23daVinci/CFPB_Complaints huggingface dataset:
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  Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX 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 shall 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: Money transfer, virtual currency, or money service

I was scammed by a fake landlord when paying the starting fees for an apartment and when I told they I was scammed they proceeded to tell me they couldnt help and to request a refund from said scammer and I was out of XXXX. 
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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The problem that Im having with Portfolio Recovery Associates is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an issue with the mortgage attached for the loan under Shellpoint for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost 200 properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XXXX XXXX and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his DTI and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost 200 properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a 5 year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$810.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Experian is breaking the law.
Product: Credit card

I applied and was accepted for a US Bank XXXX XXXX Visa signature, which advertised a XXXX award night free on all stays booked with points while holding the card, along with other benefits, for paying the annual fee. I received notice a few weeks ago that the benefit was ending as of XXXX XXXX, about 6 months of the way through my XXXX year of having the card. I applied for the card, and suffered a hit to my credit score, primarily because of this benefit, and having it removed is a big blow to its value. I called the bank and asked for some form of compensation, and they were only willing to give XXXX points, which is worth about {$15.00} maximum, nowhere near the lost value of the benefit being removed. I feel like this was a bait and switch on the part of US Bank, as I applied for this specifically for a benefit that was promised, only to have it removed shortly thereafter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The collision asset account is not mines I have no knowledge of this account seems to be a fraudulent charge added to my account and I have disputed this with XXXX and it was removed but it is still showing on my experian account.
Product: Credit reporting

when I moved out of my apartment I owed the owner XXXX dollars. they took the money out of my check every pay period until they got the hole balance so every time I apply for an apartment I get denied. so I called the credit people and they said the owner was still on there. I really need that off I fax the credit people the proof that I payed it.so I really wana no can you take that off thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name on XXXX. I initially sent all documents to all 3 reporting agencies in XXXX after my legal name change was finished in the courts. My identity was changed at XXXX and XXXX. Equifax has yet to change any of my personal information in the time frame of 12 years. 

I am currently trying to get finances for medical reasons and am being denied a loan due to identity discrepancies across the reporting agencies. ( XXXX, XXXX, Equifax ) I contacted Equifax by phone most recently on XXXX. I spoke with XXXX XXXX, I was told to open an account online using the name XXXX XXXX XXXX and upload the court documents and a copy of my passport to get my name changed. 

I uploaded the requested documents for dispute # XXXX. The request for name change was denied stating that more documents need to be submitted. At this point I am uncomfortable sending more information about my identity to Equifax. I have on multiple occasions sent documentation over the last 11 years to no results on my identity change. 

I have tried on multiple occasions over the last 12 years to get this resolved with Equifax. 

I now have every reason to believe that this is discrimination due to my gender identity and it is now costing me substantial amounts of money and affecting the outcomes of my heath prognosis and future. 

I XXXX XXXX XXXX would greatly appreciate a look into this matter so that I can finally have the dignity and respect to get the financial and medical care that I deserve and need.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the inadequate response received from Experian concerning my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, with reference number XXXX. 
Account Details : ** Account Holder : ** XXXX XXXX XXXX XXXX Account : ** XXXX Account Number : ** XXXX Date of Reported Late Payment : ** XX/XX/XXXX On XX/XX/XXXX, I received a response from Experian merely validating the late payment without providing a detailed description of the verification process. This response is wholly inadequate and fails to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Provisions : ** As outlined in 15 U.S.C. 1681 and specifically under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors and credit reporting agencies are mandated to report information accurately and completely. Experian 's failure to provide a comprehensive verification process description is a clear violation of these statutes. 

Furthermore, the account in question should reflect its accurate status as " Paid As Agreed, Never Late '' ( PAANL ). Experian 's failure to correct this error after my initial dispute constitutes non-compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the same account to my credit twice for the same exact amount of {$3200.00}. The lender is XXXX XXXX XXXX XXXX. Even though it's showing two different account numbers, there's no way I can owe the same lender the exact same amount on an account. There's another account being reported by this same lender in the amount of {$4800.00} with an account number of XXXX. This same account is being reported also in the amount of {$3200.00} with the same account number. There is a total of three accounts being reported by Equifax and this company. 


Also, there is an account being reported by Equifax with 35 chargeoffs with an account number of XXXX. 

Equifax is also reporting an account from XXXX XXXX XXXX with Account number XXXX in the amount of {$0.00}.
Product: Mortgage

This complaint relates to mortgage company unfairly refusal to endorse and release funds from a legal settlement in which a mortgage lender has no financial interest. 

I incurred property damage XX/XX/XXXX. When my insurance company neglected to properly assess the claim, I was forced to file a lawsuit in California court. Ultimately, at great expense to me, I settled the case and received a check for {$130000.00} from the insurer, with of course no admission of wrongdoing and no allocation of what the check was for. This check amount includes recovery for all my legal fees and litigation costs and recovery for several causes of action -- only a small portion is related to property damage. That small portion is less than the mortgage company 's threshold to monitor repairs or restrict the funds. 

The mortgagor has given me the runaround for weeks and will not release my settlement funds in which they have no interest ( approx {$95000.00} ). Further, the remaining balance of the check falls BELOW their own stated criteria for a restricted escrow account to monitor the repairs. 

Here 's a summary of the relevant amounts : Legal settlement check : {$130000.00} payable to me, bank and my lawyer Outstanding Mortgage : ~ {$110000.00} Minimum repair estimate requiring restricted escrow by JPMorganChase : {$40000.00} MY LICENSED CONTRACTOR REPAIR ESTIMATE : {$39000.00} MY LEGAL FEES and COSTS ( invoice due XX/XX/XXXX )  {$35000.00} REMAINDER = my recovery for the misery of bringing a lawsuit for 2 years .... 

To make matters worse, the damage is to an accessory structure. 

Every time I call the bank, I get a different story. Nobody will follow up as promised and they keep referring to another department that does not take consumer calls and repeatedly and summarily " denies '' requests to release the funds. 

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

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX fed XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

I was mistakenly debited twice for the same payment. An error by paypal. I placed a request to the resolution center. They contacted the seller who told me only a single transaction was placed. I never received credit from the seller. I tried to call paypal multiple times but they informed me their system was too busy and hung up. I tried to contact them via their messaging I heard nothing. Finally their collections department called but refused to review the issue. I believe that paypal systems are no longer functioning correctly and need to be reviewed. 

Duplicate charge CASE CLOSED Case ID : XXXX The case was closed in the seller 's favor as you've already received a credit from the seller. 


Case details Transaction amount {$93.00} XXXX Transaction ID XXXX Payment method XXXX XXXX XXXX XXXX XXXX x-xxxx Date reported XX/XX/2020 Your notes There are two different transaction XXXX and XXXX which show as two separate transactions. Note XXXX was billed to my bank account on XX/XX/2020 for transaction XXXX. I was then told I had an outstanding balance of {$93.00} for transaction XXXX which required me to transfer funds for XXXX on bank charge XXXX. The transactions XXXX XXXX both a named XXXX. I checked with XXXX and they show only a single transaction. I was told a week ago this was an error that would be cleared by my bank but there are two separate billing to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT TARGET WAYFAIR AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

Over the past 20 plus years, I was unaware I needed to provide the credit bureaus with my express consent to furnish my information. Now that I am aware, I no longer wish to have the credit bureau furnish my information. 

I wish to exercise my rights at this time.
Product: Credit reporting or other personal consumer reports

Begininning in XXXX XXXX XXXX XXXX XXXX XXXX began reporting me as 30 days late, ( 60 days late in XXXX, 90 days late in XXXX, And Charged off every month since ) I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my 2nd attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, XXXX, Equifax ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX XXXXXXXX XXXX XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Product: Debt collection

After discovering that a debt collection company and Trans Union were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. 

Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. 

In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. 

If the company persists in these practices, I will be forced to take legal action. 

I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX