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

Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing XXXXAlleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.
Product: Debt collection

I have told them time and time again to not call me and to send me the contact they have on file with my wet signature and their company name. They cant provide that because they are a third party debt collector and they are harassing me. They are violating my rights to privacy and should be stopped from doing so. The account in question should be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

Hi, I am reaching you because I am not getting any updates from Binance US side. Let me shortly explain what is going on.. Almost five month ago I received an email from Binance US that my account is going to be XXXX and I have several days to withdraw all my funds on the account. I did it, but there was a pending transaction that I accidentally fulfilled and money were transferred to my XXXX account. I opened a case and tried to talk with Binance US support in the face of XXXX XXXX. They opened my account, but I could not withdraw my money because there was some problem with XXXX XXXX sync there, I reached the support again and they stated that they are working on the resolving the issue. Eight month passed, but there is no result. I am a patient person, but it has been eight  month since I can not get my {$25000.00} back, I hope that you can help me with my problem because I dont get a response from anywhere ... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX several times regarding the inaccuracies they are reporting on my credit report on behalf of RSH & Associates LLC for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask XXXX to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to XXXX  was XX/XX/XXXX and again on XX/XX/XXXX. XXXX responded that after the investigation they concluded the information reported by RSH & Associates LLC was accurate and the collection remained on my report. XXXX did not require the company provide them or me with debt validation as I requested and XXXX was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to RSH & Associates LLC to demand they validated the debt they are reporting to XXXX. RSH & Associates LLC has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Diversified a cease and desist letter and to date, they are still reporting collection activity to all three credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Account : ( XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XXXXXXXX XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent items from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ga XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit card

Company closed my accounts and didnt allow me to make payments and avoid cards going into collections.
Product: Mortgage

XXXX, formerly XXXX XXXX XXXX, has my loan. I asked, back in XXXX ( well, to be honest, I had previously asked the former owner/servicer of the loan, Guaranteed Rate, before XXXX, but XXXX XXXX XXXX got my loan after that, so I had to start all over ) to do a loan assumption. They sent me the list of things they needed, and I immediately sent the documents to them, along with a {$400.00} loan assumption fee. They got the paperwork and fee back from me in XXXX. Now, 3 months later, they still have not completed the loan assumption. In fact, they will not even tell me that they are starting the loan assumption. See, the problem is that I can not get them to talk to me at all. I have been given a " single point of contact '', but she almost never answers her phone, she never returns me calls ( I leave her lots of voicemails ), she never replies to my emails. Even her manager is now in on the act. He won't reply to me anymore, nor is he apparently having her reply to me. They are obviously purposefully stalling me and stonewalling me. They can not possibly be this inept. It has to be on purpose.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Vehicle loan or lease

I have had the loan since XXXXXX/XX/XXXXXXXX, recently I tried to log into my Ally account to make a normal payment and received a message saying I couldn't make a payment and I had to call in for further assistance. 

I called in and essentially their system tried to take money out of my bank account multiple times as reprocess payments for a declined charge I set up, then their system tried so many times it flagged my account that I tried multiple times ( it was their reprocess system, not me I only tried a small number of times since XXXX ). 

They let me know since my payments were declined so many times I had to pay with guaranteed funds for the next 3 payments. The methods of guaranteed funds they accept are either unrealistic such as physically mailing them money for the payment in the form of a money order ( if that gets lost I loose {$1400.00}. No one in their right mind does this ). The other forms were XXXX XXXX or XXXX XXXX both of which had large fees due to the amount owed, around {$60.00}, for the next 3 payments is a little much to ask as a fee for an auto loan payment. Plus this is XXXX, going to a XXXX XXXX in person Vs. paying in an online portal out of my day from work and commitments at the house is ridiculous to ask. 

I just footed the first {$60.00} bill through XXXX XXXX ( one of the " Guaranteed '' forms of payment they accept.
Product: Debt collection

Midland Funding reported a collection account on my credit. I asked for validation of the debt since I was not notified by Midland Funding that they were reporting anything on my credit. Midland ignores my request for validation, yet they continue to report this erroneous account on my credit. 
Midland Funding is in violation of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unverifiable response and failing to adequately notify consumers of dispute outcomes.These failure aglin with my experience, where Experian has neither corrected nor remove disputed items dispite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I took a cruise that was paid with a Best Buy Credit Card. My daughter, a minor XXXX XXXX XXXX, was not able to board because she had a positive XXXX test. At that moment a proof was presented, a claim was initiated, requesting the reimbursement of this ticket. They told me that before ands the cruise I would receive an answer, but I just receive a letter with a case number, and I had to contact the corporate office in XXXX. I did. I contacted them using different ways : by phone, E-mail, and regular mail ( post office ), without receive an answer. 
I initiate a dispute of the charge with the credit card ( {$660.00} ), but the credit card had denied me this refund, giving me different excuses. I had sent all the information to the credit card, include a dispute with the XXXX XXXX XXXX against XXXX, where the company accepts the mistake, but they are giving a credit to use in a future cruise to my daughter. The problem is that my daughter is a minor ( XXXX XXXX XXXX ) and she can not use it by herself. I have a couple problem with the cruise and the other credit card accepted my disputes and made the respective refunds, but Best Buy Credit Card had denied it. One of the reason has been that they had not received enough information or documents, but this is not true because I had sent all the information using different ways ( fax, and regular mail )
Product: Credit reporting or other personal consumer reports

Thave a 30 day late payment with XXXX XXXX from XX/XX/2024 that is an error and XXXX asked for proof of payment. This account is paid on time and in Full and was not late. I am requesting that the late payments on my credit report be reversed or marked as " Paid as agreed '' or " Ok '' and the credit bureau make the necessary corrections to my credit report. I appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of the dark web, along with losing my identification and ssn card years ago. I'm demanding that these unauthorized accounts be blocked from my credit file. 

