23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

After four years of investigative research, and denial of disputes by Experian, I contacted each and every creditor, and inquiry on my credit report. In such on XX/XX/2017, in violation of the statue, and part of the selective and inaccurate verification practice of credit reporting agencies, by selectively abiding by the lawful requirement, but should illustrate that the process needs more oversight, because its materially flawed, and allows credit entries, and inquiries upon consumers report without justification. 
On XX/XX/2017, and inquiry appeared upon my credit report from a company identified as appfolio, upon contact to that company, it was found that the information used to gain such access was not the accurate information of my identification. Experian techniques for verification subsequently has been revealed, and is verified by this creditor. The social security number that applies to this inquiry is XXXX, and my actual social security number is XXXX. Additionally in disputing the public records it was found thru inquiry that Experian is n't verifying the information as purported but only verifying the last XXXX dights and name likeness, which is insignificant and not proper. In such since they ca n't verify my the accuracy of entirety of social security number, or name, but only a portion, and that portion having been stated in that inquiry to be others performing the same, it is not likely that Experian has accurately disputed any information from disputes of the prior four years, and in such is guilty of creating financial hardship upon this consumer based upon a flawed system of verification, that is n't total and complete.
Product: Money transfer, virtual currency, or money service

Hello, PayPal team, I am the account holder of " XXXX '', because my email was used by hackers and permanently disabled, and my mobile phone number bound to PayPal has also expired, so I can not use PayPal services, I have contacted PayPal experts many times and the problem has not been solved, which has caused great trouble to my life, please help me
Product: Credit card or prepaid card

I paid my Capital One credit card in full on XX/XX/2020 of {$6000.00}. On XXXX XXXX they charged me interest of {$69.00} on a {$0.00} balance. I tried several time to call and they stated that they can charge interest on the balance from a previous billing period. I was charged over {$130.00} each month in interest so I paid it in full. The next to last call the woman stated they could waive the charge due to Covid. The last time I call the person barely spoke English and hung up on me. I tried to call back but no one would answer the phone. Today, I looked to see if they responded to my letter and found they charged interest on the interest. I am frustrated as this is a huge company and the idea that they can charge interest on a {$0.00} balance ( bill was due XX/XX/XXXX ) is outrageous.I have XXXX  small children and used my income tax to pay off this debt. I no longer have the Walmart Capital One card as I misplaced it. Is this common practice to charge interest after the account is paid in full? I am closing this account but I do not want this balance reported to the credit bureau as default. I am struggling to keep my home and pay monthly bills hoping this situation can be resolved. I paid off other credit cards and not one charged me additional interest after paying in full. Can you please help me?
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting

My credit was repaired, I have a fraud alert and now my score will not appear. It states I have no credit when in 2013 reported a XXXX credit score. unable to get a clear answer from the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
Product: Credit reporting or other personal consumer reports

**Subject : Demand for Removal of Incorrect Bankruptcy Public Record from XXXX and XXXX** Dear CFPB Complaint Department, I am writing to demand the **immediate removal** of a bankruptcy public record that has been **incorrectly reported** by XXXX and XXXX. XXXXXXXX and XXXX have already complied with my previous requests to remove this erroneous record, but XXXX and XXXX have not, resulting in discrepancies across credit scores. As a consumer, I expect all credit bureaus ' scores and data to match, which they currently do not. 

In addition to the inaccurate bankruptcy record, I have noticed numerous **non-mailable addresses** and **outdated companies** still reporting negatively on my credit file, which should not be the case. Credit reports are intended to assess **creditworthiness**, and I have explicitly opted out of all transaction data usage with all companies. Furthermore, I have **revoked permission** for any third-party companies to report on my credit profile. 

I am asking the CFPB to contact **all companies involved** in these inaccuracies and to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **. Specifically, under **15 U.S.C. 1681c ( a ) **, any negative information that is either **inaccurate or outdated** can not be used against the consumer in determining or denying credit. 

It is also important to note that both the **Bankruptcy Court of XXXX and the **Bankruptcy Court of XXXX have confirmed that they do not report to any credit bureaus. Any third party reporting this information without my written consent is committing fraud. As such, all reporting agencies, including **LexisNexis** , must remove any public record information, including **court records, property records, registrations** , and **credit usage transactions**, unless explicitly authorized by me in writing. 

As a consumer, I am entitled to **accurate credit reporting** and demand a score of XXXX across all bureaus**. Given that this bankruptcy record was incorrectly reportedand potentially fraudulentlyI am requesting its immediate removal by **all bureaus** that have ever reported it. This incorrect record has caused significant harm to my creditworthiness, specifically resulting in my recent **denial of credit** from XXXX XXXX XXXX XXXX XXXX, XXXX. 

In addition, I seek **compensation** for the negative impact this has had on my ability to obtain credit from XXXX to the present**. 

Thank you for your prompt attention to this serious matter. 

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

On XXXX XXXX, XXXX, I submitted an written letter ( sent certified ) dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ), instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). There is a major problem with this method they have chosen, because I am have placed a security freeze on every data mining company available, including systems XXXX. ( See attached docs with written verification from each company ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. 
My county courthouse does not provide this information and neither does the CA Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to  provide a written statement to the contrary. I have spoken to both XXXX XXXX XXXX and XXXX County 's Recorder Office and they have stated that they do not report directly to the credit bureaus, nor do they know how the information is obtained and placed in the credit reports. ( please refer to my documents from both county recorder 's offices stating as such in writing ). The credit bureaus do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Product: Debt collection

My social security number was stolen to open fraudulent accounts in my name with a company called Rent Recovery Solutions. I never lived at the apartment that was fraudulently gotten in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX Accont # : XXXX XXXXXXXX XXXX XXXX Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

XXXX ) Complaint filed with CFPB XX/XX/22 ( # XXXX ) AND COMPANY FAILED TO COMPLY AND DO WHAT WAS REQUIRED OF THEM WITHIN 20 DAYS AS REQUIRED BY FEDERAL LAW.

2 ) VIOLATED 15 USC 1635 ( a ) - Never disclosed to me CLEARLY and CONSPICUOUSLY and PROVIDE APPROPRIATE FORMS of my RIGHT to Rescind.

3 ) VIOLATED 15 USC 1635 ( b ) - SEE ATTACHMENTS 4 ) VIOLATED 15 USC 1605 ( a ) - SEE ATTACHMENTS 5 ) VIOLATED 15 USC 1692 ( j ) - FALSE AND DECEPTIVE FORMS -SEE ATTACHMENTS
Product: Debt collection

Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX  ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Product: Debt collection

On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from PayPal Inc. however the company billing this was XXXX XXXX XXXX XXXX. The company XXXX sent me a letter in the mail for this amount, and I am unaware of this bill. PayPal has not made any communication with me, and my credit card report looks okay. However when I called XXXX I did give them my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX  This is not mine.

3. Identity Theft SYNCB/CAR CARE SYN CAR Account Number : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 usc 1681 : I have rights to privacy and i did not give XXXX written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called transunion, XXXX and XXXX to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Product: Checking or savings account

Years Ive been getting charge overdraft fees. It seemed like extra fees. When i had no money the transactions would still go through. I would not know this until I get my paycheck and see its not the correct balance. I would also notice that I would sometimes exceed my overdraft and get charged more.
Product: Checking or savings account

I am in receipt of a letter from Barclays Online Banking that I opened an account. I have called every phone number I could find to discover how they opened this account. They refuse to give me any information at every number I have called. I finally wrote a letter to an address I got Barclays XXXX XXXX XXXX XXXX DE XXXX. Still no answer. Of course I have serious concerns on how this account got opened and what information was submitted for them to open this account. I also want to confirm the account is closed. I can not understand why this bank after many calls and a letter they refuse to reply.
Product: Credit reporting or other personal consumer reports

