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

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I received a letter dated XXXX, XXXX, XXXX denying credit from XXXX XXXX XXXX Within the letter is listed the below contact information. It directs me to follow up with the consumer agency for any questions. The letter contains these XXXX sequences of alpha/numeric ID ; s in the top right under the date. The first is : XXXX the second is : XXXX. 
On XX/XX/XXXX at XXXX MST I called the XXXX number found below to obtain my report and inquire why my score was so low, as well as about the rejection of credit. ***IT SHOULD BE NOTED, when you dial this nunber, if you do not comply with all of the prompts that collect ALL OF MY PRIVATE, PERSONAL, PROTETCED information, including MY FULL XXXX DIGIT SSN, you will not even be able to ring anyone. The system will automatically hang up on you. So, after answering all of the invasive questions and harassment prompts trying to sell me my own credit score, THAT IS ALREADY INCLUDED IN THE LETTER!! only then, will it ring to put you on hold. Then it will ask you to verify MORE INFORMATION. All of this before you even get in line to talk to a person. I'm going to sum up the next part which is really the most crucial, but I've wasted enough of my life on this today. AND THIS XXXX IS SERIOUS SO DON'T BLOW IT OFF. I called a total of XXXX times. Same guy answers. Yes, I'm 100 % positive. Also, PULL THE CALLS. Someone needs to hear this with their own ears. Calls are outgoing from my phone on XX/XX/XXXX MST @ XXXX, XXXX, XXXX, and XXXX. The last call was XXXX XXXX. AND I NEVER GOT MY CREDIT REPORT! The guy didn't even acknowledge he could verify or knew who I was. You can CLEARLY hear me throughout the calls explaining to him that is illegal and FRAUDULENT to write my name and number on a piece of paper and so was asking me for any personal information that's NOT even included or related to my file and tell me he can not help me, transfer, or do anything at all if I do not ALSO provide more info even though my ADDRESS, ZIP, CITY, STATE, FIRST NAME, LAST NAME, FULL SSN, DOB, were voice verified through the prompts and RECORDED!!!! Telling me he can not even see my account and he would do nothing without MORE info. He sat on the phone for XXXX calls silently until hanging up after I pointed out he would be caught because his call metrics will show he was on a call for an oddly long time and NEVER DID anything, and I would report that. I also told him I am filing legal charges if I can for misusung my personal info, harassing me, threatening me with his gatekeeper position of my credit and writing my name and phone down on a paper. This person needs to BE FIRED!!! and CHARGED!!! 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX . Account Number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXXXXXX XXXX
Product: Mortgage

PNC Bank held a foreclosure auction on XXXX XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX over a total balance due of approx $ XXXX with approximately $ XXXX past due. This relates to a home equity loan that my late mother took out in XX/XX/XXXX for {$89000.00}. That principal was all repaid years ago with maybe double that amount in interest. But that is neither here nor there. The fact that the much of the past due balance was incurred during a global pandemic where the entire country was shut down for two years is also neither here nor there. What may be here or there is that I didn't find out about the auction until over a week after the fact. I also didn't out about it from PNC ( who to this very day has yet to inform me of the auction ) but I learned about via the winning bidder. Who, BTW, has been extremely empathetic to my situation and is more than happy to walk away from her bid if PNC complies. If I knew about the auction ahead of time, The Mass Homeowners Assistance Fund ( who I have subsequently contacted and who I am now seeking a grant for up to $ XXXX re this matter ) informed me PNC would have stopped the auction from taking place based upon an agreement they have in place with them. I didn't find out about the auction because PNC either ignored or denied a request to have correspondence also sent to my cousin/executor. That request was made years ago ( XXXX  I believe ) because of my mental health issues but also because the address they send mail to isn't checked regularly and is a just mailbox near the sidewalk that can easily have its contents stolen. PNC also or ignored or denied my Financial Hardship Application filed last summer that I understood would postpone collection activities for 1 year. I have filed complaints with the MA Attorney General and MA Division of Banks who referred me here as PNC doesn't fall under their jurisdiction. I have also been referred by the HAF to XXXX XXXX XXXX XXXX XXXX organization which I intend to utilize as well. As all they're interested in is their blood money, hopefully one of these groups might compel them to do the ethical thing and wait for the HAF grant to be approved. Or, if that doesn't work out, give me the opportunity to sell off the first floor unit as a condo. Their lien isn't going anywhere and they will get their money without stealing a home that has been in my family for over half a century. Thanks for your time and help! It has been desperately needed and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.
Product: Mortgage

