23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost {$1000.00} in.earnest money and {$540.00} in appraisal fees due to a mortgage companies careless and incompetent handling of my loan file. The loan officer was poor at following up did not make himself available and asked for the same information on a repeated basis as though he had no idea l had sent certain documents multiple times. Due to this comedy of errors the seller elected to opt out of the deal as it had exceeded it 's closing date and subsequent extended closing date because l had not secure financing. All credit checks and preapproval were completed and l was given the ok by the mortgage company to enter into a contract obviously, it was just the inability of the loan agent to close the deal that cost me my hard earned money and a home
Product: Money transfer, virtual currency, or money service

issues with PayPal and one XXXX XXXX. A little background is in order to help you understand the situation. In a long distance relationship with XXXX who is overseas. Money sent to PayPal which I then transferred to my bank account. When it cleared, that was sent to XXXX via XXXX. 

The money was to help her get home and cover hospital bills. XXXX added comments that it was for goods and training. Not the case, which he knew. After a month lodged a complaint demanding refund. The amount, and case # attached. 

XX/XX/2021 {$3000.00} # XXXX {$840.00} # XXXX {$250.00} # XXXX {$250.00} # XXXX {$160.00} # XXXX PayPal ruling in favored of XXXX. Issuing refunds. Why do I think it's a scam or fraud? He misrepresented the transactions. The email he provided PayPal, XXXX, does not exist.
Product: Credit reporting or other personal consumer reports

I have a inquiry from XXXX XXXX on my Equifax report that I did not apply for
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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Checking or savings account

This issue is still ongoing with my account. Wells Fargo isnt doing anything to correct or rectify the issue. Wells Fargo keeps asking for information to delay the process of finding a resolve. Then once I provide them with what they ask for, they still end up denying my claim. Ive sent proof of returns, an itemized breakdown of what I returned. Proof of the stores acknowledgment of the returns. Provided tracking information, proof of where the merchandise was sent to ( which was XXXXXXXX XXXX  ). 
There is nothing else I can provide to this company ( Wells Fargo ) to show that they are charging me for items I do not have. 
On XX/XX/XXXX they will draft another {$370.00} out of my account. They are saying I need to reach out to the merchant ( XXXX ) which Ive done already. XXXX is unwilling to cooperate unless I drop the claim against them. Ive been advised through XXXX not to drop the claim against them, because it will leave my account outside of the XXXX day window to refund. 
This means if I drop the complaint XXXX will no longer be held liable to send the refunds back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. 

Please check.
Product: Debt collection

Debtsy, Inc is a collection agency operating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and is a " debt collector '' as that term is defined. by 15 USC 1692a ( 6 ). Debtsy intentionally and or negligently caused emotional harm to me by engaging in highly offensive conduct in the course of collecting this alleged debt, thereby invading and intruding upon my right to privacy. I have a reasonable expectation privacy in solitude, seclusion, private concerns or affairs. The conduct of Debtsy Inc., engaging in the above-described illegal collection conduct against me, resulted in an intrusion and invasion of privacy by me which occurred in that position. As a result of such intrusion and invasion of privacy, abusive practices, Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

Regarding Account XXXX I hereby notify Debtsy that I XXXX XXXX ( consumer ) refuse to pay this allege debt and wish that you CEASE further communication with me ( consumer ). Cease and desist from all form of communication including all mediums, calls, private information, fowarding my private information to any third party and cease from maintaining any and all of my personal private information on record with you. This request is pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1692g this debt is disputed and I request the name and address of the original creditor. 

Pay the invoice included with the complaint and exhibits have been provided. You hereby have 10 days to comply with mailing a check to XXXX XXXX XXXX XXXX, CA XXXX. If you fail to comply with the laws set forth by Congress under the Federal Debt Collection Practice Act I will pursue this Matter in Federal Court.
Product: Debt collection

Collection company who stated that did not own debt but was trying to collect on it. sent certified letters to hospital and collection company to validate. hospital did not respond and collection company said I was not entitled to this information. Collection company sent computer generated forms. During my process of trying to get validation collection company after being notified continued to attempt to collect and reported adverse information to credit agencies damaging my credit history.
Product: Payday loan

Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need. 

Thank you
Product: Credit card

I XXXX XXXX make payment to XXXX XXXX XXXX on XXXX XXXX, the XXXX XXXX didnt complete transaction do to closing my account and reporting XXXX  days late by explaining that the bank didn t honored payment do to insufficiency XXXX XXXX XXXX XXXX XXXX XXXX, by mail email or phone call didnt wait for grace period XXXX and did reported to XXXX Late for XXXX  days winch is not thru i did send payemnt online and it went thru .in there end they are closed my account and didnt XXXX to bother to contact me but reported XXXX days late, i would like to investigate and remove this entry to XXXX report Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.
Product: Credit reporting

I moved to XXXX From XXXX in XXXX 2015. 
Since then, XXXX Bank has been my only credit card provider in XXXX. 
I have outstanding XXXX history and I have been building XXXX credit since I moved out here. Equifax is refusing to update my Social Security Identification. 
They are claiming that it is a work only number and thus they will not add it to record. 
This mentality has led to me being rejected for over XXXX credit applications, loss of credit score and loss of time/opportunity to build credit. 
To my knowledge the other big credit bureaus have up to date records of my personal information. I have spent well over 6+ total hours engaging Equifax and doing what they demand to update my information. I have even had my bank get involved and call them, email them, fax them. 

This is complete nonsense and extremely frustrating. I expect my U.S Social ID number to be added to my personal records. This is the only us Social ID number I have and thus it belongs on my records. They have kept it blank even though my bank has instructed and confirmed my status, and other credit bureaus have had no issue making sure my records are up to date. 

Equifax has knowingly and intentionally withheld accurate information from my personal record which has led to several consequences for me. 
-Loss of Credit Score -Several Credit rejection precedence -Loss of rewards opportunities ie. Loyalty savings -Loss of credit building time I have done everything they have asked. I 've verified all my info, emailed faxed, called, involved my bank. They walk me in circles and do not give me answers or help me. They have told me several times they would update my records and then other times told me they will not. I am sick of this. It is my personal information. It is my right to ensure there is no discrepancy that will hurt my ability to build credit. Its hard enough starting from scratch in a new country when I have perfect XXXX credit history being ignored. Without this change it is impossible for me to get additional credit and build the necessary history for a mortgage, credit, scores. 

This MUST be brought to justice and rectified. I have fought too long for such a simple concept. 
I 've confirmed & done everything they have asked. I asked for one thing. They have not done what they told me they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX  and Im so distaught my family is to I need help please I need the XXXX late removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX ( Auto ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/2021XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at or used address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address was added by XXXX XXXX  because of fraudulent account XXXX that has since been removed from my credit files. A XXXX Police Report XXXX by XXXX XXXX XXXX about this fraudulent account was approved XXXX XXXX, 2017. This address should not be reflected on my credit files as I have never used or lived at XXXX XXXX XXXX XXXX. XXXX XXXX has submitted documents to Equifax to have fraudulent account removed and this address is only related to this fraudulent activity. I have requested multiple times through Equifax to have this address removed from my credit file and yet it still appears on my file. The current Equifax case number is XXXX and was submitted again on XXXX XXXX, 2017. Please request that Equifax removed this incorret fraudulent address from my credit file.
Product: Debt collection

On XXXX Cavalry SPV I , LLC contacted me via email attempting to collect a unverified debt that they purchased from XXXX XXXX. Opening an account bearing account number XXXX XXXX XXXX XXXXXX/XX/XXXX with collection amount {$4100.00}. As i dont know or have a contract with Calvary Portfolio Serv or Cavalry SPV I , LLC . This company has violated 15 U.S.C. 1692e by sending confusing and misleading collection notices, including deceptive payment plans that do not clearly state my rights or the amount owed.

Their actions also constitute violations of 15 U.S.C. 1692g, which requires debt collectors to provide clear and accurate information regarding the debt, including the amount owed and the name of the creditor.

Fair Credit Reporting Act ( FCRA ) : Cavalry SPV I , LLC are in violation of 15 U.S.C. 1681s-2 ( b ), as you failed to investigate my dispute regarding the accuracy of the reported debt after I notified you, thereby harming my creditworthiness.

Cavalry SPV I , LLC have also violated 15 U.S.C. 1681i, which mandates that furnishers of information, conduct a reasonable investigation of the disputed information. Cavalry SPV I , LLC reporting of this debt as valid, is unlawful and constitutes negligent reporting under the FCRA.

Furthermore, Cavalry SPV I, LLCare liable under 15 U.S.C. 1681n for willfully noncompliance with the FCRA, which provides consumers with the right to sue for damages, including punitive damages for knowing violations.

Illinois Consumer Fraud and Deceptive Business Practices Act : Cavalry SPV I , LLC practices violate the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/1 ) by engaging in misleading conduct and false representations regarding the debt in question.

Cavalry SPV I , LLC actions are deceptive and intended to mislead me into paying a debt that may not be valid.

Unauthorized Transfer of Personal Information : Cavalry SPV I , LLC actions in obtaining and utilizing my personal information without my consent constitute a violation of my privacy rights and are further compounded by the Privacy Act of 1974, which safeguards against unauthorized disclosures of personal data.

Trade Restraints : Furthermore, your conduct constitutes a violation of 15 U.S.C. 1 related to illegal trade restraints, as your misleading collection practices can potentially create unfair competition in the marketplace.
Product: Credit card or prepaid card

My credit limit was dropped way down when my identity theft redulted in a fraudulent account appearing on credit report. 
All 3 credit reporting agencies have removed that from my report at the request of the XXXXXXXX XXXX who issued the fraudulent card. 
The Mastercard will not increade my credit limit even now. I called a few days ago. 
How long does it take them get credit report. My limit was dropped to {$250.00}. 
The company keeps telling me I need to use card more often but with limit that low I can not. 
I always pay my bills in full and have a credit score now in excellent range.
Product: Credit card

This is showing negative on my credit, and it should not be. Account paid on time, and it has been paid in full. Also, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15UC1681 section 602 that states I have the right to privacy ; 15UC1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose. Can you please have this negative reporting removed from all 3 credit bureaus. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX, equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act. These creditors Have violated my rights. 
Indigo- XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

Under 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these INQUIRES 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 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 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 However, they stated everything was complete and accurate. But how is that possible if non of these inquires were authorized, THIS AMOUNT OF INQUIRIES IS REDICULES and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- XX/XX/2020. XXXX  and XXXX XXXX XXXX XXXX both companies run by XXXX Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, Equifax, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they Jewelers keeps reporting it as not paid. XXXX, equifax, and XXXX  wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.