23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In 2016 The mortgage company " Di-tech '' financial created an " unapplied balance '' situation to my account without any explanation, consent, knowledge and it did not appear on my statements, end of year accounting. For 3 months they send out " we are working on it '' ... " we take these issues seriously '', etc., etc, ... 
The matter has been attempted to deal with through The State of Michigan Department of Finacial and Insurance just rotting as the servicer " XXXX XXXX '', took the property in XXXX and keeps trying to tell me to contact the " Di-tech '' people. 

The point here is that THIS is exactly why you guys are here to handle. This particular situation involving a large fire claim, by another company, ( XXXX XXXX ), that actions taken against a XXXX " insured '', that the need to overhaul this industry, and people need to go to jail. 

So you can pass the buck and be part of the problem, or reach out .... get someone to meet me, get a case worker, office, subpoenas, DOJ, FBI, ... ..Just Call me Monday and let me .... show you. OR<OR<OR do nothing.
Product: Vehicle loan or lease

I purchased the XXXX XXXX XX/XX/2022, XXXX XXXX at XXXX XXXX XXXX lied on my application stating I get {$2300.00} from XXXX I only get {$1400.00}. He also lied about my rent he put {$300.00}. My rent is {$650.00}. Im XXXX and he took advantage of me being a woman. The screen that the contract was on was far away. I signed electronically. The tag was fictitious they gave me. I was stopped by police & issued a ticket. I dont have a registration card. I contacted XXXX XXXXXXXX police trooper XXXX a XXXX vehicle fraud unit.
Product: Money transfer, virtual currency, or money service

I used to use the Abra app for purchasing crypto currencies and was told by them today that they quit supporting the Abra wallet app. I was never notified of this by them. They are now saying that all funds not withdrawn from their app already are to be considered lost.
Product: Credit reporting, credit repair services, 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 {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX  {$8500.00}. XXXX XXXX {$3500.00} 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 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 have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It was made very clear by Congress that EQUIFAX assumed a grave responsibility in their role as a consumer reporting agency. I have been directly affected in a negative way by the actions they continually take that infringe on my rights as a federally protected consumer. 

EQUIFAX has created a consumer report on me without my express written consent. I have never given instructions for them to accept or to furnish any information about me at all. They have violated my consumer rights and my privacy with no permissible purpose. These practices are unfair and partial. 

There are fraudulent account numbers and fraudulent balances on this consumer report. I've spoken with agents of EQUIFAX demanding the removal of the information ; they've refused. 

Please assist me with getting this fraudulent information off this report that was created without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$270.00} XXXX XXXXBalance XXXX {$5100.00} XXXX  XXXXBalance : {$6200.00} XXXX  XXXXBalance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account 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. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to XXXX  last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Experian doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Product: Credit card

called customer service over the phone for capital one, They said they could not open it even though it is less than the standard 6 month timeframe for them to close it, first late payment was on XX/XX/XXXX, today it is XX/XX/XXXX it is less than 90 days and they will not let me make payment to REOPEN account reason for missed payment is I was sick and unemployed until now I have enough money to pay or make a payment arrangement however if capital one does not reopene my credit card account I will never pay any money to capital for this unless the credit card is reopened, i do not care what happens to my credit report I am not paying any money until capital one reopens my credit card account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX conspired with XXXX, XXXX, XXXX, and Sagestream. XXXXXXXX XXXX. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX XXXX XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; XXXX XXXX XXXX has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as XXXX XXXX XXXX has caused theft, sold my property, teamed up with the credit agencies which are all third-party debt collectors, and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 AXXXX XXXX XXXX and each of these credit agencies are trading, passing around my private information for profit committing crimes of crimes against me as the consumer without lawful authority..
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax 's failure in their investigation to correct an error on our behave based on our consumer credit report of our XXXX Account ( mortgage account ). 
On XX/XX/2020, we submitted a credit dispute with Equifax based on their erroneous credit reporting that our XXXX Account was in : 1 ) Comments Section : ACCOUNT IN FORBEARANCE and 2 ) Terms Frequency Section : DEFERRED and 3 ) PAYMENT HISTORY for XXXX, XXXX, XX/XX/2020 PAYMENTS SHOW AS NO DATA AVAILABLE When in fact our XXXX ACCOUNT WAS NEVER IN FORBEARANCE and all payments were made to XXXX, including XXXX, XXXX and XX/XX/2020. 
On XX/XX/2020, Equifax completed their credit dispute investigation into our XXXX Account and has failed to correct their error. Their results still show that our XXXX Account is still Account in Forbearance. They have failed to remove the forbearance off from our XXXX Account. 
WE ARE DEMANDING THAT EQUIFAX CORRECT THEIR ERROR ON OUR CREDIT REPORTS BY REMOVING THE FOLLOWING OFF OUR XXXX ACCOUNT : 1 )  COMMENT AND CONTACT SECTION REMOVE ACCOUNT IN FORBEARANCE AND 2 )  TERMS FREQUENCY SECTION REMOVE DEFERRED AND 3 ) PAYMENT HISTORY SECTION - TO REPORT PAYMENTS MADE FOR XXXX, XXXX AND XX/XX/2020 BY REMOVING NO DATA AVAILABLE FOR THOSE MONTHS SINCE ALL PAYMENTS WERE MADE TO OUR XXXX ACCOUNT ON TIME AND OUR ACCOUNT WAS NEVER IN FORBEARANCE, THEREFORE, THEY MUST REPORT THESE PAYMENTS WERE MADE. 

Please see the following attached supporting documents : o Equifax Credit Dispute Results Dated XXXX for Both Borrowers x 2 o Equifax Credit Reports Dated XXXX and XXXX for Both Borrowers x 2 o Letter from XXXX Removed Forbearance - XXXX o XXXX Account Not In Forbearance - XXXX o XXXX Account Payment History Report - XXXX o Demand Letter to XXXX to Remove Forbearance XXXX o XXXX Acknowledgment Email - Cancel Forbearance - XXXX WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND ARE UNABLE TO DO SO BECAUSE OUR XXXX ACCOUNT IS ERRONEOUSLY IN FORBEARANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD Astra Recovery Services is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.
Product: Consumer Loan

My car loan company has closed my acct and shown it as bad debt. I still have the car and am making payments, at this time I am current. This has caused me great grief as I can not buy a home due to poor credit marks by them. In addition they have charged me XXXX in fees. the original loan was for XXXX to date I have paid XXXX and still owe XXXX. Something does n't seem right. I never signed a contract with these people. Originally I signed with a much better company
Product: Checking or savings account

*Summary : 30 days since closure request, and Affirm has neither closed my account or followed up. * XXXX. Requested closure of my Affirm XXXX ( savings ) account via Affirm XXXX chat. 
XXXX. Logged onto Affirm online, and saw my Affirm XXXX account was open and active. Also, did not received a follow up email from the Affirm team regarding closure as promised. Sent an email to Affirm team via XXXX ticket and noted that if my Affirm does not close my Affirm Money account, I will file a complaint with the XXXX Consumer Financial Protection Bureau. 
XXXX. Logged onto Affirm online, and saw my Affirm XXXX account was still open and active. Called Affirm and spoke with XXXX. XXXX confirmed my account closure request was in the system and being processed, but noted that processing could be slow. XXXX could not provide a definite timeline for closure. 
XXXX. Logged onto Affirm online, and saw my Affirm XXXX account was again still open and active. As it's been 30 days from my initial closure request, I am initiating a complaint with the CFPB, which is what I noted to Affirm via email on XX/XX/year>.
Product: Debt collection

The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract. 

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You
Product: Money transfer, virtual currency, or money service

Started transfer of funds from Coinbase to my bank account on XX/XX/XXXX and was told it would be done by the end of the day. It has been three days and I have yet to see the funds deposited into my account. I have since deposited more funds into the account and tried to withdraw them to see how long it would take and it has been two days since. 

There is not customer service line besides an automated voice that is only for compromised accounts. No other way to contact the company.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I always review my report regularly, and this time, out of nowhere, there were discrepancies that made no sense. At first, I thought it might be a browser glitch, so I refreshed the page, but the inaccurate accounts were still there. This has left me deeply concerned, and I am requesting that the documents I provided be carefully reviewed to prevent this from ever happening again.
Product: Checking or savings account

I am unable to open a bank account due to my negative banking history. In the past, I had issues such as unpaid overdrafts and frequent account closures, which have been reported to systems like XXXX. As a result, banks now consider me a high-risk applicant and are reluctant to approve my application for a new account. Until I resolve these past issues and improve my financial standing, I will likely continue to face difficulties opening a bank account.
Product: Debt collection

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Payments resumed following the end of the COVID payment pause in XX/XX/2023. I was notified in my account of a payment due and paid on XX/XX/2023 and XX/XX/2023. I am still seeing a payment due on XX/XX/2023. 
However, not once since payments resumed, have I received an actual billing statement. I have not at any time received any formal notification of a bill due, just a " payment due date '' in my account. MOHELA is legally required to provide a billing statement at least 21 days in advance of my billing due date, but I have received none. 
This is a widespread issue, I know. Many who were impacted received an administrative forbearance for the months that this happened ( XXXX - XX/XX/2023 ). However, my account remains in repayment and my bills remained due, even though I was impacted by MOHELA 's failure to provide timely billing statements.
Product: Debt collection

F H Cann and Associates Incorporated XXXX XXXX XXXX # XXXX, XXXX XXXX, MA XXXX has an abusive call policy : they record all calls and do not allow consumers to request not to be recorded -- their policy is to hang up on those calls, creating a harmful environment for consumers that want want to verify their legitimacy while not being recorded. Agents refused to answer company information that is public knowledge like their physical address which created me harm when thinking they were a scam. Their agents and supervisors make it seem like this scenario is the consumer 's problem and use language that felt like I was to blame. I heard phrases like, " Whatever you ask me, I don't know '' ( XXXX XXXXXXXX ) which makes them feel like a scam. I heard, " Are you done? '' ( XXXX XXXX  ) in an aggressive tone from a supervisor which belittled my legitimate concern. One of the agents ( XXXX XXXXXXXX ) created a hostile environment for me when his crying child appeared in the background of my formal complaint. Also, it took an outrageous amount of time or I received hostile answers from agents XXXX XXXX, XXXX XXXXXXXX and supervisor XXXX XXXX. The phone number that supervisor XXXX XXXX provided to reach Manager XXXX XXXX at XXXX did not have a voicemail available and instead had the unhelpful runaround XXXX XXXX. Supervisor XXXX XXXX 's notes say she explained their Recording Policy as " security reasons '' but I do not remember that explanation in our call. F H Cann and Associates needs to not hang up on calls that request not to be recorded and should have the ability to control their call recordings. F H Cann and Associates needs to answer public knowledge questions about their company when asked. F H Cann and Associates needs to ensure the staff mentioned can appropriately handle escalated calls in a way that doesn't blame consumers for these legitimate concerns. Calls from XXXX at XXXX XXXX XXXX.