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

i have send dispute letter to TransUnion on the accounts reporting and listed in the letter and i have not received any response so i am asking the remove and delete the account after 30 days fair credit report act laws.
Product: Student loan

I spoke with them regarding the incorrect information on my credit report on XXXX at around XXXX I was told by XXXX XXXX that due to the incorrect information that they had on file that I should dispute the reporting of XXXX late payments
Product: Credit reporting 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00}
Product: Credit card

My XX/XX/XXXX statement arrived and upon review I had noticed charges that I did not make. Futhermore, I only made XXXX purchase. Second, I contacted the company and they stated they would dispute the Item. I made only XXXX purchase at XXXX time. Then stored the card. I made the XXXX purchase to help build my credit. This has been a on going problem with many different companies, That is why I am tell you about this to maybe stop this trend or whom ever is doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with XXXX XXXX. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with XXXX XXXX and they delete the trade line, only insert it back on my credit repots again with new 30 day lates. 

XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true. 

Equifax also refuses to allow me to dispute the trade line with XXXX XXXX. They give no reason why, they just refuse to allow me to dispute the inaccurate information.
Product: Debt collection

Debt is not mine, I do not owe The Moore Law Group, A XXXX XXXX. any monies. 

Has not shown Proof of ownership of Debt Sending a bill of sale is not proof in the court of law as the bill is a section. The complete forward flow agreement must be present. 

PROVE THAT I OWE THIS DEBT TO The Moore Law Group, A XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my card XX/XX/2020 and asked them to please provide me with documentation that it has been paid. It has been two weeks and they still haven't reported to the credit bureau or sent me any information regarding its been paid. I've reached out to them twice regarding this issue and have gotten nothing in return.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I opened an account with Coinbase. I provided all of the required information and was provided an account on their site. On XX/XX/2021, I initiated a wire transfer into my new Coinbase account {$10000.00} from my XXXX account. Immediately after the funds landed in my new Coinbase account I received notice that my account was suspended. I was given no reason for this but I assume it is because my primary residence is in XXXX  with a secondary place in XXXX. I provided this information to Coinbase. Apparently the state of XXXX requires a threshold for companies doing business in XXXX that Coinbase does not meet and I assume Coinbase must be using this to not have me as a customer. I never withheld this information from Coinbase when applying for the account. 

In the notice of my account being suspended, it said to follow the instructions to have my funds returned to me. I was unable to execute this action as I went into a circular default on no action Since XX/XX/2021, I have filed numerous requests and complaints ( over 10 ) to return my funds with Coinbase and to date, I have received 1 non computer generated response with persons name which said, " someone would be in touch ''. 

Coinbase has no live person to speak with and their format is that one type of complaint is supposed to be responded to in 3-5 days and the other more formal complaint is supposed to be handled within 15 days. I have filed both types of formal complaints and nothing has happened and no response from anyone. 

I don't care that Coinbase doesn't want me on their platform but I fail to understand their poor customer service and refusal to release my funds. I only want my funds and will move on to another tradings site. 

Anything that you can do to get them to release my funds ( it is now {$9900.00} ) because they kept {$10.00} when I transferred in funds, would be appreciated.
Product: Debt collection

Ive requested on several occasions for the company to provide a validation of debt. Each time the company provides information from XX/XX/year>. They are illegally validating what the consider to be proof from XXXX yrs ago. 

The company is obligated to provide up to date information/validation. The company suggested to me that they dont have to provide current validation. 

I am demanding current validation from the creditor.
Product: Money transfer, virtual currency, or money service

I withdrew XXXX $ on XX/XX/XXXX at XXXX but {$720.00} fell back into the casing of the atm and was trapped so I only recieved {$140.00} and us bank the owner of the atm located in XXXX XXXX XXXX XXXX XXXX XXXX holds my funds is uncooperative in assisting me with research resolution or recovery of the funds that are rightfully mine. I also filed an event report with the local authorities and provided it below.
Product: Debt collection

On XX/XX/XXXX I was served with a complaint in the XXXX XXXX XXXX in the State of New Mexico from Plaintiff Portfolio Recover Associates claiming that I incurred a debt with XXXX XXXX  and that Portfolio Recovery Associates were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. 

On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX  account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXX XXXX XXXX interaction, no XXXX XXXX  interaction, no Portfolio Recovery interactions. 

**I have a serious genetic condition and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that THEY are collecting the debt for Portfolio Recovery Associates XXXX This is after Portfolio Recovery Associates filed a suit against me and their attorneys are listed as XXXX XXXX so who is on first, Portfolio or XXXX? At this point I am so confused as to what is happening. 

On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. 

On XX/XX/XXXX I sent XXXX XXXX, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of Portfolio against me in the courts without telling me who they are or how they even know me. I have not received a response from them. 

I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar 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.

My cash app account was also closed XXXX XXXX XXXX ago without a proper explanation as I was only told that I violated their terms of service and was denied to speak to any supervisor or any one of high authority.
Product: Consumer Loan

Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies. 
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers. 
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail. 

I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment. 
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed. 
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan. 
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}. 
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business. 
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras. 
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle. 
I also notice several lawsuits against them for similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of secti

on 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I had previously disputed one of the items an
d received a response from the credit bureau on XX/XX/23 " verifying it as accurate '' without any explanation of how and completely violating me as a consumer as I know it not to be mine! 

( See Attached )
Product: Checking or savings account

On XX/XX/year> I transferred in my XXXX brokerage account to Robinhood. It was for the amount of {$3400.00}. Everything was fine, until I checked my account and noticed my account still had some old information. So I updated my phone number and it seems it triggered an unusual activity alert. I reached out to Robinhood Support instantly! They requested documentation to prove my identity, which Ive provided the same day. Waited 2 days for a response, just to have my account still restricted. Now when I try to contact support, it says Im on an active call with an agent when that is not true! And you cant start a chat because you are already on a call which I am once again not! Ive emailed countless amount of times even sending pics of my id and me holding it with a selfie just so Robinhood knows its me. Please someone help me out I work hard to take care of my XXXX XXXX XXXX  : (
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND THANK YOU.
Product: Checking or savings account

XX/XX/XXXX there were two withdrawals from my checking account. The first for {$100.00} stated " Legal Fees '' the second was {$1900.00} stated " Garnishment ''. I have no known pending legal cases, no outstanding debts. I believe someone is acting fraudulently and somehow convinced my bank, US Bank, that this was a legal judgement. I believe this was orchestrated by fraudulent debt collector attempting to collect on a credit card ( XXXX ), that was removed from my credit report ( statute of limitations ) years ago. They are the same individuals that have made threatening phone calls and said I was to be arrested.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find inaccurate accounts listed. I routinely monitor my report, and this time I saw discrepancies that appeared without warning. I even refreshed my browser to see if it was an error, but the accounts didnt go away. This situation is incredibly frustrating, and I am asking for the documents I submitted to be reviewed carefully to ensure this issue never happens again.
Product: Mortgage

My home mortgage loan was sold from XXXX XXXX to XXXX XXXX XXXX, effective XX/XX/2018. In XX/XX/XXXX, I received a letter changing the contract they purchased without my permission. XXXX XXXX XXXX created a " cushion ''. Though the raising of the mortgage payment occurs to mitigate the increase in taxes and escrow, is normal and is reflected in a somewhat nominal increase - XXXX XXXX XXXX XXXX cushion of {$1100.00} has raised my monthly premiums by {$210.00}. I was not asked if I wanted this cushion and I do not agree to it. I am a Veteran and no loans I have ever had, have ever increased to this magnitude. No one has ever forced a cushion upon me. I do not want this cushion. I am retired on a fixed income and I am currently seeking Veterans Compensation for injuries and medical conditions resulting from my military service.
Product: Credit reporting or other personal consumer reports

Consumer Name : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contents of Complaint : This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 personal credit card account opened XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXXXXXX {$660.00} These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and fraudulent collections appearing on my consumer FICO 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 as proof from the US 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, credit repair services, or other personal consumer reports

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

BBVA has taken nearly a month to process my PPP loan. Other XXXX XXXX I worked with prior to COVID who have S-corps structured identically to mine and applied for loans in the same or similar amounts have heard back and been funded within a single week. This includes one XXXX who applied as late as last week and was funded today. BBVA representatives XXXX XXXX and XXXX XXXX have admitted to me on recorded phone calls ( attached ) that the bank did not have the resources necessary to participate in the PPP loan program. And yet they decided to. Despite stating that they are processing applications in the order they have been received, they are not ; they are prioritizing clients with larger accounts with the bank, from whom they stand to make greater profits. Illegal. Ms. XXXX and Ms. XXXX belong in jail.
Product: Checking or savings account

Back in XXXX my XXXX XXXX XXXXXXXX account was closed with no explanation other than potential fraud. On several previous occasions I contacted XXXX  XXXX XXXX about money being Zelled from my account that I did not authorize. 

Between XXXX and XXXX this same issue took place with XXXX XXXX I was told on several occasions that there was nothing they could do because I authorized it.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX XXXX XXXX ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

EQUIFAX, AND XXXX ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING XXXX LATE PAYMENTS WHEN XXXX IS REPORTING XXXX LATE PAYMENTS. 

EQUIFAX, XXXX XXXX XXXX ALLOWED XXXX  XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

EQUIFAX XXXX XXXX XXXX ALLOWED XXXX  XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

EQUIFAX, XXXX XXXX XXXX REPORTED MISSED PAYMENTS ON THE XXXX XXXX XXXX  ACCOUNT XXXX. 

XXXX IS REPORTED XXXX  AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON XXXX OR EQUIFAX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out via phone around the beginning of this year to resolve all issues between me the CRA and my consumer report.Then I reach out via mail on numerous counts. Yet they have been very stringent on resolution. Ive made little progress with handling this issue on my own. I recently decided that my story needs to be heard and began seeking help with the CFPB. There are unauthorized inquiries and also names employers and addresses that should not be reporting to my consumer profile. This has hurt me in the past and now it is harming my family and livelihood.
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  These accounts have violated my rights. 

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

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: Credit reporting or other personal consumer reports

I was part of the data breach with XXXX and my information was compromised and do not recall these files please delete off my credit report I have submitted a complaint to the ftc as well. 


Attached is information off the ftc website
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

Equifax has not set up proper protection. My information has been leaked to hackers! along with my husbands