Today, I got an alert " new potentially negative information '' in my credit report. I found that American Profit Recovery claims I owe them {$100.00}. This may relate to an account with Unlimited Lawncare, which was opened in XXXX, XXXX. I've had no communication with American Profit Recovery. XXXX XXXX of XXXX XXXX XXXX XXXX retired and sold our account to Unlimited Lawncare. He serviced us honorably for over 25 years. I prepaid XXXX XXXX for a year, but had trouble with the service from the beginning. I made several phone calls and appointments ( all, but one, unkept by the company ). I never caught them servicing in the neighborhood, as I often did with XXXX. Moreover, they stated that they would spray ivy, which was in the rear of the property, and was the reason for the missed appointments. They apologized each time an appointment was missed and assured me that the ivy would be sprayed. They finally kept an appointment & sprayed on XX/XX/XXXX. That was the only visit that I was able to personally verify for the year of prepaid service. I've told XXXX XXXX that if any monies are owed, they're owed to me. I neither renewed nor intended to renew. If XXXX XXXX is the basis of this negative entry in my credit file, then I'd like American Profit XXXX to remove the negative entry or prove the debt. If not, I ask XXXX XXXX to both identify and prove any other debt. I pay all my just debts, many before they're due. I've earned an exceptional credit score over many years and take this matter very seriously.
Product: Credit reporting or other personal consumer reports

I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter.

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX. 
In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, PR XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why there is a {$10.00} fee on my Compass credit card. It is incorrect. I have called and emailed the company many times to fix it and change my credit report to never late. I take pride in my great credit and BBVA is messing it up. I have tried many time to call and speak to a person at the company and have been left on hold for hours. I can not believe it is one of the biggest banks in the world and is unable to be reached. I am very upset and plan to take this to the highest levels.
Product: Credit card

My complaint is about what happens when a credit card cash advance is made. I do not take cash advances on my credit card, so I was not aware of how the credit card companies handle repayment of cash advances and corresponding interest charged until a few weeks ago. ( Overdraft protection for My USAA checking account is my USAA credit card. USAA. By mistake, USAA invoked my overdraft protection for a charge to a checking account that was supposed to be closed. It is what happened when the cash advance was made that triggered my frustrating experience. My frustration is due to how the cash advance affected interest charges to my credit card account -- and that is probably not USAA 's process but either XXXX 's or XXXX 's. Since USAA also switched from XXXX to XXXX during this time -- I can not determine which company is at fault -- but they probably handle cash advances the same way. 
What I want to happen is for the Consumer Financial Protection Agency to make industry-wide changes for all credit card issuers. 

Usually, I pay off my credit card balance in full, and no interest is charged. 

But when a cash advance is made, if I pay the statement balance in full, I will also incur an interest charge on my next statement for that cash advance, if I charged purchases after the first CC statement date. [ YES, this is confusing ] So, the only way to stop interest from continually accruing each month after a cash advance has been made, is to CALL my bank, find out the total account balance on the day I call, and pay it all off immediately, so the account balance is XXXX. If I do not do this and pay the statement balance in full each month - I will get an interest charge on every future statement for the cash advance I took months before. 

I am sure most people are not aware of this. It is unethical. If the credit card company is going to treat regular purchases differently from cash advances, the customer should be able to pay them separately. AND YOUR DEPARTMENT SHOULD SEE THAT THEY CAN. 
I can think of several ways to address this interest scam - but I 'm sure you can think of better solutions. The point is there are solutions that are fair to the customer and the company making cash advances ; solutions that are not ripping off customers. For example : 1. When cash advances are made, the credit card statement should separately list regular charges and interest accrued, and cash advance totals and interest accrued for that month. 

2. Customers should be able to pay off regular charges & their interest, and cash advances and their interest SEPARATELY. 

3. Customers should be notified IN LARGE PRINT, on any statement with cash advance charges/interest, that the only way to pay off cash advances and corresponding interest charges completely is to call the company, get the current cash advance balance ( including interest ), and pay while on the phone. 

4. Customers should be able to indicate with their statement payments that all interest and cash advances should be paid off first, and the remainder of their payment should go to regular charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE XXXX INCORRECT THING ON MY CREDIT REPORT... 
I NOTICED THAT I HAVE A XXXX STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM PROGRESSIVE, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....