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

In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

XXXX XXXX FROM XXXX XXXX XXXX XXXX PHONE # XXXX SAYS THAT I HAVE A HUGE BALANCE WITH SEARS FROM 2013 AND THEY ARE SERVING ME PAPERS TODAY AND IF I DON'T GO TO COURT, THEN I WILL GO TO JAIL. HE WANTED TO KNOW WHERE I WORK AND MANY MORE DETAILS. 

I PAID MY SEARS CARD OFF MANY YEARS AGO AND DIDN'T HAVE ANY BALANCE AND DEFINITELY NOT A LARGE ONE CAUSE I NEVER CHARGED MUCH. 

HE KNEW MY NAME, BIRTH DATE, EMAIL ADDRESS, AND PHONE # AND SAID THAT I OWE SEARS A LOT OF MONEY AND HAVE YOU SEEN YOUR CREDIT REPORT LATELY, IT'S HORRIBLE, THEN I KNEW HE WAS LYING, IT'S VERY GOOD, I CHECK MY REPORT WEEKLY. I HUNG UP ON HIM AND BLOCKED THE PHONE # XXXX I CALLED THE POLICE DEPARTMENT AND LET THEM KNOW AND THE OFFICER SAID TO CALL YOUR FAMILY AND FRIENDS BECAUSE THEY MAY TRY TO REACH OUT TO MY FAMILY TO GET MORE INFORMATION ON ME.
Product: Money transfer, virtual currency, or money service

This complaint is against PayPal Inc . 

I selected the PayPal payment option when paying my electric bill and setup the payment to be made using a credit card that was in my PayPal " wallet. '' PayPal attempted to process the payment against my credit card, but the credit card issuer initially denied the transaction over concern about fraud and immediately contacted me via text message to confirm if this was a valid transaction. I responded that it was a valid transaction and they indicated that it would be approved on the next attempt. 

However, instead of denying the transaction, PayPal instead and without my permission processed the transaction against my checking account which is also part of my PayPal wallet. 

I contacted PayPal seeking clarification as to why this transaction was processed against an account that I had not selected or intended for use on this transaction. They indicated that when a credit card is denied they will process the transaction against other accounts and that there is no option for the customer to prevent this. This is a convenient choice by PayPal because the transaction is now processed against a checking account rather than a credit card and PayPal profits from avoiding the credit card processing fees which would have otherwise been required if the transaction was processed as the customer intended. 

This is a " dark pattern '' that PayPal has created which works to their financial interest at the expense of ordinary users. I note that the issue is not that PayPal has a " fall back '' account feature, but rather it is the fact that they refuse to allow customers to disable this feature so that payments are only processed against the intended payment method.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX car loan was late by 3 weeks. On the XXXX of XXXX they called me about the bill and while on the phone I explained to them I would have the money that Friday night, and could I pay it online. They said yes, absolutely. That Friday night when I went to make the payment, which was still under the 30 day mark by 4 days, I got pop-up message saying one-time payments had been disable for my account and to call the number. I called the number and tried to do an automated payment by phone, but was told by the recording I wasn't able to. And because of the holiday weekend they were not available to take a payment till the following Tuesday. That Monday was the 30th day. I had the money and was willing to ay them, they told me, yes, I would be able to online, and that was a lie. That Tuesday they told me that it was because I missed two automatic withdrawals on the day they came out. They weren't late, but the funds weren't there till a day or so after. Anyway, this is their sort of punishment, they lock people out without telling them, refuse any form of payment except a debit card, and it can only be with a live person for a {$7.00} fee. For 90 days. They failed to tell me all of this when I asked about making that payment, and were more than happy to take my payment that Tuesday and give me a 30-day late notice on my brand new car. My XXXX XXXX had been XXXX, but thanks to them it dropped XXXX points. I realize I was late to begin with, but if they're going to say I CAN make the payment when it's clearly a lie, I feel like that was deceptive, and spiteful, and putting a 30 day late notice on my credit report the very day I was able to pay is just wrong. Also, in the attached screen shot it appears to show up twice on my credit report for one late payment. It looks like two different branches of Hyundai are reporting the same missed payment.
Product: Credit reporting or other personal consumer reports

I have lodged disputes regarding a specific account with TransUnion repeatedly over the past 2 1/2 months. However, following each purported " investigation, '' the outcome consistently upholds the accuracy of the reported information. It is crucial to underscore that TransUnion is obligated to report only precise and truthful information. Enclosed with this formal complaint are supporting documents for verification. It is undeniably unreasonable for me, as a consumer, to expend my time rectifying errors made by one company through the intervention of another. Therefore, I express gratitude to the CFPB for their time and dedication in holding companies like TransUnion accountable for their actions.
Product: Mortgage

I asked Ally for an escrow analysis on my mortgage account XXXX to be done as my escrow account had a massive surplus. In their recent analysis, they estimated my taxes as {$46000.00} so they could fraudulently keep more of my money in this high interest environment. This is despite the fact that they know full well my taxes are around {$32000.00}. Ally know this as they my paid my tax bill in XXXX XXXX XXXXXXXX for a total of {$31000.00} ( attached ). They gave me a {$4500.00} refund rather than {$15000.00} and they increased my mortgage payments {$500.00} so that by the end of XXXX my escrow balance will be over $ XXXX in excess again! Allow know full well my taxes can not increase form $ XXXX to $ XXXX, that a 50 % increase and that is not possible. Ally have done this to deliberately keep more money than required in the escrow account.
Product: Debt collection

XXXX bought a credit card debt from another creditor.
I have been making payments on the debt. I have paid them the principle and more. The $XXXX balance is all the late fees. I mailed them a settlement letter on the XX/XX/2015 and they have not responded to me by mail. I requested that I wanted to be contacted by mail only. They have sold this debt to another collection agency, but they are still collecting the debt.


Credit Limit   $XXXX
High Credit   $XXXX
Balance        $XXXX
Past Due      $XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX and 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I ordered a credit report and notices an inaccurate reporting from a collection company. I've disputed the inaccuracies on my credit report and the company responded with the account being verify.
Product: Debt collection

I, XXXX XXXX on XX/XX/XXXX, received a bill dated XX/XX/XXXX from Progressive Management System which is a violation of 15 USC 1692b and had a consumer transaction with with XXXX XXXX XXXX  XXXX XXXX. In this letter they included Medical procedures information and Health Insurance information relating to my Daughter, XXXX XXXX which is in violation of 45 CFR 164.508a ( 3 ), 45 CFR 164.508 ( 4 ) and 42 USC 1320d-6- ( a ) ( 2 ) which states they committed and offense by obtaining individually identifiable health information and an authorization is required and they did not get that authorization from me. In this letter they used obscene language to threaten me to continuously tarnish my reputation and credibility which is a violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX  Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX Account Number : XXXX. Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Credit card or prepaid card

Re : Chase Account Debit card XXXX Card member : XXXX XXXX XXXX Chase Bank has not been responsive to my request for a dispute of a XX/XX/XXXX transaction in the amount of {$690.00}. Not only did they fail to contact me to request information about this dispute, but they also only informed me of the results on XXXX XXXX, and since I reported this on XX/XX/XXXX, their notification to me well past the 90 days deadline. I never received any mail from them either. Company Chase Bank has been unorganized in this process, in my opinion, because their off shore customer service team is not properly trained. 

Furthermore, Chase Bank has failed to notify me at all for the dispute of these other charges : XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$150.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$200.00} XX/XX/XXXX - XXXX  XXXX  - {$630.00}
Product: Credit reporting or other personal consumer reports

In my agreement of the XXXX  card with the higher balance. It was agreed by multi people, multi org levels right up to the XXXX XXXX . When paid as agreed. Any reporting would either be updated to no data or blank. Or any negative remarks would be updated. Between mid XXXX XX/XX/XXXX. The phone calls have multiple recordings of this. Within email/ messages it is also committed too. I was told bluntly to my face when the blue cash was settled officially I called and ensured on my update its the last piece of my ruined life and finances for no reason at all, thanks for that. And was told within 30 days the settlement and reporting would be finished. Months and months dispute after dispute still waitin so I can get my life on track. Amex havent you done enough damage. You always got paid in full so no hard ever done to you. Biz, house, any options gone still because of the 3 incorrect but regardless agreed to be taken care of payments. Plz update
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the XXXX XXXX credit card Charge Off and balance for XXXX  years now with XXXX and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the XXXX dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.
Product: Bank account or service

Bank of America shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account.
Product: Mortgage

I sent my payments on time every month which include escrow payments. After receiving my escrow statement showing a shortage I contacted the mortgage company and explained that there is an error on the escrow statement. The representative reviewed my payments and agreed that one of the payments is not shown on my statement. I was to receive a call last week. No-one called. I then submitted a request on line. Today I received a message stating that Our records indicate your request has been reviewed and determined there were no significant changes. 
I want the missing payment reflected on my escrow account and a new escrow statement issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been multiple violations of my consumer rights. The Credit reporting agencies failed to do a full investigation into my dispute of the following accounts : Acct Name : XXXX XXXX XXXX, Acct Number : XXXX Acct Name : XXXX XXXX XXXX, Acct Number : XXXX I do not recognize the alleged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXX XXXX XXXX. I found out these accounts were outsourced to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX. Also after telling XXXX XXXX XXXX to cease and desist with all contact, they sent me an email today XX/XX/2023 which I have uploaded trying to collect on the alleged debt. These accounts were removed from my reports previously and are now back, which is another violation. I demand a Full Investigation by the Reporting agencies, A copy of the Purchase Agreements between original debtor and collector, and a copy of an Original contract with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If Equifax choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXX, XXXX XXXX Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX  XXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX
Product: Mortgage

In 2007 I received a check in the mail for {$5000.00} from XXXX XXXX, after losing my job. I called the company to confirmed that the check was legitimate. They persuaded me to come to their office and consolidate my bills into one payment to them. I borrowed {$30000.00} and took out a second mortgage on my home. The interest rate was high, but they said that if I made my payments on time the interest rate would decline and my payments would decrease over time. I 've been paying for this mistake ever since, and the principal on the loan has remained at {$30000.00}. The interest rate is currently at 12.290 % with no signs of decreasing. Since then my loan has been sold/transferred to different companies and is currently being collected by XXXX/XXXX XXXX XXXX. They 're saying that my payments are late and have destroyed my credit in the process. Is there anything I can do to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX XXXX are alleging that I owed an amount of {$16000.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a credit monitoring alert on my credit file that Tower Loan MS pulled my credit. This was a hard inquiry on my credit profile and without my permission. This is the 2nd time,1st time was on XX/XX/XXXX. I am late paying my payment but Ive been unemployed and just now started back working. I will definitely be catching it up or paying off in the next couple weeks. I would like to file a complaint for this company for pulling my credit profile without my permission on XX/XX/XXXX.
Product: Debt collection

I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to Paypal. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.
Product: Credit card

Under the Fair Credit Reporting Act, ( 15 U.S. Code 1681c, subsection 2, no consumer reporting agency may make any consumer report containing any adverse item ( s ) of information, other than records of convictions of crimes. No adverse item besides, the conviction of crimes, should be displaying on my credit report. I did NOT give consent to XXXX, XXXX or XXXX to furnish any negative, derogatory or adverse item ( s ) currently on my report, which is a VIOLATION of my personal & privacy rights under the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( 4 ) a states " 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 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This hard inquiry is an adverse item these credit reporting agencies are reporting without my permission which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit account and they said bankruptcy was taken into account. That bankruptcy was discharged XXXX XXXX XXXX. Even though it was discharged it is still being held against me on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not true and insulting. Trans Union accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.