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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/year> while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXX XXXX, Coinbase, and XXXX for my transactions. I never got a warning or fraud alert from any of these institutions, so I felt they were a legitimate group. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. Their groups namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal.I later got a company that claimed to recover lost XXXX XXXX XXXX XXXX XXXX XXXX, but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to Coinbase to recall the funds but this has been abortive as Coinbase says crypto transactions that are confirmed are irreversible. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers.
Product: Debt collection

I am receiving repeated phone calls about this debt. They are spoofing numbers and calling repeatedly.I have no idea what this is or why they are collecting. Never received any notification about this and now it's on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Here is the account that is mentioned : XXXX XXXX XXXX : {$27000.00}
Product: Debt collection

the debt owed was {$430.00}. We received a call from another company saying they had the debt and we needed to pay it. I can't remember when they first made contact but they took the first amount out as follows XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00}, GREATER COLLECTION XX/XX/XXXX - {$60.00}, XXXX XXXX XXXX XX/XX/XXXX - {$60.00}, G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B XX/XX/XXXX - {$60.00} G.C.A.B FOR A SETTLEMENT AMOUNT OF {$390.00} THE MONEY WAS TAKEN OUT OF MY ACCOUNT THAT WAS SET UP THROUGHT THE COLLECTION AGENCY THAT TOLD ME THEY REPRESENTED XXXX XXXX. THE " COLLECTION AGENCY '' THAT FRAUDED ME OUT OF MY MONEY WAS GREATER COLLECTION AGENCY BUREAU XXXX XXXX  XXXX XXXX NC XXXX PHONE NUMBER ( XXXX ) XXXX FAX NUMBER ( XXXX ) XXXX EMAIL : XXXX. THEY TOOK THE MONEY OUT OF MY ACCOUNT ON TIME AND DID NOT TAKE ANYMORE THAN WHAT WAS " OWED ''. THESE PEOPLE ARE A FRAUD!!!!!
Product: Student loan

I have requested from Suntrust Bank who recently purchased my Student Loans that I be able to inspect and see that they have the Original Instrument ( s ) of Indebtness. They have responded twice and in both responses they have failed to present that/those documents. I have sent both complaints to FTC and it has been referred to you- the CFPB- and although they have failed to produce the requested information the complaints have been closed. At this time I wish to make my complaint fully explaining that they have not produced the Original Instrument ( s ) of Indebtness and In fact the document that they produced not only is a COPY but it is also a copy of a Loan with out the loan amount stated on the document. And also In Fact, The loan I took out on the date of XX/XX/2005 was for less than $ XXXX.The total cost for attending International Academy was less than the above stated {$6000.00} PLUS I had Pell and other Grant monies I had qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with XXXX as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the DMP and have not been reported as late so I am unable to understand the problem.
Product: Student loan

I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number 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
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 I noticed some information being reported inaccurate causing adverse action while trying to obtain Credit. I have requested this information be corrected and send me information regarding my payment history The results would always say the information was accurate.60 Days later I filed a complaint with CFPB regarding the handling of the situation. On my Credit report i Have two Separate accounts with XXXX that are reporting different information ( Payment History, Name of company with account, Account status, these issues that i have been begging the credit bureaus to delete and remove all inaccurate information, Inaccurate payment history. The documents I have attached will show both accounts and the have inaccurate information from burau to bureau This company has proven that my rights under the FCRA means nothing. This company refuses to comply with the law by making sure the information they share is accurate. it is approaching 90 days since the I've made my initial complaint of the incorrect information being shard and every complaint was responded with more negative information More incorrect information and no desire to respect my covered rights
Product: Mortgage

I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!
Product: Mortgage

XXXX XXXX, XXXX cfpb Re : Bayview Loan XXXX XXXX XXXX XXXX XXXX XXXX I have sustained unmeasurable financial and personal loss as a result of the misleading and unethical conduct of Bayview Loan Servicing. I believe I am due a substantial reduction of fees, interest, and principle as a result of the gross mishandling of my mortgage. The attached timelines chronicles the events that effected this situation, to date. I must stress it was based upon Bayview advised that I decline the original modification as the offered a principal reduction program of which my approval was " eminent ''. 
1. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( loan XXXX ). Shortly thereafter the loan servicing was assigned to Bayview Loan Servicing ( account XXXX ). 
2. XXXX XXXX, XXXX. After 22 months qualified for Home Affordable Loan Modification - Representative 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX. XXXX ). 
3. XXXX XXXX, received notice that I qualified for a new modification based upon a national mortgage settlement reducing monthly payments " up to 39 % ''. From XXXX XXXX Bayview Loan XXXX XXXX. XXXX XXXX, XXXX - received notice of approval on XXXX XXXX XXXX XXXX 5. On XXXX XXXX, XXXX as instructed by XXXX XXXX ( per the advice of his supervisor ) to decline loan modification and apply for settlement program, which I did. 
6. Over a period of a year, supplied documentation to XXXX. Each time he acknowledge and stated things were moving along well. 
7. XXXX XXXX, XXXX receive notice of Default and Intent to Accelerate from Bayview. XXXX year after being advised to decline loan modification. 
8. With the assistance of XXXX XXXX international ( client XXXX ), Representative XXXX XXXX XXXX Bayview re-opened modification program application. I was under the assumption it was the same program XXXX proposed, assigned to XXXX XXXX at Bayview ( who has been most helpful ) XXXX. 
9. XXXX/XXXX/XXXX Approved for loan modific ation ( not from settlement ) program with a massive balloon payment of {$310000.00} but a lowered interest rate. Far from the 39 % reduction I was lead to believe. Representative XXXX XXXX XXXX x XXXX. 
10. XXXX/XXXX/XXXX XXXX XXXX informed me they do not offer settlement reduction modifications. I said I had a copy of the proposal, which I forwarded to him ( attached ). 
Please note if I proceeded with the original modification, rather being instructed by Bayview to reject it, I would have been making payments over the past 23 months, there would not be an extreme past due balance.
Product: Money transfer, virtual currency, or money service

