four more years I must remain employed in a qualifying job and pay on those {$60000.00} in student loans, leaving me with the risk that if I leave my job or can not continue in it for any reason, I will completely lose this benefit. This letter directly advised me to take action that was adverse to my interests which I had not asked to take before receiving the letter. My current Lender is XXXX. At the time Fedloan was processing my TEPSLF form. XXXX finished the process. The entire process of receiving qualifying TEPSLF payment counts under all my student loans took from XX/XX/XXXX to XX/XX/XXXX, or 15 months from my initial application. Fedloan appears to no longer service student loans and their website no longer exists.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies & havent received any feedback
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance : {$21000.00} RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX Balance : {$21000.00} on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with CIBC Branch with ATM, they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX XXXX XXXX Balance : {$25.00}
Product: Checking or savings account

On XXXX  XXXX, TD took over {$700.00} USD out of my account ( see below ) Stimullus Temp CR Reversal XXXX They stated they had given a credit to my account for the stimulus and took it back. I never had any notice that my account had been credited for any loan/credit or anything of the sort. 

I opted to " go paperless '' and receive my statements etc. electronically. Customer Service advised I had been given notice by a letter. 

I also advise them almost monthly that I have been traveling for the last 3 years. 

This has caused my account to go deeply in the hole and am going to have to borrow money for rent and food next month. 

This bank constantly rips off the consumer and the government does very little about it. Rigged penny arcades : Minor fine. Structuring of Transactions for over a XXXX USD in false charges a XXXX XXXX settlement. Not alot of incentive when that gives them about an 85 % profit margin for criminal fraud. 

You people do nothing to the banks when they conduct illicit activitiy, because the banks have Congress in their pocket.

What are you going to do about this? 

I know. Nothing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with XXXX, a credit reporting agency. Recently, I discovered that XXXX has deleted an account ( JPMCB Auto account number : XXXX ) from my credit report without my authorization or consent. What is more alarming is that XXXX has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my credit score, which has dropped to XXXX without a valid reason. Despite contacting XXXX for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. Thank you for your attention to this matter.