I have an FHA mortgage that is currently being serviced by Pennymac. Both my ex husband and myself are on the mortgage. When we were in the process of getting divorced in late 2018, I was told that I could assume the mortgage to have his name removed, and that the process would only take about six months. After our divorce was finalized in XXXX XXXX XXXX, I submitted all of the paperwork and documentation that was requested and paid the processing fee, but did not receive any response. I was given no direct line of communication so had no way of following up besides going through regular customer service. After several months, I was able to press operators hard enough to actually get contact information for their assumptions department. I made countless attempts to request information on the status of my assumption, but was only told that it was " in process ''. 

Fast forward to XXXX, I made more attempts to get an answer, and at that time was able to get a new contact in their assumptions department. This person placated me with more " we working on it '', with no actual movement. I backed off during the height of COVID, because I had enough else to worry about. Since then, however, I have tried to contact this person, and finally this spring ( XXXX ) have had some email communication with them. They requested me to re-submit all of the paperwork again ( which I did ). They have even charged me again for the processing fee and have indicated that they have emailed and XXXX XXXX me the final document that needs my and my ex husband 's signature. I have never received the documentation, despite confirming the proper addresses. I don't know what to do at this point because there is no way to find out who their supervisor is to go over their head to complete the assumption process. 

I am starting to suspect that this person 's sole purpose is to get me to give up, or perhaps they are just incompetent. Regardless, I would like to resolve this issue, since it is a stipulation of my divorce that I assume the loan and I've been working to do so for over five years.
Product: Debt collection

I received a call from Rent Recovery Solutions on XX/XX/XXXX regarding a debt from XXXXXXXX XXXX Apartment Complex in XXXX XXXX TX under XXXX Communities. They left a voicemail. 

I contacted them back and requested information which was received on XX/XX/XXXX. This is the entire ledger they gave me : Move Out Check List Charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Community Previous Balance Adjustment There was no breakdowns or anything. XXXX XXXX claimed it was move out cleaning fees and this ledger does not even say that. They still have not supplied the official ledger even after I asked for it last week. 

I received no notification of any debt owed from any company within the ten months of moving out. The debt company stated they received this debt on XX/XX/XXXX ( ten months after move out ) and still have not sent collection letters. 

I have left two calls and two voicemails, one on XX/XX/XXXX and one on XX/XX/XXXX which aren't being returned. During my second call, when in attempt to explain this isn't valid and the ledger wasn't helpful, the representative rudely interrupted me, berated me, told me nothing can be done until the apartment released the debt, and immediately transferred me without me even asking to be transferred to a voicemail. 

This debt by XXXX XXXX XXXX is not valid. The apartment flooded from an upstairs tenant and that's why they're charging me. They have sent no letters, no emails, and no phone calls even though they had my forwarding address. They sent this collection to XXXX XXXX ten months after the fact after a long period of silence. 

When moved out, I received an email stating a ledger of move out fees. The ledger was incomprehensible to me. The balance repeatedly said XXXX, but stated a total of XXXX dollars. It never said I owed anything not had any identification on said ledger ( no name, apartment, or something tying to me ). 

I sent an email to XXXX XXXX on XX/XX/XXXX asking if I owed anything which they did not answer. I called them and left a message which they did not respond to. 

This is an unfair practice. I have necessary documentation to prove I attempted to resolve the debt and heard nothing until ten months later from either company.
Product: Credit reporting 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 amended : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}
Product: Debt collection

There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing.
Product: Money transfer, virtual currency, or money service

Hello, I recently was a victim of a chargeback fraud and have received little help from Paypal so far. I have asked multiple times for managers to review my case with no success. I only receive generic responses that are continuously copy and pasted back. I would like someone to review the case. 

