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

Every time mortgage lenders pull a credit report from the three main credit bureaus, our clients begin receiving hundreds of phone calls, text messages and emails!! Even if we use the opt out or do not call list, these other lenders are going around the protections by looking up the customers online. I believe this is a major violation of the right to financial privacy act as the clients sensitive data is being sold to other lenders by the credit bureaus!! I have contacted our congressman and senator and the attorney general. I have thousands of customers who have had their privacy violated including myself and members of my family!! 
This is a rampant problem in the mortgage world and it needs to stop now!! What is the next step in a solution for this huge problem? 

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

on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX  ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
Product: Credit card

I purchased a XXXX XXXX from the XXXX XXXX on XX/XX/year>. When I authorized the charge on the app, I applied a promo code that reduced the original amount from {$130.00} to XXXX for a {$13.00} discount. This item does not have a return option. When I received my email receipt, it was {$13.00} higher. I attempted to resolve the issue with the XXXX, and they offered me a {$13.00} discount on a future purchase. I rejected the offer. 

I filed a dispute with my credit card company on the website and in writing. I explained it was a fraudulent charge and provided emails between me and the vendor proving they knew of the problem with the promo code and only offered a discount and not return the money they stole from me. 

The credit card company denied my chargeback request because I had received the item. I again explained why that {$13.00} was a fraud, and they only said they could reopen the case. I'm hoping you can force them to review it again.
Product: Debt collection

The company is XXXX  XXXX, and my family has been receiving calls from XXXX XXXX at ( XXXX ) XXXX. They have been harrassing my parents consistently over the last few weeks. She states in her messages that she is from XXXX XXXX, in Texas. And that I will find my self in legal trouble if I do not call back. She has also stated that they will have me located and arrested, even in my place of employment. Not once have they called me personally. They are attempting to impersonate the law and it needs to stop, it is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX of last year I attempted to get my credit report through XXXX I had trouble getting my credit report from any credit reporting agency. 

This year, around XXXX, I tried again. I received my XXXX credit report and noticed that the social security number being reported was incorrect. I then called and told them the error and they were very helpful. They fixed it in a few days and sent me a new credit report with the fix. 

I then tried to fix it with XXXX and online but was told I needed to send in a copy of an ID and my SSN card for verification. I sent my letter and copies to them XX/XX/XXXX. I called them in a week or two and was transferred to a representative who was able to make the fix. I received a new credit report with the correct SSN. 

I also tried to fix it with Equifax. I was also told by them to send in a copy of an ID and a copy of my social security card. I called them in two weeks and they told me I could not see the progress of my investigation. They told me to wait for 30 days for a resolution. I waited and received a letter in the mail. The results of the investigation said " the worker ID number is issued by the social security administration for work purposes only. The number is not issued by the social security administration as a social security number ... contact the social security administration concerning changing/updating the social security number currently reporting on your Equifax file '' ( document attached ). 

On XX/XX/XXXX, I reached out to the social security administration and they confirmed that the social security number on my card ( although for work purposes only because I received it through XXXX ) is my social security number. I think the Equifax employee must have mistaken it for an XXXX, regardless, it is my valid social security number. 

I reached out to Equifax the same day and they said the dispute was complete and I would have to submit a new one. I tried logging in online to submit a new investigation but I was unable to, rather I would have to send it though mail again. 

I have already sent in the required information for them to be able to fix the incorrect social security number that they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX.
Product: Debt collection

collection company name is : collection bureau of america, XXXX XXXX   XXXX XXXX, XXXX. CA XXXX tel : XXXX My account with them was paid off and they sent me a letter said it's {$0.00} balance since XX/XX/2020. but it still showed on my credit report. it's over 30 days, but it still how son my credit report. they are not willing to report to XXXX and XXXX to remove this record from my credit report.
Product: Money transfers

I did money transfer to a bank account using Western Union on XXXX/XXXX/2016. The money was never received by the receiver. After that I called more then 15 times to Western Union to request the refund on this transaction. Every time I was assured that they have submitted a request for the refund and I should hear back in 24-48 hours. They never called me back and every time I call they keep telling me that someone will call me back within 24-48 hours and no one calls back. On XXXX/XXXX/2016 I spoke to a manager name XXXX ( operator id # XXXX ) and she assured me that she will call back in 24 hours which she never did. I would like to receive the fund back via check mailed back to my home address.
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. I told EXPERIAN to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I tried to use the card for a store purchase and it declined so I called support to find out why the card was not working. Support stated they had closed the account for being 90 days behind on payments and he said I had a credit for over payment. The XXXX payments were XXXX and the other payment of XXXX. He offered to send a check. I asked for documents showing how account became delinquent and he argued that it was my fault the account was closed and then hung up on me. They refused to provide documentation.
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX XXXX XXXX XX/XX/XXXX Serial No. XXXX Post Office XXXX Amount {$490.00} Date XX/XX/XXXX First Class Letter {$0.00} Certified Mail {$4.00} Tracking Number XXXX XXXX XXXX XXXX XXXX Return Receipt Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX The Mail Arrived XX/XX/XXXX at XXXX XXXX This instrument continues to be the possession with NO Action or update as of XX/XX/XXXX. 

The Return Receipt was Delivered to XXXX NJ XX/XX/XXXX confirming that this instrument is in the possession of XXXX. 

XXXX a phone call was placed to XXXX about negatively reporting a 30 day late payment when in fact they were and still are in possession of this instrument. The Representative said they would investigate and get back to me they have not as of this date. 

