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

15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( XXXX, Experian, XXXX ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct # XXXX Act # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Act # : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last XXXX digits of acct ; XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Account permanently limited without explanation. Funds, including BitCoin being held for 180 days. 

On XX/XX/2021 I received an email notification that my PayPal account has been permanently limited without explanation. I have been a customer for well over 12 years without any issues or disputes. Included in my funds is {$310.00} and an amount held in BitCoin, which at the time of this writing is {$85.00}. A service which PayPal offers. I am unable to sell my holdings in BitCoin as my account is now limited. 
I'm disappointed in my loss of account as I use PayPal frequently. I understand I should receive my funds after 180 days, however, I am greatly concerned in losing the ability to sell my holdings. If the price of BitCoin drops, I will have no way to sell which could lead to a loss of money. 
Account ID : XXXX XXXX
Product: Student loan

Full consolidation loan payoff was made on XX/XX/22 that was in excess of the then outstanding balance by {$1000.00}. After an already lengthy waiting period, the excess should have been refunded but still remains outstanding. I have made numerous requests to get the balance refunded to no avail ; it's always processing or awaiting approval. At this point I consider this theft. I've dutifully paid interest for years ... will I receive XXXX months of interest for their unapproved loan?
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX # 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 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. 

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX # XXXX ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. XXXX has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

Cashapp has and continues to allow unauthorized transactions on my account even with physical documents advising them these charges to XXXX  XXXX XXXX XXXX XXXX and charges to the XXXX are not valid charges. I have provided documents on each incident to show the charges are incorrect but Cashapp keeps refusing the documents as evidence and sides with the merchant who has provided nothing. 
Stratosphere XX/XX/XXXX {$100.00} XXXX  XXXX XX/XX/XXXX {$28.00} I literally provided Cashapp with a copy of the legal letter to XXXX  XXXX notifying them they are NOT authorized to charge my account and Cashapp STILL allowed them access to my account and approve the charges then denied my dispute without any explanation. I will include the docs with this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, the payment wasn't late, just lost in the mail as confirmed by the bank several times. Yet they refuse to remove the late payment on the credit report. Claiming they can't " do it ''. 

XX/XX/XXXX- XX/XX/XXXX. During this time I was on state mortgage assistance programs which the State of illinois was paying my mortgage. Upon several times of notifications that I was in this program, the bank called me up, claiming that they had never got the payment. Which I had to talk to " a specific '' person to get that program readjusted because there was only 1 person in the bank that dealt with the program. As I was XXXX and not able to work while waiting for the Veterans Affairs claims to process. 

They claimed it wouldn't go negative on the account because of the state couldn't get a hold of the bank contact that was supposed to DEAL with the payments directly. As per their own program and policies. Yet when the late payments occurred. They reported it to the credit company as negative. Even times when things were late in the mail in XX/XX/XXXX. Where the payment was a few days late, they counted as 30 days. I called and let them know. AGAIN. the reps at the bank claimed it wouldn't go on the credit report because I was in a tough situation between SSD claiming I was supposed to be on VA XXXX and shutting me off of assistance. While of course, the VA taking their sweet YEARS timeframe to do anything and get anything done. 

Not to mention that literally every few months they disable my account. picture attached.
Product: Debt collection

This is company is trying to collect money that i never owned i sent them a letter few times asking validation never responded also spoke their customer services and still asking to give me a validation letter and i never got any answer from them. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Amount {$650.00} Account number XXXX WAYPOINT RESOURCE GR Original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a withdrawn  Federal tax li en still showing on my report that was withdrawn i n   XXXX   XXXX   2017.  On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS withdrawl form ( which I will also attach here for you ). I have also verified with   XXXX   XXXX  , KY that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal.  XXXX  removed the lien from my credit report immediately and  XXXX  is investigating
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a violation of the Fair Credit Reporting Act ( FCRA ) that has negatively impacted my rights as a consumer. Specifically, Experian has failed to comply with the provisions of 15 U.S.C. 1681b, 1681c-2, and 6802, which have been designed to protect consumer information and ensure timely communication from reporting agencies.

Violation of 15 U.S.C. 1681b : It is my understanding that Experian utilized my consumer report for purposes not prescribed by the FCRA without my explicit consent and failed to provide me with the required notice within five days of this action. This unauthorized access and lack of notification is a clear breach of the FCRA 's guidelines designed to safeguard consumer privacy and inform consumers of the use of their credit information.

Violation of 15 U.S.C. 1681c-2 : Additionally, Experian has not adhered to the requirements set forth in 1681c-2 regarding the proper and timely updating of consumer information. This failure has resulted in outdated or incorrect information being reported, further jeopardizing my financial well-being and creditworthiness.

Violation of 15 U.S.C. 6802 : Experian has also violated 6802 by failing to provide me with a notice of my rights under the FCRA, which is a fundamental requirement to ensure that consumers are aware of and can exercise their rights to dispute inaccuracies and access their credit information. 

As a result of these violations, I have suffered unnecessary hardship, including but not limited to, financial damages and undue stress. The inaccuracies and lack of communication from Experian have adversely affected my ability to obtain credit and have caused significant damage to my credit score and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent
Product: Credit card

USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX XXXX and Experian XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and Experian remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming Experian is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the account listed above. Please provide me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payments from my report. FCRA allows 30 days for this to be rectified
Product: Debt collection

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING XXXX PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE XXXX PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.
Product: Credit reporting or other personal consumer reports

This list below are iquiries that was made without my consent using my personal information with means of getting credit. This is identity theftXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX  Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXXXXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax  XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX  Used XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my SS # is XXXX. 
I am FILING THIS COMPLAINT TO TRANS UNION FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

Your failure to positively verify these accounts has hurt my ability to obtain credit.

PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX & 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated an ACH transfer of {$6000.00} from my Discover account to my XXXX account. Discover confirmed the transfer, but on XX/XX/year>, XXXX rejected it. However, the funds were never returned to my Discover account. 

I disputed the issue with Discover, and they credited me a refund on XX/XX/year>. Later on XXXX XXXXXXXX XXXX Discover reversed the refund, withdrawing the funds again without providing any proof that the transaction was completed. 

Despite multiple attempts to resolve this, Discover has failed to provide documentation showing where my money went. XXXX also denies receiving the funds. It has been over a month, and I am missing {$6000.00}, which I need for school tuition. The lack of accountability and coordination between the banks has caused extreme stress and financial hardship. 

I had no way but to request CFPBs assistance in recovering my missing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX to XXXX XXXX, 2022, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Product: Debt collection

A collection was placed on my credit in the amount of {$3600.00} as of XX/XX/year>. I called the company for resolution but it was not resolved
Product: Credit reporting or other personal consumer reports

My information was compromised in the XXXX data breach and the following unauthorized accounts and inquiries are reporting negatively impacting my creditworthiness. I mailed a dispute letter XX/XX/XXXX and I will attach it for your reference. It is dated and time stamped. My data breach claim id is XXXX. Please see attached FTC report. Please remove the following from my credit report : Account : XXXX XXXX XXXX. Inquiries : XXXX XXXX XXXX EXPERIAN, XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXXEXPERIAN, XXXX XXXX XXXX  EXPERIAN , XXXX XXXX XXXX XX/XX/XXXX EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX  XXXX  Equifax
Product: Debt collection

I acted a payment arrangement with these people on XX/XX/2016 account XXXX and made all payments on time ... these people are reporting FALSE information about me to the world wide WEB that I am late ... Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017. Barclays Bank Delaware added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Barclays Bank Delaware has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX XXXX and Experian ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return receipt.
Product: Mortgage

State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months. 
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent on the 1st each month to Caliber Home Loans. 
For some unknown reasons, Caliber Home Loans are not crediting such payments on time, therefore I'm incurring in late fees and they are reporting these payments late, to all three credit bureaus, when actually these payments are made on time. 
These Homeowners Assistance Program is a Federally program to assist homeowners to avoid delinquent payments. 
The Homeowners Assistance Fund ( HAF ) confirmed on several occasions that all payments are in fact sent on the first of each and every month. They have no idea as to why Caliber is not crediting payments on time
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud during that time someone opened these accounts and some of these accounts are over XXXX XXXX XXXX and they wont take them off my credit report
Product: Mortgage

My home loan was sold by my previous mortgage servicer to XXXX XXXX XXXX  around XXXX of 2015. Since then, they have been adding a balance of about {$900.00} for legal fees that they claimed they inherited from my previous mortgage company. I have contacted them many times via phone and email asking for proof that I owe this legal fee, but they failed to show any signed documents showing that I owe this amount. My last conversation with them was today and the rep said she would send me the document showing what I owe and she basically sent me a payment history showing that I was never late and a letter from ShellPoint showing that I owe a legal fee of {$520.00}. I asked for rep for any documents signed by me showing that I owe this amount and I also asked her if this was something Shellpoint inherited from my previous mortgage servicer, how come they never asked me about it for 5 years and suddenly when the loan was transferred to Shellpoint, the legal fee was added to my monthly statements and she did not have an answer. At this point, I feel that ShellPoint is scamming me and I suspect fraud since they can't come up with anything. The only communication I received from ShellPoint was a letter stating that they would look into the request and let me know and they never got back to me. I disputed the amount several times but they never responded to my request with either evidence showing what I owe or a solution to resolve the situation. I would like this fee removed since ShellPoint can not provide proof. I am attaching a copy of my statement history showing that I was never late for a payment and a copy of the account status document they sent me when I asked for proof showing that I owe this legal fee. My loan number is XXXX, mortgage services, Shellpoint Mortgage, XXXX, SCXXXX, phone XXXX, www.shellpointmtg.com