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

I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXX XXXX  [ Account # XXXX ].
Product: Debt collection

I WAS CALLED SEVERAL TIME FROM THIS COMPANY CALLED ARS NATIONAL XXXX THEY are calling my cell phone and my job and I've asked these people many times to stop calling me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX  XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.
Product: Credit card

Citi charged my card without authorization on XX/XX/XXXX after I was awarded credit for a fraudulent charge.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting

Experian advised me to contact a collector ( XXXX ) for proper documentation since they had validated a dispute I initiated with the CRA. I followed their advise, to which the collector was unable to properly validate. I never received validation from collector after several attempts, I just received a printout. I then sent all documentation to the CRA and asked them to remove the account in question, to which their final response was ... '' We have previously processed this dispute and the credit grantor has verified its accuracy. " ... we will not re-investigate. I have all supporting documents including printout if needed.
Product: Debt collection

Was sued by a debt collector on behalf of XXXX Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of XXXX record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with XXXX and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX or XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.
Product: Debt collection

Today, XX/XX/2021, I received a debt collection letter from XXXX XXXX XXXX XXXX. They say tgat PayPal Inc sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that PayPal was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use PayPal again, I would have to pay the remaining balance. A few years back I used PayPal to make a purchase, but because I never used it I recently closed the account. I did not owe money because the PayPal account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.
Product: Money transfer, virtual currency, or money service

I was not able to talk to anyone. So nothing happened!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for my account at XXXX XXXX, Account Number XXXX Pursuant to FDCPA " Late payments must be verified/ validated prior to them being placed on your report '' so Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy, provided my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing. 
The Privacy Act of 1974 : Disclosing my personal information without my consent. 

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being. 

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with Experian regarding inaccurate late payment reporting on my XXXX XXXX account, and Experian has failed to provide proper verification or a valid Method of Verification ( MOV ), violating FCRA 611 ( a ) ( 7 ). 

The account was paid in full and closed in XX/XX/XXXX with a Date of Status reflecting this final positive update. However, late payments from XXXX & XX/XX/XXXX are still being reported despite XXXX XXXX guidelines requiring that the most recent status supersede prior derogatory marks. 

What Happened : I multiple complaints requesting verification of the reported late payments. Experian responded with a generic response and failed to provide detailed MOV. I'm demanding Experian to confirm the exact source of their verification and provide documentation. Experian again failed to provide MOV and continued to parrot the same response without providing evidence. 
I filed a CFPB complaint ( Case # XXXX ) in XX/XX/XXXX, and Experian still refused to provide proper documentation or an explanation for why the XXXX late payments remain after the account was paid in full and closed in XX/XX/XXXX. 
Why This is a Violation : 1 Failure to Provide MOV ( FCRA 611 ( a ) ( 7 ) ) Experian is legally required to provide detailed verification, yet they continue sending the same response without documentation. 
2 Metro 2 Compliance Violation Date of Status Conflict Since the Date of Status is XX/XX/XXXX, Experian is failing to accurately report the account as fully paid and closed, allowing outdated derogatory marks to impact my credit score.

3 Failure to Properly Code Dispute as " In Dispute '' ( XXXX XXXX ) Experian is required to mark the account as in dispute during reinvestigation, yet I have no confirmation this was done. 
4 Failure to Conduct a Meaningful Investigation ( FCRA 611 ( b ) ) Because Experian has failed to verify the disputed information, it must be deleted immediately.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017 I borrowed a XXXX loan from this company, now they are saying I owe over 2,000 dollars. I have attempted to contact money lion several times and I have n't gotten a call back or answered call.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Report Information Experian Report Number XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to dispute a potentially negative and inaccurately reported item on my credit report, which I believe is impacting my credit scores unjustly. I am requesting the correction of the following inaccurate information as mandated by the Fair Credit Reporting Act : Experian Report Number : XXXX Record Type : Chapter XXXX Bankruptcy XXXX Date Filed : XX/XX/XXXX Date Resolved : XX/XX/XXXX Responsibility : Individual Reference Number : XXXX Reinvestigation Outcome : No change XXXX XXXX dispute processing Record Expires : XX/XX/XXXX Court Information : XXXX XXXX CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX This entry remained unchanged even after my initial dispute in XX/XX/XXXX, which leads me to believe that either the dispute was not processed correctly or the outcome was erroneously concluded. Therefore, I am requesting a reinvestigation of this item. 

