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

On XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX, and Equifax Information Services LLC, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I called and asked if there was a way to lower my payments due to hours being cut at my job and then the owner of job site is considering closing for some weeks because of the current corona virus situation. I was told I couldnt lower my payments because I didnt qualify because my account is a credit line. I was then offered to to do an extension which means on the next due date of the loan payment I would be paying double ( My loan due dates are the XXXX and XXXX of every month ). I thought this was outrageous. The representative was very understanding of the situation and she did go to her supervisor to see if I could qualify for further assistance but I got denied. I am a customer who hasnt had any issues with paying but I was calling to try to get help and to let them know my situation but the company wouldnt try to work with me.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXXXXXX XXXX XXXXXXXX should be present on my account Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently request the removal of an incorrect loan from XXXX XXXX XXXXXXXX listed on my credit report for {$2100.00}. This loan, which was supposedly taken out in XXXX for travel expenses, does not belong to me. Despite filing a dispute with TransUnion and the Consumer Financial Protection Bureau ( CFPB ), the loan remains unresolved, even though XXXX confirmed that the trip was booked by individuals I do not know for a route I have never traveled. 

I have never missed a payment on any loan or credit card, and this false loan is damaging my credit. XXXX XXXX XXXXXXXX has already reduced my credit limit based on this error, and I urgently need it removed from my report to restore my financial standing. 

Please take immediate action to correct this issue. Thank you for your prompt attention. 

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

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 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 According to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went shopping at the XXXX/XXXX XXXX XXXX  store in XXXX Wa at the mall on XX/XX/2018. I was talked into getting a credit card for a percentage off of my purchase. I received my bill for {$250.00} sometime in XX/XX/XXXX. I went into the store to pay off bill before due date and wrote a check for {$250.00} addressed to XXXX on check number XXXX on XX/XX/2018. I received a bill in the mail in late XX/XX/XXXX saying I had a late fee. I called XXXX credit card and explained that I had payed it. They turned me into the XXXX XXXX  collections. I have been in contact with them many times. I have sent them a copy of the front and back of my check. I have told them that my bank has said that the check went through and was cashed. They told me it can take 6 months to look into. My annual credit report is now affected. I am only asking that they dismiss the charges since the bill was already paid. This will of course fix my credit. I am upset that they keep calling me and sending me bills even though I am disputing. It feels like harassment. I was happy to send them a copy of the check front and back but they have requested it sent again because they complained that the back was smeared which I had nothing to do with, They requested a receipt from my in store payment which I did not keep and have let them know. I feel like I have been ignored by them. Instead of working with me they are dragging this out.
Product: Mortgage

I chose not to renew my hurricane coverage with my old carrier. I instead chose to only carry homeowners and contacted Newrez to find out how much it would cost to insure my house for hurricane only for the amount I owed on my loan. They gave me a price for that and when they placed the insurance it was for double the amount I actually owe on my home. They stated that they could secure a lender placed policy on their behalf for {$240000.00} although my mortgage is only {$120000.00}. I contacted them 42 times over the phone and sent them over 30 emails and they refuse to lower the lender placed insurance although at one time the supervisor stated he saw the issue and he would correct it. It never happened. I am not paying for them to enrich themselves on insurance that they would benefit over {$130000.00} more than I owe them if I were to have a total loss.
Product: Credit card or prepaid card

Im not allowed to access my EDD debit card online disabling me from sending money to my bank account from it
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX  ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

I am writing to dispute the inaccurate reporting of my credit accounts by Equifax. Despite sending payoff letters to Equifax for both XXXX, XXXX, and XXXX XXXX, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over XXXX months now. 

Equifax representatives have informed me that XXXX, XXXX, and XXXX XXXX have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from Equifax, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and XXXX XXXX be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for Equifax. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent attention to this matter is greatly appreciated.
Product: Credit card or prepaid card

Bank of America Attention XXXX XXXX XXXX! 

XXXX XXXX XXXX I really appreciate you taking your time to investigate this ongoing issue that you and I have had but your office keep on saying that you are investigating there is nothing to investigate I have sent you all the necessary factual base dispute information showing that your company is reporting false information on a credit report in your office is acting very reckless and willful. I asked you to view the attached files with a side by side credit report with XXXX XXXX XXXX XXXX The account is only showing on XXXX as XXXX and XXXX has long since deleted the false and inaccurate reporting that you are doing. And this proves that you are acting willful and very reckless reporting! There are laws that your company must follow its the rule of law. 

You stated on XX/XX/XXXX the date of late active was obtain on the report. How is that so when the bankruptcy wasnt XXXX until XX/XX/XXXX. Right here shows that your information is false There was no payments made on XX/XX/XXXX so therefore your office is reporting false information about me. Also in your letter thats dated XX/XX/XXXX you indicated that the account was open on XXXX XXXX but however based on the credit report you are reporting that the account was open on XXXX please send me the credit application that was used on XX/XX/XXXX to open the account on XX/XX/XXXX! Based on what you been reporting since XXXX Also this account has been in dispute for 6 months or longer you are in violation of FCRA 623 you know that you have to enter these remarks are required if not it can not report on the credit report. Within 30 days of the first dispute. XXXX XXXX I need you to remove this account from experian immediately or consequences will take place Im warning you the summons attached to file has nothing to do with you but Im showing you Im coming after your company if the false information isnt removed in 10 business days Im not playing! 



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

XX/XX/2022, someone ran my hard inquiry one my credit for mortgage banks, sun trust bank. I did not authorized it. I hit me hard inquiry on XXXX XXXX report. I want it removed, inquire. Im not refinance my house so might be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit line increase request submitted in error on my Barclays credit card. I called Barclays bank to have it canceled and the hard inquiries removed from the 3 credit bureaus. After talking with 2 agents to try and have this request canceled, I spoke to a manager XXXX ( XXXX ) who said to submit a complaint as they can not complete this request ; he said once the hard inquiry is pulled, they can not undo it.
Product: Debt collection

Portfolio Recovery Associates is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by Portfolio Recovery Associates LLC. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by Portfolio Recovery Associates, LLC. I claim that no such documentation exists in the file contained with your court. Portfolio Recovery Associates LLC has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX? XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is still in dispute which is XXXX XXXX XXXX XXXX XXXX Send in important documents and they havent remove it and I never made payments on it according to the bank they were fake payments made by the fraudster and this account never been blocked before and they havent block it yet .. need some assistance from the fraud dept This is not mine fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I deposited {$140.00} dollars in cryptocurrency ( litecoin ) to CRYPTO.COM the deposit occurred with no issue, I wanted to transfer the crypto to an external wallet and that is when I received an error message stating I must contact my bank and resolve a dispute for me to transfer crypto funds. They reffered me to a subtle email they sent XX/XX/XXXX stating I must resolve issue with bank regarding a supposed transaction, I tried to receive more information from them they stonewalled me they stopped replying completely and have left me no route to withdraw my cryptocurrency. Upon googling reviews I noticed this is a very common issue one example is the plethora of reddit post stating very similar experiences. I believe this is a strategic ploy implemented by CRYPTO.COM to hold on to peoples assets for long periods of time forcing their customers to go through many hurdles to finally withdraw their funds meanwhile they are being used to generate a profit for CRYPTO.COM this seems highly illegal to me I hope you can investigate this matter.