23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had posted an item ( XXXX XXXX wedged heel ) on an online buying-selling app XXXX XXXX ) I priced them at {$30.00}, and that same day I had a buyer and we communicated the text on smartphones, she lives in XXXX, and offered to send an extra {$20.00} for XXXX.After discovering that CASHAPP would be the better transaction, I provided the email ( XXXX ) & the tag ( $ XXXX ) associated with CASHAPP. I was told a few minutes later that payment was sent, not receiving payment I checked my email about the status. There was an email stating that the transaction didn't go through do to an '' account upgrade '', for XXXX  XXXX, I did ask/want or authorize an upgrade or there was no need to do so, & that additional money was needed because of this {$50.00}, the buyer felt the need to do so ( she wanted the shoes ), now I'm to receive {$100.00}, again another email from CASHAPP tell me to get this {$100.00} I need to purchase an XXXX card and provide its information for the release of my {$100.00}, THE SCAM STARTED WHEN I DID'NT RECEIVE THE ORGINAL {$50.00}. I contacted CASHAPP explained the transaction and an email was sent to me, I was thanked and told the matter would be looked into, I have yet to hear back from CASHAPP, I have had trouble getting the Support to reply, and money transactions unauthorized, disappeared, business account disappear and they have no clue to anything unresolved matters. It is not right or fair, $ I will go as high as needed to make CASHAPP accountable, and there is power in numbers. This is a CASHAPP operation at times to many.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified letter to the credit bureaus certified number is : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/year> XXXX sent a second certified letter XXXX the credit bureau XXXX certified number is : XXXX - XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX was still conducting their investigation from XXXX. 

The credit bureaus stated account name and account number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was properly investigation XXXX but how is that possible? If the open date is an accurate, the date less active is an accurate end date last report it is not accurate. This is grounds for removal. They also are violating my rights under 15 U.S.C 1681 section 604A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following: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: Credit reporting, credit repair services, or other personal consumer reports

My account has been reported as 30-59 and 60-89 days past due as follows : XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. 

I have made several attempts with XXXX XXXX to determine how this was determined, but I have not received a definitive answer as to how they have calculated the past due payments.I have requested printed statements, to assist me with such information but I have not received a single one. Statements were requested for the months of XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX prior to their due dates. The requests were made through a customer service representative. Customer representatives have provided misleading information ( i.e. minimum amounts due ) over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Mortgage

Having problems finding out LTV from mortgage servicer. I am trying to find out when PMI can be removed.
Product: Payday loan, title loan, or personal loan

My wife and I are both unemployed we ask for a forbearance which was grant for 3 months. After these three months we where still unemployed and ask for an 3 months forbearance or at least another three months forbearance which we where declined. They sent us a bill to start the repayment it went from {$800.00} to {$1000.00} according to the Care Act they are not suppose to up our bill. I can not make the payment and need help but they refuse to do anything to help. All they did was tell us to stop paying any federal loans and pay them!! I dont have any federal loans!!! I need help not my bill going up. I want to pay my bill but I need some help right now which they are unwilling to work with people that have been impacted by Covid which we did not ask for
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, several fraudulent accounts and inquiries have appeared on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One credit card being reported by XXXX, XXXX and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Capital One, has violated my rights.

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 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.

I did not report this credit dispute with Capital One to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which Capital One has accepted but not updated the account as Paid In Full.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXXXXXX XXXX XXXXXXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Debt collection

I recently sent a letter to the collection agency after receiving bills from them through the CFPB. The bills were never sent from the original creditor. I was not aware of the debt until I looked over my credit report. I'm not saying the debts are not mine but before I pay anything I would need the proof from the collection agency verifying the debt. I asked for this information one month ago through the CFPB and received a few bills and one of them was a medical bill showing procedures which I think is a violation of HIPAA. The most recent letter I sent certified shows that it's still sitting at the USPS waiting to be picked up. It shows is was delivery attempts and has been sitting there since XX/XX/23. 

Send me the contract I have with this company to collect a debt.
Product: Debt collection

Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows. 
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail. 

It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service
Product: Credit card

The company made a good faith effort to provide some of the information relevant to the complaint by sending a letter stating that a {$200.00} - {$300.00} amount was in dispute. The issue with the transactions disputed that underlie the complaint is that they attract criminal activity by a third party that will go into any property to remove related documents to prevent resolution and deter any further communications regarding the dispute. This repeatedly occurred before the card was reissued through another bank. I am asking this company to correspond regarding the matters that were left unresolved an of which they had reason to know through access to the documents that I submitted and to which they confirmed during early conversations with the company at the time of the transfer to the new bank. Unfortunately, I need assistance with the dates but can locate this information when I am provided access and can somewhat bring forth supporting documentation. Irrespective of such, I successfully brought forth the matter twice in writing and in its entirety to the institution before the transfer and the new institution confirmed what I had reported. Criminal activities include sabotage to electronic recordkeeping of the transactions, such as through XXXX, XXXX XXXX XXXXXXXX. I have never dropped the matter from discussion. They simply stop corresponding and ask me to wait until I receive further assistance. Such even occurred in that manner when the institutions were changed.
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 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 DEPT OF EDUCATIONXXXX 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 This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

EQUIFAX, XXXX, XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX, XXXX, XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have the documents already. I was sued by a debt collection atttorney on behalf of XXXX XXXX, who was a debt buyer. They initiated a lawsuit before Covid 19, but never answered or provided discovery in response to my attorney 's demands. According to the credit reporting law, if a debt buyer sues someone and then fails to demonstrate any proof - either that fact should be reported or the debt should not be listed on the credit report. XXXX and XXXX removed the company because it was not substantiated. Experian refuses to do so and also refuses to update the statement I submitted. " Customer disputes '' is not sufficient when a supposed creditor makes a claim, goes to the trouble of filing a lawsuit and then fails to answer or appear in the case that they brought. I submitted the same information to all the credit bureaus and Experian is the only one that is still listing it as accurate without details of what happened. It creates a false narrative and demonstrates that Experian is not impartial in the " credit reporting '' industry..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself. I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions.