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

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXXccount Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX OF 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 XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I am still having difficulties for XXXX XXXX XXXX. to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. I am being taken advantage of badly by this fake company.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple alarming violations regarding my consumer credit report, which I believe entitle me to monetary compensation under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2. Specifically, I have identified unauthorized inquiries on my report which I did not initiate. These actions violate 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which governs the furnishing of consumer reports in connection with credit or insurance transactions not initiated by the consumer.

Upon reviewing my consumer credit report, I identified the following unauthorized hard pull : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stipulated under Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report in connection with credit or insurance transactions not initiated by the consumer only if : The consumer authorizes the agency to provide such a report.

The transaction consists of a firm offer of credit or insurance.

Additionally, FCRA 15 U.S.C. 1681b outlines the permissible purposes for obtaining consumer reports, which require explicit consumer consent. I have not provided any written consent for these inquiries, and I demand their immediate deletion from my credit report.

Furthermore, I have experienced identity theft resulting in the unauthorized use of my Social Security number. This has been reported to the Federal Trade Commission, and an FTC Report is enclosed for your reference. According to 15 U.S.C. 1681c-2 ( c ) ( a ), you are required to block and remove all information resulting from identity theft within four business days upon receipt of a proper complaint. The specific unauthorized accounts are 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  Failure to comply with these regulations is a violation of : 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance, with each violation incurring statutory damages of {$1000.00} or actual damages, whichever is greater.

15 U.S. Code 1681o - Civil liability for negligent non-compliance.

Additionally, your actions constitute : Defamation of character.

Negligent enhancement of identity fraud.

Multiple violations of the Fair Credit Reporting Act.

Violation of privacy rights under 15 U.S. Code 1681a ( 4 ).

To address these issues, I demand the immediate removal of the aforementioned unauthorized inquiries and accounts from my credit report. Enclosed, you will find the necessary information to facilitate this process.

Should you have any questions or require further information, please contact me at the address provided above. I expect a prompt response and resolution to this matter. Failure to act accordingly will compel me to pursue legal action, seeking damages for each violation as allowed under the law. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX account last week. I was denied so I wanted to know why I was denied. I called XXXX XXXX customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. I have also reached out to the FTC and my local police department and I am doing this on my own behalf. 
There are still items on my credit report that are not mine and need to be deleted from my report. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX
Product: Vehicle loan or lease

I believe I am caught in something called a " yo-yo '' deal and possible purgory or forging of my signature. 

on the XXXX of XXXX, I went to XXXX XXXX XXXX Mazda XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to see if I could trade in my current car on loan for a new one, to assist me in my monthly payments. 

They told me they could put me in a new mazda XXXX lease with better terms and would payoff the old car they requested payoff information from Mazda Financial Services, and had me sign and I got the new car, leaving my old one they were supposed to payoff with them. 

this information ( payoff quote ) was incorrect. I was told to come back after a couple days to sign on the new ( changed ) deal ... the new deal was {$200.00} a month higher ... they ran my credit again. I refused and then they told me the have sold the old car already and that they can not return it... 

I pulled out the app for my mazda and it showed the location as still being with them. catching them in the lie.

they pressured me into signing again with the even higher monthly payment. 

two weeks after this they called me again asking me to unfreeze my credit report so that they can change the deal to the correct one, they state that mazda financial services told them to do this. 

I called mazda financial services and they state no such thing. 

I am stuck in a yo-yo deal where I am paying for 2 vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I had an Auto loan with Credit Acceptance Corp. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX payments made on time are not reflected on my XXXX XXXX Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXXL ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX
Product: Debt collection

I am the the trustee and my brother XXXX XXXX XXXX XXXX. He gets XXXX a month to live on so, any other bills have to go through me, the trustee. My brother was sued by Professional Finances. I contacted them. First time I called on XXXX/XXXX/2016 I was told that case # XXXX was for XXXX bills but was n't told who, what, or why and it was for XXXX but, they would take XXXX. Then I was told there were XXXX more cases, totaling XXXX but they would take XXXX. I told them XXXX case for XXXX was already ( 10 days would be 4 years ). They said they could n't sue but lead me to believe they could still go after it.not according to nevada law NRS 11.190 ( 2 ) ( a ). I was told that they would take the XXXX on the XXXX cases and I could offer a settlement on the the others. I called back and was told I could make a settlement offer on all of the cases. I called back and made an offer. I was then told that the XXXX that was agreed to earlier was now XXXX and the the other XXXX cases were XXXX ( past 4 years on XXXX ), XXXX, XXXX for XXXX. They said they would take XXXX on it all well XXXX + XXXX = XXXX. XXXX + XXXX ( orginal numbers ) then XXXX + ( -the too old XXXX ) XXXX. When I asked why was I getting different number every time I called I was told it was because I spoke to XXXX different people. How do numbers change? I was told we settled on XXXX then it changed to XXXX. I was told I could make a settlement offer on the XXXX other cases then I was told I could n't. I was nasty because I had to call them 6 times and speak to supervisor and supervisor 's supervisor to tell them my brother would n't be recorded giving me autherization to handle his case. So, my brother called the lawyer, gave the ok, and got around being taped. I called 3 times and got XXXX different numbers and told different things each time and told it was because I spoke to XXXX different people. I want an itemized and told a supervisor that and he said he could n't do that. Why ca n't I have that? I want the numbers justified and on paper. Why ca n't I have that? I was told I could make an settlement offer then I was told I could n't. We had a settlement in place with XXXX case and they changed it. How can they do that?
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized accounts.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.
Product: Debt collection

