23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint against Speedy Cash on XX/XX/XXXX to CFPB regarding a failed debt validation from Speedy under complaint # XXXX and a company in which they sold an erroneous debt to, AD Astra Recovery Services. Speedy responded back stating that I took out a loan ONLINE and that the payments were missed. I have asked several times for Speedy Cash and AD Astra to validate this debt according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and they HAVE NOT done so. This account is fraudulent. I have asked that your company and AD Astra provide me with copies of any papers that show I agreed to pay what you say I owe ; prove the Statute of Limitations has not expired on this account ; AD Astra needs to provide proof that they are licensed to collect in the state of Texas, and to provide me with the license number ( s ) and Registered Agent or Agent of Service. NONE OF THESE ACTIONS WERE COMPLETED WITHIN THE TIME ALLOTTED. Also, within Speedy 's response under complaint # XXXX, they stated that a loan was taken out in XXXX of XXXX and that they tried to contact me in XXXX and XXXX of XXXX, which is absolutely false. Due to this erroneous reporting to the Credit Bureaus, a highly negative impact on my personal credit report has caused me financial harm and damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine I dont not have a contract with ( XXXX XXXX XXXX XXXX according to the FCRA THEY ARE VIOLATING MY CONSUMER RIGHTS 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 know or has reasonable cause to believe that the information is inaccurate.Also this is a medical bill were as of this XX/XX/2022 any medical thats under XXXX $ or less should be removed from a natural persons consumer report. To also add on this fraudulent account was removed from XXXX along with XXXX so therefore this should also be removed from this Agency do to its inaccurate information 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Product: Checking or savings account

Citibank said they would mail me a letter within 7-10 days explaining why they closed my savings account on XX/XX/2024 but the letter never arrived. I also have not received my funds which is over {$10000.00}. I have been trying to get a hold of them ever since but I am on hold for wait times longer than an hour. They have not been helpful with the situation at all and can not explain to me why they closed my account. They decided to just close my account out of the blue without a warning or alert, and I was unable to access my account and funds ever since.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of XXXX **Account : XXXX XXXX** To whom it XXXX concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, and the Privacy Act of 1974 ( XXXX XXXX XXXX ). 
As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, XXXX XXXX XXXX, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA. 
According to XXXX XXXX XXXX, I have never given written authorization to report personal information on my credit reports. Furthermore, XXXX. XXXX ( XXXX XXXX. XXXX ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency. 
In addition, XXXX XXXX XXXX states that no consumer reporting agency XXXX make any consumer report containing adverse items of information other than records of convictions of crimes older than XXXX years. Any derogatory mark on my report is a violation of this section. 
According to XXXX XXXX XXXX, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation. 
The Privacy Act of 1974 ( XXXX XXXX XXXX ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures. 
Per XXXX XXXX XXXX ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per XXXX CFR XXXX and XXXX. I have not been given the opportunity to opt out of any reporting. Additionally, XXXX XXXX XXXX requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My student loans used to be handled by a lending company called XXXX but after I started working for the government and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX XXXX and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to include updated information on my credit report. 
They refuse to include my XXXXXXXX XXXX card, XXXX XXXX card and XXXX Card. 

I've had these accounts for 3 months and they refuse to report them. 

We are in the process of filling and class action lawsuit against TransUnion.
Product: Credit reporting or other personal consumer reports

I have contacted all credit bureaus in notice of incorrect and unmailable information. It has been 30 days and the corrections were not made. My name is incorrect as well addresses that have no account connection and is undeliverable. Please assist with this removal-all and any information on your report should be valid.
Product: Mortgage

I contacted Quicken Loans for a home mortgage loan and was quoted an interest rate of 2.99 % with no fees charged by the lender. Even though I could n't tell the Estimated Closing Costs contained a XXXX % origination or points charge, I signed the form anyway. I have complained to Quicken Loans that I was not informed of paying points. I have asked them to produce the recordings of my conversation with their loan officer where he fully explained that I was paying points. They have not provided such confirmation. I must pay it to close but want them investigated for predatory practices. If they do this to me, I 'm sure they do this to numerous individuals. Thank you
Product: Credit reporting or other personal consumer reports

Subject : XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 
On XX/XX/2024, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX and Capital One ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Despite my explicit request to opt-out, I have recently discovered that XXXX continues XXXX furnish information related to my account with XXXX Card and Capital One on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 
I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX has not only violated my consumer rights but has also compromised my privacy and financial security. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX ceases the unauthorized reporting of my non-public personal information on my credit report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have checked my consumer credit profile and have noticed that there is a TON of inaccurate information including information that I never authorized to be reported nor has any government agency given authorization for any of the information to be reported, ( XXXX, XXXX  ) never had authorization to report any experiences to any of my consumer reports these accounts are in direct violation of 15usc1681 ( i ) these acounts should be removed as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I LOOK AT MY CREDIT REPORT AND SEE WHERE MY NAME HAVE BEEN USE AND I BEEN DISPUTING THE INFORMATION WITH TRANSUNION SEVERAL TIMES AND THEY NEVER SEEN ME ANYTHING IN MAIL SAYING THAT THE ACCOUNTS WAS VALIDATED. THE ACCOUNT IS NOT MINE AND PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00}
Product: Checking or savings account

I filed a dispute with my bank on XX/XX/2023 for a purchase made on XX/XX/2023 for {$32.00}. I told them the merchant ( XXXX ) never refunded me because I was not happy with their product. The merchant claimed they refunded me but never did and I have emails with prove that I sent to my bank. My conclusion was to do a chargeback with my bank since I never got my refund from the merchant. I received the final determination from my bank XX/XX/2023 and they claimed the merchant refunded me {$25.00}. Upon checking that refund was for another transaction I did with the same merchant. I wanted to do this complaint about my bank because they are not investigating correctly.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate accounts listed below to have to removed immediately Experian would not allow me to dispute which is unlawful and against my rights as a consumer and would not provide me names of each individual or business to whom they verified the debt with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX, at XXXX pm, I issued XXXX {$1900.00} transfer to my wallet at another location. 
Then my transfer was shown to be delayed for 3 days till XX/XX/XXXX, for security concern unless I verify my identity. So I identified myself by : - entering screenshot of my driver license - and took. Selfie of my face And I was told it was a success. 
Still it would not send my transfer Then I called a coinbase agent and spoke with her for XXXX minutes and she promised me that it will send it, but it didn't happen
Product: Credit reporting or other personal consumer reports

TransUnion failed to make corrections despite the fact they were sent all relevant information pertaining to my credit report. Numerous ( certified and priority ) letters were sent, however, company keeps reporting wrong information that affects my personal financial and Family well-being. 
XXXX. There were no collection through child support. Said account originated in XXXX and TransUnion kept reporting it over the years as negative account due to alleged collection. At first it was reported that collection took place in XX/XX/XXXX ( that never happened ), then XX/XX/XXXX. 
My daughter turned XXXX in XX/XX/XXXX. Payments towards child support continued directly from Social Security until XXXX of XXXX and resulted in overpayment that was subsequently refunded. 
XXXX XXXX XXXX XXXX has no information regarding alleged collection and payment history record does not reflect any late payments or collections. Despite being provided any and all Supporting Documents TransUnion refuses to remove/correct said information ; XXXX. After being victim of XXXX XXXX in XXXX and XXXX XXXX in XXXX I requested mortgage assistance from XXXX XXXX  in XX/XX/XXXX. Said request and subsequent back and forth communication took almost XXXX years. After I filed Federal complaint my mortgage was transferred to XXXX XXXX XXXXXXXX ( financial company affiliated with XXXX ). 
At no point in time did I have late payments or otherwise missed a payment. TransUnion reports as if I had both mortgages ( XXXX and XXXX ) originated at the same time in XXXX and with same amount. Transfer of mortgage from XXXX to XXXX took place sometime in XXXX or XXXX. Subsequent to that transfer my mortgage was placed in Forbearance program due to previous financial loss associated with Declared Natural disaster that took place in Florida in XXXX and XXXX. 
Because TransUnion was wrongly reporting my personal information I was unable to receive XXXX help and suffered financially. 
I respectfully request your assistance in resolving this issue as soon as possible. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I deposited my employer payroll check on XXXX24 for my new SoFi checking account. At the time, it was said that I would have funds available on XXXX/24. On XXXX24 I received an unknown call from someone who said they were a SoFi representative asking me to verify personal information. I told the representative I did not feel comfortable answering questions, so I could call the SoFi number publicly posted. I called the number and spoke to a representative who verified my check deposit. Now my account is restricted. When I call, SoFi representatives can not tell me why its restricted or when it will be resolved. I am simply told its being reviewed by internet security team. Please help.
Product: Credit reporting or other personal consumer reports

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account in my name. This unauthorized account have been reported to the three major credit bureaus : XXXX, XXXX, and XXXX. Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : This unauthorized account have negatively impacted my credit reports with XXXX, XXXX, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm, DESIRED OUTCOME : PLEASE REMOVE ACCOUNT FROM CONSUMER XXXX CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Mortgage

I started dealing with XXXX XXXX ( NMLS ID # XXXX ) in XXXX to apply for a 30 year fixed loan to refinance my current 30 year fixed loan to get a lower payment. 
After running my credit, etc., she offered a 30 year fixed loan with a rate of 2.375 % with a payment of $ XXXX/month. There was also cash back of {$520.00} to repay me for their loan application fee of {$500.00}. 
As you will see in the documents attached, the actual offer was nowhere near her stated offer. 
As a result, I have suffered material damage due to losing out on other competitive offers from companies like emortgage and others because I believed her offer to be valid. 
I've spoken with her several times regarding getting a firm offer with the terms she described, but have been unable to do so. I have multiple emails to this effect. 
Additionally, AmeriSave has requested the same documents numerous times after they were sent them previously.

Moreover, the AmeriSave website shows that no other documents or requirements need to be met and yet I have no firm offer still!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX, reported my account 30 days late on XX/XX/2022. 
This information is incorrect and I want this to be corrected on my credit report. 
Have never been late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( Account number : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from Jpmcb Card. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}