I was again caused harm by another report of a 30 day late payment in XXXX with an error on XXXX processing and retracting payment and given a negative mark of credit reporting... 

I have since paid this Loan off no withstanding of not trusting XXXX to do the right thing by correcting this malicious fraudulent transactions
Product: Debt collection

Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and XXXX  XXXX XXXX still has the account frozen. XXXX XXXX XXXX says it is XXXX XXXX and XXXX XXXX  says it is midland. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.
Product: Debt collection

For the past year and a half, XXXXXXXX XXXX XXXX XXXX has been attempting to collect a fraudulent debt, I was forced to include this in a XXXX XXXX bankruptcy due to the incessant nature of collection, I have received XXXX to XXXX emails a day for the past year, demanding payment on this account From LVNV funding, resurgent, and other names for the same collection company who is reporting the debt twice on my credit report and is violating the FDCPA
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX with an alleged Balance of {$760.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a medical bill on my report I dont seem to recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.
Product: Money transfer, virtual currency, or money service

I made a chase quickpay payment through XXXX on XX/XX/2019 for the amount of {$2000.00} to my non-chase account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my chase account, but never reached my XXXX account. I called XXXX and they said that the transaction failed and the bank should return the money to my chase account. I called chase and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my XXXX accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This new complaint is related to CFPB complaint # XXXX that I placed recently on XX/XX/XXXX because on late XX/XX/XXXX I summit a complain through Experian Web Site against XXXX XXXX  XXXX XXXX XXXX because they fixed an error on my credit report with XXXX and XXXX on XX/XX/XXXX but never fixed with Experian. 
This irresponsible bank has the opportunity to fix an old error but decided to see this as a frivolous complain and never pay attention also Experian just resolved something that it was wrong. 
It is hard to believe that XXXX XXXX  XXXX XXXX XXXX fixed an error on my XXXX and XXXX credit report but not with Experian! 
Please CFPB help Experian to investigate a little more about the complaint that they receive everyday, because they have a big responsibility on create or not problems to the consumers. 
Thank you very much!
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I received a letter from PayPal Credit dated XX/XX/2019 thanking me for opening a PayPal Credit account. I have never opened a PayPal account or applied for a PayPal account. On XX/XX/2019, I called PayPal to tell them about this. I spoke to two people, neither of which could help me, but referred me to Synchrony Bank, stating that it was handling all new accounts for PayPal. I spoke to a person as Synchrony who could not help me but referred me back to PayPal. I then spoke with the third person at PayPal who said it was a Synchrony issue and should would get them on the line and stay on with me. She then disconnected my call. I called back to PayPal and left a message to call me and they never did. I then called Synchrony, talked to another person who could not assist me and then asked to speak to the supervisor. The supervisor said she would not help me unless I gave her all of my personal information and my only resort if I didn't was to contact the credit bureaus. I have spent approximately 3 hours talking to six individuals with PayPal and Synchrony who have set up a PayPal account in my name, but no one can help me close it as I do not want it. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dispute letters have been sent to all three Credit Bureaus relaying that Company is no longer is business. Company is no longer in business. A letter was sent on XX/XX/2021 and was sent back to Consumer. 
[ Exhibit 1 ] with a RETURN TO SENDER-NOT DELIVERABLE AS ADDRESSED-UNABLE TO FORWARD. Creditor is not apart of the XXXX.
Product: Credit card

On XXXX XX/XX/XXXX- I applied for an American Express XXXX Credit Card which had a Promotional Offer of 0 % APR interest for 15 months for a balance transfers and XXXX  % APR interest for new purchases for the first 15 months of opening the account. The Balance Transfer fee was XXXX  %. 

American Express made me read the Terms and Conditions of the card and I printed them out at XXXX PM ( See Attachment XXXX ). At XXXX PM, I received an email that I was approved for the card ( See Attachment 2 ). 

I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged were {$120.00} and {$30.00} dollars, respectively. ( See Attachment 3 ). 

When I received my statement today XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$64.00} Interest and and additional {$1.00} Interest Charge on Promotional Balances, which is an additional interest charge on the Balance Transfer. ( See Attachment 4 ) I was supposed to get XXXX months, XXXX  % Interest on this card for my Balance Transfer. I called American Express and told them I printed the Terms and Conditions at the time of application. The representatives bounced me around to different representatives and would not help me. I told them I was filing a CFPB complaint for not complying with the conditions they promised me.
Product: Credit reporting or other personal consumer reports

In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. Chase card and XXXX XXXX XXXX are not my doings. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One allowed someone to open a account in my name using XXXX. I dont use XXXX I use my married name XXXX. This person is hacking into my emails and getting my information and ordering things. My credit cant approve because of this person applying for everything. XXXX   got 17 off my record and my credit is still poor. I made police report and FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/ I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX****. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/ ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX**** which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/ according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX****. 

- ______________ Conclusion : Account # XXXX**** is missing from my credit report. 
Unauthorized account # XXXX**** is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX**** and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX**** - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

XXXX All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts from my credit report under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as a result, the account ( s ) listed below were fraudulently opened or reported : Creditor/Company : XXXX Account Number/Reference : XXXX Date Opened/Reported : XX/XX/2023 Amount : {$9500.00}
Product: Payday loan, title loan, personal loan, or advance loan

OneMain told me if I make pmts every two weeks then it will help interest accrued and the payments have not done anything. Im making payments every two weeks and the balance is increasing