Despite submitting my request on XX/XX/XXXX and XXXX AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Product: Credit card or prepaid card

I am using Moneylion prepaid card to receive my work payments and the card is not trusted everywhere so I have to transfer money to other cards to make purchases. Moneylion froze my account claiming it is because of fraud. I turned in all documents needed and still am unable to access my money after two weeks of being told it would be unlocked after 48 hours. The people I have talked to have been rude and giving me the run around. Which leaves me to believe they are playing games and never really escalating anything.
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Mortgage

I was askin g for Loan Modification and Ocwen was always sending me Pay off Qoutes. I enclosed under your discretion that the L oan I originated from them since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date. Attache d is Ocwens p ay off valid through  XXXX   XXXX . Please analyze the following invalid descriptions on Ocwens Pay off Quotes such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not  valid Ocwen 's Description expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Ocwens claim. Ocwens Pay off Quote should be corrected in the right way. Ocwen is doing business with their mortgagor like me were faulty and unlawful. I want Ocwen to remove descriptions that are not legal. Ocwen is obliging added invalid fees for me  to pay them more that are not lawful.
Product: Credit card or prepaid card

Last 2 years ago, I had opened up an account for a debit card at Bank Of America. Everything was working perfectly fine, It was my favorite bank so far other than using XXXX XXXX. I used it for everything, my work checks, purchasing items, sending money, ect. I had it only for couple months. After a few months of using the card, I had went out to a party & lost my whole wallet which it included my Bank of America Card. I didn't realize that i've lost my wallet until few days later, the minute i found out i went onto my BOA app and locked my card immediately. I made an appointment to go in & tell them what happened so i can get a new card replacement. They told me I am no longer & banned from creating any account or getting a card from Bank Of America. The XXXX lady told me that there was a fake check or fraud activity that happened on the account! I told her it was not me and none of it was my actions. I didn't know what was going on. She gave me a number to call and talk to the agents but at that time, i didn't take it too serious and was rushing to just get a card so i can make sure my direct deposit checks was coming in still. I ended up moving on to just stick with my other debit card which is my XXXX XXXX  card. As soon as a i turned XXXX ( which i turned XXXX 4 months ago ) I wanted to apply for a credit card to start building credit .... Every single one of the credit applications had denied me! I got a mail sent home to tell me what was the reason, coming to find out i am on the blacklist. I had no idea this would affect my future. It is unfair to me because I lost the card before i turned XXXX, somebody took advantage of it and used it to try putting in fake checks. Now that i am XXXX and actually have plans ahead of me, i can't even start building my credit because of something that happened 2 years ago that was out of my hands and control!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to this company on XX/XX/2022 but they did not update the status of my report or they might have completely ignored it, either way, it was a violation of the FCRA law. I want the CFPB to have records of these complaints for reference because I might come in handy in the future.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Apo ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 requirement 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: Debt collection

In XX/XX/2016 I moved out of XXXX XXXX XXXX XXXX XXXX, I had over paid an extra months rent. After moving to the other side of the US I saw that I had a collections waiting on my credit report. I called and they said that they mailed me the letter but it was returned to them and on top of such I was not being refunded any money but then being charged more money. They now want {$1600.00} to the sound collections company. I have still yet to receive anything physical about this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX, Account number XXXX XXXX Account number XXXX XXXX Account number 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
Product: Money transfer, virtual currency, or money service

I tried to close my Coinbasepro account which had {$67.00}. I pushed the wrong button and accidentally transferred {$67.00} from my XXXX account into the Coinbasepro account, increasing the balance to XXXX. I contacted XXXX to stop the transfer of money, which they did. Coinbasepro does not allow cancellation of transfers. I log back on Coinbasepro and try to transfer my funds back into chase to close the Coinbasepro account, and now I am greeted with a warning, telling me that my ability to withdraw has been restricted unless I come up with {$67.00}! They are saying that I owe the {$67.00}. I can not get my remaining balance out, and they are now charging me {$2.00} each day I am delinquent. 
Coinbase Pro does not have any customer service phone number or email. Just automated service that does not answer specific problems. Date of incident XX/XX/21
Product: Credit reporting or other personal consumer reports

I was a victim to the XXXX data breach
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting

There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove
Product: Debt collection

I C System failed to provide any initial communication within 5 days of obtaining this debt that was originally was resold from another debt collector and is a violation of the Fair Debt Collection Practice Act, section 809. In addition I C System hasn't been able to provide any original application or verification obligating me to the debt in question. I C System must cease and desist all collection efforts until the necessary documentation is produced, and immediately remove this account from all 3 consumer reporting agencies if unable to do so.
Product: Credit reporting or other personal consumer reports

Debt securities being created in my name with no equity for me. 

Violation of the privacy act of 1974 with the sale of my personal information. 

15 U.S.C 1692A-B Under the ECOA 15 U.S.C 169, it is unlawful for a lender to discriminate on a prohibited basis in any aspect of a credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX