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

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

After suffering financial hardship due to divorce and reduced work hours, I requested my mortgage company to approve a short sale on my house. A foreclosure sale was scheduled in 14 days ( XXXX XXXX, 2016 ) but we had just received an offer for {$210000.00} that would pay off my loan with them ( Pay Off Amount is {$200000.00} ) and only leave them to pay part of the commission to the real estate agents and other closing costs. My agent sent them the purchase contract along with other documentation they requested and asked them to please postpone the foreclosure sale until they have time to thoroughly review the offer in hand and make a decision as to short sale approval. They informed my agent that since we only had 14 days until the sale and their internal process required 15 days to stop or postpone a foreclosure sale, they could not stop the sale. This is AFTER we had just told them we had an offer in hand from a qualified buyer. They still said because we only had 14 days, they probably could n't do anything. My agent told them all they had to do was pick up the phone and call the trustee and tell them to postpone the sale for 30 days and that should not take 14 days! I am furious and very confused as to why they would not just postpone this foreclosure when they know they have an offer in hand that will pay them off in full minus a XXXX dollars in closing costs. PLEASE HELP ME. I just need them to postpone the sale at this point, for 30-60 days, to give us time to get the short sale worked out.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiallity under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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, 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 information relating to a 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

Dear CFPB, For the past 2 years, I have continuously disputed the inaccuracy of various items being reported within my consumer profile with Lexis Nexis. Lexis Nexis has always verified the disputed items as accurate. I have even submitted proof of the inaccuracy information and Lexis Nexis refuses to correct or remove the inaccurate information being reported against me. I have now come to you for help with this problem. Lexis Nexis reports me as being a female when Im a male, they report me as being a SR when I have no children named after me as well as incorrect addresses and unverifiable public records information. I am afraid that Im a victim of a mixed or merged credit profile. I have conveyed these concerns in writing to Lexis Nexis and they continue the o report the inaccurate information. For example, the public record is listed in my consumer report but has another persons ( XXXX XXXX XXXX ) as the listed person under the bankruptcy section. This is a violation of the FCRA. I am asking for the immediate removal of all public records and a {$1000.00} fine per inaccuracy being reported. 

I am also requesting that Lexis Nexis Please send an updated consumer report with the updated information within 30 days. Failure to do so will tie my hands to file court action with the Federal Court. 

I am also attaching proof of my current address as well as proof of the inaccuracy public record being reported. 

Respectfully submitted, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

RE : COINBASE ACCOUNT CASE # XXXX In XX/XX/2021 I contacted Coinbase via their website that I needed assistance recovering my XXXX Authenticator, They were able to assist and the problem was resolved, In the meantime I was contacted by phone from someone ( XXXX ) whom I now know was from outside Coinbase Support who knew I was having a " technical '' issue and somehow knew my phone number to contact me. I disconnected the call and again went on Coinbase website and let them know of the contact attempt as they do not call customers. They disabled, locked my account and I have been trying to get my account unlocked ever since. The account recovery process needs to be done from a desktop computer which I have used many times by purchasing a XXXX  app on my phone. Once I did that I completed account recovery several times and it may have had a watermark on the " selfie '' and Drivers License photo, once I realized that I purchased the upgraded version to remove the watermark. The Account Recovery Process repeatedly is coming back as " Cancelled '' with no explanations or help in recovering my account. Its been 2 months now and a lack of Customer Support to resolve this issue. I am attaching all the details and timeline of communication and description of the difficulties in reaching resolution.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting

I had an account with people 's trust federal # XXXX that is listed on XXXX and Equifax as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment
Product: Checking or savings account

XXXX   XXXX   sold their banks to  First-Citizen s Bank & Trust Company  ,  XXXX , NC. My direct deposit on  XXXX / XXXX /   2017 was not   received, causing an overdraft of {$37.00} and I was charged a fee to high for a program I was part of, paying {$7.00} a month fee. If I was over drawn I was charged an aditional {$2.00}. My account is {$190.00} overdrawn. Why were the ccustomers NOT notified.  <P/> I am changing to another bank and receiving a check from the company that pays me   2x a month.
<P/>  I was unable to go into my investment acoount to pull mony out on Friday  XXXX ,  2017. It was  too late in the day when I discovered  XXXX  was sold.  <P/> I had Banked with   XXXX   XXXX   for  10 years.
Product: Debt collection

On XX/XX/2024, XX/XX/2024 andXX/XX/2024 I sent the letters via certified mail below : VALIDATION AND CEASE AND DESIST Collection agency name : JEFFERSON CAPITAL SYSTEMS LLC Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX, XXXX Your address : XXXX XXXX XXXX, XXXX XXXX XXXX Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I was wrongly being foreclosed on. I payed for and was given a loan modification olny to have my last payment returned to me and when I called to question why they said the would not except my checks and sent be foreclosure papers and demanded {$19000.00} of which I did n't have! They sold my loan several times and now the new company had me on the sheriff sale list for XX/XX/2017. I requested a loan modification the told me there was no time that they needed 37 days and it was n't even more then 20 days that they had my loan so I sent some beginning forms of a change in my finances.They in return sent me a letter on XX/XX/2017 agreeing that they would give me additional time to resume my application ... I received this letter on XX/XX/2017 the date of the sale ..The property when back to the bank.I then began to gather my paper work to send in an on XX/XX/2017 I received a letter from them telling me I was denied for failure to complete paper work and bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with XXXX  that they sent the report to Equifax on XX/XX/XXXX. In the letter attached, it clearly states that XXXX is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my XXXX account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that Equifax and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called Equifax on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that XXXX XXXX did not send them any information to clear up my records.  I went on for 6 1/2 hours going back and forth with XXXX and Equifax! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with XXXX XXXX. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to Equifax today. The agent informed me to reference this number when I called Equifax. Again, once I spoke with the agent from Equifax, he would not accept, confirm or deny the AUD # and continued to direct me to contact XXXX XXXX to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!
Product: Debt collection

I had a payment arrangement in place with Bay Area Credit Service. I have a letter dated XX/XX/XXXX that states my current balance as XXXX. I gave Bay Area Credit Service my debit card number and agreed for them to deduct XXXX each week toward the balance. My bank account statement shows six debit transactions where Bay Area Credit took XXXX each time for a total of {$300.00}. This was not the agreement. My account shows the first debit was taken on XX/XX/XXXX, then each week after that until XX/XX/XXXX which was the last debit transaction. I called Bay Area Credit to settle this issue. The first day, XXXX XXXX, XXXX, I called I was transferred to a supervisor named XXXX. He told me to fax over the documents or bank statements and he would be happy to refund the money. I faxed the documents in that very evening. I had not heard back from XXXX after several weeks so I tried calling back and every time the phone agents tell me that XXXX is unavailable and any other supervisor for that matter. I am lead to believe that I am being avoided. I have called at least 10 times and each time they tell me to call back in 15 minutes or call back in one hour, the supervisor is not available. I asked them to have him call me, but they say they can not promise me that he will.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App 3lock, Inc. ) due to inadequate customer ervice and unfair practices, which violate le Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take mely and effective measures to prevent and 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 inconvenience and financial loss, and I seek appropriate redress I am filing a complaint against Cash App 3lock, Inc. ) due to inadequate customer ervice and unfair practices, which violate le Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take mely and effective measures to prevent and 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 inconvenience and financial loss, and I seek appropriate redress I am filing a complaint against Cash App 3lock, Inc. ) due to inadequate customer ervice and unfair practices, which violate le Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take mely and effective measures to prevent and 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Reporting anything negative on consumer report without my permission, more being notified before hand by furnisher is a violation FCRA and XXXX Compliance & reporting violations 15 usc 1681a ( d ) ( 2 ) ( a ) ( i )
Product: Credit card or prepaid card

i bought a storage shed on XXXX through XXXX  website Order # : XXXX Order Total : {$370.00} i was given request # XXXX on XXXX when i reached out to XXXX for help through their site, XXXX  told me to call them which my schedule prevents me from it and i told them that and asked for the email to be forwarded on XXXX and i was given request # XXXX and never received any email communication since. XXXX i initiated a dispute with my credit card and i had tremendous issues with them where they closed the case out shortly after it was opened which prevented me from submitting any type of documents and i kept telling them that and they didnt want to listen and the mail system has been completely unreliable. which led to a XXXX  complaint against discover on XXXX XXXX  complaint # XXXX over the issue and asked the XXXX  to submit documentation and they have confirmed discover received documentation on several occasions and discover claims no such thing occurred however the XXXX  refused to let me know who the documents was sent to and by what method and i made several attempts with the XXXX  on it including at the highest level at the XXXX  ( Complaint XXXX ). i had also followed up with discover and filed a complaint against the case handler and asked for my money back as well.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) wrongfully billed me for {$250.00} for a procedure on XX/XX/2019. As per attached EOB, the " Patient Responsibility is {$0.00} ''. I rejected the bill as such and attached. XXXX then turned over this false bill to the debt collector " JJ Marshall Associate ''. Subsequently, JJ Marshall eventually reported this false claim to the XXXX credit bureaus ( XXXX, XXXX XXXX XXXX ). I was able to " win '' my dispute with XXXX and XXXX and kept my XXXX credit score intact but XXXX did not see it in my favor. I believe the reason is that as far as JJ Marshall Associate is concerned their client turned over a valid debt and their responsibility is to the client and they have no interest in understanding the actual " root cause '' i.e. the debt is false as per my health insurance provider. My request is that JJ Marshall Associate removes this collection from my " account '' and from all credit monitoring agencies. 
JJ Marshall Associate address : XXXX XXXX XXXX, XXXX MI XXXX, phone : XXXX.