23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIDGECREST - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

These Financial Intuition are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant.

15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment at around XXXX XXXX through my apple wallet in the amount XXXX of which XXXX was made from my apple cash balance. On XX/XX/XXXX at XXXX apple card charged me interest in the amount of XXXX. I called Apple to inform them of the error and was told a billing dispute would be open. On XX/XX/2023 I received a call from Apple indicating that they didn't process the payment until XXXX XXXX on XX/XX/XXXX and wouldn't credit me back the interest. There seems to be a processing error on their end as the payment was made at XXXX XXXX through Apple wallet not my bank. This caused my card to reflect over the limit and report negatively to the credit Bureau.
Product: Debt collection

I didn't receive any communications from XXXX that I had owed a bill to them until the account went into collections. I had switched companies and wasn't aware nor did I receive anything my phone, email or mail. 
As soon as the bill for collections came to me, I immediately paid it - I have perfect credit aside from this debt. 
I had disputed this originally and was under the impression it was removed, but it seems it was only removed from XXXX, not the other 2 bureaus.
Product: Debt collection

This company has placed an account in collections in 2015 for a payday loan from XXXX. It 's been over 7 years so it should no longer be reported on my credit not that it was just placed for collection so that it will fall off my credit in XXXX. I have not received any written communication from these shady people either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXXXXXX XXXX Account Type : Charge Off ( closed account ) Amount due : {$550.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Debt collection

XXXX XXXX has been hired as a debt collector for XXXX to collect a debt of {$3500.00} that was fraudulently made in my name in XX/XX/XXXX of this year. In XX/XX/XXXX, XXXX XXXX would call me from a different phone number almost every day. They would not identify themselves as a debt collector. They would ask if they were speaking with " XXXX XXXX '' and I would confirm. Then they would ask me to a verify an address on file. The majority of the time I would not confirm or deny the address as being correct ( it was incorrect ). Instead, I would state that I need to know who is calling me and asking for this information before I could respond to that question. They would then respond that they could not tell me that until I gave them the information they needed. I would eventually hang up on them after stating that I do not give out information over the phone to people I do not know and if they would not identify themselves, I would not be providing them with any information. On one occasion, I did respond that the address on file that they have is incorrect. When they asked for a correct answer, I, again, refused to give that answer unless they identified themselves. They, again, refused to identify themselves without me giving them a correct address. Finally, I told them that I was going to report them to the FBI and that they need to stop calling me if they are unwilling to identify themselves. I did make a report with the FBI in the second half of XX/XX/XXXX listing a complaint with the above information and two of the phone numbers I had for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment XXXX you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile
Product: Debt collection

In written reply from Midland Credit Management were documents from both XXXX XXXX and XXXX. In XXXX document that claimed they couldn't verify the Police Report number given to me by XXXX XXXX Police Officer that came directly to my apartment door when he gave me the Report number. XXXX stated prior to CFPB complaint they had no prior response from me. Submitted with this complaint are copies of emails from XXXX verifying they received contact for me about the fact I didn't get my order. I still don't have it, nor have I requested a replacement. I had also submitted a complaint in 2020 to Antitrust Dept. of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX XXXX : XXXX XXXX
Product: Debt collection

They say I opened an account on XX/XX/2021 with a balance of {$7100.00}, but I I have never signed any contracts or documents opening anything I would like to see the full contract saying I opened this with them and a full un-redacted purchase agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize theses hard inquiries that are reporting on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX that I was ( 30-60 ) days late in 2020 on the XXXX XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XX/XX/XXXX for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XX/XX/XXXX as well as the bank to remove these lates however, I have not been successful.
Product: Mortgage

I have submitted a complaint already on this issue. I understand the company has time to respond, however we have called and left messages and no response back. This is costing my husband and I hundreds of dollars a month due to their error. I have spoken to town hall and received documents supporting the payments were always made quarterly and never in one lump sum. I advised fifth third of this and they continue to state that they were told by the old mortgage company that they were to be paid in one lump sum. However, I also have the proof and documents to so that they old company paid quarterly. Our mortgage has gone up and we want it back to the original amount. We can't not pay what they are claiming in the meantime because they would foreclose for not paying the amount. This was completely their mistake, and we should not be responsible for it. They can request a refund from the town and then pay quarterly like that should have been the whole time. Our broker has even explained this to them on a three-way call, stating he has the proof in the closing documents stating how the escrow was set up. This needs to be handled and fixed ASAP as we again are paying hundreds more a month that we should and that is really adding up over the months.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX notified me on XXXX XXXX that my recently deceased husband had a policy with them and Wells Fargo Bank was the custodial beneficiary. The insurance company told me that they can not process the claim unless Wells Fargo contacts them. I have spent many hours talking to many people at Wells Fargo to no avail. Nobody at Wells Fargo has been able to tell me anything they just keep referring me to somebody else who has no information. On XXXX XXXX I received a letter from Wells Fargo Mortgage Company giving me the payoff amount for my home mortgage. I called Wells Fargo ( again ) and asked who had requested this information. They said they did not know but they thought it may have been the insurance company and I should call them. I called XXXX XXXX and they said the claim forms they sent to Wells Fargo had been returned unopened. This whole business makes no sense to me and has caused a tremendous amount of XXXX that I dont need after just losing my husband of XXXX  years. SOMEBODY at Wells Fargo must surely be able to resolve this situation. I will be most grateful for any help this complaint generates.
Product: Money transfer, virtual currency, or money service

Cash App closed my account due to illegal gambling transactions when I reached out to Cash App about this they said they could not send me the transactions that I requested that were flagged gambling because I used my Cash App to send funds to my son and a friend of mine that is a long haul truck driver and they also did this to his account as well. I was not informed of any transactions being suspicious until they closed my account due to these gambling transactions but they would not produce these to me when requested. 
I have dealt with Cash App for over five days on this issue and all they can is we investigated and determine that this was the truth and however, you might not agree with our decisions we stand by it.

I have emails between myself and a corporate manager if you shall need them.
Product: Mortgage

I lost my job and went into default on my mortgage in XXXX XXXX. I was forced to file bankruptcy in XXXX XXXX to protect myself from Flagstar bank. 

On XXXX XXXX, XXXX, I received a debt collection letter from " XXXX '' related to the Flagstar mortgage demanding {$110000.00} from me. I called their customer service number and big surprise, got Flagstar bank. I spoke to XXXX, ID # XXXX, and told her my debt was supposed to be discharged with the bankruptcy in XXXX XXXX. She placed me on hold for 10 minutes, came back & informed me that " the letter from XXXX was correct and the debt collection would continue. '' She could not tell me why it was correct or why they were continuing with their illegal harassment & illegal debt collection practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding a hard inquiry on my credit report on XX/XX/ from a US bank and stated that I have never done any business with a US bank in the past or present. US bank replied to the complaint mentioning that the hard inquiry was part of the application process. They mentioned that the application that they assumed I filled out was rejected, and the reason was " UNABLE TO VERIFY IDENTIFICATION INFORMATION ON THE APPLICATION. '' I have never applied to anything with a US bank, and their letter indicated that the identity of the applicant was not verified. I tried to call US Bank several times to ask about what kind of application it was because I never applied to anything with US Bank, but I always get a recorded message asking me to go to their website to get an answer to most of the questions. 
US bank refused to remove the hard inquiry on my credit report even though they were unable to verify the identity of the applicant.
Product: Debt collection

To Experian I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and Experian has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Product: Bank account or service

Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/20XXXX XXXX XXXX XXXX  - XXXX XX/XX/2022 EXPERIAN BUSINESS CRED - Business Loan Inquiry Alert from : Experian XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX Code XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Line Closed by Credit Grantor Alert from : Experian XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX DelinquentAccount XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %
Product: Credit reporting or other personal consumer reports

I made timely payments on a mortgage with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. I filed bankruptcy in XXXX that was successful and again in XXXX which was unsuccessful, but this obligation stopped showing up in my credit reports. 

I have made on-time auto loan payments to Navy Federal Credit Union From XX/XX/XXXX and am still making on-time payments for this loan. This, also stopped showing up in my report.
Product: Credit reporting or other personal consumer reports

{$730.00} BEST EGG ESTABLISHED XX/XX/XXXX, CALLED COMPANY ON XX/XX/XXXX THEY CANT FIND ME IN THEIR SYSYEM
Product: Debt collection

I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via PayPal and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with PayPal. PayPal deducted {$530.00} from our PayPal account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to PayPal. On XX/XX/18, PayPal notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/18, that PayPal sent our balance to collections. We never received notification from PayPal that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with PayPal on XX/XX/18. 
- More detailed outline is provided further below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfinancial Companies placed collection accounts on my credit reports claiming that I owed the company. I disputed this information and asked for validation of this debt and none was provided to me in any form. The company proceeded to remove it from my XXXX report but left it on the other credit reports. I would like for them to remove this invalid information from all credit bureaus.
Product: Money transfer, virtual currency, or money service

Friend paid me via friends and family option in PayPal. Two transactions on XXXX in the amount of {$10000.00} each. When the funds hit PayPal account a fee ( {$290.00} for each transaction ) was charged. I immediately ( within 2 minutes ) refunded the money and called PayPal to indicate a mistake had been made. They processed both refunds and refused to refund transaction fees. They indicated a XX/XX/2019 change of terms was emailed to users indicating a terms of use change making all fees non-refundable. I never received this notice and believe this is an unfair consumer practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed XXXX XXXX to place a collection account on my credit report in the amount of XXXX USD. The original creditor is XXXX. After speaking with representatives within XXXX, I have been told I have a XXXX balance ( XXXX ). Without any regard for my personal and/or credit worthiness, Experian decided to put this on my credit report. As I am in the process of buying a home, this has put a dent in my credit making it harder to purchase a home! Should someone get a slap on the wrist or should a full blown lawsuit follow this to justify what has happened to me and I 'm sure, tens of thousands of others ...