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

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

I applied to a capital one credit card after it was suggested to me as " fantastic '' odds of approval on XXXX, the service I use to monitor my credit. I applied online XX/XX/2019. The application ID number is XXXX. On XX/XX/2019, I received a letter from Capital One asking for more information to be faxed or mailed to them. I faxed the documents requested ( income verification of my yearly income from my school as indicated as an acceptable document for income verification ) on XX/XX/2019. I faxed through XXXX XXXX which confirmed my document wet through. The next day, I called the number listed on the Captial One letter requesting my information to verify the fax was received. The phone is a robotic auto prompt. I followed the prompts to check on the status of my application and it reported to me that it was received and I would receive notice of the decision within 10 business days I am a law student and the last three weeks I have been in finals. Today, before my last final, I called to follow up on the application and found that capital one received it on XX/XX/XXXX but it was illegible on their end. They did not call me, write me or otherwise attempt to contact me and let me know of the transmission issue. They sat on my application for 21 days before closing it out saying I failed to send my documents. I have a copy of what was transmitted to them and it is a typed letter, clearly legible. As a full-time law student, I am very attentive to my credit and put a lot of thought into it before I decide to apply for something that will pull a hard inquiry on my credit. I would not have submitted my approval to pull my credit if I thought Capital One was going to discover an issue with a document I sent in and refuse to contact me. Further, they have not sent me anything about my denial or my rights as a person who had a hard credit report pulled and credit denied. I called and spoke with a supervisor, XXXX, at capital one this morning and stressed all this. She said If I want to reapply, I can but it will be another hard credit pull. Further, XXXX told me my application was denied on XX/XX/XXXX and even still, I've received no documentation or contact from them at all. 

this is blatantly unfair and unethical practices on Capital One 's side of the bargain. I didn't agree to them running my credit and refusing to take any action to actually evaluate my creditworthiness. I asked them to remove the hard inquiry on my credit but they said they could not do that because I approved it, even though the conditions I approved that on were based on good faith and fair dealing with me as a consumer and a particularly vulnerable student.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX they have me as XXXX XXXX XXXX, XXXX XXXX XXXX. 

U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

U.S. Code 1681 section 604 A Section 2 : It also states reporting agency can not furnish a account without my written permission U.S. Code 1681c ( a ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing any any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedate the reporting by more than seven years.

U.S. Code 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencyif the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I logged into PayPal and discovered an unauthorized pending transfer from my linked bank account to the PayPal Cash account. Someone had also changed the default language so I couldn't easily navigate the problems, and they changed the default telephone number. 

I attempted to delete my credit cards and bank account from their system, but once I had reported the fraud I was unable to make any changes. 

There is currently no live phone support, even for *in progress fraud* at PayPal. While I discovered this pending {$1000.00} theft attempt, I tried unsuccessfully to reach anyone at PayPal who could help. As a result, {$1000.00} was stolen from my bank account that day. The chat support was completely ineffective ; I spent *five hours* on Saturday trying to explain the problem to multiple chat reps, but each response took between 15 minutes to two hours to get someone to respond, and each person who responded was unaware of the issues described in the ongoing thread so I had to re-explain and ask the same questions to each person, all without a resolution. 

While the fraudulent transfer was still pending I put a stop payment for PayPal transactions with my bank, but the thieves changed their name so the transfer wasn't recognized and stopped by my bank. This could have been avoided if someone at PayPal could have helped me on Saturday. 

I can not delete my PayPal account because there is an active fraud investigation now, so my account is vulnerable and there is no one out there to help. 

Yesterday I received an automated message from PayPal that the money was refunded to my account, but it didn't solve my problem trying to delete my credit cards and the fraudulent phone number. Because I had put a stop payment request at my bank I needed to contact PayPal again to work out an alternative to the refund transfer, because my bank won't accept it. The money is still not returned to me. Today I spent 3 1/2 hours on chat support again, with the same outcome ; no resolution. Conflicting answers about what will happen to the money when the refund goes through, no answers to the problem deleting my credit cards or the fraudulent telephone number from their system. 

***Their lack of technical support constitutes complicity in this fraud because it was avoidable if they had just answered their phone. 

Their outgoing phone messages all refer to COVID as a reason for their inability to help, but they are a multibillion dollar company- after seven months of pandemic I believe they could have figured out by now how to forward calls to an employee working from home.
Product: Credit card or prepaid card

Greetings Because I lost my debit card, I decided to apply for a credit card through Truist Bank. I have been banking with this organization for over 40 years. ( Formerly BB & T ). I received a notice via email that I was denied the credit card. I have also received written correspondence which was supposed to inform me of the reasons for denial. I have received this correspondence yesterday, XX/XX/2022. My credit score is XXXX via XXXX and XXXX via XXXX. I have spoken with the bank, I have spoken with consumer credit card division at Truist. No one can tell me why my request has been denied. The only " credit '' we have is a jointly held mortgage. 
I receive social security, have a retirement account that has not been tapped, and a sizable savings account with Truist. 
I suspect that this is ageism. I am not at all happy. I honestly do not need the credit card, but am offended at the denial after many years of diligent monitoring of my credit and years of keeping close track of payments. I feel for the people who do not have such high credit scores and the difficulty they must have obtaining credit.
Product: Mortgage

I received my annual escrow statement from Carrington Mortgage Services who took it over from XXXX in XXXX XXXX. It shows two shortages, one for increase in taxes and the other to meet the minimum required balance. There is an escrow payment missing in their analysis that creates the short fall, another error that I can not identify and they have also created a shortage by projecting a winter tax payout due on XXXX XXXX being made in XXXX of the previous year. I called and was disconnected three times. I finally spoke to someone who did not understand the schedule and could not explain the shortage to me. She ended up telling me I needed to file a complaint with their complaint department. I have sent three emails with no response and just tried to fax them and their fax machine is not answering. My discussion with their representative was horrible. She originally told me the property taxes are paid 2 months in advance because it takes XXXX township that long to process payments. I spoke with XXXX XXXX and they post in 24 hours. In addition, the summer taxes due in XXXX are paid in XXXX or XXXX. This has been a horrible experience and I do not know what to do. My mortgage payment have increased by {$620.00} per year of which only {$250.00} is related to actual cost increases. The remainder is due to them missing an escrow payment in XXXX XXXX. They are also projecting the payment of property taxes two months early before the escrow has replenished ( summer taxes paid in XXXX, winter in XXXX )
Product: Payday loan, title loan, or personal loan

The company has now stopped talking money out of my account for no reason at all and they sent it to collections which is XXXX and XXXX this company is XXXX me over
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. 
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 
You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX # XXXX - {$13000.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$4800.00} XXXX XXXX  # XXXX XXXX XXXX # XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates XXXX XXXX XXXX. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with XXXX XXXX XXXX, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

XXXX XXXX XXXX ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section XXXX ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule XXXX, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Debt collection

Got a letter from Credit Collection Services stating I owed hem money for car insurance through XXXX! I contacted XXXX and they stated I have never had car insurance with them and this collection company is trying to collect money under false pretenses! I contacted this company CREDIT COLLECTION SERVICES and they were so ruied and calling me a lier and Im a state Judge with morals!!! I have filed a FTC report and police and NC Insurance commission! Clearly this company is making up false information to collect money!!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an ongoing issue with unauthorized credit inquiries appearing on my Trans Union credit report. Over the past year, I have encountered multiple instances where inquiries were made in my name without my authorization. Each time an unauthorized inquiry has been identified, I have promptly contacted Trans Union to dispute the inquiry, expecting them to investigate and rectify the situation as mandated by law. 

However, the response from Trans Union has been both unsatisfactory and concerning. Instead of taking on the responsibility to investigate these unauthorized inquiries, Trans Union has repeatedly informed me that it is my duty to dispute these inquiries directly with the creditor or lender involved. This guidance is not only inaccurate but also misleading, as it shifts the burden of proof away from the credit reporting agency, contrary to what is required by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, it is the responsibility of the credit reporting agencies to investigate disputed information, including unauthorized inquiries, and to remove or correct any inaccuracies found. 

The failure of Trans Union to fulfill its obligations has caused me significant distress and has potentially impacted my creditworthiness. Unauthorized inquiries can have a detrimental effect on a consumer 's credit score, and the presence of such inquiries on my credit report raises serious concerns about the security of my personal information and the potential for identity theft. 

I have made multiple attempts to resolve this issue directly with Trans Union, to no avail. Their continued insistence that the responsibility lies with me to dispute these inquiries with the creditors is not only a misrepresentation of my rights as a consumer but also a blatant disregard for their statutory obligations. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in resolving this matter. I request that the CFPB investigate Trans Union 's handling of unauthorized credit inquiries and ensure that they adhere to their legal responsibilities under the FCRA. It is imperative that these unauthorized inquiries are thoroughly investigated and removed from my credit report if they can not be verified, to restore my credit score and protect my consumer rights. 

I am prepared to provide any additional information or documentation as required to support this complaint. Thank you for your attention to this matter and for your assistance in upholding consumer rights and protections.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft My personal information has been used to obtain goods and services. I contacted Equifax and told them that this inquiry is fraudulent and provided proof, even though they told me that this inquiry were verified. Please dispute and remove fraudulent inquiry from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as an instance of non-compliance with the Fair Credit Reporting Act ( FCRA ) and to request your assistance in resolving this matter.

Under the FCRA, credit reporting agencies, furnishers, and other related entities have a duty to ensure the accuracy of consumer credit information and to comply with all provisions of the Act. Negligent non-compliance, as defined under 15 U.S.C. 1681o, imposes liability on those who fail to adhere to these obligations.

Specifically, my concern involves the following : Entity Responsible : XXXX XXXX reporting agency Description of Issue : Failure to adequately investigate my dispute claim outside of a generic reply Relevant Details : collections account is listed as XXXX XXXX and the account is stated to have opened on XX/XX/XXXX and closed on XX/XX/XXXX for an amount of {$1700.00}. Additional account was from XXXX stated to have opened XX/XX/XXXX and closed XX/XX/XXXX with an alleged balance of {$110.00} Impact on Me : My credit report has been adversely impacted by negative collections claim which have directly affected my access to financial products which would change my livelihood for the better and improve my financial success. 
Despite my prior attempts to address this matter directly with the responsible party, they have failed to resolve it adequately. I have attached copies of my correspondence with [ responsible entity ] and any supporting documentation for your review. 

Pursuant to 15 U.S.C. 1681o, I am seeking resolution of this matter and wish to highlight the negligent non-compliance that has caused me harm. I request that you : Investigate the issue thoroughly.

Take appropriate enforcement action against the responsible entity. 
Ensure that the inaccurate information is corrected or that the issue is otherwise resolved. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Negative Items Left 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 XXXXXX/XX/year> :
Product: Student loan

ON XX/XX/XXXX I WAS CONTACTED BY PREMIER STUDENT LOAN CENTER FOR AN OFFER TO COMPLETELY FORGIVE MY XXXX  $ IN STUDENT LOANS. ALL I HAD TO DO WAS TO MAKE 5 TIMELY PAYMENTS TO THIS COMPANY WHICH I FIND OUT DOES NOTHING BUT PROCESS DOCUMENTS THAT ARE NOT NON APPLICABLE BUT THAT I COULD DO FOR FREE MYSELF. THEY STATED THEY WORKED DIRECTLY WITH THE DOE BUT REQUIRED MY SOCIAL SECURITY NUMBER AND CREDIT CARD INFORMATION TO GENERATE A DOCUMENT AND A NEW FSA ID NUMBER. THEY HAVE SET ME UP WITH 5 MONTHLY PAYMENTS STATING THAT IF XXXX $ IS PAID THEN XXXX $ WILL BE AUTOMATICALLY FORGIVEN. THE ZERO PAY SCHEDULE FOLLOWING THE 5 PAYMENTS SIMPLY MEANS YOU HAVE PAID THEIR FEES FOR LOAN PROCESSING DOCUMENTS. I HAVE ALERTED MY BANK TO ALLOW NO DEBITS FROM THIS COMPANY CONDUCTING FRAUD AND I HAVE FILED A CLAIM WITH THE ATTORNEY GENERAL OFFICE AND HAVE MY SOCIAL SECURITY NUMBER CONTINUOUSLY MONITORED FOR SUSPICIOUS ACTIVITY. I DEMAND THAT THE COMPANY PREMIER STUDENT LOAN CENTER IMMEDIATELY CANCEL AND FURTHER TERMINATE ANY RELATIONSHIP BETWEEN THIS SCAM AND MYSELF. MY STUDENT LOANS ARE PAID EVERY MONTH THROUGH XXXX AND ARE NOT IN ANY KIND OF DEFAULT. I HAVE ALSO ALERTED NAVIENT TO THE NAME OF THE COMPANY AND REPRESENTATIVE WHO SOLICITED ME. I AM ATTACHING ALL DOCUMENTS TO THIS WEBSITE AND TO THE STATE OF GEORGIA ATTORNEY GENERAL 'S OFFICE