Attached you will find copies of documents that support my claim, including : Correspondence relating to the initial filing and discharge of the bankruptcy. 
Proof of the discharge that clarifies any inaccuracies in the dates or other details reported. 
Any previous correspondence with your agency regarding this dispute. 
Given the potential impact of this discrepancy on my financial health and opportunities, I urge you to correct or remove this inaccuracy from my credit report as soon as possible. Should the reinvestigation not resolve my dispute, please include a statement of the dispute within my credit file to clarify the contested nature of this record for future credit assessments. 

Thank you for your attention to this matter. I expect your prompt response and resolution of my dispute, ensuring the accuracy and fairness of my credit reporting. 

Sincerely,
Product: Credit card

My Payment was posted by Macy 's 34 days after the due date. That was my fault as an oversight on my part because we were on vacation. They subsequently reported a thirty day late to the credit bureaus. However, when I phoned in the representative I spoke with on the phone said the company 's policy is to only report accounts as late when they reach 60 days and not 30 days. Please obtain a copy of the recording and see for yourself.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Paypal has limited my account and is holding my money all because I share the same address as someone else with a limited account. I request that Paypal lift the limitation off my account. Paypal : XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I subscribed to XXXX  for a total cost of {$180.00}. Thereafter I sought to cancel the purchase and receive a refund. I contacted the company I thought to believe was XXXX as they advertised online with a very similar name. In fact, I had reached a scammer. The representative that I spoke with advised me that I had reached the intended company and if I paid and additional {$180.00} via Venmo, I would be refunded for both charges. Thereafter, I made a payment via Venmo as XXXX XXXX requested. 
I immediately discovered that this individual was in no way affiliated to XXXX Therefore I immediately contacted Venmo to request a reversal, letting them know I was scammed by another client of theirs. However, they are unwilling to comply with my request and urged me to follow up with the " seller '' directly. I have never purchased an item from XXXX XXXX. I was a victim of a scammer who utilized Venmo 's services to perpetuate fraud. Accordingly, Venmo should refund {$180.00} to me. 
I have also filed a police report on XX/XX/23 and my lawyer has sent them a letter XX/XX/23 & XX/XX/23. No response from Venmo.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I want to remove any late payments in my Capital One account, XXXXXXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One is reporting an account on my credit report as opened on XX/XX/XXXX. I sent them a letter on XX/XX/XXXX requesting information on this account. They replied that the account was opened over the phone or via de internet. I replied that this is a fraud account and I requested an investigation. they replied they see no signs of fraud because they received a payment. I replied that if they received a payment I need a copy of the form of payment they received so I can investigate since this account was opened in my name without my authorization. They replied the same thing " We see no signs of fraud ''.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft per FCRA 611 15 USC 1681 & 1681 c-2, these inaccuracies from BANK OF AMERICA XXXX XXXX XXXX XXXX fraudulent accounts ) should be removed from my credit file and blocked along with inquiries from XXXX XXXX XXXX XXXX XXXX  should also be removed. These accounts are not my accounts and I was incarcerated when these accounts was opened in my name.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Equifax in XX/XX/2022 and never heard anything. Per XXXX XXXX  missed payments that were incorrectly reported were removed. I contacted Equifax and they informed me that the dispute was closed. I asked why didn't I receive some updated information and XXXX mentioned that they do not update consumers that we have to call in. I have several items on my report that are not mine or reported incorrectly. This is affecting me from getting approved for a mortgage. My score has dropped well over 100 points actually XXXX points without any explanation. I asked for signed documents of my signature and they couldn't provide it.
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 prevent ana 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 those violations.
Product: Mortgage

PHH Mortgage Services provides and files with the XXXX XXXX XXXX XXXX XXXX false and misleading information. I email a complaint to PHH mortgage services on XX/XX/2022 and never receive a reply. I email a different complaint to PHH mortgage services on XX/XX/2022, looking forward to hear from them. I have provided proper documentation to support my complaint. I am attaching both of my complaints previously mailed to PHH mortgage services to CFPB. 

PHH has not cancel the sale date of my home that is set for XX/XX/2022.
Product: Credit card

Bank of America fraudulently opened a credit card without my knowledge in XX/XX/2022 The amount was {$5000.00} Immediately called Bank of America to report it and made a police report This greatly impacted my credit