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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other tha
n records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today XX/XX/2019 in reference to a dispute file # XXXX that was dated XX/XX/2019. After talking with a rep that didn't understand what I was requesting I asked for a supervisor. After the supervisor XXXX came on the phone I explained that I am requesting a Method of Verification letter referencing the file number stated above to be sent to me as per my right under the FCRA. He stated that there was nothing they could send out. I continued to explain that I have a right to that information and he stood firm in there was nothing to send me. Their ignorance of the law or just outright unwillingness is unprofessional, unacceptable and a violation of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

Another account Ive had disputed and removed and they reassigned to a different collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Negative Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally request the removal of several negative accounts that have been incorrectly reported on my credit report. These accounts are the result of identity theft, during which my personal information, including my Social Security number, was stolen and misused to open fraudulent accounts without my knowledge or consent. 

The following accounts are erroneously reporting negative information on my credit report : XXXX XXXX XXXX Account Number : XXXX Charge : Unauthorized charges Date : XX/XX/year> XXXX, XXXX. 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX There are additional accounts that are attached documents. 

I have already reported the identity theft to the Federal Trade Commission and have attached a copy of my FTC Identity Theft Report, as well as proof of my identity, for your reference. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Given that these accounts are fraudulent, I am requesting their immediate removal from my credit report to prevent further damage to my credit score. I also request that the furnishers of these accounts be informed that these debts are the result of identity theft, and that they cease all reporting of this erroneous information to the credit reporting agencies. 

I have included the Notice to Furnishers of Information document, which outlines your responsibilities under the FCRA, including the obligation to investigate and correct inaccurate information. I trust that you will handle this matter with the urgency it requires and ensure that my credit report is updated accordingly. 

Please confirm receipt of this letter and notify me once the negative accounts have been removed. I look forward to your prompt attention and resolution of this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Proof of Identity Notice to Furnishers of Information
Product: Credit card

I have a delinquent account with capital one in my credit report. The account doesnt exist, I called them to verify I wasnt missing something. XXXXXXXX XXXX  and XXXX reported the problem.
Product: Debt collection

BYL collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( Paid in Full ) {$130.00} XXXX/XXXX  XXXX  ( Never Late ) {$4700.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is XXXX XXXX XXXX. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
Product: Mortgage

On XXXX at XXXX XXXX I spoke to XXXX to let him know my payment online had processed from wrong bank account. This was the second time and I changed account # s but it keeps defaulting to old account. My payment is always made before due date and I dont know to fix. He said it was my fault not theirs and hung up on me. He did not help me process a new payment or help resolve the two returned check fees I would be charged. Spoke to supervisor XXXX who told me the first {$25.00} return check fee had already been paid- possibly from the last principal payment I made. I asked him to reverse but said it was not possible to submit research request.
Product: Credit reporting or other personal consumer reports

I have reviewed my report recently, there were names and addresses on it that are incorrect - spelling errors or just plain wrong. Please Fix EVERYTHING in my personal information that is NOT the following : XXXX XXXX, This my legal name XXXX XXXX. Please delete any other references to names as they are not mine and I have never used them. My address : also please be sure that my address is listed correctly. my address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Please send me a new report when you are completed so I may continue to verify it's accuracy thank you for your time XXXX XXXX
Product: Mortgage

We attempted to achieve a lower interest rate through both XXXX and Select Portfolio Services. We submitted paperwork to XXXX for over 11 months they then transferred the loan to SPS and we started the process over and they continually asked for the same documentation over and over. We insited we did not want a loan modification we simply wanted a a lower interest rate. They said no probel. Finally after XXXX plus months they denied our request because we did not qualify for the loan mod because we made to much. This delay will now cause us to pay higher interest rates if we re-finance because rates are now rtisiong. They continually did not return phone calls when we complained they were rude to my wife and stalled. They are now harrasing us for a payment they say we owe, which we believe we do not, as you can see we pay between the XXXX and XXXX of the month on line. This is an issue left over from an XXXX mistake. 

We just want this issue resolved and SPS to reimburse us for our time and the lost funds a higher interest rate is going to cost us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time in less than a year that Equifax has allowed fraudulent, negative information to remain on my credit report despite providing documentation the information is incorrect : Equifax reference # XXXX XXXX XXXX amount {$74.00}. Both XXXX and XXXX expeditiously removed the false information. As I told Equifax, I regularly do business with the company XXXX XXXX and have canceled services with them at a few locations with no issue. However, the last time the company lost my payment record. I contacted XXXX with the evidence of payment and proof of disconnection with confirmation number, ultimately they sold my account to a collection agency. I attempted to contact the collection agency to no avail hence they attempted to place a negative mark on my credit. As stated, the only credit reporting agency that gives me issue is Equifax. This company should not be able to operate. How many times have they been cited for improper handling of credit information that, frankly, no creditor gave permission for them to have in the first place?? I want this removed from my credit as I have more than enough proof I paid this in full in the first place. Equifax is irresponsible with peoples personal data, their incompetence and laziness affects individuals livelihood, they should be investigated and shut down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX IN Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On the XXXX of XXXX, I request a transfer of funds to PayPal from one of my PayPal accounts to another one, submitting all the necessary documents required. These documents specifically were : A proof of my address in the form of a bank statement, my work permit as a way to confirm my identity and finally my passport. Per the information provided by the customer service, this process at most would take five days to be completed. 

On XX/XX/XXXX, I called to costumer service check up on the process of this transfer as a significant amount of time had already passed. After being told the documents provided were " not enough '', even though they were submitted and met all the requeriments given to me by the PayPal employee, I once again submitted the documents. I was told in the next couple of days I'd have an answer to this issue. 

On XX/XX/XXXX, I communicated once again with costumer service and once again I was told they rejected my documents, stating they were " not in the right format '' even though the format I sent them in was the one instructed by me the customer service representative ( PDF ). Once more I uploaded the documents per their instructions ( now as Pictures ). They were checked by the representative and assured the documents met the requirements and would just be a matter of a couple of days until the transfer was approved. 

On XX/XX/XXXX, I called customer service to know what was the status of the process. Important to note at no point did PayPal communicated with me they were having issues with my documents. Had I not constantly called, this piece of information would have never been shared with me. Speaking with several customer service representatives I was once again told my documents didn't meet their seemingly ever changing requirements and thus my request had been rejected. At this point I uploaded my documents for the 4th time, got assured by the customer representative my request was given an " urgent '' state and thus should progress swiftly and I should have an answer by the next 24 hours. 

On XX/XX/XXXX, I was told by the customer service representative that since I uploaded the documents once again I now had to wait the original five days for them to review my documentation, completely contradicting what I was told just the day before. 

I own both accounts and I need to do the transfer of funds, yet time and time again PayPal and its representatives have put obstacles after obstacles through this process, with no clear requirements for the documentation required, with no apparent guidelines for their representatives as to how this process work and no communication whatsoever on their end with me every time they have rejected and put a stop to my process.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I found several accounts that are not mine, I have limited time to check my credit report because I'm living most of the time in XXXX. Here I will include the accounts that are fraudulent and also an FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX