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

On XXXX  XX/XX/year>, I went into XXXX of XXXX to go over my end of lease options. In doing so, it was understood that my credit was going to be ran only once as made clear by XXXX, the sales representative who was assisting in this manner. He was asked more than once if he was going to run my credit over and over again and he continued to assure me that he was not each time. He said it was a simple phone call that was going to be made to the banks so that my credit would not be ran so many times. As I am going over my credit report on XXXX and XXXX XXXX I notice I have not one but 5 hard inquiries on my report. There are XXXX hard inquiries on my credit report that were told were not going to be there by the representative that assisted, XXXX. This is wrongful use of my information and I need these inquires removed. They are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA MOTOR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit card

When I applied for XXXX Credit Card, in amount of {$300.00}. to re build my credit and with Care Credit for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, XXXX Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XX/XX/2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add one Credit Card company at time at end so I will do two of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. 
I have not given them permission to access my credit profile. 
I have not initiated any transaction with the companies listed below. Furthermore, I do not havean account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review orcollection. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 







Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Product: Payday loan

I received a loan from castle pay day loan and supposedly when they went to take the money out of my account it was n't in there when I actually get paid direct deposit. Now they are calling an address and phone number from 20 years ago threatening a lawsuit etc. I have not received any formal letter from this company. If so I would have paid. I also researched them and found out htat they have many many complaints of scamming customers. Please help. They have threatened to send documents etc to my job and everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one CPA the others shall follow suit and remove as well XXXX. XXXX # XXXX XXXX XXXX  # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I just had a credit report done and find that XXXX XXXX is on my credit report I never apply for credit with them. Their reporting that I apply on the report in 2011 I was under XXXX year old at that time. Also on my credit report they reported my name spelled different and different social security number and date of birth with also different residential address. They also was report all this different phone numbers .I filed a dispute with the credit bureau and this time and put a fraud alert on my records. I also have not receive a letter from in the mail for this credit card. On my credit report it states my current address and they have not sent no letters or I would of told them this is not mine bill. This is not my debt. I also was puzzled Midland Credit Management is not showing this debt owing on my credit report. I saw the XXXX XXXX on my report and disputed this creditor and they sent told me they sold account to MCM but this is not mine bill.
Product: Credit reporting

I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. 
Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Debt collection

I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to XXXX XXXX and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time XXXX XXXX calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with XXXX XXXX  XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. XXXX XXXX  approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. XXXX has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XXXX still no answer. BK discharged XX/XX/XXXX
Product: Mortgage

I have a home equity account with Citibank. The primary mortgage holder requires that I maintain home owners insurance on the property which I have done since the mortgage account was opened in XXXX of XXXX. My current insurance coverage has been with the XXXX XXXX since XXXX XXXX, XXXX. XXXX XXXX XXXX. Before that XXXX provided coverage. This insurance protects the interests of all parties : the owner, the primary mortgage holder and Citibank, the secondary mortgage holder. Despite this fact, Citibank opened, maintains and charges me for an additional homeowners policy. Recently, I notified Citibank AGAIN that I have my own homeowner policy. I forwarded them a copy of the policy with XXXX. In letters dated XXXX XXXX and XXXX XXXX, XXXX, Citibank XXXX XXXX ACKNOWLEDGED my coverage with XXXX. However, as of today, XXXX XXXX, they have made no adjustments, issued no refunds and continue to charge me for their insurance. Further, in XXXX, Citibank paid out $ XXXX to settle a case for this very same time of behavior known as " force-placed insurance ''. But Citibank continues the practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies are reporting account with out my consent. According to The FCRA consumers have a right to privacy. 15 USC 1681. XXXX XXXX XXXX XXXX as well as Experian, XXXX, and XXXX has violated my right to privacy. In accordance with the Fair Credit Reporting Act consumer reporting agencies may furnish a report in accordance with the written instructions of the consumer. I never have given instructions to niether the XXXX or XXXX. 

My account with XXXX is an extension of credit approved directly from my credit card and is to be excluded from consumer reports. XXXX and the XXXX are in violation of 15 USC 1681 ( b ) and must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

credco pulled my credit on XXXX trying to obtain a credit application for a mortage this is fraud
Product: Credit reporting

WELL I BEING TRYING TO REMOVE THIS ACCOUNT FOR THE LAST 4 MONTS FROM THE CREDIT BUREAU AND ALSO FROM THE CREDITOR, EXPLANING ALL MY INFORMATION WITH COPY OF MY SS AND MI ID CARD SO THEY CAN KNOW THAT THIS ACCOUNT IS NOT MY BUT THIS ACCOUNT STILL IN MY REPORT UP TO DATE.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX  did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX  Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Transunion Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Transunion any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy. 

I wrote Transunion and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent Transunion a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Money transfer, virtual currency, or money service

I sold a book on XXXX XX/XX/2018. The money went to a PayPal email that was not fully set up. The problem is with Paypal. I called once or twice that week and tried to set up my bank account with Paypal. The links didn't work and so I entered my bank information online about 5 times. None of the attempts saved the information to my profile. 

Some where around XX/XX/XXXX, when the funds were suppose to be available, I called a few more times for the funds to be released. After about 3 phone calls that week, the funds were released. I again tried to link my bank account, but again it wouldn't work. So I tried to send money to my other Paypal account. The rep snottily said that of course I can't send money to myself! You can't do that! 

So I gave up trying to get my {$41.00} until today. I again tried to link my bank account and send the money to myself. The customer service rep seemed to have issues understanding me and repeated back my problems as solutions. It was quite odd. She was not able to get my funds released. Her only suggestion was for her to enter my bank account number. At that point I had no confidence in her ability nor did I feel comfortable giving her my bank account number! She then walked me through a few circles and then was surprised that an option was not available for them to send me a check. That's all I want. 

I asked to talk to someone else because we were having problems communicating. Her supervisors name was XXXX. He had less customer service skills than the first rep. He also wanted my bank account number. I was so frustrated I said that maybe I should just take this to social media. His response was if that's you want to do, go right ahead. So I went to their XXXX  page and there are many there with my complaint as well as worse complaints. 

I just want my money. {$41.00}. They are holding my money and won't send it to me.
Product: Mortgage

I 've paid Nationstar mortgage {$5000.00} for their Lender Placed Insurance through escrowThe XXXX policies cost {$2300.00}. I want them to reimburse me the {$1700.00} surplus in my escrow account but they refuse saying they do n't show that I had insurance. They sent me the policies and have proof that they placed the insurance. They are simply stealing the money they owe me and they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Equifax re : Conf. XXXX. It fixed most of the issues but did not resolve the XXXX issue. The dates are still inaccurate and all over the map. They and XXXX need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.
Product: Debt collection

XXXX  XXXX XXXX XXXX refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. XXXX  XXXX sent me a letter showing a signature that is not mine. I also filed a compliant before and XXXX   XXXX advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX XXXX fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. This is my 3rd complaint with this company and they say the same thing each time! I received the validation letter! Which wasnt my signature!!! That is not valid signature! This isnt my debt I already filed a fraud alert on my reports I have done everything I was suppose to do! At this point Im considering getting my lawyer involved
Product: Debt collection

collection company Rash in curtis is been trying to collect a medical bill that has been paid to XXXX XXXX XXXX, this debt was sent to collections by rash in curtis, not by XXXX XXXX XXXX because in the hospital records is all been paid, i have asked rash in curtis to validate this debt correctly and they have fail to validate this item properly, they keep on changing the information on this bill to keep on chasing me for a bill that i dont owe and is been improperly posted in my credit reports without been properly validate i asked them to validate and if fail to validate needs to be removed from my credit report but they keep on ignoring my request
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of Equifax admitted that I was in fact a victim of this Data Breach and Equifax has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : XXXX XXXX XXXX XXXX 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

Violation FTC Public Policy derogatory marks left on credit report & CFPB Consumer Protection Act Data Breach of my personal information to dark web, third-partys unknown inquires without my consent, Authorization. Breach of data Employees of Capital One Credit Card.

And theft of information, Mishandling- of- billing- disputes Practices and USURY LAWS of Federal and State.Committing Unfair Deceptive and Abusive- Acts Practices Regulations pursuant provisions of TILA violates Card Act Major provisions Probity of Contract Law didnt provide me with ramifications or Consent. FDCPAct [ 15 USC 1692 et sew. ] & ( FCRA ) 611 ( a ) ( 1 ) ( A ) This is not a refusal to pay However this notice made pursuant Competent ecvidence, Negligent Enablement of Imposter Fraud.

Deceptive- Unfair - Practices.

Abusive Acts Practices of charging interest on loans but limited maximum rate of 6 percent, Violation Federal and State CBP laws mishandling - of- billing-disputes Practices and USURY LAWS VIOLATIONS VIOLATES No Notice, Arbitrary Action Rights denied. Old information reappears never goes away.
Product: Debt collection

I am filing this complaint against LVN FUNDING this company is purchasing and trying to collection on a account that has been disputed as Fraud with the original creditor Lvnv Funding Llc Opened XX/XX/2019 {$770.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX I have never had a credit card with XXXX XXXX XXXX this account that is reporting under my personal information is incorrect I am request this account be removed from all reporting bureaus
Product: Debt collection

I've already paid this company for an account I had with then in XXXX. Instead of clearing the record they. Reported a different amount and are failing to provide any record of where this debt came from account number on one report starts with a bunch of XXXX and then some numbers and on another report it's a series of different numbers filled by some XXXX. That is both inaccurate and in complete
Product: Credit reporting or other personal consumer reports

My social security number was stolen from me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am under the protection of the XXXX XXXX XXXX XXXX. My ID and social security card was stolen from me to open accounts under my name and some of things were done by force because I am a victim of crime. All of these things are under investigation with the detective and the police department. I am requesting that Equifax block the items on my credit file due to fraud within 5 business days. I have sent proof of delivery to Equifax, the law, and the dispute to Equifax. I can not move from where I am due to my credit. The person that XXXX me and abused me is still looking for me. I am stuck because of my credit and in a life and death situation.
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 602 : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681c ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1A ) Reporting information with actual knowledge of errors. 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

I 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 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 for these violations.
Product: Debt or credit management

well i had some otgher paper work they sent to me sayying if my XXXX  accout got hack they pay but they never did anything .im sending it now to go with my other paperwork