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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

Hello, All of my accounts have been hacked /compromised by hackers.CHASE BANK is not believing me that the hackers have stolen money out of my checking, savings account totaling {$5000.00}, some of my bills are being paid but I dont have any money because my account is in the negative.How can I pay my bills if my checks are being taking away from me. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX, XXXX, has Violated my rights. 

15 U.S.C 1680 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 without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In Accordance with the Fair Credit act XXXX account # XXXX, has violated my rights.

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

As per 15 USC 1611 XXXX, TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and REMOVE them immediately in my report : 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: Money transfer, virtual currency, or money service

{$9000.00} wire transfer sent on XX/XX/ and confirmed on XX/XX/ has never been credited to my account. This has been going on 13 days with no contact from Coinbase support. I was able to contact the bank and they initially told me no funds were received under my name. After providing further documentation they were able to find the funds under the Name of XXXX XXXX ( my bank ). I was told that the funds will not be able to be credited to my Coinbase account and that they will EVENTUALLY be returned to me. I am required to send an email to their compliance department. The email was sent immediately on XX/XX/ and was later returned undeliverable due to the address not being able to receive email. I have yet to receive my funds returned to my account. {$9000.00} tied up for 13 business with no end in sight. Please help.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$53.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have reviewed my credit profile and noticed accounts and personal information that I havent given written instruction to 3rd parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b- PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT, I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My partner and I have a mortgage with Sierra Pacific Mortgage, 1 XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Their phone number is XXXX. The monthly payment is {$2300.00}. We routinely split the mortgage and send in two checks and have had our mortgage for 5 years with them. This month, I made a mistake on one check, wrote out the wrong amount, though I did put the correct amount in the numerical portion of the check. I mailed the two checks in on time, they arrived with four days to go. I just found out today that Sierra Pacific would not accept the check that was in error ( but cashed the correct one ) and simply put a late charge of {$85.00} on my next month 's statement which I received on XX/XX/XXXX. I am a senior, living on a tight income, and {$85.00} is a hefty punishment to pay just because I likely had a senior  moment and made a simple mistake. I'm also amazed no one at the company contacted me by phone or email when the mistake was noted, which would have given me time to correct it before the payment was considered late. I called and spoke with a supervisor at Sierra Pacific today - she refused to consider waiving the late fee - I had a one-day late payment last year ( first and only one with them ) and they waived the late fee on that one last year, and she explained to me that their policy is that on a 30 year loan, they are only allowed to offer just one waiver in 30 years. I emphasized that my payment was not late, it was just a stupid error, that could've been quickly corrected if someone had notified me. I feel being stuck with a {$85.00} penalty is a punishment that does not fit the crime. Can CFPB help me with Sierra Pacific to get the penalty fee either waived or at least reduced? I see a major difference in missing a payment and sending one in on time but making a simple mistake. Thanks.
Product: Credit card or prepaid card

PayPal created an account on my behalf without my consent and knowledge. PayPal kept sending emails to inform me that they restricted my ability to use the account they created on my behalf. I am not able to make purchases online through websites that use PayPal. I contacted PayPal and asked them to delete any account they created without my consent. Unfortunately, they refused to do so and asked me to provide sensitive personal information like driver 's license and utility bills via email. I refused to share my personal information with them. I contacted my financial institution/ bank to cancel my credit card and issue a new one. I don't want XXXX to have access to my credit card account. I tried to make purchases online, but I was not successful due to the restrictions imposed by PayPal. I am seeking your assistance in resolving this issue and being able to make purchases using my credit card without any interference from PayPal. I also would like to close the account that PayPal created without my consent.
Product: Debt collection

Heights Finance has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Heights Finance in the past or present, If Heights Finance feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Heights Finance can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
DEPTEDNELNETXXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed that I have a bankruptcy on my Transunion and XXXX reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus before about the inaccurate information and they did nothing to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please be aware that my name is XXXX. On XX/XX/XXXX, I received a letter in the mail titled by the company name Alliance One, Receivable Management XXXX. which is a debt collector agency. I called them up and come to find out they were trying to collect on a Debt that was transferred from XXXX even though I was already addressed that the debt was time-barred and had reached it statute of limitations dead line as of XX/XX/XXXX this debt happen to be the debt that was allegedly owed to XXXX Court of XXXX. Please note it is illegal for anyone to try and collect on this debt since it is time barred. The customer service representative of Alliance One told me that it was a "Fresh Debt" which is not true. I believe XXXX is in violation and may have purposefully tried to reset the time on this debt which is also ILLEGAL.
Product: Debt collection

XX/XX/22 called collection for a cease and decease oral form of communication and by all mediums including my credit report. 
XX/XX/22 received a letter from collection saying until debt is paid they will continue to report information to my consumer report. 
I asked if they can provide me a signature saying that I owe the debt and was told they don't have the original instrument providing me my entitlement to the indebtedness,
Product: Checking or savings account

