23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I got an email today ( XX/XX/2021 ) from PayPal saying that they decided to permanently limit my account as they found potential risks associated with my PayPal account. I called customer service immediately and tried to understand why and how this happened. The representative said that based on the note in their system, it was because of a transaction, but the representative could not provide more details and said he could not help me. I asked him for other ways to get the issue resolved and also tried to understand what exactly happened to my account. The representative transferred my call to his supervisor and the supervisor told me this was due to my recent transaction with XXXX XXXX XXXX. The supervisor helped me to write a letter to the department responsible for getting this issue resolved. However, I got an email saying the same thing that my account was limited permanently after their review. I don't understand what happened and why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on all three reporting agencies. XXXX and XXXX asked me questions to verify identity then freeze was lifted. Transunion REFUSES to lift freeze. They said they are unable to kid the freeze because they can not generate questions from report. I just need Transunion to lift freeze
Product: Credit reporting or other personal consumer reports

The inclusion of this account on my credit report, as I perceive it, constitutes a blatant violation of 15 USC 1681a, the Fair Credit Reporting Act, specifically as stipulated in [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Allow me to elucidate my stance. In accordance with the Truth in Lending Act, 15 USC 1602 ( l ), a " credit card '' is precisely defined as follows : " The term 'credit card ' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
By this unequivocal definition, it becomes patently evident that both my social security card and drivers license, which have been or are utilized for the extension of credit, categorically fall under the purview of " credit cards. '' Given these legal considerations, I emphatically demand the immediate expungement of this account from my consumer report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for years someone used my information and received credit cards, cars, apartments, and loans in my name
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 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. 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 or other personal consumer reports

I recently reviewed my credit report and noticed it was spme fraudulent activity on my account
Product: Debt collection

Multiple calls from a company that wouldn't share their name, then eventually said they are Diversified Adjustment Service and say I owe approx {$130.00} to XXXX XXXX XXXX. They were ready to take a credit card immediately to process the payment. I said I wasn't comfortable doing this and asked if they had a website. She said they did, but as I walked from the car to the office, the call was dropped. I immediately called XXXX XXXX  XXXX, they said they never turned in unpaid debt to collections and in fact my accounts are in great standing, many of them with credits on them. 

The most recent number I received from these " phishers '' as XXXX XXXX  XXXX called them was XXXX.
Product: Debt collection

On XXXX XXXX, 2013 I filed a police report ( # XXXX ) regarding identity theft when I learned someone opened a XXXX acct under my maiden name because of a bill I received and confirmed with XXXX. XXXX sent me paperwork to fill out which I sent back to clear me of the debt. ( XXXX fraud case XXXX. I just received a bill recently for the same debt from collection agency, Convergent XXXX, same acct #
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed letters to XXXX, XXXX, and Equifax via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX American woman with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by XXXX, XXXX and TransUnion Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for TransUnion, XXXX or XXXX to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The XXXXXXXX and time consumed trying to rectify these issues are burdensome and exhausting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX
Product: Credit card

I filed a Chapter XXXX Bankruptcy and it was discharged in 2010. Wells Fargo was included and they continue to report currently, damaging my credit every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am items connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022, I went to the dealer XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. To get information about a car lease. Before providing my ID or agreeing to moving forward with any type of deal to lease the car, the representative said they had to do a SOFT INQUIRY to first see if I was eligible for an offer and if it was good for me then we would proceed with the credit application process. They capture my information on their system and before providing it I asked again what type of inquiry was this and I was assured it was only a SOFT INQUIRY. After this I was taken to the finance department and at this point I hadnt signed any consent to submit a credit application or was I asked for authorization to do a HARD INQUIRY on my credit, the finance person proceeded to read an apparent credit report under my name and even gave me my credit score. I immediately asked him again if they had done a SOFT INQUIRY and he confirmed this to me for 3rd time. After he read the report from his system I asked him for a copy of it and he only gave me a paper that showed my credit score, I received this paper after he had the report on his system and even before asking me for my ID or agreeing to submit a credit application since we had not even seen the numbers nor had I agreed to lease the car. After the finance person presented a different offer from what we had been told by the sales representative I declined to move forward and left the dealer. 30 minutes later I found out they had actually run a HARD INQUIRY in my credit report which I never agreed to. I immediately called the sales representative and he was as surprised as I was, he questioned the finance person about the inquiry and I could hear the finance person over the phone yelling at the sales representative and then he picked up the phone yelled at me denying ever saying it was a soft inquiry and hung up. 

Under the Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices an act or practice is unfair when it ( 1 ) causes or is likely to cause substantial injury ( usually monetary ) to consumers, ( 2 ) can not be reasonably avoided by consumers, and ( 3 ) is not outweighed by countervailing benefits to consumers. Since Hyundai finance is supervised by the CFPB and it cooperates with the FTC, Hyundai is supposed to be in compliance with its regulations. 

