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  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XX/XX/XXXX informing you that these items should be re-investigated, updated or deleted because no changes were made to my profile. Since then, I continued to send letters to the bureau as well as the creditors requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issue. I pulled my report again and it is now XX/XX/XXXX and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  According to the FCRA, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA and must be deleted for inaccurate reporting
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXXXXXX 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

This is my numerous 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 questioning 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 an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a representative by the name of XXXX on XXXX XXXX, XXXX. My call was in reference to the bankruptcy that was removed from my credit report. I called because items that were included were showing on my credit report after the bankruptcy had been removed. The accounts were XXXX XXXX, XXXX, and XXXX XXXX. The representative assured me numerous times that the information would be removed and that it was just a matter of the report updating. From past experiences this has not been the case, however I accepted what I was told because the representative said that she would send me an updated report. I received the updated report and the items remained on the report. I placed a second call the week of the XXXX and spoke with XXXX who advised me that the items would not be removed and I would need to go through the dispute process. I then requested to speak with a supervisor XXXX in Nevada and he advised the same as the representative and I expressed how I felt that it was unfair considering that I confirmed and reconfirmed with the original representative that the items were being removed. I think that when a person calls a company to get information in regards to any account or credit reporting that they should be able to walk away knowing that what they have been told is accurate and will be carried out by the company.
Product: Mortgage

Our loan was transferred from XXXX  to FlagStar in XX/XX/2022. Our autopay to XXXX continued until XX/XX/2022 and Flagstar collected those payments. We were not notified of this loan transfer. We do not receive mail at the physical address and had advised XXXX we require electronic notices. We could not know we were falling behind because the auto payment continued as usual until they abruptly stopped. We discovered via our credit report. 

We called Flagstar on XX/XX/2022, and they could not offer any assistance or explanation, so we paid three mortgage payments on XX/XX/XXXX. The website reflected the payment as accepted. 

When we logged back on to the portal this month, the portal no longer indicates those payments. They were deleted. We made those three payments again today, XX/XX/XXXX. The portal reflected as accepted. Then we received a text that the payment failed. We called Flagstar again. The representative XXXX, last name unknown, said we dont know nothing. That is a direct quote. She said they had no record of is ever making payments. We advised her we had texts FROM FLAGSTAR advising us to call this very number to get it resolved. We asked to speak to her supervisor and she said Im telling you nobody here knows nothing. When we finally persuaded her to speak to a manager, SHE spoke with the manager and came back and said we couldnt pay online becomes we were behind. So clearly her manager was able to determine the sissies nut not resolve it. Her manager would not speak to us. 

She said we would have to wait and see if the portal worked someday. When we advised this was not acceptable, she said all she could do was put in another payment because she dont know why Flagstar does it that way. Now our credit is ruined. We have sufficient funds to pay all payments and have never been unable to pay. We simply need Flagstar to accept the payments. We need to have this false credit reporting removed.
Product: Credit card

Purchased an item online for {$250.00} on Sat, XX/XX/year>XXXX   with my Paypal Credit card. Item was never shipped. Contacted the company, they said they never received the payment. Company then ghosted me. 

Contacted Paypal customer service, they would charge back and start an investigation. Received refund on Tue, XX/XX/year>. Have not heard anything since then, until today, when I see Paypal charged me {$250.00} again, as an adjustment. I call customer service, they say they can not help me, and transfer me to a different department. This department does not pick up. 

I get an email saying " You have a new message waiting for you in the Secure Message Center. To view our response : Log in to your account. 
Select Contact Us/My Messages. '' There is no Secure Message Center in the Paypal Credit Card account info. I can not find it anywhere. I XXXX  it, and there are numerous people with this issue.
Product: Credit reporting

I traded my XXXX Toyota 4runner in on XXXX/XXXX/XXXX. The payoff check was cut on XXXX/XXXX/XXXX. My last statement shows that my next payment was due on XXXX/XXXX/XXXX. This check was clearly not 30 days past due which is what Toyota is reporting to the credit bureau. I contacted Toyota as soon as I realized that they had not posted the payment to my account. I was told this would not effect my credit report because they did in fact have the payment on time. I called the following 3 months and was told each time that my credit report would be fine as they did have the payment in hand. In XXXX I pulled my report and found they had reported a late payment. I mailed my dispute to the credit dispute research team who never contacted me back. When I called again to follow up I was told there was no one I could talk to, but they would send a note over letting them know that I had never received a letter regarding the investigation even though the investigation was closed and they had determined I was at fault. I have never in my life missed any payments and their representative had no further suggestions for me to be able to get this scar removed from my report. She simply said my payment was late and they were required to report it and that I need not go on and on about it. Given that the balance was paid in full on this account shortly after the " late '' payment I would think that a request to remove this late payment would be granted give then circumstances and evidence provided. I also contacted XXXX during the course of the confusion who also called Toyota and was told this would have no effect on my credit report. Shame on Toyota for your terrible customer service.
Product: Payday loan, title loan, personal loan, or advance loan

Interest rate fees high
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. XXXX very frustrated because it seems all my disputes are being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX XXXX. They treat verifiable 3rd party banking errors as late payments and do not respond to complaints even when written proof has been provided. 

To insure my payment was never late I set up automatic payments through XXXX XXXX for my Fidelity credit card ( they manage it ). It worked fine for years. Then a third-party accounting firm accidentally shut down the wrong bank account - mine - the one XXXX XXXX had been pulling payments from. XXXX XXXX tried to pull the payment as usual but the account had vanished. When XXXX finally contacted me a few days later and informed me of the problem I paid the amount instantly right there on the phone. 

All of this happened outside of my knowledge or control and was the result of a banking error. I have a letter from the firm responsible admitting their error. I have provided this letter as proof to XXXX XXXX twice but they have never responded to my written disputes. Experian states the file was updated, but it was not. 

I would like the XXXX late notice removed from my credit report because it is not a reflection of reality, my ability to pay on time, or my credit-worthiness.
Product: Mortgage

Hello, upon putting in an offer on a property XXXXXXXX XXXX  Forced me to use a specific title/escrow company, Mortgage connect Which caused several delays, missed an easement, undo stress about extending my lease, rushing through a construction remodel and Missed important, deadlines, incorrect paperwork, incorrect recorded deed, which was rejected three times. I am extremely upset about the water easement that was missed as well on my property which now is going to cause future issues, resale value and disclosure problems.
Product: Credit card

I have XXXX inquiries on my XXXX credit report over a 2 year period from SYNCBPAYPALEXTRAMC XXXX. XXXX XXXX XXXX, Florida XXXX. I have never applied for any credit card through this company. I have called them 4 times to inform them that those inquiries are not mine and asked them to be removed. Each time they promise to remove them and never do. They did put a fraud alert on my account. I have written two letters as well. I received one letter of apology declaring they will remove the inquiries and a second letter stating that they need proof and that the XXXX different credit monitoring programs I use are not proof. They wanted the report directly from the credit bureau. I sent them the exact proof directly from my TransUnion report. Instead of fixing it, on XX/XX/XXXX they added the XXXX inquiry. This has lowered my credit score significantly and is unacceptable as I am going to move soon and can not afford this on my report. These are not mine and I should not be penalized for this SYNC PayPal 's fraudulent practices and lack of a timely solution.
Product: Credit reporting or other personal consumer reports

I'm reaching out for a follow-up to emphasize that I'll be updating my credit reports within the next 15 days. This complaint is sent with the expectation that you will take necessary actions to remove the listed items from my credit reports. Attached to this complaint are my identity theft reports XXXX XXXXXXXX and XXXX XXXXXXXX for your reference. Kindly review the items below for removal : 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 EQUIFAXXXXX XXXX XXXX XXXX  EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Company tried to launch new services and it failed. Ca n't access money. Ca n't even get through to talk to anyone. After prompts the phone hangs up on second ring. Ordered new card paid {$30.00} to have 2 day delivery, still nothing.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft. There are inquiries and addresses on my report that do not belong to me. Please remove these hard inquiries and addresses immediately. 
XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/23
Product: Credit card

my debit card was stolen and used fraudulently i reported the theft and charges and XX/XX/XXXXrefuses to credit my account making false accusations and incompetent lies
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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00}, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$86.00} Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX - XXXX XXXX XXXX Account name : XXXX # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A States I have right to privacy 15 U.S.C. 1681 Section 602 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 my 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: Debt collection

I was in an accident on or around XXXX of XXXX I was referred to pain doctor for rehab, I was XXXX diagnosed and told I needed XXXX, the XXXX was supposed to be covered my my car insurance, and the other persons car insurance and I had Medicade through the state I believe it was XXXX XXXX at that time. 1-2 years after the XXXX I start getting mail and phone calls that I owe this money, all of my bills should have been paid through insurance and lawyers claim. I am still being charged this amount for this medical bill, I have tried to get this resolved with the insurance companies and everyone is giving me a run around and pointing fingers with no hope to resolve. Please help me. I also later found out the place I was refers to go to for pin was shut down for fraud, for making false insurance claims and lying on injuries paitensts didnt have. It is under XXXX XXXX which is my old name my name name is XXXX XXXX
Product: Credit card or prepaid card

I have a TD bank card, I have numerous times paid with a new checking account and have asked them to change from the old bank account, of course they don't. I have tried to login on multiple times and looked to reset my username and password. It shows me a screen that asks me to call a number XXXX XXXX XXXX XXXX. When you enter your card number it hangs up on me after wasting 5 minutes of my life here on earth. TD bank and Target have the worst credit card system out the many cards I have used. I think both are not capable of handling credit cards systems ( just my personal thoughts ).
Product: Credit reporting or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting companies are reporting my last car payment to TD Auto reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit scorXXXX!!
Product: Bank account or service

This is follow up on my previous complaint against Chase Bank. Also update on the {$100.00} that is on hold when will i receive itWe are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX, 2015. Once the claims are finalized and if approved, {$100.00} will be mailed to you in a cashier 's check. We have received multiple complaints regarding the same issue and going forward we will no longer be responding to you about the same issues. 
We are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX. Once the claims are finalized and if approved, {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I got an alert from a credit reporting agency about an enquiry from Syncb/paypal on that same date. Since I did not request any credit, it was cearly fraud so I called Paypal the next day to have them remove the enquiry from my report. 

I was told that since it was fraud, that it would be removed in next 7-10 days, I do not have a reference from that call as I left it in good faith. 

On XX/XX/XXXX the enquiry remained on my credit report, therefore hurting my credit score, so I called back again. The rep at Syncb/paypal said they didnt have any record from the first call, so I asked for a reference number, wich they gave me. It is XXXX. The rep told me once again that I would get a resolution in 7-10 days and a letter in the mail to confirm resolution. 

End of XX/XX/XXXX the enquiry still remains on my credit report so I called back again, give them the reference number but still no resolution and they now tell me it takes 2 months, and one has already gone by and my credit score is affected, The rep tells me however it will be solved very soon. 

Today XX/XX/XXXX the enquiry still remains, and I therefor I am wishing to file a complaint. 

It is very unfair for them not to escale an issue where I am not at fault. Some third person tried to open a card in my name, and was fraudulent. They acknowledge that the credit request was fraud, so why am I held hostage to the adverse enquiry on my credit report. 

Please someone help me, Paypal is not cooperating and I dont trust they willk remove the enquiry in a timely manner and its affecting my credit score, in a time where I am trying to get the best score possible.
Product: Credit card or prepaid card

Bank of America Fraud Department My card was used to make two fraudulent purchases. 
XXXX XXXX portable generator and soft drinks -- {$920.00} XXXX XXXX stations -- {$69.00} On XX/XX/XXXX B of A sent out a new card that we never received. 

Attached you will find the XXXX XXXX receipt from store XXXX where my stolen card was used to purchase a XXXX XXXX portable generator and soft drinks. This XXXX XXXX store has video at their registers that can provide the identity of this thief. 
Date : XX/XX/XXXX Time : XXXX XXXX  Cashier : XXXX I have never been to this XXXX XXXX store except to research their records that shows this was the only purchase made at this store on my card. 

I also attached a copy of our purchases from XXXX XXXX stations that show we never purchased gas over {$48.00}. Our car is a XXXX XXXX and only holds XXXX gallons of gas. 

The XXXX road Post Office has indicated that mail has been stolen from several residencies in the neighborhood and is also asking locals to be on the lookout for suspicious people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's is reporting a late for XX/XX/20 and XX/XX/20 that I ask they remove. I recently took a look at my credit file and noticed these lates reporting.During this time my entire family also fell ill to XXXX as did I. I was very sick and could hardly keep up with anything. However, I was unaware of ever being late as Macy 's had the wrong address and sending statements to the wrong address. I was never notified during this time through call that I was past due. I would have paid my balance no problem, but like I said I fell ill and my health was my main concern. Without receiving any statements or calls about my account I really had no way of knowing what was going on. I ask that Macy 's please remove the late notations.