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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

( Apple, Goldman Sachs Bank ) ( XXXX ) ( XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person
making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



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

On XX/XX/XXXX, I received a 1099-K form from Block, Inc. indicating {$1800.00} in payment transactions in XX/XX/XXXX. I have never had a CashApp account nor did I receive these payments. I contacted CashApp, who did provide information about reporting identity theft. However, they refused to close or suspend the account, or even confirm if it was still in use, despite it being opened using my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I began the process of placing a credit freeze on my Equifax credit reporting given the huge breech of data that was reported. I attempted at that time to place a freeze, and was given the message to log back in today, X/XX/17 to finish placing the freeze ( not sure why this is a time delayed, two step process ). I attempted to do so today but was met with an error message, stating that the security freeze could not be put in place online at this time. I then attempted to access their customer service center to ask for assistance, and the online customer service center also produced an error, and did not redirect or feature any other options. Given the severity of this breech, I 'm astonished that their online presence is incapable of putting in place a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out the bankruptcy letter to TransUnion and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it
Product: Mortgage

I Refi 'd XXXX loans XXXXVA, XXXXFHA with Network Capital Funding after closing the funds ststed in the signed DOCs the funds were not distributed as Pre closing docs.. I was told they adjusted the fees and other Items after signing that was not in the closing DOCuments. Se Attachment for details. 
In addition rate discount fees were added from the original GFE, which at the time I did not catch at signing
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, one of the three major credit reporting agencies. Despite multiple attempts on my part to resolve a serious issue involving a fraudulent account on my credit report, Experian has failed to address my concerns adequately and in compliance with federal consumer protection laws. 

On XX/XX/XXXX of this year, I notified all three credit bureaus, including Experian, of an account fraudulently opened under my name. I filed a formal report with the Federal Trade Commission ( FTC ) to back up my claim and requested the removal of this account from my credit report. 

XXXX and XXXX promptly deleted the fraudulent account from my credit reports. However, Experian responded by stating that the account was " verified ''. I followed up with a second letter to Experian, detailing my dispute and requesting proper investigation into this matter. 

In response, I received an automated email from Experian stating that no action will be taken, as they believed the dispute to have been filed by a " third party ''. I affirm that this is not the case, and I am personally seeking the correction of my credit report. 

Therefore, I am seeking your assistance in requiring Experian to : Conduct a thorough and proper investigation into my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 
Remove the fraudulent account from my credit report, as already done by XXXX and XXXX. 
Remove any address associated with my credit report other than my current address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Provide financial relief for their failure to investigate properly and comply with the FCRA and related consumer protection laws. 
Experian 's lack of proper response and their failure to conduct a thorough investigation as required by law has caused me significant financial and emotional distress. I am hopeful that the intervention of the CFPB can lead to an expedited resolution of this matter. 

I appreciate your prompt attention to this issue and look forward to your response.
Product: Payday loan, title loan, or personal loan

I have made multiple attempts in the course of many years now to try and find a solution with the bank on my personal loan. The minimum payment is too high. And the bank time and time again refuses to discuss options or programs they have available. Emails to their CEO including upper level management personal have gone unanswered and to my assumption probably deleted unread. The bank is well aware of my difficulty with repayment. And instead of helping me as any other bank has they have instead killed my credit to the point I'm considering bankruptcy and other services to discharge this bill and end ties with the bank. 

I have mentioned that I can and will only be paying a lower amount month on my loan. This is probably going to cause them to keep sending late payments to my credit and piling up fees on me. But at this point they can can do whatever they need to as they can't hurt my credit any more than it is. And if I mentioned that the lower amount is all I can pay, using force to get more will result in no additional payments as I'm literally giving everything I have in my possession to make a payment. I'm not refusing to pay. I'm making the payment I am simply not making the agreed upon payment because I can't do it anymore due to financial hardship. 

Today, I've attempted again to get help. The bank asked me to fill out a refinance application which they knew their system would decline. Basically making a mockery of the situation and bullying me. This is a new level of unprofessionalism I've ever seen. And board-line harassment. I have every single email sent including all my attempts to work with the bank documented. I've made every attempt to pay back what I am responsible for as that's the focus of this compliant. I want to pay it. I just need help. The bank probably made back at this point the entire value of the loan in interest payments that they have been charging me. So the bank isn't at any lost to work with me. It would be a win for them as they make even more money out of me while in the process making sure to make my life XXXX for many years to come. They win, and I lose big. 

Again, my complaints and escalations are all in attempts to secure a new agreement with the bank to be able to reduce my minimum so I can satisfy the enter amount. If the bank works with me and is able to reduce the amount then this compliant is satisfied. If the bank continues to play hardball I will continue to move forward with escalations and complaints until we can agree on something that works for everyone. 

I'm not running away from trying make payments I'm just trying to instead make the payment without further harassment from the bank. I look forward in hearing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax, as well as the other credit reporting agencies, should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. In addition, changing the PIN with information that was already stolen is ridiculous. This is not only unsafe, but will allow further unauthorized use of your identity.
Product: Mortgage

we were advised by the lender the file was removed from review due to missing items - All missing items were provided for the review 3 times and the lender refuses to accept the information being provided - it was requested to provide the clients husbands income for review of the modification - XXXX XXXX is not on the mortgage and did not start work until XX/XX/XXXX he has been unemployed since XX/XX/XXXX- XXXX does not have a bank account - all transactions are completed by cash only - there are no tax returns due to the business being only started since this year and he is not required to file for the earning of this year until next - We were also advised that a sale date was set on this file XXXX - when the file should and was under review with the lender - the lender has set this date for XX/XX/XXXX - this is considered Dual tracking and is in violation of Regulation X. The file should have been deemed complete for this review - the lender has been provided a letter of explanation regarding the husband 's income to satisfy their requests. We have also requested the income from the husband be excluded from the review if the Letter of explanation is not satisfying the requests. The lender has not completed the review of this loan properly and did not reviwe this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptc 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 DEBT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : OHIO XXXX XXXX XXXX ) XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Was overcharged for vehicle with unfair and deceptive and predatory lending tactics. Was given an APR rate which exceeds the legal state limit. Contract was not explained to me nor was I aware that I was paying hidden fees which sent me into debt.
Product: Debt collection

XXXX was owed XXXX by XXXX XXXX XXXX  as a benefit to me during XXXX. XXXX XXXX  of XXXX XXXX paid  XXXX XXXX directly. Diversified Adjustment Service , Inc. never alerted me in writing by phone or by email that they were intending to collect a debt. Had they alerted me I could have provided to them proof that the XXXX was indeed paid in full and there is a XXXX balance. Diversified has listed this on my credit report WITHOUT any notice whatsoever to me which has negatively affected my excellent credit standing. I only found out that this item was added to my credit report after applying for a loan and being denied. XXXX provided my credit report and I have disputed the debt as it is indeed paid and should never have been placed on my report I would like the collection removed in its entirety from my credit profile on all bureaus
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name XXXXXXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

I was asked to verify again in XXXX and provided them with a passport photo which was accepted and got the account unrestricted but then a few months later i received an email telling me my account would be restricted again as my account was under review, a process that they said would take a few days. I dont mind having my buy and sell capabilities suspended but i cant even send my assets to a different exchange. They ignore my emails, customer support requests and tweets and it seems like my money is gone forever, they have taken it with no route to get it back. Coinbase are doing this to many people and its unacceptable
Product: Credit reporting or other personal consumer reports

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers :
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is   XXXX   XXXX   XXXX    XXXX   XXXX  Md  XXXX  not  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX   XXXX    XXXX      XXXX   XXXX   KY  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  XXXX .
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since I started having Bank of America I noticed how my transactions disappear and the money I have available doesnt add up. For example on XXXX when I went to bed I had {$140.00} in my account, when I woke up there were no new transactions but my work check deposited and there was XXXX. I should of had XXXX in my account but the bank is charging me twice for transactions that are processing and already taking out of my available balance. Another example XXXX took {$16.00}, and {$100.00} twice out of my account unauthorized. There still is a processing XXXX on my account and the other one disappeared. The XXXX XXXX gave back to me but for some reason both of those transactions are missing from my account. How can they erase my transaction history
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX/XXXX/2022
Product: Debt collection

I was never notified from NCC business services about this debt being transferred to them for collection. According to the fair collection act law, as the supposed debtor I am required by law to be notified of such action by written 30 day notice.The original debt is from XXXX at XXXX which I gave my forwarding address to. I made arrangements with their property management company to make payments on this debt. The management company name is XXXX XXXX. I have made two payments to this company via my checking account. I was paying as agreed, one payment on XX/XX/XXXX for {$120.00} on line and another {$50.00} payment via Mail with check # XXXX, XXXX XXXX  dated XX/XX/XXXX which had not been deposited until XX/XX/XXXX for payment. However it is stated on my credit report that last payment received was XX/XX/XXXX this date is inaccurate as well. I have made several attempts to contact the original debtor concerning this matter and have left several messages with no response. Also I have disputed this item with all 3 credit bureau agencies, XXXX, XXXX and XXXX XXXX.
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. 

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 XXXXXXXX and list of Inquiries. 

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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am making a complaint about XXXX XXXX on XX/XX/XXXX, I received an email saying that I can pay off my loan for a lesser amount to get my title. The original loan amount was XXXX I was told I could pay XXXX to receive my title, and be released from any loan obligations and my credit would show a balance of paid in full. On XX/XX/XXXX of XXXX I unfortunately was in a car crash on XX/XX/XXXX of XXXX, My car was declared a total loss. On XX/XX/XXXX, I called XXXX XXXX and was told I had a remaining balance of XXXX  by the XXXX XXXX representative, I made the following transactions XXXX at XXXX XXXX, XXXX XXXX XXXX  and the XXXX  payment XXXX at XXXX am, I had called to talk with my personal advisor XXXX around XXXX XXXX, I was told my XXXX my obligation was fulfilled and she will expedite it, so my insurance payout would not be touched, my credit will be updated within XXXX XXXX  days, I could not received a confirmation email, I would receive something in the mail within XXXX XXXX days! On XX/XX/XXXX my insurance general paid XXXX XXXX XXXX, it cleared on XXXX/XXXX/XXXX since I had paid off my obligation a XXXX  prior, and was assured that my insurance payout would not be touched, XXXX should have not accepted anything from my insurance, the general! I don't know if it was a system glitch! On Friday XX/XX/XXXX at XXXX I had called XXXX to ask them why it was taking so long for them to send the money back to the general! I was told that they would be keeping a portion of my insurance payout and I would receive my last payment back of XXXX in the form of a gift card by crystals supervisor, who said on XXXX  XXXX XXXX he would call me back with XXXX but that never happend! I did call XXXX back on XXXX XX/XX/XXXX when I asked to be transferred I was told to write an email which I did and never got a response back! XXXX XXXX claims my insurance paid them on XXXX XXXX and it cleared on XXXX XXXX canceling out the payout offer! I have proof stating otherwise from my insurance company and my insurance could not have paid them XXXX  days after my accident because it wasn't declared a loss until XXXX XXXX. XXXX XXXX is still reporting on my credit the amount of XXXX as of XXXX XXXX, it only lowered to amount reflecting my last XXXX payments in XXXX and XXXX!