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

Syncb/Walmart  XX/XX/XXXX opened-XX/XX/XXXX closed XXXX $ I have called numerous times and reported that this is not my account and has been opened by someone else and nothing has happened.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED : # XXXX, XXXXA/DEPT OF ED : # XXXX XXXX XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # 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, has violated my rights. 

I looked at my XXXX, XXXX and TRANSUNION credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. 
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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XXXX Bank Name : XXXXXXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX. 
Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  credit report showed XXXX mohela student loan accounts reported while I only had XXXX loans. XXXX of those accounts have the full balance in them XXXX subsidized XXXX unsubsidized while the other XXXX had the prior half balances that were also totaled into the full accounts. I disputed this multiple times and after several attempts of stating they were balances included in the full reported accounts they removed only XXXX of the XXXX incorrect accounts. They are reporting several XXXX dollars in false loan information by doing so. Mohela states it's not them and it's XXXX  and the mohela site only shows the {$8700.00} student aid balance in federal loans but XXXX  continues to show {$11000.00} in mohela loans. As I disputed this multiple times and XXXX  continues to show false balances and extra accounts while mohela responded with they are accurate or the correct information and balances would of been fixed I am filing this report.
Product: Mortgage

We have PHH Mortgage Company. We lost our home to the camp fire on XX/XX/XXXX. Our insurance company sent us a check in our name and the mortgage companies name. We signed it and sent it in to PHH Mortgage company in XX/XX/XXXX. We continued to make payments throughXX/XX/XXXX. In XX/XX/XXXX we asked PHH Mortgage to take those funds and pay off the mortgage. The insurance company based rhe payment amount on the payoff statement PHH Mortgage company sent to us. I was told by PHH Mortgage company that the process was going to be started. In late XXXX I was called by PHH Mortgage inquiring about our mortgage payment. It was then that I found out they didn't pay off the loan. I was told that I was going to get a payoff statement. In early XXXX I was called again about missing mortgage payments. It was then that the process of signing an affidavit and sending it in was going to get the mortgage paid off. I was told that it was sent to me. I found it in the back of the last payoff statement. I signed it only to find on the next page sent it in.I needed to hsve it notarized. I called and had another affidavit sent to me. We had it notarized and sent it in. We were called again in XXXX for not paying our mortgage payment. It was then that I was told that the previous affidavit expired. I was sent yet another affidavit and we had it notarized again. This is XXXX. I had confirmation that it was received from the PHH Mortgage insurance department and that we needed to pay off the additional amount before the mortgage would be paid off. As I waited for yet the third affidavit I spoke to the PHH Mortgage insurance department who told me that the payoff amounts on the affidavits were wrong and that we didn't owe more than the insurance check that was sent in and placed in an escrow account back in XXXX. In fact the check was more than the payoff so we were sent the difference, a check for over 3k. I have spoke with PHH Mortgage Company several times who states that we need to sign another affidavit for the current payoff amount. We have been asking to speak with managers only to be told they are not available and will be called 24 to 48 hours. We spoje with a supervisor today who spoje in circles and did not honor our requests and told us that they only follow their current processes. HELP!!! Now they have threatened foreclosure on a house that no longer exists and have damaged our credit.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX, 5-6 times with both Bureaus, TransUnion, XXXX. I settled the Debt on XX/XX/year>, I've called/ uploaded a Goodwill deletion letter, explaining the reason I couldn't make the payments is because I lost my job During COVID-19 CRISIS, CFPB I fill that both of these bureaus are holding this account over my head so that I can't obtain a mortgage loan. That is very unprofessional I will continue to take all necessary actions until this account is removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/21 I had approx 200 transactions of small amounts back to back which amounted to almost {$1800.00}. Since I was at work I did not see the notifications until my account had been cleaned out. I immediately canceled my card and contacted customer care. First of all, customer service for the company Cash app is only online. You can not actually speak to anyone. When you do speak to the reps they have cut and paste responses and give little to no help. Once I was finally able to get through to someone I was assured my claim was escalated and it would take 10 business days for them to accept the claim and then up to 45 calendar days to receive a resolution. Through out the course of this time they do not reach out or provide any type of communication and each time I reached out I received the same generic response that they do not have an update and I will receive an email once they did. We are now past those quoted dates and I still have not been given any type of response. Im beyond frustrated with the lack of communication and care this financial institution has for its customers. The fraudulent transactions were obviously fraud, and when you look at their website they claim to have security measures in place. This company needs to work on their customer service, they need physical phone lines available for those who have experienced fraud and they need security measures in place that wont let 200 fraudulent, suspicious charges take place on your account in less then an hours time.
Product: Credit reporting or other personal consumer reports

XXXX Privacy Act of XXXX XXXX  5 U.S. Code 552a ) The Privacy Act of XXXX as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Product: Credit card or prepaid card

Bank of America closed down all of my credit card accounts due to the reason of unusual authorized user activity. After some due diligence and follow up, I found out from a representative that a duplicate request for an already existing authorized user was submitted, triggering this unusual alert. However, this request was not submitted nor granted by me. According to the representative, this request was submitted internally by Bank of America without my request nor approval, by mistake. 

After finding this out, I figured this was just an internal system error and should be an easy fix where some details pertaining to my account would need to be verified then confirmed for everything to be good to go. Actually, I was told this would be the case by the representative, but he mentioned how he had to transfer me to a different department for this to be done. After the transfer to the other department was made, this second representative told me something completely different and how the account was closed and how it was unable to be re-opened. I explained what the previous, more humble, representative had informed me about and he dismissed my explanation as if it had absolutely no relevance. 

I asked to be transferred to his supervisor or manager because I could not tolerate the exhausting arrogance but, unfortunately, their department was closed for the day. I got the hours and called immediately the next following day and had a kind lady named XXXX confirm the initial, humble, representative 's explanation. She attempted to correct and revive or appeal my accounts ' status back to normal but mentioned how she kept running into a system error which was not allowing her to do so. She was kind enough to understand my frustration and advised I document everything to the Consumer Financial Protection Bureau just exactly as I told her, precisely how I wrote here, and mention how the closure of the account was done in a wrongful manner so that appropriate upper management action could correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA everything needs to be a 100 % accurate and I have the right to request the credit Bureaus for verification of accuracy Experian for the 3rd stated that this account meets FCRA requirements I am not sure how or why when its in accurate reporting I have submitted a request 3 times from Experian requesting for the account to be verified for accuracy and Experian has denied my request I am not sure how an account can be verified in two days Experian is ignoring my request
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.
Product: Money transfer, virtual currency, or money service

Sometime in XXXX of 2022, we were shopping around for some cattle out of state. One farmer contacted us saying they have what we are looking for and quoted us an amount of around {$800.00}. The seller showed us videos of the cattle. They then told us they needed a down payment to hold the cattle and to send it through the XXXX app. So we send round {$400.00} and then drove 5 hours to meet this seller. When we arrived, the seller texted my husbands phone stating Im not real dude, have a nice day. Filed a fraud complaint through our bank, they temporary put the funds back in the account. A month went by and we saw a negative balance of the amount that the bank put temporarily put back into our accounts. They told us they are not liable for this transaction because we authorized it. The company XXXX wont give us our money back because we authorizedit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I had a XXXX charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm Gurstel Law Firm P.C. formerly known as Gurstel Chargo P.A. filed and garnished my paycheck. Case XXXX Gurstel file number XXXX   filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from XXXX with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. Gurstel law firm is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
Product: Checking or savings account

on XX/XX/XXXX I was scammed out of {$500.00} from a buyer on XXXX XXXX! he was suppose to be purchasing a washer and dryer from my XXXX  daughter who has XXXX kids and was getting evicted! so i was trying to help her out this guy XXXX XXXX offered to purchase the set for the asking price of {$900.00} he supposedly XXXX  the money and XXXX contacted me and said in order to get the funds he sent i had to send {$500.00} because my account wasn't a business account once sent then i could withdraw {$1400.00}! my daughter was desperate im thinking this was legit, but i was WRONG!!!
Product: Credit card or prepaid card

Capital one bank lied to me. I have filed a dispute against a charged on my credit card from XXXX XXXX hotel. My room in the hotel had bugs in the bed, bathroom, floor and walls. The owner of the hotel does not want to give a full refund. He refunded me % 50, but I would like a full refund. No one will pay to stay with bugs in the bed ( literally ). I have videos and pictures of this incident. I let capital one bank know about my situation and I got a letter from capital one bank on XX/XX/XXXX asking for additional documents in order for my dispute to be accepted. In the letter, capital one bank stated that if I do n't get these additional documents to them by XX/XX/XXXX then my dispute will be closed. First of all, there is not enough time ( from XX/XX/XXXX until XX/XX/XXXX ) for me to get all the documents. Second of all, one document requires a third-party 's opinion about my incident. I have already contacted the third party ( another hotel ) and they have told me that they are not able to provide me with the kind of documentation because it 's against their policy so capital one bank is asking me for a document that it 's not possible for me to get. I called capital one bank and talked to an associate. The associate lied to me and told me that capital one bank does not have the final decision on the dispute, but the final decision comes from XXXX. I called XXXX and they have told me that they do n't make any decisions and it should be the bank. I called capital one bank and I asked an associate to extend the deadline, which is XX/XX/XXXX. She lied to me again and said that it 's in the system and she can not change it. I asked to speak to supervisor -- after waiting 20 minutes on the phone ( literally ) -- the supervisor answers my call and finally agrees to change the deadline to XX/XX/XXXX. The supervisor also lied to me and said that they need to submit the required documents to XXXX and that XXXX has the final decision. I called XXXX a second time and they told me again that XXXX doe not give any final decisions on disputes. I need someone with enough power and justice to make capital one bank agreed to my dispute because the real hustler here, it 's the owner of the hotel. I asked capital one bank associates if they would pay to sleep with bugs in the bed- all of them say NOOOOO, then why do n't they want to accept my dispute. I HAVE ENOUGH PROOF. please help me with this case, I am extremely upset that a bank with all its power is trying to manipulate my situation in order for me to pay for something that should n't be.
Product: Bank account or service

Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. 

Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.
Product: Credit reporting

there is XXXX reports that are not mine i was a victim of identity theft. experian did a dispute on the items. and there still on my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears per Equifax 's website, it appears my personal information may have been compromised in the mass leak in regarding to my credit information as well as varying types of personal information including SSN and DOB. I have checked via my last name and last 6 digits of my SSN per their direction which they identified may have been impacted in the hack. In addition, a charge of approximately ~XXXX dollars was made on my credit card account on X/X/17 from Florida for a XXXX XXXX purchase. I do  not reside in Florida. Luckily I informed of the breach from my company and they were able to deny the charge on my account.
Product: Checking or savings account

On Saturday, XX/XX/2021, I went into Navy FCU to deposit a check. It was my initial oversight not recognizing this check was for my business not my person. The Navy staff failed to do his job by double checking everything and deposited the check into my personal account. The check was cleared and funds were made available. On Wednesday, XX/XX/2021, I went into the branch to withdraw funds and was there for 75 minutes because there it was discovered it was a business check. The account was restricted and I was not able to access any funds. This causes me financial distress because I missed a business deal. I am in the pre-planning of filing a lawsuit for damages.
Product: Debt collection

Transworld Systems Inc - XXXX On XX/XX/XXXX, a bill in the amount of {$620.00} was received at my residence from this company, which stated they are representing XXXX XXXX XXXX. This amount is unfamiliar to me, and unknown. Upon speaking with this company, the representative, XXXX XXXX was very pleasant and indicated this debt was owed from XXXX, and she was alarmed at the length of time this account was owed, prior transfer to them, which she indicated was recent. She had no further information to share but promised to " dispute '' the debt and request further information for me. 

I am awaiting such information. 

However, this debt owed, if owed, is 18 years old. I have had an account for a gas utility with the same company since at least XXXX, always paid in full. This notice was received at the address I have been at since XXXX. Why is this debt surfacing now? How will XXXX XXXX prove to me that this is owed? How will I prove to them it has been paid previously? I have no access to bank records 7+ years old. Why was I not notified at the time I enrolled in and activated an account in XXXX? Why have I not received any billing / notice / prior debt collection / letters / phone calls / text messages/ emails? I have an XXXX credit rating. I am not hard to find. At any point XXXX XXXX/ any debt collection agency could have skip-traced / XXXX and found me. 

Is it not unusual that this debt is surfacing at a time of political administration change? Was this debt " charged off '' or archived at any point since XXXX and is now being pursued due to such administration change? What rights do I have after 18 years to dispute this due to challenges I will face obtaining documentation supporting me, as a consumer?
Product: Credit card or prepaid card

Bank of america received a reverse charge from a merchant on my credit card. charge was for {$1400.00} on  XXXX   XXXX   2017 . charge was reversed on  XXXX   XXXX   2017 . I have told this t o 3 d ifferent representative 's on the phone, I sent a registered letter explaining. This and the credit was never applied they continued to charge interest and Fee 's I have no other charges on the card and I want to close the account
Product: Credit reporting or other personal consumer reports

Pay tomorrow is the original creditor and is reporting an open delinquent account, they have turned the account over to XXXX XXXX  who is reported the SAME DEBT. One of these companies need to remove their account from my credit reports for this to be a legal collection action.