FCRA 819 specifies that a party who knowingly and willfully obtains information from a consumer reporting agency under false pretenses shall be fined under Title 18, United States Code, imprisoned for not more than 2 years, or both. '' I was very clear about not doing a hard inquiry if I the deal was not honor because Im under contract a few months out from closing in my house. Now I was left with no car and a hard inquiry preventing me from getting one at another dealership because another inquiry will continue to hit my credit report and potentially getting me denied for my mortgage which Im supposed to close soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX XXXXXXXX {$2600.00} XXXX {$2600.00} XXXX XXXX {$860.00} Date opened : XX/XX/XXXX XXXX  XXXX {$460.00} Date opened : XX/XX/XXXX XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information XXXX  XXXX XXXX was deemed accurate. This is on my credit report as well as Early warnings   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
Product: Debt collection

I took out a loan with Navy Federal Credit Union when I was in the XXXX XXXX and lived in XXXX XXXX XXXX. I was medically XXXX and on medical leave and moved to XXXX. I never received any notice about this debt or an attempt to collect. As you can see on the XXXX  court system they have the wrong address and an employer that I only worked for very shortly ; my father just went to sell a pIece of property and they had attached a judgement that I had no idea about to my fathers property. That isnt even in my name. For the wrong person and social. This loan is from XX/XX/XXXX. I have never received notice or communitcation in regards to this debt and was only just made aware when my father called and told me NFCU attached a lien on his personal property.
Product: Credit reporting

An employee named XXXX XXXX, who is an employee of US Bank, ran my credit report and issued threats to members of my family using a proprietary bank phone and proprietary account information. My credit report is correct and that is not the problem. US Bank has been notified of this and knows of the issue. ( I have an email in my possession )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called Equifax and they want me to pay {$15.00} to receive a detailed review. I am not paying Equifax anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although Equifax has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.
Product: Money transfer, virtual currency, or money service

I was calling XXXX because a company that I work for needed a letter from my bank indicating that I hadn't received a paycheck from their accounting services, XXXX, in the amount of {$220.00}. I XXXX  the Customer Service number for Chime. Called the number that came up several times attached to their website. The person on the phone answered as they always do. Asked me the same identifying questions. They told me that my ID number had expired and that I would need to update my account to get a new ID number. They told me to hold. I could see my screen moving around next thing I saw was {$540.00} gone from my account. Then, they hung up on me. I tried calling them back, no answer. I XXXX  Chime again, called another number for them, told them what had just happened. They never asked me what number I called, said they would put the dispute in. They denied the dispute right away. They said it was because I was a part if the transaction. I told them I did nothig wrong. Told them I thought I was talking to them XXXX XXXX I did it authorize this. I have called them several times each day since this has happened explaining everything over and over to whoever answers the phone and they keep denying me. This is horrible. Now, they just closed my debit card without telling me. They won't expedite my card to me. They are being terrible to me.
Product: Debt collection

OnXX/XX/XXXX I, ( the " Consumer '' ), started to receive phone calls from an unknown number at inconvenient and unusual times for me. On XX/XX/2022 at XXXX EST I decided to call the number back after having received another phone call from the aforesaid unknown number without having my permission to contact me. On the aforementioned date and time, I spoke with a person unknown to me by the name of, XXXX XXXX, who claimed to represent L.J. Ross and Associates. I asked XXXX XXXX why L.J. Ross and Associates had been causing my phone to ring without my permission and XXXX XXXX responded by saying, that it was an attempt to collect a debt for XXXX XXXX in the upwards of XXXX XXXX ( XXXX ) dollars which was a false and misleading representation of the character, amount and legal status of the debt XXXX XXXX claimed was owed. I informed XXXX XXXX that XXXX XXXX had not reached out to me regarding a debt owed and that I had not directly given L.J. Ross and Associates prior consent to communicate with me. XXXX XXXX transferred the call to XXXX XXXX, alleged supervisor for L.J. Ross and Associates. While speaking to XXXX XXXX, he engaged in unfair practices by attempting to continue to collect an amount that was not expressly authorized by any agreement creating the alleged debt or permitted by law. I kindly asked XXXX XXXX to send me a copy of the agreement between L.J. Ross and Associates that would permit the collection of the alleged debt as well as the license from the STATE OF MICHIGAN permitting L.J. Ross and Associates to collect debts for a third and XXXX XXXX refused. L.J. Ross and Associates have committed identity theft by using my personal or financial information without your permission. L.J. Ross and Associates have invaded the privacy of my family and I as Consumers, and violated the rights of the Consumer. L.J. Ross and Associates, are in violation of the following ; 15 U.S. Code 1692c, 1692d, 1692e and1692f.
Product: Consumer Loan

I sent a payment  to Wells Fargo ( Home Projects loan ) electronically from m y  XXXX    XXXX   Checking Account for several months now. I got enough money recently to pay off the loan amount and sent in the enough money to payoff the loan of {$1600.00} electronically from my  XXXX   XXXX   Checking Account to Wells Fargo Bank on   XXXX   XXXX . I checked my account on Friday  XXXX   XXXX  and noted it had not applied to the balance. I contacted them on Friday  XXXX   XXXX  using the websites message center and got a reply today that they never received my payment. I contacted  XXXX   XXXX  just to be told tha t Wells Fargo refu sed my electronic payment and so they sent a check to the  XXXX  address that I had for  Wells Fargo Financial National Ban k to pay on that loan. According to the  XXXX     XXXX   representative,  Wells Fargo ac cepted receipt of the check last week at the  XXXX  address. However, as of today it still has not be applied to my account and the payment is due today,  XXXX   XXXX ,    2017.      I sent a message  to Wells Fargo asking  that they review their records and verify they received the check ASAP. I have made copies of the communications that I have received and sent in their message center. They still do n't show the message I sent out today but I have the others.  XXXX  agreed to send me a copy of the information regards to the check and I 'll receive it within 7 days. They will put a stop payment on the check if I ask them but I do n't want to that because it is proof I sent the payment and it was received   by Wells Fargo.
Could you please help me ensure that Wells Fargo does n't   mess up my credit?     thank you