[ 1 ] XXXX XXXX XXXX/XXXX  {$7300.00} [ 2 ] XXXX XXXX XXXX {$3000.00} [ 3 ] XXXX XXXX XXXX/XXXX   {$5400.00} [ 4 ] XXXX XXXX XXXX  {$3900.00} [ 5 ] XXXX XXXX XXXX  XXXX [ 6 ] XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, Discharged XXXX : Bankruptcy Reference Number XXXX
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit reporting act Affirm, has violated my rights. 15 US 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions. 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX # XXXX Please Delete from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA laws, due to multiple reporting innacuraccies, I am requesting that this account be removed from my credit report. On XX/XX/XXXX, I received a response from GM Financial referencing a request by me to present a contract that has my signature of authorization. The contract was forwarded to me through the CFPB portal. When comparing the document that GM Financial has presented to the credit entry on my credit file, I have noticed multiple innacuraccies and incorrect reporting. Theys also stated in the letter that they are providing accurate information per FCRA which is contrary to the evidence. 1. The contract states that this account was established as an Installment contract which is false. This was a retail credit contract through a dealership. 2. This is not my signature, and there is no ID attached to this document to compare my signatures to. 3. The address on the contract was not mine and I've never lived there ; had GM Financial conducted any kind of real investigation they would've recognized this. 4. You reported to XXXX 16 late payments on this credit entry,, while you report to XXXX  17 late payments. ( XXXX reports no late on XX/XX/XXXX, yet XXXX  reports as 30 days late in that same month of XX/XX/XXXX ). 5.You report a payment to XXXX  for XX/XX/XXXX but report no payment for XX/XX/XXXX to XXXX This is inaccurate, incorrect and an a serious FCRA reporting violation. Also, GM financial has reported the terms or number of payments on this account to XXXX and XXXX  as " 81 '' months, yet their contract states that the terms or number of payments is " 72 ''. I have factual based evidence that is attached to this complaint.
Product: Checking or savings account

I have been a customer of MARCUS.com ( Marcus Goldman Sachs ) since XX/XX/XXXX. 
About 6 months ago I opened a new cd and a saving account and made a deposit of $ XXXX, one day in XX/XX/XXXX, I tried to access my online account and found out it was being locked and there were no email notifications or any signs before they decided to lock my account. 
Since that, I tried to call them numerous times and try to solve the issue but the first time I called their rep told me the house number was the only number that their internal system identified. Very soon I noticed she was lying, I have always used my cell phone as the primary number whenever I forgot the password their system would automatically send me the passcode to my cell phone. I told her I have never set my house number as the primary, and I asked her about where on the website had that setting and she said it was their internal system that identifies the house number, not the cell phone number. I then was promised that someone will be in contact with me no later than 48 hours to verify and provide the passcode. 2 days passed I did not get a single call from them, I then made several follow-up calls about this, and every time I was promised the same things and I still never got the call then I continued making several calls until someone finally said I can send them the notarized documents to prove my identity so I did it then I called again to follow up and make sure they got my documents. They told me they have received the documents and they are currently in the queue for review. I was told to call them back in 3-5 days to follow up on the status. It has been over 3 weeks, I have made a total of 6 calls at different times and I was always been told the same lies. Until today, MARCUS still locks my account.
Product: Credit card or prepaid card

they wo n't let me access the system with an external app. They apparently, block 3rd party apps and I would like to use this app to help lower my bills.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called and asked Navy federal to initiate an international wire transfer to my account in XXXX, in the amount of XXXX. Because I dont have a us phone number, the agent could not send me a XXXX, so another agent called me to protect my identity. The agent pulled the screenshot of the back account and routing, said she would process the wire and hung up. Procedures were not followed, as a pre receipt that shows the info entered was not not provided to me, so I could not confirm whether the info they entered were correct or not. Found out The iban was entered incorrectly when I called Navy federal on Tuesday XX/XX/XXXX. NF said they sent a message with the correct I am to the receiving bank. As of today, the funds are lost, they have not been sent back to navy federal neither credited at the receiving bank. 
I called navy federal today XX/XX/XXXX, asked them yo credit the funds back into my account, place a note in roads and fight with the receiving bank to get their money back. Navy federal refused, the first supervisor said their management was still not in. I called, a new supervisor refused to let me die am with her manager, put me on hold, and returned on the line stating that they have to contact funds disbursement. This is navy federal error. Not even a case of fraud, as I sent the wire to my account at another bank.
Product: Debt collection

I have a collection reporting from XXXX XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.
Product: Debt collection

Good Day, My name is XXXX XXXX and I'm trying to get this alleged debt resolved. This alleged debt has been affecting my credit for years and I'm about to give XXXX to XXXX XXXX within the next month. I am about to go on XXXX XXXX or actually, I am on XXXX XXXX  and I don't have the necessary funds to pay this entire debt. Today 's economy is hard trying to make ends meet and this alleged debt doesn't make it any better. This will mean a lot if you're able to help me. Thank You and have a wonderful day.