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

It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

The Privacy Act of XXXX  in conjunction to above referenced.
Product: Debt collection

XXXX was paid off last XXXX 2014, no bills OR notices have been received at this address. NOW 2 months ago we get calls at ALL hours of the day from multiple numbers, PLUS my married sister got them at her home., I got them at work.I have called them repeatedly and told them XXXX said is WAS THEIR error and that I owed nothing. Still calls and letters, first demanding {$6000.00} plus, then 3 payments or {$2000.00} plus now it 's {$2400.00} to settle debt that I do NOT owe. I have told them REPEATEDLY to straighten it out, THEY ARE RUDE AND OBNOXIOUS AND refuse TO LISTEN all they say is send the money. I have asked them to show me a bill from XXXX and all the sent was statement saying I owe {$6000.00} plus but NO idea where they got that figure. I have received NO BILL from XXXX for over a year about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taking measures to improve my credit the past few months. In XX/XX/XXXX I disputed a collection account on all three credit bureaus. The collection was listed as XXXX XXXX ( account # XXXX ) for {$180.00}, original creditor was XXXX XXXX XXXX. I have no knowledge of this account. My ( XXXX ) dispute results came back on XX/XX/XXXX with the results stating that the account was removed from my credit report. XXXX and XXXX also removed this account after completing online disputes. On XX/XX/XXXX, this same account, Original creditor XXXX XXXX XXXX for {$180.00} was reinserted on my credit report by all three credit reporting agencies. It is now listed as a collection from Diversified Consultants ( acct # XXXX ). I am not sure why this debt keeps resurfacing as it is not mine, and also I never received any notification in writing or otherwise pertaining to this debt or the fact that it would be added back onto my credit report.
Product: Money transfer, virtual currency, or money service

I'm an XXXX XXXXXXXX with a small business XXXX XXXX XXXX XXXX. A client asked me if they could pay via credit card so I set up a payment link for the first time through my Chase Business account ( which uses wepay ). The client paid and I received a confirmation email. The next day I received an email from Chase that my account was closed and the payment was frozen, there was no explanation or contact with me asking for more info, and I have no idea what I could have done wrong. I called Chase bank and a customer service representative told me that they couldn't do anything because the payment is being held by wepay not Chase, and they'll maybe send the money back in 120 days. As a small ( one person ) business this payment of $ XXXX is my only way of paying rent for my workspace and materials for the project. Wepay is effectively destroying my business and everything I've worked for the past few years in one transaction. They don't have a phone number so there's no way to contact them, and Chase bank seems to have no info about the problem. I need wepay to release the payment into my business account or refund the customer immediately so that they can send payment through XXXX or ACH.
Product: Credit reporting or other personal consumer reports

Equifax did correct some of the errors on my record and we have made progress but they continue to allow the 4 companies in my attached letter to report information that in inaccurate. I have followed proper procedure, produced evidence and provided legal basis 's to them as to why their reporting is inaccurate and must be corrected. It can be summarized as follows : 1. Reporting an account charged off with a balance is patently and legally false, as it is NOT owned by the company reporting it month by month after the charge off and sale 2. Reporting late payments on a charge off for the exact same reason as # 1 3. Reporting the worst status as charge off is also false, as the company made that choice, I did not choose this, so this needs to be corrected 4. Numerous times on a single record shows late payments, which is used as a punishment by these companies and they are breaking the law knowing reporting false information for that reason.
Product: Credit reporting or other personal consumer reports

The middle initial on my TransUnion credit report is displaying as XXXX, this is incorrect. Please delete the incorrect middle initial ; XXXX, and replace with the correct middle initial ; A. I am writing your office today as I am a victim of fraud. An unknow individual used my personal information in the past to obtain credit. I filed a complaint with the XXXX XXXX Police Department and I attach a copy of the card containing the case number with this letter.
Product: Credit card

Went to XXXX and purchased a bedroom set with their 12 mo same as cash deal though Synchrony Bank. I made equal payments on time each month and payed off the original amount of {$2300.00}. The following month they send a bill for {$800.00} plus and for the 33 % interest plus Card Security charges and late fees. I never authorized any card security protection. I feel this is a scam against consumers and want this account cleared of all interest, card protection and late charges. 
Thank you
Product: Debt collection

I have this collection on my credit reports I have tried to get them removed but it has not happened. This debt is not mine and never was I would like it removed as soon as possible. This is on all my credit reports and is not mine. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Overview You've paid off 0 % of your collection amount. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my credit report because you are reporting inconsistent information. XXXX last reported is XX/XX/24, XXXX last reported is XX/XX/24, and XXXX last reported is XX/XX/24. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. The dispute letter, which is dated, and time stamped, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX XXXX {$1100.00} XXXX - Axxt # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$1100.00} XXXX XXXX - Acct # XXXX XXXX {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX XXXX {$0.00} - No Name Acct # XXXX XXXX {$1000.00} XXXX XXXX - Acct # XXXX XXXX {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian and XXXX concerning acct # XXXX. They stated that the account is accurate and varified but XXXX  did their investigation and deleted it from my account. I have been trying to get Experian and XXXX to please remove this from my account as well. I attached the document that shows XXXX  deleted this from my credit report. This is hindering my ability from obtaining credit.
Product: Mortgage

My property address is incomplete on all documents causing challenges. 

I have submitted multiple request with no response to date.
Product: Mortgage

I originally had 2 mortgages on my home, under Option One. both were sold to Ocwen, while with Ocwen I did a modification. which consolidated them into one mortgage. Now I am with XXXX XXXX XXXX XXXX XXXX 

I am trying to refinance with XXXX XXXX XXXX, I can not do so because Ocwen still has a lend on the title for the second Mortgage. Each time when I call, they tell me they can see where it was modified into one, but they have the paperwork for clear tile. and this was all done in XXXX So now they are telling that it appears that the second Mortgage is still with Option One. I have been trying to clear the title along with the refinance company for over 2 months now without any progress. The bottom line is Ocwen is the mortgage is listed on the title with the lien.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. XXXX failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 

XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX Inquiry : XXXX XXXX XXXX, XXXX + Travel/Entertainment XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX  XXXX XXXX : XXXX XXXX, XXXX + Banks XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I would just like for the late payments to be removed from my credit report. I have been in and out of the hospital and not working and havent been able to pay anything. Im getting evicted soon and everything that could go wrong has. I am just asking that your company will be merciful and remove the late payments and maybe we can set up a payment plan for my account, please!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently working on buying a home and Equifax is unable to produce a credit report for me. This is very frustrating because I have called them numerous times and attempted to fix this. Equifax claims they can not find a credit report for me, even though I have provided copies of my personal information. This is holding up my real estate transaction and is costing me a lot of money. The mortgage lender was able to pull my credit reports through XXXX  and XXXX. I have accounts through major banks like XXXX XXXX, XXXX XXXX  and XXXX. They report to all three bureaus.
Product: Debt collection

I called Pacific Retrieval LLC today, and spoke to a man who ended our conversation by hanging up on me. I was trying to explain what I knew of my claim. Note, I am not an insurance adjustor, nor am in debt collections, so I'm not familiar with the processes as well as those who are, so I was asking questions and telling him what I knew. He was rude from the start, and at one point he tells me " thats the most ridiculous thing I've heard all week. '' I asked what he meant and he responded with this threat, " if you don't want your credit hurt you can call back and set up payments '' and then hung up on me. I tried calling back, and I heard the same man in the background yell at the lady who answered my call, " just hang up on her. '' So she hung up on me as well. The calls are recorded. I suggest requesting those recordings. As of now, I haven't been able to resolve this issue or figure out how I now have debt in collections.
Product: Mortgage

I paid off my mortgage to Planet Home Lending and refinanced with another bank. Planet Home Lending ( PHL ) sent me a check for the accumulated escrow for {$3900.00}. I deposited the check with my bank, XXXX  XXXX XXXX. XXXX had the check returned to them from PHL unpaid and the funds were withdrawn from my account. I contacted PHL and was told to submit the paperwork that XXXX had forwarded to me regarding the non honored check which I did email to them on XX/XX/2021. I keep being told that it is being looked into as to why the check was not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Debt collection

Have called over 20 times. The debt is well past the statute of limitations. I have told them many times to place me on their do not call list and they have told me that they refuse to do so. They have threatened to sue on the phone, and then they sent me a letter that they legally can not sue because of the age of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : MB # XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX   were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and UNITED CONSUMER FINL S ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to UNITED CONSUMER FINL S and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.
Product: Money transfer, virtual currency, or money service

PayPal has had a hold on a {$600.00} payment to me for over a month. The payment was made on XX/XX/2023, the account name is XXXX XXXX XXXX. 

I run a small, seasonal, business taking photographs of motorcycle racing here in Utah and have done so for over 10 years. Many of my clients pay in advance for their photos, sometimes as early as XXXX. 

I have had a PayPal account for over 20 years and have made transactions for over {$600000.00} in that time, mostly for XXXX sales. I am not new to them. 

This is the fifth straight year that the person who made the {$600.00} payment has done so, there is nothing new about him, either. 

Contacting PayPal ( multiple times ) about this issue has not resulted in any resolution, all that they will say is that they hold funds at their discretion and won't tell why this transaction is being held or when it will be released.
Product: Checking or savings account

On XX/XX/year>, I noticed an unexpected automatic charge on my account. I immediately contacted Bank of America for clarification and was informed that I had a charge-off account. I was then transferred to the relevant department, where I was told that, as an authorized user on my mother 's account, I was responsible for the chargeeven though my mother was not an authorized user on my account. 

When the account was opened, I was coaxed into signing an agreement that clearly stated I would merely be an authorized user with no financial responsibilities attached. This makes the current situation even more perplexing. 

I asked when I had last been contacted or sent any correspondence regarding this matter. The customer service representative bluntly replied that no letters or notifications would be sent. She then asked if I wanted to set up a payment plan. I explicitly stated that I did not want to set up a payment plan and that I planned to close my account. In response, she threatened that I would be reported to the credit bureaus if I didnt agree to a payment plan. 

Last 4 of the Account XXXX where the payment went. 
Accounts I am being associated were I was just supposed to be authorized user XXXX & XXXX