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

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. ALSO SOME OLD ACCOUNTS CAME BACK ON THE REPORT AFTER A YEAR THAT IS FRAUDULENT I HAVE NO PROOF OF WRITTEN CONSENT THAT THE CREDIT BELONGS TO ME : I WILL SUE COMPANIES FOR ILLEGAL ACT! 

In accordance with the Fair Credit Reporting 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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 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 an 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 card

navy federal have not sent me my 1099c for the credit card.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by liquid.vip which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX XXXX XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX XXXX XXXX - XXXX - I do not know what this is. Please investigate and remove from my report XXXX XXXX XXXX  - XXXX - I do not know what this is. Please investigate and remove. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g. Please investigate and remove from my report.

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this investigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX  XXXX Balance : {$3400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX account is charging me {$250.00} for an amount I did not authorize. I was hacked and charged on my card and I reported all of it, then I closed my account because they kept charging. This is another amount I did not authorize. # XXXX reference # XXXX please help with this.
Product: Debt collection

LVNV FUNDING LLC {$1300.00} XX/XX/2019 Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this account that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. Thank you. XX/XX/2019.
Product: Payday loan, title loan, personal loan, or advance loan

When i apply they say XXXX days and we will send you a response and its always we can not approve you at this time.
Product: Mortgage

Please see # XXXX. I could not figure out how to add comments to my case. I spoke with XXXX XXXX at Bank of America today ( XXXX x XXXX ). She indicated that I must have asked for a refinance instead of a modification, I told her I requested a modification in writing. She said somebody must have misunderstood. She told me she looked at my file and my complaint is closed. I told her that if she would just look at the amount of my payment and compare it to 31 % of my income as Bank of America has determined it to be, she would see that Bank of America did not do the math correctly because my payment is greater than 31 % of the figure they are using for income. She told me that she WILL NOT do the math. My case is closed. I tried to tell her that it is clear a mistake was made, if somebody would just look at the figures. She refused, nobody additional will look at this. My case is closed. Bank of America continues to make errors and change their story. I have been trying to modify for 4 years and they make repeated errors and give me different answers and instructions. Please advise. I have done everything they have asked me to do and Bank of America wo n't even double check their math.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis and XXXX refuse to send me a copy of my report
Product: Student loan

I have two student loans that have been on forbearance for nearly twenty years. In the past ten years that the loan has been with Navient, they steered me toward forbearances instead of income-based repayments. I was in various states of unemployment and underemployment up until the past year. I want to pay the loan off, but the interest has ballooned the balance to three times it's original amount. 

The original amounts for the two loans where {$6100.00} and {$16000.00}, which have increased with interest to {$24000.00} and {$35000.00} respectively at 8.25 %. 

I'm currently in the process of consolidating the loans in order to avoid default. Navient offered income based repayment somewhere around {$600.00} a month, which I can not afford.
Product: Credit card or prepaid card

XXXX continues to charge my Chase card after the card has been removed from the app and after I have called them ( XXXX XXXX ) and have disputed multiple charges on my credit card. I was told when I called XXXX they removed the card from the account. Since then, I have been charged a total of {$140.00} over 5 transactions. 

Previously, I tried to contact chase and have my card number changed so XXXX was unable to charge my account. I was told by Chase they could not stop these charges with a cc number change because XXXX has a deal with retailers to automatically provide the new card number. 

I have exhausted my options and want these charges to my card to stop.
Product: Prepaid card

I have been getting false USPS mail. Most recently, False USPS mail NetSpend card.

I have alerted the company.

I have received no answer in a week.

I called several small business retailers in area. No one open account.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account on my credit report, report number XXXX XXXX that does not belong to me. The company that appears to be stating that it is my account is XXXX XXXX XXXX. In XX/XX/XXXX this company contacted me by mail stating I owed for an account in the amount of XXXX, they are reporting XXXX as of XXXX.Their amounts don't even match and I have not paid anything because it's not my account/ I wrote them a letter stating that it was not my account and that they needed to provide all and any documents for request for credit for the account. They were unable to provide and are in violation of 1681s-2 ( a ) ( 1 ). It appears that this company then placed this account for reporting to Experian in XXXX. I further requested documents from the company XXXX claims the original creditor is, XXXX and they could not provide. XXXX does not show this account on my report. Experian must maintain correct information on my profile and remove inaccurate information under the Fair Credit Reporting Act. This account needs to be removed. If Experian or the company that they have a paid relationship with for reporting can not provide me with the documents obtained to validate this account they are violating the law, 1681i ( a ) ( 5 ) ( A ).
Product: Payday loan, title loan, or personal loan

I have a loan with Sheffield Financial to purchase a riding lawn mower. I receive electronic statements into my email each month. I have paid my payment every month on time. I discovered while making my XXXX payment online that something happened with the XXXX payment I made online and it was not reflecting as paid. Immediately I paid a double payment because it was not my intention to be late. Sheffield 's internet records should show that I was logged into the account and on the payment page. 

Today I pulled my credit report and discovered that Sheffield is showing XXXX XXXX past due in the month of XX/XX/2019 but current after that. 

As a result, today I called Sheffield Financial and explained the situation and they refused to adjust the XXXX past due reflection on my credit report. 

I did not receive a late notice to inform me that my payment did not go through the online system effectively. I also did not get charged a late fee. Companies like Sheffield should send notices to consumers if they are late on their payments so that if something inadvertently happens online, they would have an opportunity to correct the situation. 

It has been XXXX  years since I have had a late payment on my credit history. I have worked very hard to not let this happen. XXXX inadvertent late payment is now going to affect my good history for XXXX  years.
Product: Money transfer, virtual currency, or money service

Filed previous complaint with CFPB against coinbase for inability to access account. I had been locked out of my account for over 3 months. Previous complaint was resolved with ability to access my account restored. That ability lasted about two weeks and then access has been denied me again with coinbase requiring me to give proof of my identity which I did as requested. They were supposed to respond within 48-72 hours it has been over a week now and I still do not have access to my account. They have sent an email saying the case is closed. I still do not have access to my account as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX To : Consumer Financial Protection Board From : XXXX XXXX XXXX CC : PayPal/XXXX California Attorney Generals Office Re : FAILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with PayPal.  I have made purchases though XXXX, and PayPal is refusing to pay the sellers for items I have won via auctions when they have deducted the monies from my bank account. PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since XX/XX/XXXX, the items are being sent to my home address and I have called them from my cell phone, the  phone number they have on record since XX/XX/XXXX and they have my social security number which all makes my account verifiable. PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding XXXX my financial information and I want it deleted from their databases. PayPal has been accused of having ties with XXXX and have been hacked XXXX only knows how many times. So, why on XXXX green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable! Due to PayPals negligence I am now being harmed and have incurred damages. Sellers are filing complaints with XXXX and writing negative comments about me for the public to see. PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over. XXXX will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with XXXX and that is being threatened by PayPals actions and inactions. I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as necessary. I have read numerous complaints about the same thing and this is unacceptable. Thank you, XXXX XXXX XXXX Enclosures : Bank Statements and PayPal Account Info
Product: Credit card or prepaid card

This card is issued to me as a secure way for child support to be deposited onto a debit card for the state of Wisconsin. For reasons unknown, the card is no longer working and is declining despite their being money in the account and available on the card. When I called into the customer service number, and enter my card information - an automated system states the following " You have an important message '' and transfers me to EPPICard Customer Service. I have not recieved any sort of email, letter mail, or correspondence from this company in regards to the " important message. '' I have tried calling into this agency numerous times and can never get through. Today, I was on hold for two and a half hours and was finally transferred to a representative who answered and then disconnected the call. It is important to note that I had the phone to my ear and was at home therefore cell phone service was not an issue. I have been trying to  make contact with this company for over a month now and to no avail therefore I am not receiving my child support. I am at my wits end and can not get through to a person to speak to in regards to the issues I am having with this debit card. I don't know what else a person is supposed to do to attempt to make contact with a company about the issues or how long my child has to go without the support that he needs. This company is a scam and is taking advantage of the states that choose to use their service.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Companies such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.inaccurate names alias and contact information. Hard inquires filed did not belong to me. I tried to dispute it and have not heard from the company. Class action data breach settlement paid XXXX after my information was exposed and used. Spent hours repairing and sent proof.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Caliber bal. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, XXXX  and experian have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX XXXX deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.