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

FCRA VIOLATONS : NOT MINE Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9200.00} Status Account charged off. {$40000.00} written off. {$9200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$3600.00} written off. {$3400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$940.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$580.00} written off. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquires and that hard inquiries are a result of identity theft and that it must be removed within no later than 4 business days as per 15 USC 1681, 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: Credit reporting, credit repair services, or other personal consumer reports

In the past I have had hard inquiries on my credit from PayPal. I have never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all from  XXXX . I looked it up and it is PayPal. These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it is  PayPal  again. I have not authorized anything for PayPal.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the consumer reporting agencies asking to have specific accounts on my consumer file removed as they are unlawful and violate the FCRA and the FDCPA. I am recommending the CFPB take a look into this matter. By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
Experian, XXXX, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me to be denied of housing for my family causing pain and suffering. Every dispute has came back verified but now i demand information how the information was verified if 15 USC 1681a ( e ) says An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. I am also demanding information of me the consumer giving consent to each credit reporting agency with a wet ink signature stating that i agreed to have these accounts furnished on my consumer report. If you can not provide this document then my consumer report must be updated accurately with fairness.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts.

Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$52.00}
Product: Debt collection

This company is attempting to collect a debt that I am unfamiliar with. According to my credit report they are collecting a school related debt. The period of time that they are reporting the account opening, I was not attending school. For this reason I am doubt the validity of the information they are attempting to collect. Despite doubting its validity, at this point is more important for me to have the erroneous information removed from my credit report, immediately. I am prepared to offer a settlement of {$980.00} in exchange for a complete deletion from my credit report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I previously filed a complaint with CFPB concerning harassing phone calls from the stores which are Capital One, XXXX, XXXX, XXXX and XXXX XXXX! I had been talking with them all concerning lowering late payments as well as smaller pay off amounts to get my cards back current and usable. They all assured me that they would send a letter as well as email me converting the amount they had figured to get my cards usable. Some even lowers late payments and took money from me saying my account was in good standing and I would be able to use my cards in XXXX weeks! They all closed my cards without notifying me and I called constantly! This has drastically messed up my credit and after being harassed and lied to SOMETHING must be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent certified mail to this person and they received my dispute letter on XX/XX/XXXX, according to XXXX records. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. The XXXX explained that since this person has charged off the account that they're reporting, said account is now considered earned income. Income does not get reported to consumer reporting agencies. However, they are actually still reporting the account as a bad debt/charge off which is inaccurate and against federal law. There is a section in the XXXX that governs this person and they are violating federal law in multiple ways, including the XXXX. They should not be reporting any account with my name because I do not have business with this person and I've clearly provided them with enough information about their willful noncompliance and disregard for federal law and enough time to delete the account. They are still reporting this inaccurate information and it needs to stop plus be deleted.
Product: Mortgage

I work a customer service representative who was a supervisor her name is XXXX. When I spoke to her about following the state guidelines with a loan modification. She stated they do. But I was explaining all issues that was wrong and she kept dismissing me. 
When I let her wanted to do a survey about the call at the end she purposely made sure there wasnt a survey.
Product: Mortgage

I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.
Product: Checking or savings account

I applied for a US business checking account online and got approved. The next morning, I called the customer service number and told them I got approved but didn't receive an email with any account information so that I may set up online enrollment and fund my account. The representative told me I had to wait to receive it in the mail and rudely hung up. A few days past and still nothing. I got an email today telling me my account was closed due to non funding. I called customer service and they told me there's nothing they can do. That is totally unfair! Not only did they close my account, but they also report this activity as suspicious to credit reporting agencies so that other banks don't open an account for me. What US bank did was ridiculously unfair and it's really holding me back from being able to do basic business functions such as payroll.
Product: Mortgage

We were pre-approved XX/XX/XXXX, XX/XX/XXXX they cut our mortgage by {>= $1,000,000} and said we now had to put an additional {$100000.00} down. Thats when I questioned where the got the {$1900.00} s income figure when it was {$3000.00}. No answer. Loan officer asked not to give up, he would get things straightened out. I have over 200 e-mails going back and forth, supplying proof of our 2 additional incomes and everything else they asked. 35 days in, he said that all was good at original pre-approval. The following day he called and said they denied one of the additional incomes and we would need more down payment again, he would let me know how much. The next day he called and said they reverted back to the XX/XX/XXXX counteroffer requiring another XXXX XXXX payment. I countered with an additional {$85000.00} down or having part of our IRA converted to an Annuity that would pay us {$1000.00} a month in place of one of the incomes they denied. They replied they were not interested in any other offers other than the additional {>= $1,000,000} additional down and that we should contact another lender, then they de-activated our application. Thankfully, the sellers are willing to work with us to find a solution to our buying their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C 1681. 

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy. 

According to : 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 According to : U.S.C. 1681s- ( 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: Checking or savings account

On XX/XX/XXXX my husbands card was declined while trying to make a purchase. We contacted ally and they wanted to verify a transaction that was done around XX/XX/XXXX. We confirmed it was our charge and they fixed the error. On XX/XX/XXXX, my husband went to make a purchase and was declined again. He tried to access the mobile app to see what was going on and was denied access. We called customer service and they stated they could not tell us why as it had been assigned to special agent customer service and they could only contact us is 1-2 business days. We informed them this was unacceptable as we had plans for the weekend and needed access to our accounts. They refused to help stating they did not have access to what was going on with out account. There is plenty of money in our account, we were not notified they were restricting access and now we have to cancel our plans for the weekend because of some unknown error on their part.
Product: Checking or savings account

I opened a XXXX  month CD in XXXX, XXXX. I opted NOT to roll over at maturation. The CD matured approximately XX/XX/XXXX and disappeared from my online banking portal. The funds did not appear in any of my accounts. I received no written correspondence from Bank of Albuquerque ( subsidiary of Bank of Oklahoma ). On XX/XX/XXXX or XX/XX/XXXX, someone identifying themselves as being from XXXX called my cell phone and spoke with my husband asking where the funds were to be deposited. He confirmed into my personal checking account. They didn't ask for any personal or identifying information and he didn't provide any. I have since confirmed with Bank of ABQ that they did place the call. 

As of XX/XX/XXXX, my funds are still not available. I called the only phone number available which turned out to be XXXX XXXX. They initially tried to tell me they couldn't help me and provided no other means to resolve the issue and locate my funds. I pushed on them and they said they transferred me to the " branch '' that had called me. ( They could apparently see a call in the records. ) I was connected with someone named XXXX. She was combative and unhelpful from the beginning, claiming there was nothing she could do. She then agreed to " verify my account '' by sending me a text. I work in a secure government facility and cell phones are not allowed. My office phone is also connected to my accounts for this reason, but she refused to call it or acknowledge it was listed. She put me on hold to " talk to her supervisor ''. After XXXX minutes on hold, she disconnected the call. It also turns out that XXXX is not a branch of Bank of Albuquerque but is in XXXX, Oklahoma at the Bank of Oklahoma ( parent company ) offices. 

I found a number for a local branch branch of Bank of Albuquerque and the person there found a " XXXX '' via their instant message and contacted her. I was connected to XXXX again and she said she couldn't figure out anything about how to resolve this but maybe someone named XXXX could. XXXX was in compliance, but was not available. XXXX would have to call me back ... at some undefined time... on my cell phone -- that I can't have access to during business hours. XXXX told me I wouldn't be able to resolve this locally at a branch, that XXXX would not schedule a time to call and told me that waiting for XXXX to call at some undefined time was the only way to get my funds. 

As of today, the CD matured XXXX  days ago, and I can't access my money or find a path to resolve this.
Product: Debt collection

Yes an agent contacted me for a firm named XXXX XXXX XXXX. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of {$210.00}. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting XXXX XXXX  XXXX to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.
Product: Money transfer, virtual currency, or money service

I purchased an item with PayPal from an individual face to face, after the transaction the individual didnt want to wait 4 days for the amount to be available, so I paid the individual the {$750.00} cash and tried to cancel the transaction, paypal asked if it was unauthorized and instead of canceling it, and I clicked yes, tried to fix it for 4 days, the money is out of my account and no way to get it back, even the other individual has being helpful trying to fix something with them, PayPal resolution center just told me since I issued the payment, they cant back me up or help me at all, so Im out of {$750.00} ... that is what they think, I really dont know what to do next.I am XXXX XXXX  XXXX thanks
Product: Credit card

XX/XX/XXXX It has come to my attention that an Application called XXXX  ( APP ) that I have been using to keep track and pay my credit cards had some technical issues and was not syncing and servicing to 2 of my accounts. This resulted in 3 consecutive missed payments this past year. The App was a bill payer and tracker app which is no longer available on the app store possibly due to issues with more people than myself for the same reason.

I am in the process of moving and trying to secure a new lease for housing for my family and this has greatly affected my credit score as I am told. I would greatly appreciate if I could have these late payments removed from my credit report since this was a technical error with these XXXX accounts. The XXXX app showed that the payments were made on my end but the money apparently never left my bank account to pay the bill. This only happened on 2 of my accounts thankfully but it was difficult to catch the error and wasnt noticed for several months. 

I have listed the accounts below and would ask that these delinquencies be removed to help me secure a new lease for housing for my family. 

# Ally for nurses acct # XXXX missed payments XXXX, XXXX, XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX missed payments XXXX, XXXX XX/XX/XXXX After this error was noticed, I have stopped using the XXXX app and pay my bills directly without a payer/tracker app and all payments have been made on time. 

Please help to assist me with this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX SS # XXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

I opened a trust account and attempted to fund account, the bank stated it had an account since XXXX  and linked it to a XXXX  account. The old account is mine but I was NEVER a XXXX  and I have not done any business with bank in many many years. I sent them the XXXX seals and notarized tribal documents and the other paperwork that has been submitted to the Treasury and XXXX certified mail. 

They have denied me access to funds. This is XXXX XXXX My paperwork clearly shows me a member of the tribe and also the designation was further established by the XXXX number given to me by the Treasury. The bank accused me of an internet scheme and closed the account. This is after they received the certified copy of the bonds, and the registered mail copies of the official documentations for the silver and silver dollars. These papers were previously submitted to the Bureau of Fiscal Services, and the bank by registered mail. 

I will not be forced into labor because this bank will not allow me access to the funds that I have clearly and correctly should have use of.All checks are clearly labelled as negotiable instruments. According to 15USC1 IT IS A FINE TO INTERFERE IN COMMERCE and 15 USC2 TALKS ABOUT the ambiguous language and deceptive practices. Which were employed to open the account using the old profile. And completing forms for the treasury without proper labelling. I do not use the form XXXX  only the form XXXX  which was also submitted by certified mail. 

It is completely evident this association was claiming my status to be a citizen to block my access into the XXXX XXXX XXXX as I have requested. They have also received a copy of the Notorized XXXX.