23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My card and pin was stolen by a friend, revolut staff claims they investigated but they did not, because if they did they would have looked at the ATM AND MERCHANT VIDEO SURVEILLANCE CAMERAS AND OBSERVE IT WAS NOT ME AND THESE WERE UNAUTHORIZED TRANSACTIONS WHICH WAS THEFT AND FRAUD.AND THE STAFF OF REVOLUT IS XXXX THEY THINK XXXX XXXX XXXX XXXXXXXX THAT I AM RICH THIS IS NOT TRUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} was stolen out of my account and they just won't take any responsibility.
Product: Checking or savings account

On XX/XX/XXXX I was sent an email by pay pal saying I was no longer allow to use my pay pal account without an explanation as to why they was holding my funds for XXXX days, all my money in pay pal is my government stimulus money, unemployment & child tax credit, Im single mom with XXXX kids my last child isXXXX month old and I lost my job due to XXXX and only financial survival was my government pandamic funding that pay pal has locked and wont allow me to access my money. Paypal wont give me an explanation as to what Ive done to go against there policys, I have no money and no way to pay my bills or provide for my family due to all my money was in that account due to direct deposit I set up with irs and unemployment, Ive had paypal for over 10 plus years I currently have {$11000.00} in that account that was mine to care for my family threw the pandamic and I have nothing till they release my money and they are telling me I wont be allowed to my money till XXXXXXXX XXXX  2020 I need help this is inhuman and righteous wrong. There will be a disastrous effect on the financial well-being of my family if Im not able to access these funds for XXXX months not to mention no holidays to provide for my family XXXXm a single mom on section XXXX
Product: Debt collection

I do not owe any Debt nor Have I ever had an Account with " I C SYSTEMS COLLECTIONS '' I have Resolved this matter With the Original Creditor. 

To Whom It May Concern, I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX LOAN Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Debt collection

filed an dispute with XXXX XXXX XXXX XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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
Product: Debt collection

this debt hippo violation sent to all parties XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   also
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : National Credit system. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX account Number : XXXX Has reported that my account has been charged-off while continuing to report a balance. According to the IRS Code ( Internal Revenue Code - IRC, 6050P ), when a debt is canceled and claimed as a loss, a 1099-C form should be issued to declare that cancellation as taxable income. I have not received such a form.

and still continue to report an outstanding balance to the credit bureaus, which constitutes a violation of the FCRA. 

And also, I believe that the information currently reported is inaccurate and potentially incomplete, violating the requirements established under the FCRA, 15 U.S.C. 1681e ( b ), which mandates that all entries in credit reports must be complete, accurate, and verifiable. 

The balance of {$5100.00} exceeds the original credit limit of {$4500.00}. This needs to be clarified, as it could represent unauthorized interest or fees beyond the original terms of the agreement. 

In previous disputes, no evidence was provided to substantiate the accuracy of the reported data. I request that you initiate a detailed investigation with XXXX XXXX to confirm the validity of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The recently received a copy of my credit reports from all three bureaus were XXXX XXXX XXXX reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for TRANSUNION. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that I have the right to privacy. 15 U.S.C 1
681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

XXXX file number : XXXX
Product: Debt collection

I contacted their Company by phone several times and I asked for information on the debt and some sort of documentation showing I owed the debt because the acct is a charge off on my credit report I have called several times to get a validation of this debt the loan was a loan that was taken out online it is a reflection on my credit report XXXX XXXX and XXXX they refuse to discuss the validity of the debt and have refused to send me the validity of the debt and something showing why I owe this debt I have not received anything and they said the loan was taken out XXXX days ago this is a scam please help!
Product: Credit reporting or other personal consumer reports

Hard inquiries were not approved for : 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 XXXXXX/XX/2023 I called the dealership as I did not authorize these institutions that appear on my credit report. I approved three on my report
Product: Credit reporting or other personal consumer reports

The following ( ACCOUNTS ) are being disputed for Id theft. 
XXXX XXXX closed XXXX XXXX XXXX XXXXXXXX XXXX  closed XXXX XXXX XXXX XXXX closed XXXX XXXX ( INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  on XXXX XXXX FTC report ( s ) attached
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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.
Product: Mortgage

Had a XXXX conventional fixed mortgage through XXXX that originated in XX/XX/XXXX. That loan was sold to Rushmore Loan Management on XX/XX/XXXX That transaction was completed on XX/XX/XXXX ( Rushmore loan # XXXX ). 
My XXXX homeowners insurance was being paid through escrow for approximately 11yrs and the information was transferred to Rushmore ( policy # XXXX XXXX ). 
A pipe or connection burst in the condo and caused approximately $ XXXX in damages to the unit below me. While contacting XXXX to start a claim, they stated that the policy lapsed on XX/XX/XXXX and was never pain by Rushmore. Representatives from Rushmore have sent this to the " research dept. '' ( claim # XXXX ), but I have been told it may take XXXX days for them to make a decision. Can you help expedite this?!
Product: Credit reporting, credit repair services, or other personal consumer reports

loans forgiven, yet there still showing as reported XXXX  ... XXXX will not remove, keeps ne at lower score and negative
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion report has not changed the status of my accounts and is not current. My XXXX and XXXX reports are correct and would like TransUnion to do the same. The student loans have been taken off and I now have a XXXX credit score with the other 2 bureaus I would like TransUnion to do the same
Product: Vehicle loan or lease

My loan was already paid off. I had the car title. And they still tried to repossess the vehicle. Embarrassed in front of my neighbors when I owned the car.
Product: Debt collection

I paid off a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$1600.00}. I received communication from Javitch Block LLC ( Javitch ) in XX/XX/XXXX stating that they were taking over the case and most of the debt was still owed. I provided proof that the debt was paid in full prior to the date Javitch required, before further action would be taken. On XX/XX/XXXX almost an month after I had sent proof the debt was paid and had received acknowledgment from Javitch that they received my documents and were looking into the matter, a lien was filed and recorded with the courts against my home by XXXX XXXX. I have not to date been notified of said lien. I received service of the satisfaction of judgement for my case last week and today went online to see if the courts had updated my case with the satisfaction only to find the lien myself.
Product: Credit card or prepaid card

I purchased a watch on XX/XX/2023 through my American Express Gold Credit Card for the amount {$4600.00}. Unfortunately I lost the watch during my day off while visiting the mall. After I researched on the American Express website, I managed to find that my credit card offers a service called purchase protection. I filed a claim with AMEX within the purchase protection window outlined in the credit card agreement. I also double checked that my current situation qualified for this benefit. When I first filed the claim I provided all the information required, at first my claim was denied. I appealed the case and provided more information and proved everything that I was qualified and I was within my rights. I was put through multiple loops of unhelpful customer support calls and emails which neither of those were returned to me on timely matter ( around 3-4 days delayed ). This is a complete violation of my rights and our agreement with American Express. In addition, it is a terrible customer service which makes me to be pushed away from this company when they don't even have the minimum decency to reply on time to such an important matter to their customers. Amex promotes such cool services for their premium credit cards but don't follow through and violate customers ' rights. 
I am completely disappointed with Amex and their brand for promoting protecting their customers because they surely didn't protect me.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX account reported Equifax. Balance claim of {$500.00}. Not accurate. Credit limit of {$400.00}. I never made huge purchases such as this. Maybe a small purchase awhile back. 8 years and 8 months on my report. Not sure why Equifax refused to remove but way too old by statue of limitations to be there anyways. 
2. XXXX XXXX XXXX. Also too old. 8 years 6 months. {$830.00} balance. {$500.00} credit limit. Not proven valid. Too old. Equifax will not remove. Disputed both recently.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

So, here 's the rundown. You know that Fair Credit Reporting Act ( 15 USC 1681 section 602a )? Apparently, it tells consumer reporting agencies to play nice, be fair, and respect our privacy. Well, as the consumer, I threw my weight around, reminding them of my rights under 15 USC 6801 Congress insists financial institutions keep their hands off our private info. Now, there's this thing about entities feeding info to credit agencies, calling them " financial institutions. '' Supposedly, they're supposed to follow rules. According to 15 USC 1681 section 604a ( 2 ), if a consumer like me gives written instructions, they can dish out a consumer report. But, here 's the twist the financial institution and the big names, credit bureaus never bothered to get my written consent. So, consider any kind of consent, whether it was spoken, gestured, or whatever, totally cancelled by yours truly. Now, about these big shots not bothering to tell me about my right to shut them down thanks a lot, 15 USC 6802 ( b ) ( c ). All 3 bureaus thought it was cool to toss negative items on my credit report without my say-so, which, surprise, surprise, is against 15 USC 1681C ( a ) ( 5 ). Hold on, it gets better Section 1681s2 ( A ) ( 1 ) A of the U.S. Code screams, " Dont give false info to consumer reporting agencies. '' But Equifax and XXXX missed the memo and are breaking the rule. And then there's 15 U.S. Code 1681e, saying every consumer reporting agency should have their act together with " reasonable procedures. '' They're not really following these supposed " reasonable procedures. '' Last but not least, 12 CFR 1016.7 says I can slam the door shut on their reporting services whenever I want and guess what? I'm slamming it shut now. So, these guys better fix things fast, or they're in for a legal storm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX, a data breach at Equifax caused my personally identifiable information to be exposed to criminals, including name, date of birth, social security number, address and possibly my driver 's license number. This is not only the information used by lenders, employers, social service providers ( HUD housing, SNAP, etc. ) to verify my identity, but also the exact information required by Equifax in order to request a credit freeze and presumably take other actions regarding data in my credit report. Equifax has not only exposed my identity, but the only ways I have to verify myself to them in order to protect myself. I am very lucky that I had the tools and knowledge to place a credit freeze myself quickly, hopefully Equifax will require additional information from anyone who might contact them claiming to be me to ask for a new PIN to unfreeze my credit.
Product: Credit card

American Express that I signed up for because it made it easier to shop at XXXX, has repeatedly overcharged interest. I finally decided to cancel the card, called for the payoff, wrote a check for that amount and sent it that day. They cancelled the card but they are now charging {$9.00} on no purchases and saying that I owe interest on previous charges.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX