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

- XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I noticed this morning that there were 3 Pulls in my credit performed on XXXX I should only have 1 Pull which was - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX purchased a vehicle on XXXX and was aware that my Credit was going to be ran on the XXXX However, the 3 pulls I see above I never authorized them and I recall having my account Temporary frozen which should have been frozen by the XXXX.
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 bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you 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 the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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 violates the consumer financial protection act ( CFPA ). Specifically, cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was completely 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 inconveniences and financial loss, and I seek redress for these violations!
Product: Mortgage

My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment.
Product: Credit reporting

There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have noticed a few accounts on my credit hat I did authorize or consent to I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Credit reporting

Got an Experian credit report as suggested by XXXX sheriff 's office. I want to refute XXXX items on the report. No matter how many times I call, I can not get a live person on the phone. the following address in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX it is not now, nor has it ever been our address. 
There is also a Credit card with a {$4500.00} balance. We did not charge anything in that, or near that amount, nor do we carry balances on our credit cards. This may be something regarding the call we got from our XXXX XXXX Card approximately a month ago, someone tried to charge {$4500.00} at XXXX XXXX, after speaking to us, they did not approve the purchase..
Product: Credit reporting or other personal consumer reports

There are many flaws with the reporting of this agency ( equifax ). The information on all three ( XXXX ) credit reports show different reporting. Please have this removed because under the fair credit act, the bureaus are suppose to report accurate and true information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where experience has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates the federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CDPB 's recent administrative proceeding ( File No. XXXX against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my Credit report and seen inquires I don't recognize or authorize!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Discover Card keeps calling me at my home saying they want to talk to me when I make my payments on time and have spoken to them hen previously.  Why are they calling me everyday?  Home number XXXX.
Product: Debt collection

I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never late. XXXX has already updatte the credit reporting agency. Equinox is the only one that did not update correctly.
Product: Checking or savings account

Made a deposit over {$3500.00} or so with an I valid check. Then I wrote another check per the amount of {$5000.00} lost prevention called me to warn me the check wont get paid my account was restricted. Previous to the restriction the institution failed to pay two in house charges when the money was available. They owe me {$40.00} on bounce checks.
Product: Debt collection

XXXX XXXX XXXX  has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed. 

On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act. 

Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. 

Who verified this account? What documents were used to verify this account? Where are the documents they used? 

It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt. 

XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX   can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX {$430.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX  XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit card or prepaid card

I had sent my my friend some money to his account from my Netspend XXXX XXXX by XXXX XXXX XXXX XXXX. I filed a duplicate payment dispute and they denied my claim but then they still deducted from my friends account in which his account then became negative. I have not been credited to my account any money, netspend said I would not get any credit but they still took money from my friends account and wont put it back. I have talked to them but I am getting nowhere with netspend. If they aren't giving me the credit then they need to give my friend back his money.
Product: Debt collection

In XX/XX/2022 I requested a final statement from the billing department. I received a final statement. After having an issue with the amount billed I was contacted by a debt collection company. The best collector stated that I owed much more than final statement. Later the debt collector filed a lawsuit and claims to being owed the much higher amount. Over the last 6 months the collection company has done everything within their power to get a default or summary judgement. I am not disputing the original amount only the amount brought before court.
Product: Mortgage

On XX/XX/XXXX, I was offered a Trial Modification from Selene Finance. I made a down payment of {$1500.00} on XX/XX/XXXX and made another down payment of {$700.00}. Totaled {$22000.00}. As of XX/XX/XXXX, my mortgage was transferred to XXXX XXXX XXXX. I was unaware of it. The person I spoke with at Selene Finance told me to keep all of my paperwork, I did through e-mail and they will transfer everything plus the money down payment to XXXX. Now all of sudden, XXXX claimed they did not transfer the money and they will not honor the Trial Modification. I do have the problem of XXXX not honoring the Trial Modification, but no one knows where is the money. That is a problem with me. Now I have to go to court, as of XX/XX/XXXX to explain my situation or the judge will put a judgement against my home. I am so done with these mortgage companies. They sure know how to deal with a vulnerable person knowing they are trying to keep Their home. Just want to know where is my down payment Selene suppose to transfer Thank you
Product: Credit reporting or other personal consumer reports

There are 9 unauthorized inquiries on my Equifax credit report that I don't recognize and I don't know where they came from
Product: Debt collection

Last week started complaint with WA state AG, as I received a garnishment notification on a debt judgement dated XX/XX/2014. 
Washington state statute of limitations is 6 years. I do not recognize the company. There are not public records for my person in the said county on the written threat of garnishment mailed to my address. Some of the judges listed in the order do not exist and/or are in other states, jurisdictions, not related to the state or county the garnishment is said to be filed in. 
This is also past the 7 years allowed to be reported on credit.
Product: Money transfer, virtual currency, or money service

Violation of PayPal 's policy on custom painted items. Unfair/no grounds for account limitation. The reason provided is excessive risk. 
Hi, my account got limited without any proof that the bags I am selling are not authentic. Also, PayPal granted a refund to the buyer for the custom painted bag while, according to PayPal 's policy, custom painted items can not be returned. I did speak with PayPal representative who confirmed that as well, but my account got limited the next day through the automatic reply. All of the bags I 'm selling are authentic XXXX XXXX bags that I legally and lawfully buy and own, then customize and sell. A customer who opened a claim against me has had the bag for XXXX months, then opened a case against me on PayPal that it is not authentic. XXXX has a policy that if the buyer claims the bag is n't authentic, they have to get a certified copy from the store that it 's not authentic. Instead of looking into this claim thoroughly, my account got limited. I have sold over 100 bags through XXXX, XXXX, XXXX, XXXX, XXXX, and my website. All of these platforms never had a problem with me selling allegedly counterfeit items as PayPal assumed and never limited my accounts. I am only selling authentic XXXX XXXX bags, and not only bags by this brand, but also by other brands. Please look into this issue instead of sending automatic replies. Thanks, XXXX Account ID : # XXXX
Product: Credit card

I complete a 0 % promo balance transfer with 3 % fee about a year ago. On my last statement I was changed my annual credit card fee of {$99.00} on XX/XX/. 14 days later, my statement closed, and I was charged interest on this fee, which the bank claims is a purchase. My complaint is that I think banks should not be allowed to charge interest on annual fees since they are not technically customer purchases, They have the discretion to charge this fee anytime of the billing period, so technically they could devise a corrupt plan to always charge the fee at the beginning of the customers billing statement to maximize interest for that month so even if a customer pays more than the minimum payment to cover the fee, they still get at least one month of interest, Banks can apply payments to purchases before the balance transfer or vice versa, so allowing this opens opportunity for devious banks to manage this in their interests. Also, my statement shows {$0.00} in purchases and a separate line for fees. If they see fees as a different line item, then it should be treated that way. Finally, the average balance interest is charged to is also confusing and does not match my fee amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background Screen Report (submitted XX/XX/XXXX) XXXX XXXX XXXX has reported information that is inaccurate including negative information that is more that 7 years old disallowed by the FCRA for reporting outdated negative information in a background screen report to my employer.XXXX XXXX XXXX background screen report to same employer submitted on XX/XX/XXXX appropriately excluded this information as required by law. Please see attachment.XXXX XXXX XXXX XXXX XXXX did not provide me a copy of Background screen report as required and requested for the Background Screen Report submitted XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a forbearance plan with specialized loan servicing for a home equity line of credit. At the end of that agreement I sold the property and the line of credit was paid off and closed in XXXX of XXXX. Specialized Loan servicing has market a 120 day late on my credit in XXXX of XXXX and in XXXX of XXXX with the home sold and the line of credit closed in XXXX of XXXX it is not possible for me to have late payments on this account in XXXX of XXXX. 

This action is preventing me from refinancing my new home.
Product: Money transfer, virtual currency, or money service

On XXXX, all XXXX tokens associated with my account were frozen/restricted by Ally Bank. These include my and my wife 's emails addresses and mobile numbers. 

We have discussed at length the issues on 3 separate telephone calls with members of Ally Bank 's team, including some supposedly supervisors ( like XXXX ) who have promised to take action on this. There was a ticket or reference number XXXX that was issued to resolve this, but nothing has happened. 

Unfortunately, your customer service team has not performed well because the problem is not resolved. Its quite disappointing that you have not be able to resolve the XXXX issue. I was promised that this would be resolved in 3-5 days, 10 days, etc. and now its over a month. This may be a case of Bank bullying its customers. 

Attached is the last complaint letter I had sent to Ally Bank.
Product: Credit reporting or other personal consumer reports

There are multiple addresses that I don't recognize nor did I reside at. Can you remove these incorrect addresses off my credit report and personal file. 

List of addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX