23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This same debt has been placed on my credit since 2013, this is incorrect and needs to be removed as it is preventing me from buying a home.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer. 

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Product: Checking or savings account

On XXXX XX/XX/2023 I tried to use my debit card to do a purchase, only to find out that My bank of America account was closed, without notice. 
Without any explanation. After that I tried using my business debit card I was told that the was not authorized. So basically on a Friday at XXXX XXXX XXXX  I could buy grocery or gas nothing I was left with no money the bank locked me out of my bank account no access to my money. 
Then called the bank and 3 hours later after asking to speak to a manager I was told that all of my bank accounts will be close because of a banking business decision. 
I then went in to the bank on XX/XX/2023, I was then told that I would not have access to my money until the send me a check in XXXX. 
I pleaded with them to release mu funds so I can leave the refused. 
I need to pay my bills I am not able to do anything without money my business account no access. I could not conduct any transitions. to make an income. This is very disturbing. 
That a bank can hold on to my funds and put me in a very bad situation. I could function for days without money. I am single XXXX women with other way to make an income but to work for it. 
Please you help me to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The fair Credit Reporting Act. The list of Accounts Below HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Formal Request for Account Information and Compliance with the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX Customer Service Team , I am writing regarding my account, which begins with the number XXXX. I have a contract with XXXX XXXX, a debt relief company, to assist in negotiating and resolving this debt. XXXX XXXX has made several attempts to contact your office on my behalf, but they were informed that the account has been transferred to Elan Financial Services. 

As a consumer, I am entitled to clear communication regarding any changes in account servicing or management. As of this letter, I have not received any notification from XXXX XXXXXXXX XXXX XXXXXXXX this transfer, nor have I been provided with new contact details or account information with Elan Financial Services . 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am formally requesting that you provide me with the following : Confirmation of the transfer of my account to Elan Financial Services, including the date of the transfer. 
Any updated account number associated with Elan Financial Services.

Contact information for Elan Financial Services, including any representative assigned to handle my account, to facilitate my and XXXX XXXX communication with them. 
Under the FCRA, creditors are required to provide accurate and complete information to consumers regarding account status, servicing changes, and any associated transfers. Failing to inform a consumer of such changes could be considered a violation of these rights. 

Please provide the requested information within 14 days of receiving this letter. This will allow me to take the necessary steps to resolve the debt as responsibly as possible. I look forward to your prompt response and cooperation in this matter.
Product: Credit card or prepaid card

Wallet was stolen in XXXX XXXX, FL a report was made in 2010. And now I have a debt to Capitol One
Product: Debt collection

Never missed a payment for conns purchased new bed as an add on Was told at conns to tell them if they called payment would be due in XXXX and they keep calling up to 10 times a day!!!! I have screenshot of them calling back to back even after I told them to stop calling
Product: Credit card or prepaid card

I tried to make a payment on my special financing purchases and they denied my payment. They sent me back to PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted transunion credit bureau and spoke to 3 different non English speaking hard to understand employee who refuses to look it to 7 hard inquiries that where not mine. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX  XXXX  XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX  XXXX XXXX ( 5 ) XXXX   XXXX ( 6 ) XXXX XXXX XXXX and ( 7 ) XXXX  XXXX XXXX and they refused to remove the hard inquiries and stated it only affects my score a little.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft & Fraud, that was never blocked, on my account. Duplication Accounts, Inaccurate Accounts. Account Information Incorrect, on loans balance, payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I attended XXXX XXXX University of XXXX of last year and couldnt pay the end of that semester of {$4000.00} because I got really sick and missed many days of school which made me fall behind my classes and I was nearly failing 2-3 classes toward the end of the semester. I let my counselor know of my situation and he dropped me from the school. Months later the school notified me of my pending balance but I let them know my situation and that I couldnt pay it and they told me that this would be disputed. I got no calls for the past couple of months or any letters saying I still owed anything until today XX/XX/XXXX that I guess this was sent to collections.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 


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

I am filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

I had a PayPal debit card. I didnt have a bank account at the time. So I had my first stimulus check deposited ( XXXX ) on there and everything was fine. I used my card, withdrew money etc. Well months later I file for unemployment and get a significant return. So I send a friend of mine XXXX or so because I want to help him out. Well I then get an email saying PayPal is going to have to part ways and theyre going to hold my money for 6 months or more. Then I talk to my friend and he said they did the same thing to him!! Keep in mind neither of us have used XXXX  or anything. Theres no one to refund or anything. So long story short Im trying to get my money back. We needed it desperately. We will never use PayPal again we promise!! I have screenshots of all the transactions and more!! I dont understand why they closed the accounts and they never gave an explanation. In fact, most of the responses are automatically generated. Also when you try and call and they say theyre transferring you to a rep but it immediately hangs up. You cant get in touch with anyone. Ive been trying for months. I googled this issue and theres tons of horror stories like mine. Its awful. Thank you. 

Also I contacted Ga Dept of Labor and they sent me whats called a XXXX card so my payments are now going to that praise god, however theres over XXXX just sitting in PayPal. Screenshots are attached!! 

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

XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through Experian. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
Product: Mortgage

XXXX Starting on Friday, I caught XXXX brazenly putting out unethical marketing practices to try to gain business ; I was trying to understand their message and almost got tricked ..... I would put ALL the money in the world ; they have done this many times over the years .....
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. Experian and XXXX  both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, Experian refuses to allow me to dispute it online again.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/XXXX. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XXXX and XX/XX/2018. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.
Product: Credit reporting or other personal consumer reports

For almost two. months I having been requesting XXXX and Equifax delete an inaccurate information on my credit report. I never lived nor had any association with that address. I am being told it can't be deleted because it was reported and verified by XXXX XXXX. That information is inaccurate since I never live nor provided that address to XXXX XXXX. I believed XXXX XXXX found someone with the same name and is using that address. 