I was sent money through friends and family option on Paypal on XX/XX/2018. There were initially 12 transactions total. There were never any goods or services provided. The other person initiated cases within Paypal stating the initial 12 cases were unauthorized. I provided evidence that they were indeed authorized and they meant to send the money with screenshots matching up with the transactions. Paypal ruled in my favor in all of the cases. Roughly 2 weeks later the user repoened the cases again, but with their bank and again stated they were unauthorized. Their bank ultimately came back and ruled in their favor without asking for evidence from myself or even contacting me. 

There were 7 total transactions that were funded with their bank and were allowed to use chargeback on within Paypal. There was evidence submitted to Paypal when they initially ended the cases in my favor showing proof the other person sent the odd and often similar amounts on purpose. They were not accidental. 

Paypal charged my account {$20.00} per chargeback ( 7 total for {$140.00} combined ) and also charged me when the second set of cases were opened a sales fee which they charge for goods transactions. I have repeatedly asked for answers from their support team with no success. They only charge a fee for goods sold transactions which we did not use. These were simply a transfer of money through their friends and family option. 


So in a quick review, I was sent money through Paypal friends and family option with no fees included since there were no goods or services provided. Paypal ended all cases in my favor after receiving the evidence I provided. The other person reopened the cases with their bank and Paypal charged me {$20.00} per chargeback and also added a transaction fee of their own as if goods or services were provided in the transaction. I was the victim of chargeback fraud and even though Paypal sided in my favor on all of the 12 initial cases, they charged me with fees totaling over {$140.00}, took away all the money from those transactions and also will not allow me to take out money from legitimate sales on XXXX where I paid my seller fees accordingly. They are allowing fraud to happen on their site and then charging the people taken advantage of the fees involved. 

Thank you for your time and help, XXXX
Product: Credit reporting

The Equifax company has information that my accounts were included in a bankruptcy, but they refuse to take it off or have the creditors put that information in. Also, Equifax keep hanging up on me and wont listen to what I have to say.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

XXXX. XXXX XXXX. XXXX XXXX. Transunion Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

The company that complaint is being filed against is Santandar Consumer USA which financed my XXXX XXXX XXXX. Due to challenged credit spouse prior bankruptcy this was the only company we could be approved for Car was purchased in XXXX XXXX I put down XXXX My first payment was due XX/XX/XXXX and for the entire year of XXXX XXXX payment was on time paid through XXXX XXXX XXXX XXXX  and was paid before the due date.Loan was also current in XXXX except for one missed payment in XX/XX/XXXX.I became unemployed XXXX XXXX due to a reduction in force my position was eliminated. I did contact Santandar by mail to let them know.I was still making payment every month one month my check was returned so the next month I made 2 payment. My unemployment ended XX/XX/XXXX, XXXXOnce again I was emailing faxing and mailing letters to Santandar but never received a response. Have not been receiving statements since last year. My last 2 payments were made on XX/XX/XXXX by check and XXXX XXXX payment. I did confirm with my bank that check did clear my account. On XX/XX/XXXX my car was repossessed at a shopping mall. Was never sent any correspondence When I finally tracked down the company where my car was located I was told they were closed for the day at XXXX I was also told I needed a personal property release form faxed to the recovery company to pick up my vehicle .When I contacted the recovery company on Fri XX/XX/XXXX I was told I needed to set up an appointment and that the first available appointment was not until Monday because they dont take same day appointment. When I spoke to Santandar on Thur and asked why nobody had contacted me they said I was on a cease and desist list and I requested not to ne contacted? Well that also means they cant send me Any letters. I told them I made no such request only for them not to contact my Brother in law. They quickly apologized and took me off the cease and assist. I recently disputed a item that Santandar reported to XXXX XXXX that my account was not current. I just received the update when my 2 payment were posted and my account status was updated to current When I went to retrieve my car and belongings on Mon XX/XX/XXXX I was told that Santandar would not release my vehicle. Was told by a supervisor that my account balance was charged off on XX/XX/XXXX and the only way to get my vehicle back was that I had to pay the entire, loan balance off or get it refinanced?? And that Santandar does not refinance there own loand
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

Experian, XXXX, and XXXX are violating my rights and breaking federal law!