23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was giving XXXX XXXX {$200.00} every month and they fix the problem and now everythings coming back to set me an a corner trap is like the Law firms scamming where I do when it comes to me getting a job
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law.

I am writing to formally dispute information/accounts on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1682 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Experian is required to cconduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15U.S.C 1681i ( a ) ( 5 ), any information found to be accurate, incomplete or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts listed below Affirm ( ALL 4 Accounts were disputed and results said ( verified ) but, the Inquiries were deleted ( DELETE IT ALL ) XXXX. XXXX XXXX - XX/XX/year> ( XXXX ) XXXX ( XXXX ) - DELETE ACCOUNT XXXX. XXXX XXXX XXXX - ( XX/XX/year> ( XXXX ) XX/XX/year> ( XXXX ) - DELETE ACCOUNT XXXXXX/XX/XXXXXXXX XXXX have no knowledge of This Collection Agency, I never signed an agreement with this company nor received any goods or services with this company. I am Requesting a Debt Validation- ( 1 ) Original Contract with my wet signature on it ( 2 ) Purchase Agreement ( 3 ) Rights to Collect in the state of Alabama ( 4. ) Chain of Assignment ( 5 ) Securitization ( 6 ). Bill of Sale ( DELETE ) XXXX. XX/XX/XXXX- XX/XX/year> has ND, and XX/XX/year> has ND ( DELETE ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) -DELETE XXXX. XXXX XXXX has XXXX DELETE XXXX. XX/XX/XXXX has ND XXXXXX/XX/XXXXXXXX - 15 U.S.C 1681i ( a ) and 15 U.S.C 1666 ( b ) Timing of Payment- 15 U.S.C 1681 Section 602 and 604 ( a ) XXXX. XXXX XXXX XXXX - 15 U.S.C 1681 ( a ) and 15 U.S.C 1666 ( b ) Timing of Payment- 15 U.S.C 1681 section 602 and 604 ( a ) Provide me with all documentation used to verify the accuracy of the disputed information. 
Delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
Comply with your obligations under the FCRA Law.
Product: Money transfers

Sir, This complaint is not about Western Union 's refusal to make restitution, but their unwillingness to communicate at all. 
On XXXX XXXX a mistake was made concerning the destination of {$60.00} which was to be sent to XXXX, but in the confirmation it showed that it was sent to the United States. I immediately contacted them on their chat line and had that Money transfer cancelled. They sent me a cancellation acknowledgment stating that, " If your card account has been debited, the money transfer amount will be refunded. '' As of today it has been 15 days ( 10 business days ) and no restitution has been made. My bank is XXXX Bank, XXXX, TX branch. The transaction number is XXXX, and the total amount charged was {$71.00} which includes their transfer fee ; the Western Union XXXX number for this transaction is XXXX. 
I have attempted to contact them four times, and have failed to make contact with them by chat, email, or phone. I finally mailed them a letter yesterday, a copy of which is included as an attachment to this email with evidence of this transaction and their failure in its resolution.
Product: Debt collection

Withdrew over the limit and paid back the next day but they canceled my card.
Product: Credit reporting or other personal consumer reports

Account still reporting a balance with one of the bureaus. Showing different account numbers for the same account. Last reported date is wrong and showing that no information has been updated or reported. Balance is wrong. Account is paid and closed. Cant be a charge off account in XXXX then reporting that its OK and in good standing in XXXX and then back to a charge off account in XXXX. And reporting a {$800.00} balance when its supposed to show a {$0.00} balance!
Product: Credit reporting or other personal consumer reports

I did not apply for or have knowledge of this inquiry/account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Product: Debt collection

The original Creditor EXETER FINANCE was sued and forced to pay Consumers for Bad Business Practices such as XXXX is trying to do here. This Entity is trying to collect on a debt that has been paid in Bankruptcy and a Civil Class Action Lawsuit filed on the ENTITY they brought the loan from Really this is how VETERANS WHO FOUGHT FOR THIS COUNTRY IS TREATED WITH THIS DISRESPECT!!!!!!!!! WOW. 

My name is spelled XXXX XXXX XXXX. 

You have transformed my name into a CORPORATIONAL NAME for your benefit. This is an absolute disgrace to the United States Citizens or shall I say Employees, whom you constantly tax for your XXXX  XXXX extroverted outburst in the public view such as TV and MEDIA outlets. let 's be real the only crook here is you!!! 

Removal of all charge offs/collections accounts all Hard inquiries anything not related to positive accounts and all late payments, and all negative reporting of closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! 

Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordantly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Credit card or prepaid card

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my barclays us credit card is XXXX XXXX and my other card is XXXX my complaint is that I've been s good customer for 9 months and made my payment s on time. I got my credit line increase. Then all of sudden the risk department unlawfully block my account without telling me until I call them and they wanted me to send a 4560t form so I did along with my photo ID and all of sudden they didn't let me send this on a timely manner reason is that it takes time for the irs to send my tax information and they made a XXXX excuse that the documents were not clear enough. And close my accounts right away I felt discriminate here it was really done because my credit line was increase from 500 to 6700 and I was credit worthy. And they did this to me because I'm XXXX and the credit analyst that increase my limit was a minority women. But when I ask prior the XXXX credit analysts denied me. So the problem here is that barclays pull a fast one and the XXXX credit analysts put my account under review after the XXXX credit analysts approve my limit increase up to 5000 and the other limit was move to my card. And the other problem here is that barclay pull my report multiple times example if they pull a report today and increase my limit. And say I ask for a new increase again in the same day they will pull another credit report with the same information instead of using the prior credit report. .that putting more inquires on my XXXX XXXX credit report XXXX Also I. Asking barclays to removed those duplicate inquires.
Product: Debt collection

This company has REAGED a debt. I have proof account was delinquent in XXXX. If I continue to look I can find one dated back to XXXX. This account was NEVER brought current. This agency is reporting date closed not date of first delinquency. 

The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$97.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$83.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$18000.00} 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

XXXX XXXX, creditor, car loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of XXXX for XXXX. I have written several letters to XXXX CREDIT to resolve this matter.
Product: Money transfer, virtual currency, or money service

this is the transaction history with no response from coinbaseXXXX this is the last email i sent after several before emails which i sent XXXX XXXX ( 3 hours ago ) to Coinbase who authorized the withdraw? 
Withdraw XXXX XXXX  - XX/XX/2021 EST XXXX the size : : XXXX XXXX also i made the deposit Deposit XXXX XXXX - XX/XX/2021 EST XXXX XXXX {$9100.00} ANOTHER ISSUE WHO authorized the withdraw of ETH  XX/XX/2021 - XXXX XXXX EST XXXX {$3800.00} XXXX subtotal:XXXX6 Destination Address:XXXX Transaction Hash : XXXX COMPLETED>>>>> THIS IS MY DEPOSIT XX/XX/2021 - XXXX XXXX EST XXXX XXXX Transaction ID:XXXX  Transaction Hash:XXXX {$3500.00} this was done i assume on there trading plate form i have the address i sent from my hard wallet ( offline wallet called XXXX XXXX XXXX ) to them please publish but please remove my name
Product: Payday loan, title loan, or personal loan

I applied for a PPP loan with XXXX XXXX, a delegated company and was approved on XXXX and signed my documents on XXXX. my lender is capital plus financial llc, and i still havent received funding or an update on whats going on. XXXX still says active in-disbursed. idk what to do. im behind on my bills and cant buy anymore supplies that i need. This is the XXXX sent to my email. 
I need some major help getting funded there are people who just signed their loan last week and got paid today! I have been waiting since last month I signed on XX/XX/XXXX! 
My loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months I have trying to get experience to change my address to my actual address I have submitted documents they said were acceptable via the online portal and I had also mailed them proof of my address such as my W2 my ID and bills along with pay stubs which were also acceptable documents I was told this problem is fixed however not only has my address not been updated and they continue to report inaccurate information they also have not updated my credit profile and almost 6 months which has been causing me a lot of trouble accessing credit amongst other things which has created problems for me because they can't verify my identity for me to have access for credit under the laws for consumer rights they're supposed to report accurate information they said this problem is fixed and they have yet to do so and as I have said they have not even updated my credit report but then almost 6 months therefore my credit ages false they don't even show all of my open accounts or my payment history because they've refused to update any information on my credit report not my personal address nor any of my open Credit accounts which I have done the right thing with always made my payment sometime and have done everything right to build my credit this has been holding me back and I have been trying to fix this for well over a year now and they still have not fixed this issue
Product: Credit reporting or other personal consumer reports

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

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law XXXX XXXX Code XXXX ( XXXX ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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

After receiving my credit report, I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Mortgage

My loan/servicing was recently purchased by Rocket Mortgage. I set up my account with their online servicing over the phone with them and had to get my escrow accounts corrected. When I mentioned dropping mortgage insurance, they tried to push me into refinancing, even though I told them no. This was taken care of and there was no reason for them to contact me again in reference to the new servicing. They continually call me to go over my account which I already have done, in an attempt to get me to refinance my loan. They have provided miss-information about refinancing and what they could do. They continue to call and are harassing me even after I've told them I do not want to discuss any type of refinance or review of my loan, since I went through the process with them already. I'm a licensed loan originator and I work on loans every day. I know the process for removing mortgage insurance and shouldn't be told I should refinance. I told them I was not interested in refinancing or looking at any additional loan options. I allowed them to give me a sales pitch and the information they were implying was incorrect, I assume because they have inexperienced employees pushed by managers to badger clients into agreeing to speak with one of their loan officers. 

It is wrong for a company to buy a bunch of loans so that they can legally call and harass the borrowers, and mislead them just so Rocket Mortgage can profit by miss leading people into refinancing their current mortgage.