XXXX XXXX is sending emails and letters to my update my address, because the mails are not being delivered. Of course not because I don't live and never did live there, why would I update my address to where I never lived. But yet, The credits Bureaus are claiming the information as been verified and is correct. The same way the credit bureaus are asking me to provide documentation, why don't they ask the creditors like XXXX XXXX to provide documentation for information prior to putting the INACCURATE information a consumers report.
Product: Credit reporting

I originally filed a complaint that tax lien XXXX was being reported on my credit report even though the State of Alabama withdrew the lien. Equifax did in fact remove the lien and I assumed this would not longer show up on my credit report. 
Recently I was denied a loan because of a tax lien on my credit report. When I viewed my credit report, lo and behold there it was. Tax lien number XXXX. 
Both the lender and I spoke with the Probate Judge and inquired about the lien. She told us that XXXX is referencing a XXXX as paid. She said she did n't understand why Equifax is reporting this. She said XXXX was withdrawn therefore Equifax should not be referencing this. The Probate Judge has never seen this before and the letter, which I have attached, clearly states the State of Alabama has withdrawn the tax lien. 
XXXX should be removed and follow the order of the state.
Product: Mortgage

Please be advised SunTrust received a full short sale package along with a short sale offer.  The appraisal was completed shortly after the driveway was repaved to the street and the pipes to the water being lead to the street were repaired.  The builder of the home never added a pipe to the street when purchased the home no water and flooding occurred which no money was able to repair or to even go against the builder.  This home had water damages it was extremely costly to get these repairs and resolve the problem with the Builder.  SunTrust appraiser came in at XXXX0 my payoff is at XXXX and they closed our review of Short Sale and told the listing agent to list for a full payoff to Sun Trust. We listed the property on XXXX to market for that type of offer.  Then Sun Trust right after set a sale date for XX/XX/20.  I contacted FHA and a Housing Counselor to assist us with Sun Trust to allow 180 days to market for their request. Sun Trust them had their Plaintiff Attorney send me a Deed In Lieu right after stating the home should be sold for Equity?  They want the Equity Sale that is why they set the sale date. Not fair to me at all this is my home I occupy this home and I have listened to change the offer to pay them off. I had a short sale offer on the property and sent all my docs? I need a fair response from the lender. 180 days is fair to market this home on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint by myself, for myself, this is not being done by a third party, nor is this a duplicate. My information was misused and now i have false accounts that Equifax is not reporting with 100 % accuracy on my consumer report.
Product: Mortgage

I have made every payment on time for 30 years, never missed a payment!!! 
Every year the servicer reviews escrow. Any shortage I pay in full. When the current servicer, Mr Cooper, took over the mortgage servicing I did the exact same thing when they offered me the opportunity to pay in full or over time in XX/XX/2019. I paid {$1700.00} for an escrow shortfall along with my regular payment. This is where they started the problem. For some unknown reason they misapplied the funds and started billing me for the difference, holding up funds, charging fees and penalties. I continued to make my monthly payments according to the monthly statements sent to me. The following year was another escrow accounting and my monthly payment lowered. As I had for 29 years and according to their statement, I started my new payment on XX/XX/XXXX. 
Since XX/XX/2019 Mr Cooper has played by their own rules of applying funds and penalties on a regular basis. I have communicated with them in writing almost every month asking for corrections as I neared payoff of this loan, 30 years this year. On XX/XX/2019 I spoke with XXXX ext. # XXXX who stated it was their mistake and they would correct it. On XX/XX/2019 a written notice was sent priority mail again asking for correction. ( receipt available ). On XX/XX/2019 I spoke with a XXXX XXXX XXXX who said again they would straighten the account out. In the mean time nothing changed ( and still nothing has changed ). Mr Cooper continued to misapply funds in an unapplied funds account there by counting payments late even though every payment has been made at the amount stipulated on the new statement account at the beginning of each year. I continued to make the payments and the loan should be paid off in full. 

AND, are you ready for this, my last payment due on this loan was returned in stead of paying off the loan. The check that was sent to me from Mr Cooper labeled my XXXX payment as a payoff shortfall and refunded it to me in full. Now they are trying to foreclose because they returned the last payment. 

I do not have the ability to scan or upload documents. BUT every item in this complaint has a matching document to support what I have written.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a pay as you go Sezzle account, its just like XXXX  No different. They are now somehow reporting on my XXXX credit report. I did NOT agree to have a pay as you go company report to my credit. They do not check your credit upon sign up, XXXX doesnt. They do not charge you interest. Nothing about them is like having a credit card etc. I have never ever given them my banking info, they say if you sign up for Sezzle up it requires a bank account? I do not have any bank account within my Sezzle. I do not and will not have a pay as you go pay in 4 type of situation on my credit report or credit monitoring. This is UNFAIR. XXXX does not report to the credit bureaus, it would be ridiculous if they did. They arent giving me a line of credit Im buying this stuff with my OWN money. There is NO interest and a payment is made every 2 weeks. Regardless. I do NOT give them any permission to report to the credit bureaus on my behalf and I want it removed immediatelyXXXX XXXX  doesnt even report to credit bureaus unless you use their financing options. Sezzle has financing options and I have NEVER used them. I use the pay in 4 every 2 weeks. I refuse to have this on my report.. they are ruining my credit using and reporting incorrectly since I DO NOT EVER AND WILL NOT EVER GIVE THEM PERMISSION TO. I will fight this til the end. I have many credit cards all paid on time every month usually always in full. I do not give Sezzle any permissions to report my usage with them.