23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM FREE ANNUAL CREDIT REPORT. It never fails if I look at one report like Experian I will not be allowed to access my credit report that the three credit agencies block me from such as XXXX AND XXXX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the XXXX XXXX and fico over to my attorney one man should not fight this hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Tomo Credit Inc. Has removed my credit account from all 3 credit bureaus. I am paying from a monthly subscription.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase was in compliance with its own policies and procedures ; ( v ) whether Chase owed duties to myself, what the scope of those duties was, and whether Chase did not uphold those duties ; ( vi ) whether Chases conduct was unfair ; and ( vii ) whether Chase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Debt collection

I have disputed these accounts before, the answere I received I feel do not dealt with the problem. These bill have been under dispute because the items that were charged were not correct. I have fought with the hospital about the amounts and the charges. I am on Medicare and each time I have paid my copay this company has continued to try to charge outside what they should have been charging. I received treatment from them for 14 months. The last 3 months of treatment they began to charge for things that were not done, I have continually spoke with them concerning this each time the insist the doctor needs to change the code but the doctor says it 's the same code he has always used. I have contacted my insurance but have received no relief.my point being that the charges are incorrect, these are charges that were and should have been paid by my insurance. The previous time you came back with the charges had been proven, but how can you say that when you do n't know what the charges should have been in the first place. If these charges were correct my bill would have been much more than these amounts as I received the same treatment for 14 months. Why did they change the last month 's of treatment. I do n't think this should be allowed to stand as it is a dispute over the amounts charged for things that were not done. By allowing this to be placed on my credit report you are placing me in a position of being forced to pay incorrect billing or let it remain on my report.
Product: Debt collection

I'm writing this complaint again to tell the credit bureau that I'm a victim of identity theft. It feels like they don't care that I want to challenge the unauthorized stuff on my credit report. Since this breaks FCRA laws, I need that item gone from my file ASAP.
Product: Credit reporting or other personal consumer reports

I do not consent to E-Oscar verification and I have a right to privacy and these credit agencies are violating my right as a federally protected consumer.
Product: Prepaid card

I have tried multiple times to message or contact PayPal. They dont have a true effective way to communicate with them. My account does not work it had a negative balance from a transaction from a biller that I disputed and the billers services did not work they were digital and or a trial and wold not work on my XXXXXXXX XXXX XXXX XXXX 

I need my account access restored, the charge reversed and my account put back in good standing. I hardly use my PayPal. One of the main things I use it for is for an occasional purchase with a payment plan from PayPal or a class action lawsuit settlement refund.
Product: Money transfer, virtual currency, or money service

Money was sent from PayPayl to another country on XXXX in the amount of {$60.00} and another in the amount of {$300.00} dollars to a XXXX XXXX. I dont know the person
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name NY CHILD SUPPORT XXXX, Account # XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # 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
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX, GA XXXX Employer : FLORIDA HOSPITAL XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased my 2011 Volkswagen Jetta in XXXX XXXX the car was worth {$16000.00} we have tried to be up to date with the payments but I recently found out that I still owe XXXX after making 45 months payments of {$460.00}. This means that we have payed more than the car cost for us to still owe {$18000.00} this is highly unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Person called a relative phone number Ive never been contacted or received notification in the mail about this debt. Received several of the court-threatening calls. Today, I got a vm from XXXX XXXX, this time with the 'I was listed as person of interest for ( random person 's name ) ' scam mentioned earlier. Tell you to Call back from a different number, but had the XXXX for callback.
Product: Mortgage

My mortgage was sold to Ocwen. I had to file bankruptcy in XX/XX/XXXX in order to keep my house. There were areas of accounting that I could not prove, but I have been keeping betters records. My bankruptcy was discharged in XX/XX/XXXX. Ocwen kept telling me that my account was in active bankruptcy. I had to call and call and I could not get anyone at Ocwen to do anything about it. Ocwen finally did an " audit of my account in XXXX of this year. Ocwen has claimed that sine XX/XX/XXXX I was a month behind on payments. I have a report from them dated XXXX XXXX that showed I made a payment every month until XX/XX/XXXX and I have bank statements that show payments every month through XXXX XXXX. Ocwen shows on their website and at the reporting credit bureaus that I have missed XXXX payment during the last year. I HAVE NOT!!! They refuse to correct the credit report. Ocwen has added insurance to my account and under bankruptcy they opened an escrow account for the insurance. XXXX billed the payment to Ocwen and as of XX/XX/XXXX I have paid the full premium for the insurance. I now have a positive balance in the amount of {$2.00}. Now Ocwen wants to add approximately {$230.00} per month to my payment for insurance that I do not even owe. I have faxed and mailed a letter stating that I am closing the escrow account since I am no longer in bankruptcy and that I will be paying my own insurance. They in effect are trying to robbing me out of {$1500.00}. I have seen lawsuits for each of these reasons stated in this complaint. I have tried to contact the research department, the escrow department, and supervisors that can speak in a language I can understand. I would like to know what else I can do or who else I can contact. I fear they are again not following proper financial standards and are trying to take my house again using fraudulent practices.
Product: Debt collection

I received a voicemail from FIRST CREDIT SERVICES INC. stating that I have debt that was owed. When I called, they gave me an email to request the contract that they supposedly had for me. After about 30 days, without any notice in the mail, I received the contract. The only thing that matched on the contract was my first and last name. The phone number, signatures, email, mailing address were all INCORRECT. I sent the FIRST CREDIT SERVICES INC. this information and a copy of my license so they can verify that this was not valid or my debt to XXXX XXXX XXXX XXXX This was sent on XX/XX/23. I received an email from them on XX/XX/23 stating that I have not provided enough information for them to do an investigation on this dispute.
Product: Money transfer, virtual currency, or money service

Coinbase was supposed to transfer {$11000.00} to my account by XXXX XXXX they are very late and will not respond case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian, XXXX  and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.
Product: Bank account or service

I have contacted my bank - this last time was the third time due to fraudulent charges coming out of my checking account. They have issued a new debit card - but the incidents keep happening. They are coming from XXXX - which I have closed my account with them. But after XXXX there is another vendor - the latest being XXXX XXXX XXXX. They say it stems from some computer game. These charges occur every so often ( approximately once a month ). I have to dispute them and keep having to be reissued a new debit card with a new number. I am at the end of my rope as to how to stop these charges. They have also appeared on credit cards. The credit card company issues the charge back into they credit card account. However, the debit card does not. They have you wait - in my checking account is my payroll money for bills, food, utilities, etc. I ca n't wait for that money to come back - that is my spending money and bill paying money. This has been a travesty - I just want unauthorized charges to stop.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Late Payment {$12000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Collection {$810.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted XXXX XXXX XXXX # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. This debt was sold to Midland Funding LLC, who i have contacted to remove it from my credit and they put me on hold and transfer me around but refuse to address the issue. 
When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has inquires that I did NOT authorize and I did NOT give anyone authorization. These are fraudulent inquiries. The following inquiries need to be deleted : XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, These inquires NEED to be deleted, I didn't sign ANY APPLICATIONS!
Product: Prepaid card

I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me, eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I recently checked XXXX, XXXX and Equifax credit reports and I found out billing errors that clearly violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Checking or savings account

Respected Officials, WellsFargo has closed the case XXXX which was opened to make them accept {$12.00} as account fees. They have closed it saying that no fees are required because I have fulfilled their need. However, they have attempted to deposit cheque sent as compensation into my account despite the fact that I have stopped payment on it. 

Now they are charging {$12.00} as fees for that from me. 

If it was a wellsfargo cheque that had been stopped by me due to their reply, they must not deposit it into my account and charge fees. 

The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$12.00} from your account XXXX. 
Date Reason Check number Amount XX/XX/XXXX  Stop Payment XXXX {$12.00} I sent another cheque from my business checking account and that has been cancelled based on their response and the cheque number is different on that. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

1.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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX