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

Trans Union, XXXX, XXXX had fail to verify accurate information on my credit report I was told today by a supervisor shayeer Decy that trans union dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.
Product: Credit reporting

EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE.
Product: Debt collection

This was paid over a year ago and have contacted western services and the credit bureaus about this with no results
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX  and am disputing an unauthorized hard inquiry on my Experian credit report. The following inquiry was not authorized by me and resulted from identity theft : XXXX XXXX XXXXXXXX XXXX I request this inquiry be removed immediately as it is the result of fraudulent activity. I have attached proof of identity, proof of residence, and an identity theft affidavit to support my claim.
Product: Mortgage

XXXX XXXX XXXX : XXXX, Is very unprofessional hes been sharing personal information with builders without my knowledge or permission he doesnt want to send me a cancellation letter stating that I no longer wants to go thru with the deal that he was offering his trying to get me to pay for appraisal and credit repair that he didnt tell me about before working with him he also send information to XXXX XXXX stating that I close on XX/XX/27 and I never sign or agreed to nothing hes claimed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX have 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 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft and have had several accounts, leases, utilities taken out in my name fraudulently. 

I learned his information after being denied for a lease due to information found on my credit bureau reports to which this account was included. I got a police report and a FTC Identity Theft report as well as medical documents detailing my complete medical incapacitation, and information on the perpetrator of the fraud, this was furnished to each of the credit bureaus when obtaining my initial fraud alert and issuing security freezes. I was assured they would block this information from appearing on my report and furnish the businesses with this information so they could take appropriate actions for their companies. 

All went well until recently when XXXX Bank decided to assert their right to " reinsert '' information back onto my credit bureau reports stating they had verified the account. I asked both the credit bureaus and XXXX Bank for the documentation used to make this determination, but was told the investigation was done and they could provide no further assistance save for a XXXX word consumer statement. 

This account is having serious, detrimental effects on my life. Just taking my immediate situation into account, I am currently unable to obtain housing because of the detrimental payment history and balances created as a result of this identity theft event. After furnishing medical records showing my complete incapacitation, documents from law enforcement, namely a police report and FTC Identity Theft report, and information on the identity of perpetrator and their incarceration I simply can not accept a XXXX word statement for an account I did not open.
Product: Debt collection

Originally created XXXX, XXXX started harrassing with this, i created also one sprcifically for them, they even created the name of an attending physician that does not even work at the XXXX XXXX XXXX  and XXXX threatened to report them to cfbp. This is when I received collections letters from accounts receivable management incXXXX XXXX accepted i do not owe that money under XXXX.
Product: Money transfer, virtual currency, or money service

I was suddenly barred from accessing my funds by Paypal for reasons they hardly describe. Despite an effort for them to explain the reason they just insisted its a final decision. This is against a background of faithfully using their services for 3 years I am unable to withdraw my money from the site, neither am I able to receive or reverse payments made to me.
Product: Debt collection

I work for a company regulated by the FCRA and know that the statute seeks to not unduly burden the consumer, which is not atypical with laws that protect consumers. The collection agency that contacted me provided very limited information about the debt they were collecting. I have medical insurance and each time my insurance card was used. I have not received anything from a medical provider indicating that there is a balance outstanding. I requested more information from the collection agency and was told I had to submit the request via US Mail. This seems unduly burdensome particularly given the fact that they went through more than sufficient steps to validate me via telephone. They simply did not want to be bothered to send the information. I went ahead and paid it for fear of my credit being impacted and will now research it to try to ascertain its viability. When I paid it, I asked if I could receive something in writing confirming that the matter was resolved and was told that I could make that request in writing. I am in absolute disbelief.
Product: Debt collection

I have blocked all communication with this debt collector ( their email addresses and phone numbers ). They have now looked up my mother 's information and they keep harassing her via phone calls, even though she has told them not to call her. They keep calling her trying to get her to provide them with my information. Despite being told multiple times, they keep calling her. This " balance '' should be attached to my student loan debt with all of the other ones I have through the same University so there is no reason why this specific debt got sent to a collection agency. I am still in school so all of my loans are currently in deferment.
Product: Debt collection

i received repeatedly phone calls all with in the same day.from Bank of America XX/XX/XXXX  (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX  (XXXX)     XXXX XXXXXX/XX/XXXX   (XXXX) XXXXXXXX XXXXXX/XX/XXXX  (XXXXXXXX)  7XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX   (XXXX)    XXXX XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXX  XX/XX/XXXX    (-XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXX XX/XX/XXXX  (XXXX)  left phone message
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax XXXX XXXX I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian keeps posting inaccurate information on my credit profile
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 and effective measures to pre and address fraud on there platform, leaving my account vulnerable and unprotected.Furthermore there 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts with the US Dept of Education show closed ; however, a debt consolidation place indicated it is reporting late payments. In addition to that it is pulling my score down a few points from time to time.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX. XXXX,
Product: Credit reporting

Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT XXXX AND EXPERIAN NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address
Product: Mortgage

Increasing mortgage. No past due payments. Little decreases. 

Mortgage XXXX - $ {$1400.00} due XX/XX/2022 Today is Monday XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Car max said I was never. I have never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
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 section 602 A. 

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  all XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 
Various calls and requests have been made to have them remove all these accounts per their violation of my rights with no replies and updates!
Product: Checking or savings account

Around XX/XX/2019, i was solicited with an online offer from Citibank to establish a " Citibank account '' package and deposit {$15000.00} into the account, maintain it for 60 days along with direct deposit activities and i would receive {$400.00}. I have maintained my end of the deal and fulfilled the requirements. I followed up 4-5 times with citibank customer service reps by chat, phone and email and they notated my account to be eligible for the bonus and will be credited accordingly. 4 months later, i received an email saying i am not eligible for the promotion.
Product: Checking or savings account

My checking acct was closed due to fees that were wrongfully applied
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 I also have some hard inquiries on my XXXX report that I didn't authorized. 


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 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 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

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 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

I recently paid off my mortgage with Mr. Cooper ( dba nationstar mortgage ). I was told by the loan representatives I needed to pay a {$25.00} loan payoff processing fee in order to receive a pay off amount to pay off the loan. The pay off amount was supposed to be good for 30 days. So I paid the fee. When I received the the pay off quote, it was tens of thousands of dollars off and only good for one daynot the 30 days as they indicated on their website! Completely inaccurate!! It indicated my pay off amount was {$26000.00}. The actual amount owed was {$1300.00}.

So why was the {$25.00} fee required?

It appears to me that I just needed to overpay the loan and would have been reimbursed the difference.

I have repeatedly asked for a reimbursement of the {$25.00} through written emails to no avail. As a matter fact they stopped responding to my requests. I was misled to believe that this fee needed to be paid in order for the mortgage to be paid off. Additionally I had over-paid the pay off and I have requested an accounting for the difference between the overpayment in the actual amounts. While a check was sent, the details were not shared with me.

I have attached the pay off quote and associated correspondence with the Mr Cooper mortgage company.
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.

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 XXXX 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 card or prepaid card

In XXXX Synchrony Financial Bank closed my HSN credit card just because I did not own a home and that is descrimination against non home owners .... This card I had since 2013 AND EXCELLENT PAYMENT HISTORY WITH XXXX  XXXX  the previous owner of card or issuer before this troublesome bank.
Product: Credit card or prepaid card

XXXX  CASE # : XXXX for reference *** We are waiting for the business to respond. 
PayPal said in an email they could not accept a XXXX  complaint, but could accept a formal complaint from the CFPB. 


Complaint filed by : XXXX XXXX ( More ) Complaint filed against : PayPal , Inc. ( More ) Complaint status : Activity Date Activity Description XX/XX/2020 Notify Business of Dispute - XXXX  XXXX XX/XX/2020 Send Acknowledgement to Consumer XX/XX/2020 Case Reviewed by XXXX  - XXXX  XXXX XX/XX/2020 More info received from the consumer ***Document Attached*** Pictures of invoice and product promised plus picture of the VERY SMALL Plastic package that arrived with 2 small rolls only. It could not handle having 2 packages of 32 FAMILY size rolls equivalent to 112 regular rolls times 2. 

XX/XX/2020 Case Received by XXXX ( Less ) Case Description : I ordered two 32 rolls FAMILY size times 2 each equivalent to 112 rolls per the picture on the website ... ( More ) XXXX  Designated Category : Billing or Collection Issues Case opened date : XX/XX/2020 Case closed date : Desired Resolution : Refund MUST be made back to the XXXX account that was charged XXXX for the full amount of {$30.00}. FULL ... ( More )