23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing CFPB to formally request the removal of a debt associated with 3rd party XXXX XXXX XXXX from my credit profile on experian and XXXX XXXX The account in question is being reported under the following details : Experian - XXXX XXXX XXXX Account Number XXXX Debt Amount {$580.00} XXXX - XXXX XXXX XXXX Debt amount {$580.00} Please be advised that XXXX XXXX XXXX, located at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, is not authorized to collect debts in the state of XXXX according to the information provided on the NMLS Consumer Access. As a result, this debt should not be legally enforceable within the state, and thus, should be removed from my credit report immediately. 

I request that you investigate this matter and remove the debt from my credit profile. If you require any further information from me, please do not hesitate to reach out at the contact details provided above. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this debt has been removed from my credit report. 

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

On XX/XX/13 I received an email from Venmo that I had received a {$600.00} payment into my Venmo account. I checked daily for a week and it never showed in my balance. Then when I tried to login I began to get the message " OAuth2 Exception : Unauthorized action ''. This went on for two days. I tried customer support and could not get a response by phone. I submitted an online request and did not get an answer. I tried their chat and it wasn't an option. Then I XXXX the problem and saw that people have been having this problem for over a month with no contact from Venmo or resolution.
Product: Mortgage

I had fallen behind in my mortgage payments with Green Tree Servicing ( now Ditech ). Several months ago, I resumed making the payments and even sent one check covering three payments. Green Tree/Ditech cashed all of these checks, but never credited the account. In XX/XX/XXXX, I sent them another check in the amount of {$540.00} ( one month 's payment ), but they returned it, claiming that the amount is insufficient to reinstate my account and that they have begun foreclosure proceedings against me. They claim that I owe more than {$3500.00} to reinstate the account. The amount I owe should be about {$1200.00}. They have also been charging me {$100.00} per month for " repairs '' without explaining this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

REFER TO - ( cfpb complaint XXXX ) PROVIDE YOUR METHOD OF VERIFICATION VIA FCRA 611 ( a ) ( 6 ) and ( 7 )  within 15 days of said complaint. YOU HAVE NOT!, AND BECAUSE OF THIS YOU LEAVE ME NO OTHER OPTION THAN TO SUE FOR FCRA VIOLATIONS AND NEGLIGENT NON COMPLIANCE. 

ACOUNT- XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX XXXX NONE OF THESE COMPANIES HAVE A CONTACT OTHER THAN PHYSICAL MAIL, YOU NEVER PROVIDED ME THE PROOF OF HOW EQUIFAX VERIFIED ANY INFORMATION WITH CREDITORS. 

ATTACHED IS A LAWSUIT I WILL BE FILLING SOON IF YOU DO NOT ADDRESS THIS ISSUE.
Product: Debt collection

XXXX company put me in collection for something that isnt mine. I was never billed ore made aware of such debt and it went straght to collection and my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem resides with Equifax Information Services LLC and XXXX XXXX. The problem is I have sent valid data such as the copy of the Social Security Card and the official residence address. Because Equifax is stalling or not providing accurate information, I have to presume that my data is being compromised. All of the answers are deflected and just refer to Customer Care. Also, given that I have sent in valid data, Equifax should have been able to verify the data and unlock the account. Surprisingly, an agent within Equifax was capable of verifying the data over the telephone and the agent could not figure out why the account is locked. Besides, the manner in which this issue is being handled, has me concerned of my personal data. I am hoping that some agency can oversee the issue. 

XXXX XXXX stated because I am located overseas or out of the country, I do not have access to myEquifax. Surprisingly, there are many US citizens that reside overseas and Equifax would block access to all US citizens that reside overseas. Also, Equifax would be the only website that would block US citizens from accessing their data. This is why I am and maybe others are concerned of what Equifax is performing to personal data and the reason for this complaint and concern.
Product: Credit reporting or other personal consumer reports

In regards to XXXX XXXX XXXX XXXX Account # : XXXX As to the credit reporting agencies XXXX XXXX XXXX XXXX and Experian Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed immediately
Product: Student loan

I have talk to them so many times that I am only working part time and the school that I am paying on with this loan has been closed since XXXX and I been paying on this loan for about 10 years of the year of XX/XX/XXXX and my loan was only for XXXX and they said that I still owe them money and they have been having a lawsuit against them I feel they are ripping me off because the way I calcute it is that I still owe them money and I don't feel I do. I need some help getting this taken care of.
Product: Checking or savings account

I need all accounts to be cleared from XXXX XXXX draft fees all accounts
Product: Checking or savings account

This complaint has repeatedly been submitted and Marcus Bank continues to lie to you. 

I urge you to read their response to the first complaint XXXX XXXX XXXX Marcus bank agreed to close the account and send the funds back to the source of funds bank account and with that urged you to close the complaint. 

You closed the complaint but they lied and never sent the funds back. In fact their own rep admitted to me that the account was closed but she has no idea where the funds went!!!! Might I suggest to an account of a bank employee???? We are talking XXXX XXXXXXXX here Now they are telling you some deceptive mumbo jumbo about the power of attorney not being acceptable for some unknown reason. What does that have to do with how many apples grow on an apple tree? 

They already stated they were refunding the source bank account. There is no wiggle room there to play games with documentation not being acceptable or whatever legal eagle truth dodging defense they are using to try to dodge the fact that they did not do what they told you would be done in the original complaint. 

I have taken this complaint to multiple agencies who all send me back to you as the regulator of that lame excuse for a bank. Do I really need to file a lawsuit to get them to follow through on what they specifically agreed to do in the original complaint? 

Perhaps you can recommend a news media outlet that might be able to get the word out about the games this bank is playing and why the banking system itself is not on solid ground? 

Would you please help me with these XXXX  at Marcus Bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. Over a month ago all Three ( XXXX, Experian, XXXX  ) received the documentation and still have ignored the account with no update to my file. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

Attached is the information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX
Product: Credit card or prepaid card

I have a {$500.00} secure cc since 2015 good standing no late payments. Bofa will not lift the security feature after asking for years, nor increase the limit. I have a credit score XXXX and steady employment XXXX  for 14 years making over $ XXXX a year. I am a XXXX women and feel it's more about discrimination. I have proven for the last 7 years to be an ideal customer with all on time payments. I believe the refusal to move forward is more about the mistreatment of XXXX customers.
Product: Payday loan, title loan, or personal loan

Federal Law Violated I was targeted by OneMain due to being low income, XXXX and XXXX XXXX People in certain zip codes. Were targeted by this company by their own admission and no one is willing to bring these people to justice There are federal laws designed to protect borrowers, like the Equal Credit Opportunity Act ( ECOA ). The ECOA makes it illegal for lenders to impose higher interest rates or fees based on a persons race, color, religion, sex, age, marital status or national origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report 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
Product: Credit reporting or other personal consumer reports

I Do Not Have A Credit Score At All For My Transunion Credit Score Report
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 confidentially under 15 U.S.C. 1681 has violated my rights XXXX  XXXX : # XXXX, XXXX  : # XXXX, 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 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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 card or prepaid card

Beginning in 2020, during the height of the pandemic, Citibank has repeatedly decreased my card limit on my three credit cards I currently have active with the company. One card 's limit was reduced more than 40 %, thus drastically affecting my credit score due to my credit utilization rate increasing. Shortly afterwards, my two remaining card 's limit were also reduced and the reasoning was due to my credit score ( which only dropped because of the credit limit decrease of the first card ). I've experienced limit changes more than 5 times in two years. I recently requested a payment extension due to a loss of income and hardship and was told Citibank does not offer any type of payment arrangements or deferments whatsoever.
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 XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX  XXXX, XXXX XXXX  : # XXXX  XXXX, XXXX XXXX XXXX XXXX  : # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX XXXX  : # XXXX, 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 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: Payday loan, title loan, or personal loan

I have a loan with Lendmark Financial Services. For at least a year I have been asking for a monthly statement that shows current balance. Each time I am told the " process '' is under construction. 
I also expressed on serveal occasions my balance goes up and not down. 
They crafted some form of a statement that was very confusing. 



Is is not required to get a statement with due date, payment due, and current balance??? 
Are they not required to show current apr?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : account # XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Barclay 's Bank still is not providing the correct solution to my request to remove the inaccurate information reported about my account. they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) as Inaccuracy of reported information and proof of compliance with 15 USC 1666b and other regulations mentioned in my original letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX. This has cause me XXXX  XXXX, stress, and financial hardship.
Product: Money transfer, virtual currency, or money service

General Obligation : Description of the Incident Starting in XX/XX/year>, I became the victim of XXXX XXXX, resulting in my loss of money. To perpetrate the fraud at issue, XXXX XXXX has operated using the following domain XXXX XXXX 
Based on the information and documents provided, you can see that starting in XXXX, I transferred funds via wire transfer from Wells Fargo to XXXXXXXX XXXX XXXX XXXX, where I bought XXXX which I then sent to the fraudsters. In addition, I transferred funds from Wells Fargo to XXXX XXXX. I lost XXXX USD due to this endeavour. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/ or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargo s custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargo s conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Debt collection

I receive unwanted text from this company called " XXXX XXXX  '' every single day. I report it as junk and delete it. There is a suspicious link in the contact and it auto populates an account number when I click it. I have no idea who sunrise debt is I have no accounts with this company and would like the constant communication to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Prepaid card

My debit card was fraudulent used issued from XXXX XXXX XXXX for the corona virus pandemic, my mail was sent to a address when I was in a program for the time they say I was there or knew the people who committed this act or gave permission to during the time frame of XXXX XX/XX/XXXX of XXXX I have tried over and over to resolve this problem to NO avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX