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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by JP Morgan Chase Bank and XXXX XXXX from my credit report. 

Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. 

Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

I have requested validation from XXXX XXXX XXXX, they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX XXXX. This account was previously removed from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$490.00}. I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

1 ) I paid off the balance of the loan on XXXX, amount was {$4700.00}. Ditech reflected this payment on a statement they sent me dated XXXX. 

2 ) Even though the loan was paid off on XXXX, Ditech put through two monthly auto-draft payments for XX/XX/XXXX and XX/XX/XXXX, each in amount of {$1200.00}. For a total of {$2500.00}. 

3 ) Ditech sent me letter dated XXXX saying " your loan is paid in full '' and stated they they would send me any leftover escrow funds. I received the escrow fund balance check for {$2600.00} on XXXX. 

4 ) As of XXXX Ditech still owes me the {$260.00} for the two auto-drafts in XX/XX/XXXX and XX/XX/XXXX. During the month of XXXX I called their customer info line ( XXXX call center ), THREE TIMES, and each time was told that they understood the issue and that I would receive a return call to clear it up. It has never happened. 

5. I am considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX****. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Debt collection

was contact around the XXXX of XX/XX/2021 by all tran who provided me an address and I stated that I no longer lived there and they said they sent a letter there disclosing my business to somebody else that's not a friend or family then he demanded my new mailing address which I provided to him in agreement that he would send proof that I owed the debt along bills sent from Arizona state and there was nothing of that sort included in the letter just a piece of paper stating they received the account in there office and that letter was dated XX/XX/XXXX of XXXX the debt collector XXXX XXXX with alltran education financial called me on XX/XX/2021 and kept asking me what my plans were after I told him multiple times that I no longer wish to communicate over the phone and I only wished to receive written documentation thru the mail and I was forced to hang up because he would not respect my rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX I want the CFPB to publish
Product: Checking or savings account

Chime online banking closed my account on XX/XX/2021 the amount in my account was XXXX, and I never received the funds back. 
My name is XXXX XXXX XXXX Mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the late payments on XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX account for months with no result. Not only that, Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I reached out to the credit reporting agency to dispute the inaccurate accounts, and unfair reporting of personal private information. These accounts are no showing in all 3 reporting agencies and or the amount due are different along with the time of the accounts. This unfair reporting is causing me and my children financial problems, I am unable to obtain a home due to these reports, and they are damaging to my character.

15 USC 1681 section 602 A States I have the right to privacy, it also states a consumer agency can not furnish a account without my written instructions 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate 15 USC 1681c ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which end dates by more than 7 years These are the accounts that I am referring to ; 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

As of Today XXXX XXXX XXXX XXXX your company needs to delete these accounts below and if your company does not delete these accounts within 3 business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was unaware of this debt. I did not have a opportunity to deputy this information. If in fact you believe you give me proper notification. Then please send me the certified mail receipt with my signature. Also can you furnish the contact or agreement. Between you and I with my signature on it
Product: Payday loan

Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.
Product: Mortgage

If these advocacy would just get out of my way I could pay but they keep putting their nose in the way, us bank that is ... It dose feel like being XXXX in both feet.. 
This is the only way they listen to any thing..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 requirements 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: Checking or savings account

on XX/XX/year> capital one banking decided to discontinue business with me due to a verbal dispute i had with their customer service rep. capital one closed my savings account which has XXXX in the account and my checking account which has XXXX in it. they gave absolutely no warning that this was going to take place or give a deadline to move my funds to prevent financial hardship. Since capital one decided to discontinue business, fair business practice would be to have contacted me first so i can make arrangements to transfer my funds. this my hard earned money i worked for. what right do they have to put me in financial hardship. i feel like my money was stolen because im not getting an answer on where my money is. i have absolutely no access to any of my funds. capital one has placed me in financial hardship i have financial responsibilities ( i.e, car payment, rent, utility bills etc. that are due now ). i was told that my XXXX is being mailed to me through regular standard mail and and i can expect my check within XXXX to XXXX business days. i have not gotten any feedback on the status on the status of my funds in my checking account. my check can be stolen easily in regular standard mail capital one clearly has no regard for this matter my XXXX check they allegedly mailed. i asked why would they not send my check overnight mail i was told by the phone rep thats how they mail checks out. On XX/XX/XXXX i went to the capital one branch located at XXXX XXXX XXXXXXXX XXXX, ny XXXX at approximately XXXX. I spoke with the branch manger XXXX to discuss writing me a check for my funds the branch manager stated she can not help me or give me any of my money. i have no cash. The actions of capital one has been detrimental to my mental health. I cant sleep i have high XXXX, deeply XXXX, and extremely frustrated. This is my life savings i worked for and earned rightfully capital one has no right to instill their own form of discipline over a verbal dispute to this extent. If they decided they didt want to do business with they should have contacted me and set up a way for me to get my money from one of their local branches this was done unfairly and there needs to be accountability on capital one. these actions are unprofessional and in my opinion whomever made such decision did this to hurt me and to be spiteful this is just pure evil i seeking justice on this matter through civil action against capital one. im not letting this go!! LAWSUIT!! i have a XXXX XXXX XXXX daughter i have to care for and we dont have access to funds because of the spiteful unprofessional actions of capital one.
Product: Mortgage

Today, I had a lender pull my credit for a new home loan & I was shocked to find out that Select Profiolo Service had been reporting me late on my mortgage with them even though I had requested forebearance during covid due to loss in income. I was informed that I was reported 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

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

I set up a transfer using the XXXX  application in connection with ria money transfers on Sunday XX/XX/2022 at about XXXX. The system said the funds would be available in 5 minutes to my receiver in XXXX. 5 minutes pass no update nor was the transfer completed. Several minutes later I get a message from rebtel the money transfer is in progress. I am extremely confused so i contact XXXX  they have no answers. I ask them for updates they can't provide any but they keep vaguely telling me they have contacted their provider but still my money has been deducted from my bank account and I have no updates. 12 hours go by I try to reach their provider ria money transfers and they refuse to speak with me and tell me that I need to have XXXX  on the line for me me to be able to speak with someone about the money they have taken from my account and did not transfer to XXXX. As the 24 period passes since I first sent the transfer XXXX email XXXX  to cancel the transaction and refund my money. XXXX ignores my messages and I can't reach anyone. This is truly a scam, neither XXXX or ria money transfers are responding about this transfer but they have deducted full money from my bank account. I can't get answers, the money is gone from my bank but still hasn't been delivered to XXXX its been 2 days now. This is really unethical.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A installment Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A installment Account name XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX A installment Account name XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Revolving Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX revolving Account name XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX installment Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX A line of credit Account name XXXX XXXX Account number XXXX XXXX oped XXXX, XXXX, XXXX A Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX These XXXX have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Ive disputed this several times, these late payments on my credit report are inaccurate
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This is an unverified debt and I've already filed chapter XXXX bankruptcy prior to the date of the debt ( s ).
Product: Debt collection

I obtained cellular service from XXXX in 2014 ( Account XXXX. XXXX ) ; however, it did not work at my location. We spoke with XXXX employees that told us we could get a refund ( see attached ). We were then sent notices ( and continue to do so ) from various collection agencies ( XXXX and XXXX and most recently Diversified Consultants. XXXX XXXX XXXX ). We have sent the first XXXX copies of all correspondence and never heard from them again. Now we get the same notice form Diversified Consultants , Inc .
Product: Credit reporting or other personal consumer reports

Recently, I looked a copy of my credit report and noticed several Inaccuracies on my accounts. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It Also States a consumer reporting agency can not furnish an 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: Debt collection

Total Visa is alleging I owe a debt that I do not. The contract that is between them and I is the security being used to raise profits and be sold for profits. Upon pulling their incorporation Total Visa failed to mention that these are their business practices. Furthermore banking products are insured under FDIC so each customers account is protected from liability and these companies never take a loss. So what Total Visa is doing is known as extortion. They are damaging my credit in an attempt to make me pay a debt I do not truly owe. Total Visa failed to state weather they are engaged in security trading because I found them listed on the FINRA and SEC website which both have strict regulations when it comes to handling securities of their investors and since my security was never returned to me when they closed the account this is the very definition of fraud. Further more if any account is charged off with a balance federal law also states that any balance over a {$1.00} is due to the consumer not the creditor. Is Total Visa stating they do not have to follow federal regulations?