23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX 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. Also States A consumer reporting agency can not furnish my account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Mortgage

1.Shellpoint Mortgage Servicing, LLC, a collection  agent for  XXXX  has been contacting me illegally concerning my home mortgage. I have an attorney of record,  XXXX   XXXX . All correspondence, or any contact, should go through her office. They have done this numerous times, and must stop this practice immediately. I had the same problem with  XXXX  's debt collector,  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  wrote a response to CFPB agreeing to extend the no contact agreement until  XXXX   XXXX   XXXX , or the alleged life of the loan.. That agreement should extend to Shellpoint, also. 2. That  XXXX ,  XXXX ,  XXXX , and Shellpoint immediately cease alleging that  XXXX    XXXX   is the Trustee on the Note of my fraudulent Loan.. On  XXXX   XXXX ,  XXXX ,  XXXX    XXXX   agreed to a  XXXX   XXXX  dollar settlement with the Dept of Justice for their fraudulent lending practices.  XXXX   XXXX  admitted the illegal packaging, securitization, marketing, sale, and issuance of residential mortgage-backed securities Their illegal conduct including, shoddy underwriting and improvident lending practices, forced many homeowners out of their homes illegally. These fraudulent Notes were converted between  XXXX  and  XXXX , including our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING A LATE PAYMENT FOR XX/XX/2022 AND I WAS NOT LATE. THIS HAS CAUSED MY CREDIT SCORE TO DROP AND NEEDS TO BE CORRECTED. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

i was a customer to XXXX XXXX in XXXX XXXX to XXXX. I have returned the device to XXXX store after relocating to XXXX, Texas. They accepted. But reported to CRA as collection with amount XXXX $ in XXXX. I provided proof and they deleted this collection account. But now without informing me they have published another collection account to my credit report thus hurting my profile. Remove this account immdiatelyXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a survivor of XXXX XXXX, and certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

Legal Protections and Applicable Laws As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation : 1. Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies are required to block any information resulting from identity theft, including cases of human trafficking.

2. Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : Victims of identity theft have the right to obtain copies of business records relating to fraudulent transactions.

3. Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information and correct or delete any inaccurate information.

4. Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) : Any entity requesting a consumer report must have a permissible purpose, and fraudulent inquiries must be removed.

5. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : Entities furnishing information must ensure its accuracy and investigate disputes.

6. The Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize handling disputes involving human trafficking victims fairly.

7. Trafficking Victims Protection Act ( TVPA ) : This provides protections for victims of human trafficking, allowing them to clear fraudulent financial records resulting from their victimization. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, there are incorrect addresses and personal details on my report that I request to be corrected. 

Request for Action Please remove these items from my credit report under the provisions outlined above. I have included the necessary supporting documentation. I request written confirmation that the disputed information has been removed and a copy of my updated credit report. 

I also request : Rapid Rescoring : My credit score should be rescored quickly after corrections.

Direct Disputes with Furnishers : I have also contacted the furnishers and expect them to verify or correct their data.

Demand for Written Verification : If accounts can not be verified, they must be deleted per FCRA guidelines.

Suppression of Inaccurate Data : Inaccurate data should be suppressed immediately to prevent further damage.

Thank you for your prompt attention to this matter. Please ensure full compliance with federal laws and guidelines from the CFPB.
Product: Mortgage

Per the information on PMI posted to there web site provided at attachment, it states that the PMI requirement for the mortgage will be automatically canceled when the loan to value ( LTV ) of the mortgage reaches 78 % of the original property value of the mortgage. This occurred after the XXXX XX/XX/2018 mortgage payment. I called the lender to discuss this approximately on XXXX XX/XX/2018 and was informed they would look at it. I was again charged PMI in the XXXX payment so I called the lender again around XXXX XX/XX/2018, to advise that the PMI payment was not in accordance with the information posted on their website and why were they still collecting it. Again I was informed they were reviewing it and would advise me shortly. On XXXX XX/XX/2018, I received the letter from the lender provided at attachment advising me that I would have to pay {$100.00} for a Brokers Price Opinion ( BPO ) on the property before they would considering cancelling the PMI requirement. This new BPO requirement is not addressed anywhere in the lender 's PMI information and is in direct conflict with the information that is posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

many inaccurate items on my credit report that needs to be removed
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to cash out my funds in the CashApp portal. At the time, I had {$230.00} in my online account to cash out. Historically, I was able to send and receive funds using my debit card, which I linked to the application ; consumers did not have to provide their banking information ( i.e., routing number and account number ). However, on this day, when attempting to cash out, I was prompted to provide my banking routing number and account number to cash out my funds. I have never provided CashApp with my banking information, and I only used my debit card for all incoming and outgoing transactions ; now, I am prompted to provide bank information with the standard cash-out option. 

CashApp should have informed the consumer that their financial transaction policies were changing ; however, they did not. CashApp is forcing customers to provide their banking information ( i.e., routing number and account numbers ) to cash out their funds using the standard cash-out option. Not only did CahsApp not communicate this change to the consumer, but their online help articles also continued to state that customers can explicitly cash out their debit cards. Their customer support advocates indicated that customers could cash out on on-file debit cards.

CashApp partnered with a third-party vendor, XXXX, to collect customer banking information without informing consumers ; of providing this information before the partnership. The XXXX information provided is a short description of who they are. This information is only available to the consumer during the bank account collection process, and the consumer must click the link to retrieve this information. 

Additionally, if consumers instantly transfer funds, they are not prompted to provide their bank account information. However, when consumer uses the instant transfer, they are charged a fee based on the number of funds they cash out. Further, consumers can continue using their linked debit card to send money without providing their banking information. 

I attempted to work with CashApp customer service advocates but failed to resolve the issue. I requested they send me a paper check, which they indicated they could not. I informed them they should have told the consumers before making this change, but they were still waiting for answers. I've attached several screenshots of my chat discussion with CashApp and their online help menu article indicating you can cash out to an on-file valid debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit file that I did NOT authorize. The inquiry is from XXXX/XXXX XXXX says its a mortgage company. I did not start mortgage shopping for my home until XX/XX/2019. This inquiry is listed XX/XX/2019. I also have a fraud alert on my file and some sort of contact should have been made to me for this inquiry. I DID NOT AUTHORIZE THIS INQUIRY AT ALL. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 

XXXX/XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

I just checked my Transunion Credit report and I noticed that the XXXX XXXX XXXX Account # XXXXis reporting having a balance. 

This account was sold to a third party collection agency to which I have already received a notice and a phone call. This account is being reported incorrectly. The account was sold to a collection agency then Transunion should not be reporting a balance.
Product: Checking or savings account

I recently had XXXX overcharge my account 3x for {$75.00} each in the same day alongside some other autopayments hitting. It resulted in 5x {$35.00} overdraft fees. They were only able to remove 2x of them because they made a company wide rule last XXXX that they were going to limit it to 2 per year. Now I'm unable to make rent and can only afford soup. I thought they'd been in enough trouble with legislators to stop these predatory overdraft fees!!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There  are 2 seperate contracts with 2 different dates and two different  amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my  XXXX  credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.
Product: Debt collection

XXXX is a company on XXXX that sells replica bags. I purchased from them buy four bags and get one free. When the order arrived their were only four bags and two of them were damaged. I immediately called XXXX and they said to start a dispute and to send proof and contact merchant. I sent proof of what I was supposed to get and that I can not contact them. They told me I still have to pay and I told them I will not because I didn't get what I was supposed to. Additionally XXXX is now banning this company because of this. I have a recorded conversation I can email to you as well from with the XXXX representative.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I had my auto set up to draft a payment under their XXXX XXXX program. I made sure that my funds were there. My landlord sent me a notice saying that Best Egg returned the payment saying that I had insufficient funds and charged me not only for a returned payment but they charged me a late fee which ended up being {$150.00}. I called Best Egg several times and advised them of the issue and was told that I had insufficient funds. I advised them that was not true and sent a copy of my bank statement proving that my funds were there after XXXX of their supervisors told me to do so. I spoke to several supervisors and requested that I speak to someone in corporate. I was told that there is no one above the supervisors of the call center and corporate does not exist. An employee tried to use a sad excuse saying that XXXX XXXX is a new product and it seems like it was a system glitch that caused the issue and they apologize but going forward I should not have any issues. My property management company requested something in writing from Best Egg confirming that it was a mistake on their end and they did not give me anything. They just attempted to use empathy recognizing their mistake and basically want me to forget and forgive them. My property management company advised that since Best Egg was the ones that returned the payment incorrectly, they need to be the ones that reimburse me for their mistake. The company has not tried to resolve this issue and told me that a supervisor would contact me back and no one never contacted me back at all. They even closed the ticket that I created regarding this issue without resolution. 

Also on my bank statement on XX/XX/year>, my balance was {$260.00}, and my payment to Best Egg was {$250.00}. There was no activity on my account for 3 days, which my payments from the company are always withdrawn by the XXXX of the month to ensure the property management company is paid. I have included proof that it was an issue on the company 's side and not mine.
Product: Credit reporting or other personal consumer reports

| have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} FIRST XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I opened Amazon Store Credit Card with synchrony bank last XXXXI was using my card responsible and paying it on time however when i was purchasing some goods from Amazon.com and my card was declined.I logged in my account and it was saying " This account has been closed. No further purchases will be allowed. Continue to make payments until your balance is paid in full. '' I directly called the bank and told them there should be something wrong because there was not any problem between me and the bank until they close my account.They advice me to wait 5 business days and i will get mail from the bank that explains why my account closed without any notice.After couple days i received mail from the bank that says " Activity on account ( s ) with Synchrony bank indicative of high risk of failure to pay '' .I called the bank again and requested to talk supervisor for activate my account back because the reason bank provided to me was not acceptable. I explained the supervisor that i am employee of Amazon, also have 2 e-commerce business and most importantly that 8 years of my credit history, i have no late payment at all.She said she opened ticket for this situation and unfortunately i received final result that says they can not be able to open my account back.They advice me to apply again for the same card which i would not do that way. 

As a result.Synchrony bank shut down my account without any notice and unfairly so i could close my account before bank gets any closing action.Because of this situation, my credit score went down more than XXXX points also their inquiry will show up on my credit file 2 years and bank also would not give my any points that i collected with my purchases. I am very upset for this situation since i am in good shape and very responsible person financially. Please help me to get resolve for this situation. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.