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

On or about XX/XX/2023, I received a XXXX ID Theft protection alert. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional Norton Identity Theft ( and Dark Web ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an Equifax breach, and most recently the XXXX XXXX XXXXXXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies 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. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.
Product: Payday loan, title loan, or personal loan

Happy Money ( PAYOFF loans ) issued me a loan which they make it difficult to make final payments and caused my account to incur additional interest. They will not issue a 30 day payoff which does not appear to cause additional interest except for the fact that their website does not allow me to make the last smaller payment to close out my account. My account shows past due even though I made a large payment in excess of the actual amount due a week before the due date. 

When I attempted to make my last payment, Happy Money does not allow to make a small payment and only allows for the regular monthly payment. My options from the website are to over pay hundreds of dollars or contact them to setup the payment. This again causes increased interest to my account. 

The first time I reached out to the company I received a response that they are closed for 2 days due to a company outing. More interest. 

When they got back to me the payment could not be scheduled for a few more days. More interest. 

All of this extra interest might be a small amount but they are doing this to multiple customers. I found this out by looking at social media and found others complaining of my same situation. This makes me feel that it's done on purpose to increase profits. 

I have included 2 screenshots. One shows that I made a large payment but yet the website still says I'm past due. The second shows that I'm unable to pay the {$81.00} balance. The {$81.00} has additional interest because I was unable to pay using the website but they do not provide a statement that shows this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX 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

I have been a victim of Transunion inquiry issue. I reached out to the company and they refused to assist me with my concerns.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and the creditor associated with XXXX XXXX XXXX due to their failure to provide legally required proof of the accounts validity. Additionally, the account was sold to Monterey Financial while it was actively under dispute with the original creditor, further violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue XXXX XXXX XXXX XXXX XXXX  : Monterey Financial ( purchased from XXXX XXXX XXXX XXXX XXXX I have repeatedly requested specific documentation, such as a signed contract, agreement, or original account details, to validate the accuracy and ownership of this debt. Neither XXXX nor the creditor has provided any proof to verify the accounts validity. 

While this account was under active dispute with the original creditor XXXX XXXX XXXX XXXX  it was sold to XXXX XXXX, which is against the FCRAs requirement for accurate reporting during disputes.

FCRA Violations : Failure to Verify : Under Section 611 of the FCRA, credit reporting agencies are required to investigate disputes and delete any information they can not verify. XXXX has failed to provide any verifiable proof or supporting documentation for this account. 

Failure to Provide Proof : I have requested specific documentation, including a signed contract or agreement, to establish the legitimacy of this account. Neither XXXX nor Monterey Financial has complied. 

Improper Sale of Account During Dispute : The original creditor sold this account while it was under dispute. This action violates the FCRAs protections against improper reporting of disputed items. 

Continued Reporting of Unverified Information : XXXX continues to report this account without sufficient proof, which is a clear violation of the FCRAs requirements for accuracy. 

My Attempts to Resolve the Issue : I filed disputes with both XXXX and the original creditor, requesting proof of the accounts validity, including a signed contract or agreement. 
While my dispute was pending, the original creditor sold the account to Monterey Financial, which ignored my ongoing requests for validation. 
I have repeatedly asked XXXX for proof of the accounts legitimacy, yet no documentation has been provided to date.
Product: Credit card

I have a Wells Fargo credit card account that was used to purchase new windows for my home. The first payment of {$980.00} on the account was due on XX/XX/XXXX. On XX/XX/XXXX, I set up autopay on the Wells Fargo XXXX. The app informed me, along with a confirmation email, that I was enrolled in autopay and that the first payment would be drawn as required on XX/XX/XXXX. 

On the morning of XX/XX/XXXX, I received an email from Wells Fargo at XXXX PT informing me that they had not received payment. I immediately called Wells Fargo XXXX support on XX/XX/XXXX to ask why I received the email. I spoke with XXXX XXXX # XXXX ) who told me that I needed to make a XXXX payment before autopay would take effect. I told him that is not what the app and email say- both indicated that my first autopay payment would be scheduled and drawn on XX/XX/XXXX. He put me on hold for nearly XXXX minutes to talk with his 'manager '. Afterward, he came back and told me that the payment would be drawn on XX/XX/XXXX and that I could ignore the email that indicated the payment was missed. 

On XX/XX/XXXX, I logged into my app to confirm the payment went through. Turns out, the payment DID NOT go through ( was not attempted ) and now the autopay status on my account said " Pending '', with a little 'i ' icon, when clicked stating that my autopay payment would not take effect until my next billing cycle. I immediately called Wells Fargo customer support on XX/XX/XXXX after seeing this issue.The woman I spoke with told me that I would now be charged a late fee because of this. I asked her to not charge me a late fee and she said there was nothing she could do about it. She said I would have to call back on XX/XX/XXXX to ask them to reverse the charge at that point. 

Wells Fargo has created a convoluted, misleading, inaccurate, cumbersome web of a process in a manipulative attempt to con people out of money through late fees. If I were not very diligent about following up with them, it is likely that this late fee would have been missed ( many people would not pay attention ). This is a grift by Wells Fargo, aimed at vulnerable consumers. They have crafted a deceitful process to trick people out of their hard-earned money and they should be absolutely ashamed of themselves. This is the absolute LAST time I do business with them. 

I have attached proof from the email I received that Wells informed me the payment would be processed on XX/XX/XXXX.
Product: Credit reporting

I had a collection account on my credit report with XXXX in the amount of {$410.00} with account number XXXX .... They originally had XXXX XXXX XXXX attempt to collect this debt and I was able to sue with the help of XXXX XXXX, XXXX and I won a settlement of {$1000.00} as a result. I then paid the account and settled for {$230.00} on XXXX XXXX and attached the proof. I filed a complaint with the FCC on XXXX XXXX ( CASE XXXX ). They just gave me a generic response and I attached it for you to review. I called XXXX XXXX at XXXX XXXX XXXX XXXX and it kept going to voicemail. I then called XXXX XXXX XXXX XXXX and spoke to a young woman who refused to give her name and at first could not locate my file with my social security number. Then she found my file with me giving my name and said I owed {$90.00}. I told her I had already paid the account on XXXX XXXX and she said there is no record of that. Then she put me on hold and came back and said, oh no wait, it shows you made a payment on XXXX XXXX and it will be updated on your credit report as deleted. I confirmed that it would be deleted and she said no, it will updated as paid. I told her I paid this account almost 3 months ago and why is it taking so long to report as paid. She said the payment just went through on XXXX XXXX but it was drafted from my checking account on XXXX XXXX. I am very upset that a company like XXXX can take advantage of consumers like this and damage their credit reports for mistakes they are making.
Product: Debt collection

XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act. I filed another complaint against them back in XXXX, but I still have received no verification of debt.
Product: Mortgage

I have owned a property in Hawaii for quite sometime and have always had full hazard insurance on it. Last year I got a letter from XXXX XXXX XXXX saying I needed to add Hurricane insurance on the property. I do mortgage loans and know that most banks do n't require hurricane insurance. I was forced to buy it from a company called XXXX said they would put expensive insurance on it. XXXX then sold the loan to greentree and then it went to ditech. I called ditech to get out of the added insurance but they said it was wind and hail insurance. There 's no Hail in XXXX. A woman named XXXX in their insurance department said it was ditech 's policy. 
I do n't think the bank that purchased my loan should be able change the contract and add an additional insurance cost as a requirement. Some banks for years have been trying to say that it 's a state requirement to have hurricane insurance in XXXX. It 's not - it 's a racquet.
Product: Money transfer, virtual currency, or money service

The transfer was put on hold and when the MoneyGram agent and me, talked with a high level manager at MoneyGram he refused to allow the wire transfer! The agent and me answered all the questions he asked! The MoneyGram manager said I was not allowed to use MoneyGram services anymore! This would not be a problem, but XXXX XXXX told me five years ago that I could not use there services! I tried to use XXXX XXXX recently, but they declined the wire transfer! 

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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD LIKE THEM TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLY PLEASE AND THANK YOU.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or 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.
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. 

Account name : 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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. 

Transunion keeps reporting this account it needs to be blocked and removed permanently
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, Mo XXXX ] [ XXXX [ XXXX ] [ XX/XX/year> National Credit Adjuster [ XXXX XXXX XXXX XXXX ] [ XXXX, Ks XXXX Subject : Cease and Desist Notice Dear To Whom It May Concern I am writing to formally request that you cease and desist all communications and actions related to [ specific issue, e.g., debt collection, harassment, etc. ] involving my account XXXX Despite my previous requests to stop contacting me, I have continued to receive [ describe the nature of the communications, e.g., phone calls, letters, etc. ]. This behavior is not only unwelcome but also constitutes harassment laws and false reporting. 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) Please consider this letter as my official notice that I wish for all communications to cease immediately. If you do not comply with this request, I will have no choice but to take further action, which may include filing a complaint with the appropriate regulatory authorities and seeking legal counsel. 

I expect written confirmation that you have received this letter and that you will comply with my request. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I on XX/XX/2019 I obtained a loan from check smart financial/Cash Central in the amount of XXXX which was credited to my checking account. I had requested that the loan repayment be extended to XX/XX/XXXX. I then contacted them on XXXX by phone and requested that they revoke all ACH and debit transactions to my checking account and that I would make other arrangements to pay back the loan. The representative informed me that she would place a temporary hold for ten days, but that I needed to submit a request in writing within those ten days to make the revocation permanent. She provided me with an email address to submit the request. On XX/XX/2019, I submitted a written request to stop all ACH and debit withdrawals from my checking account. However, on XX/XX/2019 the company debited my checking account for XXXX. I attempted to resolve the issue by contacting them, however, they refused to credit the money back to my account. I then contacted my bank, XXXX and they issued me a temporary credit for XXXX. However, on XX/XX/2019, XXXX back reversed the claim and charged me XXXX. I contacted the bank and they told me that payday lender presented a loan document stating that I owed the money. However, Im not disputing the loan, I disputing their right and ability to take funds from my account when I specifically requested in writing that they stop all ACH abs debits from my checking account. According to consumer finance : You have the right to stop a payday lender from taking automatic electronic payments from your account, even if you previously allowed them. You may have signed a payment authorization, which is sometimes called an ACH Authorization. This gives the payday lender the ability to debit your account when your payment is due. According to Consumer Finance I am well within my rights to request that they revoke payments and I took proper procedures to make the  request. I have a copy of the written request and a picture of my call log making the initial verbal request as proof. I have exhausted all other options and efforts ; and submitting a complaint is the only option I have at this point.
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 violate the Consumer Financial Protection act ( CFPA ) Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore their dispute resolution process was deceptive and unfair as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. Im seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 reporting, credit repair services, or other personal consumer reports

Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX  mother raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.
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. 
-XXXX XXXXXXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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: Student loan

I submitted my employment certification for public service loan forgiveness on XX/XX/2021 and it has not been processed yet. I have tried calling several times over the past XXXX weeks and I wait on hold, the phone rings, and it hangs up.
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 this payments 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