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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXX has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a late payment reported on [ XX/XX/year> ] for my closed paid XXXX XXXX XXXX. 
I want you to know that I understand my financial obligations, and if it weren't for an oversight, l 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have diligently paid on my account. Since then, l 've had a spotless record of on-time payments. 
My wife and I are planning to apply for a mortgage, and it's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope you'll approve my request. 
Sincerely : XXXX XXXX
Product: Mortgage

The assignment on my mortgage is fraudulent. Ocwen knows about it and will not address the issue in a timely manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX, Has violated my rights.

15 U.S.C 1681 section 602 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

on XXXX  i subbmited a complaint to CFPB due to incorrect informatuon reporting on my credit report. nexus group put a bill for {$2300.00} on my credit report knowing this debt does not belong to me. The XXXX group is using unfair practices to get me to pay for a family members bill. The claim that they would delete this item from my credit report and close the case but that never happened. 



The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.
Product: Credit card or prepaid card

I have had a credit card with XXXX for the past several years through Comenity Bank. I have paid on this account faithfully every month with very few late payments, if any at all. This past month I started receiving notices that my payment to XXXX was overdue, and they were threatening to suspend my account. I checked my past payments and saw that I was paying on time each month, so I was at a loss as to what they were talking about. Well, to my surprise, it was not Comenity Bank where I have around a {$1700.00} balance at XXXX that I pay on every month. No, this was XXXX calling because they have taken over the servicing for XXXX 's credit card account so that when I charged around {$200.00} at XXXX for my son 's presents, they had set up a new account for my XXXX account so now I owe them {$45.00} for THAT account that I did not even know I had!! XXXX said my balance with XXXX from Comenity Bank should have been moved over to them when they ( XXXX ) took over XXXX 's accounts!! How in the bloody XXXX am I supposed to pay on two separate accounts ( with interest!! ) to two separate banks for what should be one XXXX account!! Comenity will not move the balance over to XXXX so I can just make one XXXX payment a month ; they said I must have missed their e-mails about the change in banks so it is my fault and they will not help. I am infuriated and refuse to accept this! They should have moved it when XXXX took over - e-mails be XXXX. Please help me before I fly out to XXXX and hunt down their President to get things made right! I am very ill, and this is NOT HELPING!!!!
Product: Student loan

In 2005, I attended XXXX University for XXXX. At that time the loan amount was {$20000.00}. I was told I was getting a student which at the time was called Sallie Mae. Later I learn it was a private loan. When Obama was in office he came out with the student loan forgiveness program. Sallie Mae which is now Navient wasn't a part of the forgiveness. Now I am learning that Navient were supposed to provide the service. Because I couldn't get help with my loan. It has been in default for about 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX  trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and XXXX. However, I am unable to create an account on Experian due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received new credit reports from Experian, XXXX and XXXX. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.
Product: Credit card

I request to cancel my {$5000.00} secured credit card on XXXX XXXX. I confirmed when can my {$5000.00} released to my checking account. Their credit staff replied that it took 14 working days. I said that's ridiculous and unreasonable.BOA took my {$5000.00} when I applied secured credit card, but when I request to cancel card, it should be the same way, that's one day, instead of 14 working days without any interest. That's totally unfair, to bully consumers very seriously!! 

Then on XXXX XXXX, I called BOA to confirm again. They are even more arrogant and rude.They just repeat that it's process, but I emphasized that's not fair process and ask them to reflect my opinions. They just repeat their rule without respecting our consumer 's feeling. It's a insult, it's a financial bully.So I decide to raise administrative complaint and legal lawsuit step by step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Money transfer, virtual currency, or money service

Cash app closed out multiple of my accounts for no reason I can not even withdraw my balance, and for some reason my information was being sold without my permission when I contact the Cash App about the situation they did not help me. They sent me to this XXXX XXXX number and it wasnt even a real person. I couldnt even pay my rent the next month because Cash app was my bank. It was devastating. Only thing I wanted to do is reimburse me.
Product: Payday loan, title loan, or personal loan

XX/XX/10 Applied for the loan online and got approved Called in to check for loan amount increase per pre approval i can get higher amount Rep hang up on me and cancel out my application without authorization Called back in and they will not reinstate the app - Instead they asked me to apply with a different email address which makes no sense
Product: Money transfer, virtual currency, or money service

Date : XXXX Amount : XXXX litecoin Company : XXXX ( Coinbase inc. ) My account : XXXX Action : Failing to recognize an erroneous transaction I was trying to transfer Litecoin to my another account. However, I accidentally entered my Bitcoin address instead of my Litecoin address as the receiving address. Of course, this got rejected by the blockchain right away. However, XXXX confirmed this as a valid transaction. As a consequence, the XXXX litecoin has been withdrawn from my GDAX account although the transaction never happened. Ever since, Litecoin had dropped 30 % in value and I lost the opportunity to sell it since XXXX had effectively confiscated my litecoins. I contacted their customer supports and they havent got back to me in 2 months. 

I attached two screenshots. One shows the transfer history from my XXXX account, and it says the transfer is complete. However, if I track the transfer address, it says the Litecoins were never redeemed ( i.e. the transfer was never completed )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX, NM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX BALANCED {$15000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX BALANCED {$340.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} LENDING PT XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$200.00} AAFES XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with XXXX, XXXX  and XXXX  and its has been well over 30 days and I havent receive any investigation results.
Product: Credit card

I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.
Product: Vehicle loan or lease

Electronic bill pay cleared my XXXXk XXXX XXXX account for {$8900.00} to Westlake Financial Services on XX/XX/2022. Westlake is unable to locate that payment despite 2 proof of payment submissions from XXXX to Westlake via FAX. Westlake finally acknowledged receipt of the FAX, but they continually cite the inability to trace that payment on XX/XX/2022. Most of my phone calls end up with Westlake disconnecting me after several minutes on hold or many futile attempts to reach a supervisor. I did speak to a supervisor XX/XX/XXXX and she told me to call back on XX/XX/XXXX ; the supervisor was not working XX/XX/XXXX. 
The XXXX payment was an early payoff but I have since had to make my XXXX payment so I would not be lenalizedfor late payment as Westlake said they may not waive any any late fees while waiting for their " investigation '' into the lost electronic transfer. 
Account number is XXXX.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

Today, XX/XX/2018 a transaction from XXXX was made by my nephew. I allowed my XXXX year old nephew to do the transaction with his gift card, but not with my chase account. Once I saw my online account and saw the transaction I called to cancel the payment. XXXX, the customer representative that I called allowed me to cancel my payment, and from there he forwarded me to another customer representative for questions. However, when he forwarded me to the other customer representative she made a huge deal. I was answering her questions and she said that the best would be to charge my nephew. I told her that how can I charge my nephew, which is only XXXX years old? He is not even an adult. If I'm calling to cancel the transaction they usually ask me the questions and then they cancel it. 

During this situation, the lady said I had to show them proofs of my transaction that it was with a gift card. I told her that I had the gift card on hand with me, but she forcibly wanted transaction proofs from the gift card. In which I had explained her my situation but she kept insisting on charging my XXXX year old nephew. I told that how is that possible if he is under age? Why can't they cancel my transaction and from there it will cancel any XXXX items my nephew bought. However, she said that she couldn't cancel it just like that because that would be a loss for the business, in which I asked how would that be a lost if XXXX/XXXX would return them back the money and cancel any games my nephew bought making him not to have access to them. When I told her that she told me it would be a loss for chase. 

Afterwards, she told me she can process the claim, but that if I didn't send them any proofs within 10 days then they would have to charge my card back for that amount. I never had a situation like this before, so I don't know why they are doing this now. They should have different alternatives to actually deal with a situation like this but she kept insisting for me to charge my XXXX year old nephew if I didn't have any proofs. I have the proofs of the transaction on my bank account, so why ask me for proofs on the gift card being used when they had never done anything like that before. 

Honestly, I was shocked with this situation because I never had any trouble disputing a transaction with Chase. I felt that the lady was looking out for the business loss instead of just doing the usual process and give me my refund back.
Product: Debt collection

This company sends multiple texts each and every day for a debt never owed. I live alone. I am a XXXX senior who has never ever had cable or internet service at home save for my mobile phone. These folks refuse to provide any proof debt is owed. ( It's not ) They refuse to stop harassing with multiple texts/calls per day. They have been sued multiple times but apparently that has no effect on them continuing to try to collect a bogus debt. 

Name : MRS ASSOCIATES Organization : MRS ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Checking or savings account

I have received my direct deposit from Capital One Bank, I dont have access to my funds. I called to speak with someone XX/XX/year> and was told that I should receive my funds before the day is over with that they are having technical issues. Here it is the next day and I have yet to receive my funds. I wasnt told what was going on, no heads up no nothing. This is very stressful, because I need my money and its causing others issues and losses. I really need my money. I think its very unprofessional of them on their part to not even inform me. I shouldnt have been the one doing the reaching out to see whats going on. That was very upsetting.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, XXXX XXXX XXXX XXXX XXXX, does not have a license to operate in the State of Georgia, where I XXXX. 
I have enclosed evidence to support my claim, including a copy of the NMLS consumer access list of licensed debt collectors and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before engaging in debt collection activities in the state. 
Given that XXXX XXXX XXXX XXXX XXXX does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report. Someone applied for something using my information. According to the FCRA, legally these unverified and unauthorized items must be removed immediately. All unauthorized inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification regarding this debt, If in fact you believe that i have anything relation to this debt please provide proof of verified documents with my signature. I'd like to have this removed from my consumer report, according to the FCRA this a violation of my rights. 


this is the company ; TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Solar Mosaic LLC reported an account on my credit record showing {$12000.00} balance. I never purchased any solar equipment and never okayed to get a loan for solar. I tried to get ahold of them and information I found left me with only message machine and got no call back.
Product: Credit reporting or other personal consumer reports

Hello theres several companies Ive contacted thats on my credit report and I sent Them ftc report and police report and they promised to remove the items from my report and have not done so this is illegal and Im needing to take action please help me get the negative items off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion will not remove my ardmore fiance acct even when the company stated i paid in full and also sent message to Transunion i also sent out the letter of paid also i attached here so you can see also please help me they will not help me and that's against my rights