23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX.2017 Interstate Recovery Service contacted me about an alleged outstanding debt I had incurred from some sort of transaction that they can not provide me verification for. Something about magazine subscriptions. After contacting them and requesting any and all information pertaining to this alleged debt, they informed me that there was none. No receipts, no judgement, nothing. They could n't even tell me when this alleged transaction took place. I informed them I would not be paying the alleged outstanding balance of {$540.00}, and would report them to the FTC. They still would not provide me with any information at all. I looked up the company on the Better Business Bureau website and the very fist complaint was about something similar, magazines never received and on that case, accounts still requesting money after being closed. All correspondence with this company has a different address and a different phone number than the information given on the BBB website.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. My personal information was used for credit and loan purposes. The company used : XXXX XXXX via XXXX Stepstone Credit XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, KS XXXX ( XXXX ) XXXX The inquiry was made on XX/XX/year> Spoke with representative of credit company, they flagged it as Fraud. Also spoke with XXXX, they need me to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove. 

I am of age majority and have requested validation and consent to authorize such account ( s ) my request was ignored.
Product: Payday loan, title loan, or personal loan

In XXXXXXXX XXXX XXXXXXXX, I XXXX XXXX applied for a loan with One Maine Financial, while finishing up the paperwork I was asked if I would like to add unemployment insurance on the loan for a fee, I agreed to add that on. In XXXXXXXX XXXX XXXXXXXX the company I worked for closed down, and since then I have been going back and forth with the sate of XXXX  and XXXX to determine what state to file in, finally in XXXXXXXX XXXX  XXXX, I was directed to file for XXXX  unemployment. As soon as I was able to file I reached out to One Main Financial to get my unemployment insurance applied to my loan. Since then I was sent an email with paperwork to be filled out an returned which I did the same day. 
This morning I get a call from One Main Financial stating that I must provide more information regarding my claim, when I called I was instructed that I will need to prove that I worked at least XXXX the week of XX/XX/XXXX, when I asked what for I was told that in order for the insurance to kick in I would have had to work at least XXXX the week I took the loan out, prior to taking the loan I provided them with 2 months of check stubs from XX/XX/XXXX to XX/XX/XXXX, but they need XX/XX/XXXX to prove that I worked at least XXXX. To me it seems unfair and deceptive that I was sold a policy that I may not have been eligible to use.
Product: Debt collection

XXXX XXXX XXXX  ( XXXX ) is reporting inaccurate information on my credit reports. I have no knowledge of this account, and it does not belong to me. I have already contacted both the collection agency and the credit bureaus to resolve this issue, but the account remains listed.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), I request an immediate investigation and removal of this account to correct my credit report. In addition, under Section 623 ( 15 U.S. Code 1681s-2 ), Portfolio Recovery Associates is required to report accurate information, and their failure to do so violates the law.

I also ask that Portfolio Recovery Associates cease any collection activities related to this disputed account in accordance with the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S. Code 1692g ).
Product: Credit reporting or other personal consumer reports

I've submitted a Federal Trade Commission Report for two fraudulent accounts from XXXX XXXX and two from XXXX XXXX. With evidence provided, TransUnion failed to clear these fraudulent accounts. Thank you
Product: Credit reporting

Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.
Product: Credit card or prepaid card

I called my card on on XXXX XXXX 2017 before going to get a money order at XXXX XXXX it said that I had XXXX on my card, I got to the store and only XXXX was on it I cant get a hold of anyone or do anything and this is the 2nd time this has happened. I got XXXX dollars taken off my card and no one can tell me where it went or anything I am tired of this and I do not have any recourse on this. <P/>I can not get a hold of any one with Direct Express because the automated system keeps hanging up on me. It says we are experiencing higher than normal call volume and hangs up on me. <P/>this is the only money I get for the month and then I am out of luck.
Product: Checking or savings account

Check for {$100.00} was mailed out to United States Treasury for taxes. Check was never received by the IRS. Someone stole the mail with the check in it changed it to their name and for {$1000.00} It cleared my Account on XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

During the mortgage application process, XXXX XXXX with US Bank shared my husband and my credit scores as well as debt-to-income ratios with the seller as well as the sellers realtor. I was never provided with the appraisal documents for the house we are in the process of purchasing. Due to having an FHA Loan ( case number ), the process has been halted and XXXX refused to give the new lending company the case number or the appraisal. 
My husband and I have also been denied access to our application process account on their website : https : //mortgageapply.usbank.com/.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Product: Money transfer, virtual currency, or money service

Hi, I opened a PayPal account on XXXX XX/XX/2021, and had my account limited, upon the registration, and according to the message that I saw on my PayPal dashboard, was that it was limited for fraudulent reasons, and I believe there's a huge mistake somewhere. 

I registered a business account with the right details, and also included my National ID number, which is : Name : XXXX XXXX XXXX XXXX ID : XXXX PayPal Email Account : XXXX I've never used PayPal business account before, though I have a PayPal Personal account, which is : Name : XXXX XXXX Email : XXXX And I didn't see the reason why my PayPal business account was limited. I was asked to submit an ID ( Identification Detail ) in order to lift my account, in which I submitted my national ID as a form of PDF. 

Then after some hours, I received a shocking message from PayPal that i can not use PayPal any longer. I'm still very shocked and depressed, because I didn't see any reason at all for this. If there was a reason, PayPal would've let me know or should let me know. I can't wait after 180 days according to the message that I received from PayPal. 

I am a merchant, affiliate marketer, blogger, and a XXXX. I really need a business PayPal account for receiving payments online. I do use XXXX, but I prefer PayPal to XXXX. 

Please PayPal, solve this issue the best way you can. Any problem, you can contact me on this email : Email : XXXX Because, I am 24/7 active on that email. Anyway, waiting for your response. 

Thanks.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/2023 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: 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person s
hall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX  failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX 3 ) XXXX XXXX  XXXX  Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I had wrong account information for my XXXX car payment due to an error with my account number being wrong. I paid in full 1 day late after 30 days past due with my debit card and I am current on my loan to this day, and I have not received a letter in the mail and my dispute says denied on XXXX XXXX. My payment was not accepted and then returned without any information and I've called Foursight Capital multiple times to resolve my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems took longer that 45 days to reply to my dispute. Once I noticed them that they have to delete the information they sent a reply for the dispute in with the same information provided before. They set a deadline and missed it. Per their website : " your dispute will be considered as received on the following business day.   If you provide additional information or documentation relevant to the dispute while the investigation is pending, the investigation time frame  may  be extended by up to 15 days to give the source sufficient time for review.   Once it is completed,  XXXX  will notify you of the results of the investigation by mail at the address you provide ''.     30 days plus  15  additional days were also past they resonponed on   XXXX   XXXX   I disputed in late   XXXX   XXXX     when I placed a security freeze on my report. I received a confirmation of the freeze and my PIN on   XXXX   XXXX   XXXX     and never heard back until   XXXX   XXXX   XXXX      two  days after I filed a dispute against them and their reporting. In their packet your information was included. I mentioned I am going to report this as well. They can not just help banks out, this is not fair. I can not open a chekcing account due to errors and {$0.00} balance bank account reporting on  XXXX   Reference  :   XXXX   XXXX     XXXX   XXXX     XXXX
Product: Credit card or prepaid card

American Express Serve has allowed my Serve Card to be used by unauthorized individuals in other states and they have stolen my social security benefits which is sent directly to my American Express Serve Card. Over approximately {$1000.00} in social security benefits payments to me has been compromised by the theft of others that I don't know. I have given no one my card to use for any reason whatsoever. On XX/XX/XXXX I received this information regarding a XXXX Treasury : Mon, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Account ending in XXXX Hi XXXX XXXX, Good news! 
You received a Direct Deposit from XXXX XXXX XXXX SEC, and the money is now available in your American Express Serve Account. Please keep this email for your records. 

Transaction Details : From XXXX XXXX XXXX SEC Amount {$540.00} Date available XX/XX/XXXX Transaction ID XXXX Questions or want to learn more about Serve? Visit us at serve.com/help. 
Thanks, The American Express Serve Team However, I am unable to access my funds and other deposits for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my XX/XX/2021 complaint to the Credit Bureau several of my credit accounts on my credit file were completely removed. Years of credit history were completely removed off my credit file. And today XX/XX/2021 my credit score dropped 47 points as a direct result of this. I did not ask for my credit account to be completely removed off my credit file. Nor did i ask the creditor to notify the credit bureau to remove the credit account off my credit file. Also i find it very hard to believe that a proper investigation of my disputes were conducted because my employer was not accurate and up to date. How can the bureau conduct an accurate investigation if my employer wasn't correct. Due to these inaccurate information i believe that my request of the removal of delinquent payments. As well as an update of my name with the spelling of my full last name and middle name.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds that the account is accurate, without providing any evidence oc a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore XXXX s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XXXX XX/XX/XXXXfor the amount of XXXX. 
XX/XX/XXXXXXXX XXXXXX/XX/XXXXr XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX/DOFED XXXXXX/XX/XXXX/DOFED XXXXXX/XX/XXXX XXXX Inquiries XX/XX/XXXXdates XX/XX/year>2024 XXXX XXXX, 2024 XXXXXX/XX/XXXX,2024 XXXXXX/XX/XXXX XXXXXX/XX/XXXX,2024
Product: Checking or savings account

My account got frozen an deactivated for something i didn't do an now i have XXXX dollars held up for 180 days an i need my money
Product: Student loan

Hi, My loans were transferred over from XXXX XXXX to Mohela because I am under XXXX and also under XXXX. Initially I was told that my payments would return to my pre pandemic payments which were {$73.00} until I have rectify the earliest which would be sometime next year. This was being reflected on my Mohela page as well. Today I logged on to see that my payments would be over {$4000.00} with a date of XX/XX/XXXX. This is extremely frustrating as a consumer and I have been on the phone for over an hour without an answer.I have attached documents of my old statement from XXXX and also what I saw on MOHELA today. Thank You
Product: Credit reporting or other personal consumer reports

Experian, a major credit reporting agency, has been under fire for its use of offshore agents who have access to sensitive personal information. This poses a serious security breach and puts consumers at risk of identity theft and fraud. Not only that, but the customer service provided by these offshore agents is often subpar, with many customers reporting constant hang-ups and unhelpful responses. It is unacceptable for a company like Experian to prioritize cost savings over the security and satisfaction of their customers. By outsourcing customer service to offshore agents, they are putting individuals at risk and failing to provide the level of support that consumers deserve. 
It is time for Experian to take responsibility for their actions and prioritize the safety and well-being of their customers. They must address this security breach immediately and improve their customer service practices to ensure that individuals are not left vulnerable or frustrated when seeking assistance with their credit reports. Experian, one of the leading credit reporting agencies, has been lacking in its approach to identifying credit fraud and misinformation on credit reports. In my personal experience, I have found instances where fraudulent activity was reported and resolved in as little as 24 hours. This quick resolution raises concerns about the thoroughness and accuracy of Experian 's investigation process. Credit fraud is a serious issue that can have long-lasting effects on an individual 's financial well-being. It is crucial that credit reporting agencies like Experian take the time to thoroughly investigate any claims of fraud to ensure that accurate information is being reported. A quick resolution may seem convenient, but it does not necessarily mean that the issue has been properly addressed. To maintain fairness and transparency in the credit reporting process, Experian must improve its approach to identifying and resolving instances of credit fraud. Consumers deserve a thorough and accurate investigation process when it comes to their credit reports, and Experian must do better in this regard.