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 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX 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

My credit score on Equifax is showing incorrect information about my on time payment history. Equifax is including previous accounts that were charged of in my 2021 Bankruptcy. This incorrect information of my payment history is directly affecting my credit score by XXXX points compared to XXXX XXXX XXXX XXXX Equifax is not correctly reporting my on time payment history on all of my current accounts which has been 100 % on time for at least 2 years now.
Product: Credit card

My ex girlfriend, who was once an authorized user for my credit card, has been removed from access and use of my chase sapphire preferred credit card since the end of 2024. Even though she has been removed and denied access, the chase app ( which did not give her access to my account ) sent her a notification of my current balance was low, and stated the exact dollar amount of credit available as well as asking to submit payment to the account. Needless to say, but I do not want my ex girlfriend to have any knowledge of my current financial standing without my consent. I contacted the bank, which only viewed this as a minor technical problem and not a severe violation of privacy law. They proceeded to send me to their technical support which was to have me on hold for over an hour, which is far from fair considering the breach of privacy I suffered.
Product: Mortgage

Trying to build a home with KHovanian. They offer incentives for their mortgage however their incentives all taken with excess fees and points I am in the XXXX, and my closing costs in fees was over {$22000.00} for a standard transaction. When I saved XXXX points and XXXX % with another lender, they then increased the price of my home by {$4500.00}. This is not only Deceitful, but in violation of equal credit opportunity act. 
This has been a terrible experience and khov home mortgage are a bunch of thieves.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX manager called Friday XX/XX/09 stated that I signed a contract with them stating that they could report late transactions on my consumer report. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX ( on an unknown date because my consumer report is showing two different dates ) this was all done online. I had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision when there was no evidence of indebtedness, the only evidence of the debt was the agreement but because of the uniformed decision that agreement is null and void. 

1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXXXXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation.
Product: Checking or savings account

I purchased a product on line through another scandalous company unbeknown at the time to promot there product well i figured can't promoter it unless it works so i put hade it it once but twice by accident the keep itstruction unclear so this happens quite offten.i industry reach out for a refund Wich all day they gauranttee only to be XXXX.so i do the next thing on list report it to bank file dispute to find out these people have been ripping me off for months some how got into my PayPal account and set them selves up on auto pay and have been siphoning money for months now because if that pay pal has sided with them other wise they have to admit some one got in there security.and are refusing my claim and mean time these people have gone back into pay pal and set them selves up on auto pay and hitting my account again after i filed complaint and turned auto pay off again myself.thid is on pay pal and i think they should be held responsible for it.i live on a fixed income so yes XXXX is alot to loose all at once.
Product: Mortgage

We closed on the refinance of our mortgage on XXXX XXXX and we set to have our first payment due in XXXX. 
The closing documents we signed had the monthly payment as {$1200.00}. When I received my first statement from the servicing mortgage company, Mr. Cooper, the monthly payment said {$1100.00}. This was a pleasant surprise to see my payment lower than we expected. I thought there may be an issue so I contacted the refinance company, XXXX, and asked why this would be different. They told me to contact the mortgage company and find out. I called Mr. Cooper  on XXXX XXXX to check the accuracy or my statement and verify that my monthly payment was correct. The person on the phone confirmed the payment amount was accurate and I was all set. I again questioned that I expected my payment to be well over {$1200.00} and they once again assured me the amount was correct. 
Now, in XXXX I was on the app for Mr. Cooper and I see a statement saying my monthly payment is now much higher at {$1400.00}. I contacted them to find out why and was told that my taxes and insurance must have gone up and also that there was an escrow shortage that needed to be made up. 
Upon further research, it's become apparent that when Mr. Cooper began servicing my loan they did not collect the Primary Mortgage Insurance for my loan while they were paying out for it from my escrow. After 8 months of paying for the PMI, it created an escrow shortage that should not have happened, especially since I had spoken to customer service to discuss the monthly payment discrepancy. I would have been paying the correct amount for the 2021 year if they had accurate numbers and competence when I had called before making my first payment. This is a mistake on their part and they should make up the difference.
Product: Credit card or prepaid card

I have submitted the remit/coupon ( {$1100.00} ) provided by the company for payment. They have not credited the account as of today. This has affected my credit score.My instrument was not returned as stated " to dishonor return within 3 business days. '' view BankAmericard XXXX XXXX XXXX - XXXX Account Summary Current balance : {$1100.00} Total credit available : {$140.00} Cash credit line available : {$140.00} Card Details Total credit line : {$1300.00} Cash credit line : {$200.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX Last payment date:XXXX Last payment : {$100.00}
Product: Money transfer, virtual currency, or money service

I contacted PayPal on XX/XX/2019 via secure message on their website and reported a fraudulent attempt by someone who was trying to link their PayPal account to my bank checking account, which is linked to my own PayPal account. The PayPal verification system uses a deposit and then withdrawal of two small amounts into and from the account, when I noticed this activity on my checking account from an unknown PayPal user, I alerted PayPal immediately. The verification transactions were initiated on the same day. 

PayPal did not take this fraud alert seriously. They responded with an automated message containing general information about bank account verification. I responded by telling them to stop with the automatic replies and answer my query. 

On XX/XX/2019, I received a secure message from PayPal associate " XXXX '' in which they stated that the deposits were " most likely just to validate if the bank account is still active ''. This clearly shows that they did not even read my message carefully, because if this was to validate my account, it would have been initiated from my PayPal account, not someone else 's! 

I responded by stating clearly that this was almost certain fraud, I attempted to upload the transaction information to PayPal, however their file upload system was not working. I asked for a fax number to send the time sensitive fraud information. 

TWO DAYS later, on XX/XX/2019, PayPal responded by stating that " a transaction or activity I don't recognize may have been initiated by a family member or part of a pre-approved payment ''. Once again, they did not take it seriously. 

On XX/XX/2019 I received a message from PayPal associate " XXXX '' in broken XXXX stating " Request you to please explain the situation so that we can assist you ''. 

Then I received another message by PayPal associate XXXX asking me to call them via telephone. I do not conduct business via telephone, I have told PayPal this dozens of times, I replied to this effect and then I received another message from " PayPal Customer Support ( no name ) stating " we're required to speak with you by phone to complete this specific request ''. Once again, nothing taken seriously. At this point, I lost my temper and told them to go XXXX themselves. 

They have still not responded to, or addressed what is an unquestionable fraud attempt. I had to have my bank account frozen to prevent unauthorized transactions.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

To whom this may concern, I am highly upset with Chime online banking services for failing to verify my identity and failing to protect my account. On XX/XX/XXXX I got XXXX for an old warrant, while XXXX my baby was with a so called friend of mine inside my apartment. I did not feel like she was fully capable of taking care of my child for that long so I asked my cousin to go pick him up. Still XXXX Saturday XX/XX/XXXX there was an unauthorized sending of XXXX  dollars from my old device to XXXX XXXX early that morning before my cousin picked up my child. Police were called and the girl was ask to leave the premises being it was my apartment and she had no reason there anymore. My cousin recalls the girl having bottles of XXXX  and XXXX in her possession. On the XXXX another XXXX dollars was Transferred out of my savings to my checking and fraudulently sent to XXXX XXXX. First of all she stole my phone and XXXX dollars which unfortunately was my tax refund. I did not get out of XXXX until XX/XX/XXXX and I was highly upset my money was gone. Money I worked so hard for. Oh and also I want someone to explain how can a hold be placed upon your account and then removed without any verification. Oh and how can you send a message to my phone ( which was in my property in XXXX XXXX asking for me to confirm a transfer when I was XXXX and could not ( did not! ) confirm. Like I said I'm highly upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.
Product: Debt collection

I, XXXX XXXX, am writing regarding the charge off in the amount of {$380.00} of Synchrony bank account # XXXX, XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$30.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus shows reported payments received from XX/XX/XXXX up until XX/XX/XXXX. 

I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$120.00} ; however, my XXXX report shows an original charge off in the amount of {$380.00}.
Product: Debt collection

TRANSWORLD SYSTEMS COLLECTION I do not have an account with them. 
This was paid to the original creditor XXXX for the amount listed. The XXXX payment confirmation # XXXX
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. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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 an account without my written instructions 15 U.S.C 1681 c. ( 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 reports by more than seven years.15 U.S.c 1681 s-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: Debt collection

I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed Equifax certified mail an idenity theft dispute listing fraudulent accounts, a copy of my social security number a police report and a FTC idenity theft report. I recieved a signature receipt as proof Equifax recieved my request dated XX/XX/2019. I spoke with supervisor XXXX employee number XXXX, today XX/XX/2019. XXXX informed me that Equifax had no records of my dispute or police and idenity theft report. He went on to explain that my dispute may have even been discarded without consideration. The inaccurate information Equifax continues to list on my credit profile is severely damaging my personal life. Equifax is in clear violation of the Fair Credit Reporting Act as it relates to this manner and I demand this company abide within the guidelines of the law and block these inaccurate and fraudulent accounts from my credit report immediately.
Product: Mortgage

We previously had XXXX XXXX & we were transferred to NewRez/Shellpoint Mortgage Company. They provided free telephone payments and issued a charge if you made online payments. I just received an email that they are now charging for the phone payments and charging {$1.00} for online, if acceptable in our state. I wanted to know if Illinois was allowing them to charge us {$1.00} for this online " service. '' Also, how can they charge money for paying your own mortgage? I called NewRez three times going through the prompts. All three times, when you choose to wait for a representative, then a short 10 second wait and you are disconnected. This is our mortgage company and there is no way to contact them? It is beyond ridiculous and I need them to accept calls. They are terrible with customer service and confirmations. They are not professional at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX, KY XXXX since XX/XX/1999 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company associated with Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 

These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Product: Checking or savings account

I was a little low on my Checking account for the monthly service fee and the bank took the service fee and made my account in overdraft status. I went in and the teller informed that the fee is paid regardless if you are elderly or not. I couldn't believe what I was told so I put money that I didn't have in the account to bring it current because the overdraft fees can become very costly and you can be put into XXXX XXXX for an overdraft account. This is terrible because these bankers make money off of these accounts without people even knowing it. They get insurance and make money every month for you staying alive. There are many deceitful ways that the bank makes money off of the people. when you make a deposit they make it seem as if they are making a deposit in their accounts.as well and call you an authorized user but you open the accounts and all these banks need is your signature and they can go to the Treasury and get deposits for them to do whatever they want to.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.