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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage was sold to US Bank over a year ago. My complaint is about what I believe to be tawdry efforts to cross-sell banking services by making it increasingly difficult to log in directly to the mortgage payment portion of their site. Presently, there is no way to get to the US Bank mortgage payment portion of the site. I am redirected to the US Bank consumer banking login, which does not recognize my login and encourages me to open an account or contact a customer service representative who then tries to get me to open an account. For the past several months, a series of redirects has prevented me from bookmarking the mortgage services page directly. The mortgage site is not listed in XXXX, suggesting the company has deliberately structured the mortgage service pages so that customers ( something of a misnomer in my opinion, since they bought my house and demand payment for the benefit of continuing to live here ) have to go through the banking page and, increasingly, must actively decline banking services with every use of this service.
Product: Credit reporting or other personal consumer reports

In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting!

You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( s ) immediately and permanently : **********************************************************************
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE INQUIRES I did not authorize the inquires listed below XXXX XXXX XXXX XXXX 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, 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I have an FHA insured mortgage serviced by US Bank. I became unemployed in XXXX 2014 and applied for unemployment forbearance. Because I recently found part time employment with XXXX. I am currently working approximately XXXX hours per week but anticipate getting full time hours in the near future. US Bank denied my request for forbearance stating that I am not eligible because I am employed. I therefore am in a kind of catch XXXX situation. The fact that I gained part time employment with a reasonable expectation of becoming full time is in fact penalizing me. If I was still unemployed I apparently would be eligible for up to 12 months of unemployment forbearance! This is completely absurd! It is often the case employers hire part time to full time rather than immediately full time. I am therefore asking for forbearance until I do get to full time status- with in the next 6 months. I am asking for human intervention that can see this " canned '' response just makes no sense!
Product: Debt collection

This agency ( comenity bank ) contacted my father in law on XX/XX/19 and gave specific information about my debt, violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Product: Checking or savings account

I had lot of fraud going on with my XXXX card and when I tried to contact customer support there was no one there to help me. It was a chat box that did told me that there was nothing that they can do about the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is titled XXXX XXXX XXXX. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with Experian and XXXX, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every two weeks since XX/XX/XXXX the account was paid XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX  to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for reporting two dismissed XXXX XXXX bankruptcies that are unverifiable and inaccurate. 

The details are : 1. Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/XXXX Court Name Listed : XXXX XXXXXX/XX/XXXXNY XXXX Closing Date : XX/XX/XXXX XXXX. Bankruptcy Case Reference Number : XXXX Date Filed : XX/XX/XXXX Court Name Listed : XXXX XXXXXX/XX/XXXX NY XXXX Closing Date : XX/XX/XXXX After obtaining my official court records viaXX/XX/XXXX, I have confirmed that Experian does not obtain bankruptcy records directly from the courts. This means the bankruptcy information on my credit report is unverified, violating 15 U.S.C. 1681e ( b ) ( FCRA ), which requires credit bureaus to report only accurate and verifiable information.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to a fair reinvestigation of my dispute. I have previously disputed these bankruptcies, yet Experian failed to provide direct verification from theXX/XX/XXXX XX/XX/XXXX, making this a willful violation of the FCRA.
Product: Debt collection

On XX/XX/2022 I sent a debt validation letter to Paramount Recovery via certified mail requesting that the company validate a collection account. As of XX/XX/2022 I have not received any correspondence from the company validating the debt that is currently listed on my credit report.
Product: Credit card or prepaid card

Citi had a system failure when I requested my stolen card to be shut down and Citi failed to and the thief accrued charges due to Citi 's failure. Citi then refused to refund me my auto payment which included fraudulent charges so I was forced to revoke the stolen charges via my checking account. Citi then proceeded to charge me extra on top of that for revoking the charges to get my money back. 

Amounts : XXXX XXXX : {$25.00} AAadvantage : {$25.00}
Product: Credit reporting or other personal consumer reports

XXXX  please delete this item as XXXX has already deleted from my file this account is fraud due to identity theft and I have provided police report as well.
Product: Money transfer, virtual currency, or money service

When using Paypal Credit, no interest for 6 months promotions on purchases over {$99.00}. 
" Amount to avoid Standard and Deferred Interest '' is not detailed anywhere. It is difficult, if not impossible, to know how your payments are being applied to these balances, and which purchase balances are still outstanding.

When you look at your account online or the statements, these do not show the outstanding charges or balances for each promotional purchase. When you call Paypal to ask, the agents are also unable to tell you these details. 

If you miss paying off a balance in full, these balances are hidden from you online and in the statements. You can not determine which balances are remaining. 

It is extremely difficult to manage paying off the balances resulting in interest charges being charged to your account.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these accounts immediately : XXXX  XXXX
Product: Credit card or prepaid card

I received an unsolicited letter from Bank of America stating that they were reviewing my application for a credit card. I did not make an application. They also indicated that they had contacted XXXX  for my credit report. This is a violation of my privacy and my finances. 

The letter is suspicious in many ways and the phone numbers do not match phone numbers on the BOA website. 

I received a similar letter from XXXX XXXX and I have submitted that to CFPB. 

Please contact Bank of America about this unsolicited letter and their contact with XXXX. 

Thank you, XXXX. XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND IN MY AMAZEMENT, THE FRAUDULENT ACCOUNT WAS REINSERTED IN MY EXPERIAN CREDIT FILE. I'VE DISPUTED THE XXXX XXXX XXXX  FRAUDULENT ACCOUNT ( ACC NO : XXXX* ) ON XX/XX/2019. EXPERIAN, XXXX, AND XXXX  DELETED THIS ACCOUNT FROM MY CREDIT REPORTS. HOWEVER, EXPERIAN REINSERTED THE FRAUDULENT ACCOUNT WITHOUT NOTIFYING ME.
Product: Credit reporting or other personal consumer reports

Please delete these accounts that do not contribute for a good credit standing. Investigate thoroughly and verify the items being reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

since XX/XX/XXXX, there has been a freeze by XXXX on my credit file.i can not buy anything, my report either shows i do not exist or all o.over 40 calls to XXXX and they tell me it is not frozen.they sent me to trusted id and over 30 calls and i still can not get my credit there.i have been to three car lots and always get the same answer.i had one preson at the freeze department of XXXX have me send in copies of my id.no help as there is no freeze they say.out of the over 40, around 15 say XXXX had frozen my credit due to security breach, they said they were taking it off with no change.one gave me a confirmation number and when i called back it was a made up number.i do not know what to do i have exhausted every opition i know of.please help i do not know who to call or what to do.i do not want to lose my home or cards as they monitor credit.thanks for any help i am pass frustrated
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Thanks. 
XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX