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

On XXXX/XXXX/2021 I was trying purchase a puppy from a website XXXX that i found online. I had text back and forth with the number XXXX, they sent videos and pictures of the puppy we were going to purchase. We were to sent XXXX of {$700.00} to XXXX and they were to ship out the puppy the next morning, XXXX/XXXX/2021 I also had to send them a selfie of my me holding my driver 's license, so now they have my photo ID & a picture of me holding it. The next morning the person tells me they dropped the puppy off at the airport and we should receive it the next day, i then get an email from a XXXX XXXX XXXX, stating a whole thing that the puppy needs a license as well as a special crate to fly and thats another {$1500.00} & its refundable upon arrival, i didnt respond to the email and then they called me. there were dogs barking in the background and then the original number of the " seller '' text me " apologizing '' stating their husband checked it out, its refundable. so i paid it. That was sent to XXXX as well to ( XXXX ), but first i tried to pay XXXX & it " denied '' it, i had charges on my bank statement after that, having to get a new XXXX. They sent me tracking information, the next day the dog was suppose to arrive at noon, they called at XXXX, asking for {$500.00}. more when i told them i wasnt paying another more money, he told me i wasnt getting the dog, i laughed and told him to just keep it then. The seller then send me an " XXXX ''. 
XXXX is the email used to email me for the " company ''. 

I went to Bank of America, let them know what happened, that I had been scammed that I had filed a police report, that I was taking all the steps to try to make sure this doesnt happen again and to try and get my money back and the customer representative said there was nothing they could do because I sent it willingly. Which isnt wrong, but I did so under the intentions it was to a woman named XXXX for a dog, not some scam artist to keep my money! 

Now its happening to others with my XXXX I filed a a report with the FTC!
Product: Debt collection

I found out about this debt a few years ago and have been trying to dispute it. I was told that the service address for this debt was in FL. It was created while I was living in WA. I do not owe this debt because it was created without my knowledge and I have tried without success to communicate with this debt collector. I currently and a XXXX  customer and I believe that they are the same as XXXX, so how can they legally say I owe money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to request deletion of inaccurate information as well as request verification of debt with no response from the bureaus.
Product: Mortgage

InXX/XX/XXXX, I got behind one month on my mortgage payment with Flagstar Bank, due to a financial hardship on my job. Flagstar Bank employees set me up on a Home Affordable Modification plan without discussion the details. I signed the modification plan and submitted it back to them. In XXXX of XXXX, I attempted to sell the home and found that there was a lien on the mortgage for {$34000.00} to Federal Housing Authority. This was never explained to me, nor did I have any knowledge of it. I was only behind one month on my mortgage note. If this had been explained to me, I would have never agreed to this. I have the document they sent to me to signed, there is no mention of borrowing {$34000.00} from FHA. I contact them to see what happen to the fund they borrowed? They told me it was used for the modification and the remainder was applied to my loan. I did not see my loan decrease. therefore I am requesting that this matter be investigated. I paid FHA back the {$34000.00} from my life saving in cashiers check. Therefore I am requesting that my funds be returned to me. This type of practice is wrong and manipulative and should not be tolerated.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX failed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater.

As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance.

Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( 1 ) any actual damages sustained by the consumer as a result of the failure.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Intervention Regarding XXXX XXXX  and Credit Reporting Issues To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally request immediate intervention concerning severe XXXX XXXX  and credit reporting issues related to my experience as a survivor of XXXX XXXX. While I have received a FCRA 605 ( c ) block on my XXXX credit report, I urgently seek similar relief from Equifax and XXXX, in addition to addressing ongoing issues with various creditors and XXXX. 

**Key Points of My Complaint : ** 1. **Credit Reporting Agencies ( Equifax and XXXX  ) ** : - I request the immediate implementation of FCRA 605 ( c ) blocks on my credit reports. 
- Removal of all adverse information, inquiries, and addresses linked to my XXXX  experience. 
- Issuance of new, updated credit reports reflecting these changes. 
- Reset of online portals ( XXXXEquifax and XXXX ) to facilitate proper monitoring of my information. 

2. XXXX : - I have faced severe adverse reactions from XXXX due to my status as a survivor, which has caused me significant distress and financial burden. 
- My services were terminated, leaving me without phone access. 
- XXXX has failed to address hacking incidents involving my accounts, perpetuating my victimization. 

3. **Other Creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ** : - These creditors have failed to comply with the law regarding my status as a XXXX  survivor. 
- I continue to receive attempts to hold me liable for fraudulent and coerced debts. 
- They have disregarded the Victim Determination Documentation ( VDD ) I provided. 

I reside in XXXX  and will be seeking a court-appointed document confirming my status as a victim of XXXX XXXX. However, I request immediate remedies under the XXXX XXXX XXXX XXXX and FCRA 605 ( c ). Due to issues with XXXX, please contact me exclusively via email at XXXX. 

It is imperative that the CFPB investigates these matters urgently and assists in implementing necessary remedies. The ongoing failures of these companies to address my situation as a XXXX  survivor are causing continued victimization and hindering my recovery. 

While XXXX, many victims suffer financial abuse, which I have also endured. CRA 1221 outlines provisions for financial relief from adverse accounts across all credit reporting agencies. As XXXX has complied with my requests, I am now seeking the same from Equifax and XXXX, including the permanent removal of all adverse tradelines and inquiries from my consumer report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX DOB : XX/XX/XXXX | SSN : XXXX TransUnion XX/XX/XXXX I am filing a formal complaint requesting the removal of account XXXXXXXX XXXX XXXXXXXX - XXXX from my credit report due to multiple inconsistencies and lack of verification by the credit reporting agencies. 

Detailed Description : The account in question is reported inconsistently by TransUnion XXXX and XXXX, with the following specific errors : Inconsistencies in credit limits and balances : TransUnion reports a high credit of {$1900.00}, while XXXX shows {$0.00} and XXXX {$1800.00}. Both agencies report different credit limit amounts. 

Incomplete Payment History : XXXX does not display any details about this account, which represents a lack of information. 
Current creditor verification : TransUnion, XXXX, and XXXX were unable to provide the name or details of the current creditor. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure that reasonable credit report information is accurate and verifiable. In this case, the agencies have failed to provide complete or verifiable account information, which has caused me undue harm. 

XXXX XXXX XXXX XXXX
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.

All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXX BANK XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX  XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/1988 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account from XXXX with a balance of {$20000.00}.

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I signed up for the Citi premier personal credit card XX/XX/XXXX with a link that " earn 50,000 bonus thank you points after {$4000.00} spend within 3 month of account opening. 
I spent more than {$4000.00} in two month and have waited. 
After 3 month still no bonus appeared on my account, so got a chat with Citi online representative but replied me that " No promotion offer found '', then recommended me gave a call. 
so I gave a call and talked with XXXX XX/XX/XXXX, answered need to wait one more billing cycle. 
today, it has passed another billing cycle, no bonus. 
I called and talked with XXXX. also answered need to review and wait 1~2 weeks. 
I don`t want to wait any more. 
I met the spending requirement in 3 month that they advertised. 
I never made any thank you points related credit card before. 
Thank you.
Product: Mortgage

I informed bankunited years ago, and they posted it on my account that I could not make my {$23.00} per month in late fees which has now reached {$830.00} I am XXXX years of ageand have never been late, when social security deposits my check into my checking account on the XXXX wednesday of each month, the first thing i allways do is pay my mortgage.the late fees are adding up and there is no way to reason with bankunited as they are for the bank.please, please see if you can help me because with bankunited taking advantage of me, I can never get ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested for my Credit report and file from Transition, XXXX, and XXXX, only received the report. I need my whole file.
Product: Credit reporting or other personal consumer reports

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer XXXX XXXX  and auto nation finance have had third party companies call me with threats for me to pay my debt and have given my info to other companies for collection. XXXX XXXX XXXX XXXX XXXX  retrieved the vehicle and my debt was not corrected as it was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. I saw these inquiries are on my credit report and they inaccurate 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

Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.
Product: Debt collection

XXXX. I was receiving calls from Paragon Revenue Group, multiple times per day, every day of the week for about two weeks. I was not familiar with them and I only received generic voicemails. 
XXXX. On XX/XX/2021 I received a debt collection letter from Paragon Revenue Group. The letter was dated XX/XX/2021. 
XXXX. On XX/XX/2021, one day after receiving their debt collection letter, I promptly return mailed Paragon Revenue Group a XXXX XXXX XXXX XXXX via USPS Certified Mail, Return Receipt Requested. ( Attached ) XXXX. Paragon Revenue Group called me the morning of XX/XX/2021. 
XXXX. Paragon Revenue Group received my Debt Verification Letter via USPS Certified Mail on XX/XX/2021 in the afternoon. The Certified Letter 's Domestic Return Receipt was signed by XXXX XXXX. ( Attached XXXX XXXX. I used the Debt Verification Template provided by the CFPB to request more information about this alleged debt. I do not recognize Paragon Revenue Group as a creditor to whom I'm allegedly indebted {$1000.00}. I never signed any contract with this debt collector and I am not responsible for their alleged claims against me. ( Attached XXXX XXXX. I stated in my Debt Verification letter : " All debt collection practices must stop. Phone calls of any sort will be treated as harassment. Please direct all future correspondence to my mailing address above. '' Per my request, the harassing debt collection calls stopped. In an effort to resolve this matter, reduce the volume of calls, and to have all communication via written word only ; I maintained an open channel of communication with Paragon Revenue Group by instructing all return correspondence be mailed to my PO Box Mailing Address. The same address they mailed the debt collection letter to me on XX/XX/2021. 
XXXX. I allotted Paragon Revenue Group 30 days to respond to my Debt Verification Letter. I monitored my PO Box mail on a daily basis for an additional 18 business days. 
XXXX. I never received a debt verification letter. I afforded Paragon Revenue Group ample opportunity and time to respond : 30 days after they received my request to verify this alleged debt plus an additional 18 business days to receive their return correspondence. 
XXXX. Paragon Revenue Group failed to fulfill their obligations as outlined in the Fair Debt Collection Practices Act. I do not believe they are a valid debt collector nor do I believed this alleged debt is legitimate. It only took me one day to respond to their debt collection letter. I waited nearly 60 days for a response and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was reporting information to Experian, XXXX and XXXX ; who were then reporting false and inaccurate information on my credit report. XXXX was reporting that I had a balance of over {$150000.00} for a used XXXX XXXXXXXX XXXX. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX Then when I called XXXX back and told them about my complaints I was forwarded to the correct department finally XXXX XXXX XXXX XXXX XXXX who esculated my call and since then Experian has corrected the information on my report. However, today I received a response through the CFPB from XXXX still stating that the infomation is verified through XXXX which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA 1681n that is a willful violation on behalf of XXXX and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of 16 CFR 433.2 and they are committing language fraud violating 17 CFR 424. I've attached my credit reports from all 3 credit bereaus proving the reporting of wrong information.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00}.
Product: Debt collection

on XX/XX/XXXX I received an alert that a new collection report was added to my credit report. When viewing the report I saw the collection company so I proceeded to contact the company, the lady who answered told me they been trying to contact me since XX/XX/XXXX but had no luck. I asked if they left messages she said no then she told me they sent letters about my " supposed debt owed '' to an address I do not reside at. She told me I owed {$800.00} but wouldn't tell me who or what it was for and just wanted me to pay it. I repeatedly asked for a manager to which she told me she was not going to give me a manager I had to deal with her. She stated the debt was from XXXX to which I replied with the debt is out by time isn't it? she said no and I said if you do not provide me with any information I am not going to pay to which she stated that " I need to get a job to pay my XXXX bills '' and some other words. I then said she was being very rude to which her reply was your momma 's a XXXX so get off the phone. I then kept asking over and over for a manager she finally hung up. Every time I call back she is the only one who picks up the phone it seems like a scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.