Hello, I've been using XXXX XXXX insurance for some period ( purchased thought the XXXX XXXX, then at XX/XX/XXXX I canceled the contract ( which is clearly seen in the marketplace, see attached ). 

I used to pay their bills with my banking account via ACH, though I didn't authorize any autopay or recurring charge. 

Then on XX/XX/XXXX I got an email ( attached ) that I was charged for XXXX XXXX bill, and payment was processed by XXXX XXXX https : //www.fiserv.com/XXXX ), a scam looking payment provider whom I was unable to contact anyhow ( their 'customer support ' mailbox for example simply bounces any email ). 

I login to their online account through XXXX 's website, and canceled this autopayment which I never ever authorized. There I found that this 'authorization ' I supposedly made on XX/XX/XXXX ( see attached ). I double-checked my browsing history : no, I didn't login to their service on XX/XX/XXXX. Actually I never login to their service before I they charged me without my authorization. So I couldn't authorize this autopay. 

Earlier in XXXX I got email from XXXX that they changed their payment provider. It seems like they disclosed my payment details to the XXXX XXXX, and authorized autopay for me without my consent. It's a clear fraud. 

Another interesting thing : this payment is not shown in XXXX XXXX statement ( see attached ). And XXXX has a very unprofessional online service so there is no payment history there at all. Moreover, I can't edit my payment methods, and for example I can't delete my banking details. Thanks God I was at least able to cancel this autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX  XXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX, CA XXXX I only work for XXXX.
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 violates The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act chase bank has violated my rights. 

15 USC 1681 section 602. States I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an opened and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

At the beginning of XX/XX/XXXX, I refinanced my Firstmark Services student loan with a new servicer. Since I was enrolled in autopay on my Firstmark account, an additional {$1000.00} payment was withdrawn after my new servicer paid the consolidation payment, resulting in an ending principal balance of - {$910.00}. I initially called on XX/XX/XXXX and the representative told me that the overpayment balance would be sent to me via check once my account transitioned to " Paid in Full '' status, which would take about 3 weeks. After not hearing anything beyond that, I called on XX/XX/XXXX and was told that a check was sent out to me on XX/XX/XXXX and that I should receive it by XXXX at the latest. After not receiving the check nor any further correspondence from Firstmark Services, I called on XX/XX/XXXX and was told that according to their records, no check was ever sent and that my account was being put into " Review '' status to determine the issue. I was told that I would receive a call from someone on the " Leadership Team '' within 24-48 hours. After not receiving a call by XX/XX/XXXX, I called again and spoke with a supervisor ( name redacted ) and was told that my account was being reviewed by the " Resolutions Team '' to determine if a check had been created, sent, and/or cashed. He also said that a " rush '' was being put on my inquiry to receive a quicker response. Although it was previously determined thatbased on the details for my account in their systemno check had been sent ( and therefore could not have been cashed ), the supervisor said he would look into the details and follow up with me with on XX/XX/XXXX and XX/XX/XXXX ( his work days ) regardless of whether he had updates just so I knew it was still being worked on. I received no call on XX/XX/XXXX and when I tried to call on XX/XX/XXXX, my call was terminated due to the offices being closed. I called again on XX/XX/XXXX to speak with the original supervisor and was told that direct supervisor numbers are not given out for privacy reasons, which I understand. However, when the service representative messaged the supervisor to ascertain the status of this issue, he stated that " there haven't been any updates yet '' despite him saying he would reach out anyway just so I knew it was still being worked onthen stopped replying to the service representative 's messages when she asked him what the next steps would be. At that point, I asked to speak with another supervisor ( name redacted ). While he was friendly and understanding, he said almost the exact same thing as the first supervisor, including that he would give me a call on XX/XX/XXXX regardless of whether there was an update and that he would put a " rush '' on my inquiry. I compiled all of this information and submitted a complaint through Firstmark Service 's customer service system and just received a response saying they were sorry for the confusion and that a request for a " Leadership review '' was submitted for my account, which is exactly what I was told when I called in on XX/XX/XXXX.