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

In accordance to 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  15 U.S.C 1681 section 602 A. States U have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX 2. Account - XXXX from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I signed up for a venmo account in order to receive a payment from someone. I received the payment. Whole waiting in line to receive the debit card venmo froze my account in claims that I may have violated their terms of service agreement. I not sure how I could have done so within the app due to the fact that the explanation for withholding my funds was only expressed in one sentence " Your account has been frozen. We believe you may have violated our terms of service agreement. '' I was attempting, in lieu of being able to use the account to pay for basic needs without at debit card, transfer money to a system that I already have in place in order to meet my basic needs as that was the purpose of money transfered to my venmo in the first place. Venmo has offered no explanation as to why I can not access my funds.Meanwhile, I sit here on the verge of losing basic needs such as a way to get to work, losing my job, not able to provide myself with nutrition, or self cares and pertinent medications that keep me healthy enough to function properly. My stability is hanging on by an accusation. This is financial no abuse. I am a vulnerable adult. I would explain this to Venmo but they do not afford communication in the opposing direction in order for me to accurately defend myself, which is also not ok. I will be making a report with the common entry point for a VA abuse investigation. Even if may have accidentally violated their terms of service, they should not, without proper explanation, giving me proper evidence and a way to defend my actions, be able to withhold my basic needs with a one sentence explanation as if I do not matter and not afford me the rights I am entitled to. They should not be able to stop me from meeting my basic needs or steal my money in order to " teach me a lesson. '' That lesson is resulting in my failure to thrive. I should at least be given the dignity to defend myself and not just treated like a reason for them to steal from me and not care that I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You don't mess with someones money without taking into consideration what that actually means. I have XXXX and this has mirrored past financial exploitation as well as triggered episodes of XXXX XXXX that has effected my ability to work.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Kindly, block and delete the account ( s ) within XXXX business days as required by FCRA 605B, 15 U.S.C 1681c-2. Please find the attached FTC report and other relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was illegally obtained due in part to the negligence of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items 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 #, and I'm including it again. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to Remove Inaccurate Personal Identifying informationDate : XX/XX/XXXX Name : XXXX XXXX XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Request to Remove Inaccurate Personal Identifying information Dear Sir/Madam, My only existing name is : XXXX XXXX XXXX My only existing phone number is : XXXX XXXX My only existing address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only existing employer is : XXXX XXXX XXXX XXXX remove all other names, name variants, phone numbers, addresses, and employers shown on my credit profile and credit report as Im concerned they may make me susceptible to identity theft. 


XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received a wire of {$19000.00} from a commission of a real estate transaction. XXXX XX/XX/2023, I received an email that my account has been frozen for review. Its been months now without any resolution or access to my funds. Ive called and visited the Capital One branch numerous times only to hear the same thing, the investigation is still open and no further information can be given. My client did a wire reversal on XX/XX/2023 as per the advice of a capital one employee, but capital one did not return the wire to her. I have not received any of my money back, any resolution or any explanation for this account freeze. Please help.
Product: Debt collection

I REQUESTED FULL VALIDATION OF THE ALLEGED DEBT PURSUANT TO SECTION 9-210 OF THE ( FDCPA ) WHICH INCLUDES 1 ) THE ORIGIN OF THE LOAN 2 ) CERTIFIED ACCOUNT RECORDS ( THE TRUE BILL ) OF ALL ACCOUNTING RECORDS, INCLUDING ALL DEBITS AND CREDITS TO THE ACCOUNT 3 ) THE NOTICE OF ASSIGNMENT LETTER THAT WAS SENT TO ME BY THE ORIGINAL CREDITOR WHICH IS PROOF THAT I WAS PROPERLY NOTIFIED THAT THIS ALLEGED DEBIT WAS BEING SOLD AND TO WHO 4 ) THE COMPLETE PURCHASE AGREEMENT 5 ) THE ORIGINAL CREDITORS ARBITRATION AGREEMENT/ AND MY RIGHTS TO ARBITRATION 6 ) PROVIDE ANY INSURANCE POLICIES ATTACHED TO THE ALLEGED LOAN AND LASTLY THE COMPANY IS IN VIOLATION OF TITLE 18 U.S.C 894 WHICH IS THE THE COLLECTION OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS AND IT STATES THAT ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) To collect or attempt to collect any extension of credit, or ( 2 ) To punish any person for the non-repayment thereof, Shall be fined under this title or imprisoned not more than 20 years, or both.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Upon further investigation, I contacted each credit bureau Experian and XXXX. I verified that XXXX XXXX is reporting account : XXXX illegally. This company did not have my permission to obtain my personal information to open an account. I have sent this company several notices in writing via USPS certified mail to inform them that my information was obtained fraudulently and to remove this information from my credit files. I have sent them a police report, an identity theft affidavit from FTC, and also from their company website and identity theft affidavit. All documentation notarized by the state of Ohio. This company has ignored my request to do a thorough investigation into this account. 
This company is also reporting misinformation to each bureau. On Experian it says the closing date was : XX/XX/XXXXXXXX  on XXXX the closing date is XX/XX/XXXX. XXXX XXXX is also reporting monthly an over the limit utilization rate when the account is closed and charged off. XXXX XXXX is also report to XXXX and do not have an address, social security number, phone number, nor original documentation on file stating this account belongs to me. I have asked for this company to send me proof of the account. They have ignored every attempt. I have a confirmation number from XXXX : XXXX regarding this dispute. XXXX XXXX is also updating the account with my current information I have sent in for the dispute, and I did not give my permission to do so. This is a violation to my consumer rights.
Product: Credit reporting or other personal consumer reports

This account lists the following company as the creditor XXXX. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}
Product: Credit reporting or other personal consumer reports

This company has been reporting inaccurate information on my credit report since 2018 ( 7 years ) with a past due balance of {$560.00}. This account was paid off, not just by me but by their insurance company. They refuse to delete this account from all XXXX of my credit profiles. It has ruined my chances of recovering my credit score and they have ignored my repeated attempts to obtain a debt validation letter. I would like this account removed from XXXX XXXX of my credit reports immediately.
Product: Credit card or prepaid card

I was charged {$35.00} 4 times for incidentals at XXXX XXXX for XX/XX/22 to XX/XX/22, XX/XX/22 to XX/XX/22, and XX/XX/22 to XX/XX/22. I was accidentally charged {$35.00} when the front desk thought the transaction didnt go and re-ran my card, but the first transaction did go through. On XX/XX/22, XXXX of the later charges canceled/refunded to my card d, but the older ones had not. XXXX XXXX management assured me that they were released and provided print outs that showed a XXXX balance. I reached out to Cash App support and was advised to get a print/out showing a XXXX balance and other details and they would refund the XXXX {$36.00} holds. When I went to XXXX XXXX and got pictures off the print-outs and uploaded them to Cash App support, they said they could not help me any further. They refused escalating the issue and disconnected the chat. I dont Think they should be able to not help with someone elses finances and no way to speak with any person for clarity.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per XXXX reporting regulations and the XXXX XXXX XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim XXXX XXXX ). Per law, any deficient of substantial and evident matters of fact XXXX XXXX ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXX
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there disputes resolutions process was unfair and disceptive and they did not comply with error resolutions 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: Credit reporting or other personal consumer reports

Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of 15 U.S.C. 1125 ( a ) Complaint Against : 1. Experian 2. XXXX 3. XXXX Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies Experian, XXXX, and XXXX for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : 1. Experian : Reporting a balance of {$17000.00} on forgiven student loans. 
2. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
3. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian, XXXX, and XXXX correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against this company a few days ago ; but they havent responded to my request and continue contact attempts. I am again filing a complaint and requesting the following : 1. Stop contacting me and third parties about me by any method ; 2. Identify your company by name ; 3. Identify original creditor ; identify amount of debt allegedly owed ; 4. Provide copies of itemized billing statement with service/purchase dates.
Product: Debt collection

{$100.00} CREDIT COLLECTION SERVICES, CONTACTED COMPANY DONT KNOW ABOUT DEBT
Product: Debt collection

The company sent a threatening text message to my phone stating that legal action would proceed if I didnt make a payment on an old debt. I freaked out gave them my debit card number. They continued to take out money on three different occasions. My wife contacted them, told them to stop taking the money out and spoke with XXXX on XX/XX/XXXX. He stated he would stop the payments. This never happens and again on XX/XX/year> they took out additional {$200.00}. When she contacted them again for a refund, they notified us that there was no way to contact XXXX XXXX XXXX XXXX. Which is actually the same parent company unified global services LLC. On XX/XX/year> XXXX from unified global services contacted my wife and threatened her was very vulgar with her told her she did not have to provide any recordings to her and that she provided these previously to the CFPB and us, and that our case was closed in their office and that we would not be getting a refund of any of our money. When my wife told her they were practicing illegal business, she said she screamed at her and told her no they were not and people like us need to pay their bills. They had no idea what type of situation was going on with us. She had no right to say that. Their Practices are unethical and illegal according to our state. I did not sign any authorization for them to continue to take out money or take out any money out of my account and they refused to give back the money. I am now requesting a full refund of the {$600.00} that they took out this would be three charges of {$200.00} apiece plus additional compensation for the stress and defamation that they have caused to my wife
Product: Debt collection

I had a  XXXX   XXXX   XXXX  credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting  XXXX   XXXX   XXXX  to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.
Product: Checking or savings account

I tried to payment some of my credit card, rent and senior graduation items and my card got declined. Went to the online app and it states your funds are currently not available for withdrawal. Please call us at XXXX. I called them and was told something is wrong with my online profile. I was not able to locate the error as I have several capital one accounts, credit cards, and auto loan accounts and it appears only my checking being impacted. She then said it could be the joint owner. When I first created the account in XXXXXXXX XXXX XXXX, I had made my boyfriend as a joint holder so he can access my funds to pay bills since I was going in and out the hospital and did not want to lose my place. He has never created an online account or received a debit card for this account. He always knew he can go to a local branch if needed. The agent had to text him a code to identify himself and then he had to create an account. He added his drivers license and the agent state he will receive an email with the next steps. We still have no email and no one can tell us anything. I need to access my funds and now trying to stop my direct deposit so I can have access to some money to pay bills that are going past due because of this. I dont understand the why as he has no dealings with this account, it was just for emergencies and all of my money comes from my employer. I just need help and my money fast.
Product: Mortgage

Today, while, I, XXXX XXXX XXXX ( Borrower, my wife XXXX XXXX is on the deed with me and I always authorize her to make the monthly mortgage payment which she has done for the past 13 months while obtaining our little home, Truist Mortgage company is a crook and steals out time and tries stealing our money they are not entitled to. They tried raising our monthly fixed payment of {$1100.00} to {$1200.00} after Confirming the Escrow actually DECREASED. They had no valid reason to raise the fixed FHA mortgage and even states we would get reimbursed once they complete straightening out the incorrect home owners insurance that dropped to $ XXXX annually, the mortgage has it at {$670.00} while also admitting that per the closing on the house, they had us at $ XXXX for the hone owners insurance and we were paid an overage from the insurance with an amount of {$100.00} in XXXX. Truist decided to raise our monthly payment to {$1200.00}, creating fraud. I want it to stop. I hate Truist Mortgage and I never asked for them. Our mortgage company sold the mortgage to these crooks. I want Truist mortgage to stop committing mortgage fraud! Sincerely, XXXX XXXX XXXX