I opened a checking acount at M & T bank online, i went to the XXXX branch to make my first {$50.00} dollar cash deposit everything was fine next day i decided to open a secure credit card made an apointment came in deposited the {$250.00} cash required gave them my state of NJ government issued id and social security card and a letter from NJ unemployment i was told everything was fine, after that i deposited another {$500.00} dollars in us cash currency into my checking acount which i was told was open and the following morning another deposit of {$300.00} cash us currency into checking so i could open up a couple of secured credit cards one with XXXX for XXXX i gave them permision to take and XXXX for another XXXX permision after almost 10 days i received a phone call saying the bank needed more identification from me because they were issuing a credit card i told her close the saviings put it in the checking forget the card .knowing i was being discriminated against by people who i believe secretly hate Americans i decided to call and speak with a different branch manager to see if i could resolve the issue i made an apointment with him to come in the following day i asked the problem he told me to bring more identification he called the XXXX manager and made anapointment for me to bring in more identification i even brought my lease and wasted more of my time after taking and copying my paper work i was told my acount s were closed they made me drive to the bank for nothing they knew wthe evil they were planning in advance they admitted to talking to each other until i confronted them about it
Product: Checking or savings account

I am my mother 's only POA now that my sister recently passed away in XXXX of XXXX. My sister had a joint account with Bank of America for my XXXX  mother to take care of her expenses due to her having XXXX XXXX XXXX XXXXXXXX and living in a memory care facility where she does not leave the property. After my sister passed I moved up to head POA with legal documents to prove that. I brought all the necessary documents to Bank of America and was told they would send to their legal dept to get approval to add me as a signer on this account. Well shortly after that the bank froze the account and refused to talk to me. I contacted an attorney as instructed because two case managers ignored my request for more information. My attorney sent letters to them approximately one month ago and have yet to hear back from them regarding a resolution to this matter. I am only trying to help pay for my mother 's care as she is XXXX  and unable to do so for herself. I think this has gone on long enough as it's been 4 months since the account was froze and put on hold.
Product: Credit card

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

Self is now in violation of copyright infringement laws by misusing my copyrighted commercial property which is my name. I have owned all rights of my intellectual property known as XXXX XXXX XXXX XXXX XXXX since XX/XX/. Self does not have my permission to use my name in ANY capacity.
Product: Vehicle loan or lease

We are looking to buy a new car. Two companies pulled credit score both received it from Experian. One company got score of XXXX and the other a XXXX. How can this happen from the same credit company? The scores were pulled within two days of each other. Also if XXXX claims to keep accurate credit scores, why are they always different when scores are pulled from loan company?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX  ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00} ; XXXX/XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

This complaint is against several institutions ... I had the bad Countrywide XXXX XXXX & HELOC home loans that were at the center of the financial crisis. I was wiped out in XX/XX/XXXX & fought to hold onto my home with countless refinancing attempts .The servicing was taken over by B of A. I was able to modify my XXXX mortgage but not my HELOC which went into foreclosure XX/XX/XXXX. I worked tirelessly to get a payment I could afford with no assistance and had to file Bankruptcy to stop the foreclosure. I ended up having to sell my home which closed escrow XXXX XXXX ... but the nightmare continued. B of A held the payoff funds ( over XXXX ) for 6 weeks for some reason, during that time they sold the loan to XXXX who kept trying to collect mortgage payments from me saying I was behind and they were going to begin foreclosure again, the funds went missing, B of A wired the funds to XXXX with the incorrect account #, XXXX sent it back to B of A, B of A sent it to the title company, who sent it back to B of A, who sent it back to XXXX who wanted more than the payoff amount. This went on for 2 months without anyone taking responsibility for it. It was an absolute disaster. I finally found a department at B of A who would complete the transaction. No one even apologized for the incompetence. I 'm sure my experience with these big banks in not unique but I felt powerless against this system. They held my life ransom for years and I want retribution. In XX/XX/XXXX I joined a XXXX lawsuit XXXX vs B of A which is still and active suit & paid over XXXX to a firm XXXX XXXX in California who has just been shut down as fraudulent and now all of the plaintiffs are without an attorney to protect us. It feels as if the consumer just continually left holding the bag ... We have no power or rights. It 's been devastating.
Product: Credit reporting

I did everything I can do to work thing out with Equifax for changing the comments and the payment history cause a negative change it my credit report. That little change cause a big change on my credit report and I clearly sent over the documents to prove what happen to my account and Equifax did nothing to help me. Equifax open up a new dispute that can take 30 to 60 days. Taking me out of business I can not believe this just happened to me. I ca n't sleep eat I am about to lose everything I work because of this. All I ask was to remove the account until XXXX responds back to your dispute. Why do I have to suffer. I even open up a case with the Attorney General I might have to get legal help to get threw this. Equifax you 100 % made this error I ca n't believe you did not help me and I sent you over all the proof. Account changes, credit score changes with dates what else do you want from me. I attached the dispute that Equifax just open up and also proof I made a compliant to the Attorney General. I feel like I am in a nightmare and can not wait up. 6 years down the drain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had cell phone service with  XXXX . I cancelled my account and was sent a final bill. I did n't pay the final bill. I do acknowledge that I owe  XXXX . I have tried to pay the amount I owe with the credit collection company  ( S.W Credit systems ).  They are telling me I ca n't pay the original amount I owed anymore. They are wanting me to pay for charges I did n't accrue.  XXXX  continued to charge me even though I had switched to another company. I have disputed this account before. It was then removed off my credit report. Now  XXXX  has sold the account to  SW  credit system. This is illegal. I feel like  XXXX  keeps a saying that the debt and/or issue is resolved and then they sale the debt to another collection company.
Product: Debt collection

Phoenix Financial Services ... They claim I owe a debt of {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the supposed creditor. I do not owe this money never even heard of them. They issued me a statement on XX/XX/XXXX. I have talked to them when I tell them I didn't owe the debt or to explain what the debt is from they hang up on me.