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

I am disputing the validity of Transunion 's so called investigation.They have a responsibility to report 100 % valid information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Transunion to remove the XXXX they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail.On the previous dispute as a stall tactic they responded in another language. I have received communication from Transunion in English only. This is grounds for immediate removal. I have attached screenshot showing removal of this same unvalidated account. I have also included the last letter sent to Transunion and their previous stall tactic response in another language.
Product: Checking or savings account

The bank never sended the statement of my account. Im trying to access it and the profile user id says that is invalid username with my username.
Product: Debt collection

I received several phone calls from XXXX XXXX at XXXX XXXX  stating This is what was left in the message : " Hello this message is intended for XXXX XXXX care if this is you please press one now old for message my name is XXXX XXXX calling with XXXX XXXX the reason for my call today is to verify the address we have on file as we are preparing documentation to file in the case we have now made several attempts to reach you via mail and also two phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you in court we need to speak with you immediately today at XXXX again the phone number is XXXX or you can press one now thank you and good luck ... ''.. 

This is clearly a fraud threatening call
Product: Student loan

Payment Confirmation XXXX XXXX XXXX Amount XXXX  {$1300.00} Scheduled for XXXX XX/XX/XXXX XXXX Confirmation XXXX XXXX  XXXX Amount  : {$1000.00} Scheduled for : XX/XX/XXXX XXXX XXXX A XX/XX/XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$200.00} XX/XX/XXXX These are all my loan payments, and I believe most, if not all, have been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is holding my credit reporting for no reason. 
I am in the process of refinancing my home and the lender hasn't been able to retrieve my credit. I have already communicated with the company to resolve the issue and they haven done anything to clear the situation and release my credit report. They asked me to send supporting documentation to verify my identity and they still have not addressed the issue.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX  XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Debt collection

15 USC 1681 ( o ) civil liability for negligent noncompliance.
Product: Credit card

I received an email from Capital One ( capitalone@notification.capitalone.com ) on XX/XX/XXXX, containing this statement : " Great newsyour new Capital One credit card is in the mail and should arrive by XX/XX/2023. '' I have never banked with Capital One, nor have any accounts with Capital One been opened in my name with my permission. I was tipped off to the suspicious nature of this event, not only because I haven't banked with Capital One, but because a coworker of mine reported to me in XXXX that he received a credit card from Capital One to which he did not consent. I say again, this was not an invitation to apply, but a fully open credit account with his accurate information. I might have deleted the email had I not known this happened with the exact same bank in the exact same way to someone else. 

First, I sent the email to Capital One 's phishing reporting email, but the email did not look like a typical phishing attempt. I then called XXXX, which did not see any fraudulent activity on my account. Eventually, I called Capital One to see if this account was in fact opened in my name. I talked with several representatives before speaking with XXXX in XXXX, Florida of the Application Fraud Department. He provided me with information related to my account, specifically name, email address, shipping address, social security number, and the application date. I asked where it was the application originated, to include the IP address, but I was not provided this information. XXXX also told me my account was listed as XXXX, which meant his U.S. peers that would normally close fraudulent accounts were unable to close it due to international regulations or company policies. I was told to call back in two hours ( the time was around XXXX  XXXX ) to confirm the account was closed. 

Capital One reassured me my account would be closed, but I would like to inquire as to how and why this was opened in my name when I have never banked with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with XXXX and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Discover sued me for an old debt that I knew nothing about. They sent it to a debt collection attorney XXXX XXXX  XXXX who has stated that they are no longer collecting the debt ( I attached the proof below in their response from a complaint I filed against them ). 

I am closing on a home and need to pay the original debt to Discover as a settlement for {$3100.00}. 

If this does not take place XX/XX/19 I wont be closing on my home at all and therefore no debt will be collected at all. So Im trying to pay the payoff of {$3100.00} at closing to Discover bank. My closing attorneys will pay it at closing. 

So please forward this complaint to the vendor department so that this can be settled. Or send CFPB in response back the payoff balance of the debt so that it can be submitted to the mortgage closing attorneys.
Product: Mortgage

XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.
Product: Money transfers

I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}.
Product: Debt collection

I've been constantly harassed by company called monarch recovery for past 6 months they refuse to take me off lists and claim I owe some debt I'm unaware of I just want the calls to stop I keep waking up my wife who pays the bills working 6 days week most weeks, it's getting ridiculous!!!! I just want the calls and harassment and mean phone calls to just stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed all three agencies to remove tax liens from my credit report and a judgement that was paid and ex husbands liability and was resolved over 2 years ago. 
Please have XXXX, TransUnion and XXXX remove this from my credit report and rescore my credit. 
Thank you! 
The Consumer Financial Protection Bureau said the federal regulator had received roughly XXXX credit-reporting between XXXX XXXX and the end of XXXX. A CFPB report issued early this month said many consumers complain that nothing changes when they dispute items in their credit reports, even though federal law requires the credit-reporting companies to conduct a reasonable reinvestigation and update the data to show necessary changes or delete the item.
Product: Payday loan, title loan, personal loan, or advance loan

I have attempted to access my account details through an online portal that is sent via email/text. The portal shows limited information and does not provide a link to show full account number and details of fees/interest. Account activity shows when payment and interest is posted, but the new balance was clearly not reduced by the amount of payment plus interest shown. I attempted to get further details, specifically for unknown charges and was provided ( live chat ) additional details of {$25.00} ( interest charge ) which does not show up in activity. The only posted charges shown in activity is {$2.00} interest. Of the posted {$87.00} payment, the loan amount was only reduced by {$42.00}. This does not add up. I want my full account number so I can transfer to a bank I trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information that has been reported to my credit report is fraudulent, and I would like it to be immediately removed and blocked from my credit report because it is causing me a lot of health issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice Before Arbitration I have the following ISSUES : I have disputed ( online ) each of the following accounts, stating they DO NOT belong to me. There was no action taken to rectify these inaccuracies being reported on my credit. On XX/XX/XXXX, I then sent in formal letters to Equifax stating not only did the following accounts not belong to me, I provided a copy of my identification as well as a bank statement, AND I requested that each of the accounts being reported on my credit to be verified. I requested transactional history, agreement and original contract, and ledger for each of these accounts listed below. Still to no avail ; these accounts have yet to be removed from my credit report. I have endured significant financial setback, and severe emotional distress due to inaccurate accounts consistently being reported to my credit. According to 15 U.S. Code Section 1681, MY RIGHTS HAVE BEEN REPEATEDLY VIOLATED and my attempts to rectify this matter have been ignored. Even after I have provided substantial evidence showing my identity and address. 

INNACURATE ACCOUNTS BEING REPORTED : XXXX XXXX  ACCOUNT : XXXX BALANCE : {$620.00} DATE : XX/XX/XXXX XXXX XXXX ACCOUNT : XXXX BALANCE : {$2000.00} DATE : XX/XX/XXXX XXXX  ACCOUNT : XXXX BALANCE : {$240.00} DATE : XX/XX/XXXX -IXXXX XXXX XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX XXXX XXXX BALANCE : {$0.00} XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Order to Resolve This Issue Amicably, I AM Requesting PAYMENT and Deletion for each of the above referenced accounts 15 days from the submission of TODAYS DATE : XX/XX/XXXX.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US DEPARTMENT OF EDUCATION # XXXX XXXX ; US DEPARTMENT OF EDUCATION # XXXX XXXX ; US DEPARTMENT OF EDUCATION # XXXX  XXXX ; US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These accounts have violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy. 
15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an 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 of 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

Not my debt, failed to provide wet signature, failed to provide XXXX when I called in XXXX. According to 392. 101 Texas finance code, not licensed to collect debt in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX  bankruptcy discharged Date filed XX/XX/2018 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: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX INQUIRIES 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 - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There is information in relation to my credit reporting inquiries that is incorrect. i provided an identity theft affidavit along with a police report to the company as I did not consent to the inquiries that are on my account. I asked the company to immediately remove the following accounts and they have failed to do so. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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

I have received numerous inquiries from Capital one and I did not authorize them. In addition, Capital one recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. Capital One sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding this matter.
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account Number XXXX XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX XXXX XXXX : Account XXXX Account Name XXXX UNKNOWN : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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.