23daVinci/CFPB_Complaints huggingface dataset:
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. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The Fair Credit Reporting Act 15 U.S.C. 1681 Section 802 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. With that said- XXXX and XXXX are Consumer Reporting Agencies and I am the Consumer. I as the consumer have the right to make sure my privacy information isn't shared which is back by 15 U.S.C. 6801 that 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 consumers ' nonpublic personal information ''. Discover Financial Services is a financial institution by definition under that specific title. Furthermore, 15 U.S.C. 1681 Section 401 ( a ) ( 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 ''. The financial institution Discover Financial Services and the consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish any information in regards to the DISCOVER BANK account ending in XXXX and they surely do NOT have my written consent either. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 U.S.C. 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 ''. Discover Financial Services never informed me of my rights to exercise my nondisclosure options. Not only that- 15 U.S.C. 1681 ( c ) ( 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 that they are reporting without my permission which is against the law. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is your notice that I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Incorrect XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX 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 PLEASE XXXX  THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been in XXXX  6 years since I was XXXX came home and my credit was messed up and I cant open any major banking accounts and I never had a bank account
Product: Money transfer, virtual currency, or money service

Got scammed into a crypto fraud scheme. There were a total of XXXX transfers. Starting XX/XX/XXXX XXXX there four {$1000.00} dollar transfers out of our checking account by debit to XXXX XXXX On XX/XX/XXXX there was {$10000.00} withdraw by debit. The rest of these were by domestic wire transfer. XXXX {$29000.00} each. XXXX {$55000.00}, XX/XX/XXXX {$71000.00} and XX/XX/XXXX {$20000.00}. when this was taking place I was getting threatened with money laundering charges. XXXX sent me an affidavit showing money I would receive. When it was paid i was told it would cost another $ XXXX. even though I knew something wasn't right, I knew then I messed up. they threw out names like XXXX XXXX, head of the XXXX and XXXX XXXX XXXX, head of the FBI. We were scared. threats like that and toward my family. I didn't know what else to do. XXXX XXXX was the primary contact. XXXX XXXX was involved as well. I thought they were all legit. I cleaned out my savings and retirement. Please help us. Thank you
Product: Money transfer, virtual currency, or money service

XXXX  has closed my account with them and my XXXX  credit card without cause or explanation. I've had a XXXX  account since XX/XX/XXXX. I use it several times a month to pay friends and family and to make purchases on XXXX and XXXX using those platform 's native integration. 

On XX/XX/XXXX, XXXX  suspended my account, sending an email that stated : " XXXX noticed some unusual activity linked to your XXXX  account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents. '' I submitted a passport and drivers license to the link they provided. On XX/XX/XXXX, they replied with : " We have recently reviewed your usage of XXXX XXXX services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with XXXX XXXX User Agreement. As a result, we have placed a permanent limitation on your account. ''
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/20, I had been in contact with someone about purchasing a puppy. We discussed shipping the puppy from NC to my address. They set up a dummy website for a product that they do NOT carry ( XXXX puppies ). The seller did not contact me after the payment of XXXX was sent. I later found out that their website was a scam after the funds had been transferred. I contacted my bank to close my account to prevent the funds from be transferred. I made a dispute claim with PayPal twice and they closed the dispute both times.
Product: Payday loan, title loan, or personal loan

I got a payday loan for about {$220.00} over a few months ago. They have been taking out about {$68.00} every other payday. This has been going on since XXXX of last year. The initial payment started in XXXX for {$81.00} then {$67.00} every two weeks since. I tried asking them for a copy of my contract but they haven't given me one. I've also ask them when are they gon na stop withdrawing out of my account but all they can tell me is that I'm still in contract. Per my calculations I have paid over {$800.00} for a {$250.00} loan. Is their a way you can help? Also this particular loan company likes to charge a annual percentage rate of 769.32 % with a financial charge of {$1700.00} making the pay back close to {$1800.00} for a year. The company never informed me of the super high interest or annual financial charge otherwise I would have never taken it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by Seterus, Nationstar and Mr Cooper. ( ref to complaint XXXX, missing primary documentation submitted through CFPB portal XX/XX/2022 )
Product: Debt collection

The SCA Collections has been hoarding and replacing collections into my accounts the past several years. The amounts are {$3900.00}, {$72.00}, and {$2100.00}. I have been going through a financial crisis, and they refuse to show me where all these amounts add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX  XXXX XXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXX, XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, XXXX XXXX
Product: Debt collection

Unknown account which I do not owe. I have disputed with nothing received by this company. Please help
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I sent in my FTC identity, theft report and provide XXXX with the police report number. They had corrected the issues on my credit and then put them back on the same day as they were able to confirm the fraudulent info is mine. My credit score had dropped again and they said that they verify the debt with the creditor however, the creditor does not have any signatures from me or any validation letters have ever been provided. This is clear evidence of identity, theft. And they still continue to keep placing this on my credit after I provided them with the report.
Product: Credit card or prepaid card

I am filing a dispute through AMEX against XXXX XXXX. I have refused delivery and pickup of an item I supposedly won on some online auction. XXXX will not refund me even though they are in possession of the item ( and have been since XX/XX/XXXX ) and I continue to refuse delivery/pickup of the item. AMEX has all the evidence they need, but still has not decided the case in my favor, even though I have never had the item and I refuse delivery of it. XXXX XXXX. No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed my accounts and REPORTED ME TO EARLY WARNING WITH FALSE PERSONAL AND FINANCIAL INFORMATION. I complaint to OFFICE OF THE COMPROLLER OF THE CURRENCY ABOUT THIS FRAUDULENT ACTIVITY IN XX/XX/XXXX, and in XX/XX/XXXX, XXXX XXXX answered PARTIALLY, stating that they had the right TO CLOSE ACCOUNTS WITHOUT ANY NOTICE TO THE CONSUMER AND THAT THEY HAD THE RIGHT TO CHANGE ACCOUNTS, SAVINGS TO CHECKING, WITHOUT ANY NOTICE, AS WELL. However, XXXX XXXX DID NOT MENTION ANY FRAUD ACTIVITY NOR ANY REPORTING ME TO THE EARLY WARNING. IT IS IMPORTANT TO MENTION THAT THE PERSON WHO CLOSED MY ACCOUNT AND REPORTED ME AS FRAUDULENT ACCOUNTS TO EARLY WARNING WAS SIGNED BY XXXX XXXX, SENIOR VICE PRESIDENT XXXX TELEPHONE BANKING, EXECUTIVE LOCATED IN OHIO, BUT GRADUATED FROM UNIVERSITY XXXX XXXX. IN ORDER TO MAKE THIS FRAUDULENT REPORT, MR. XXXX ALTERED MOST OF MY INFORMATION, PERSONAL AND FINANCIAL, AND THE CONSEQUENCES OF THIS FRAUDULENT REPORT IS DEVASTATING SINCE XXXX. I disputed these TWO FRAUDULENT REPORTS TO EARLY WARNING SERVICES IN XX/XX/XXXX, and the answered I received via normal mail is THAT XXXX XXXX CONFIRMED THAT ALL THE INFORMATION SENT TO EARLY WARNING IS CORRECT AND ACCURATE WITHOUT ANY PROOF. I REQUEST EARLY WARNING REQUEST XXXX XXXX PROOF OF THE INFORMATION PROVIDED WHERE XXXX XXXX REPORT MY TWO ACCOUNTS AS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.
Product: Debt collection

I went to an XXXX XXXX, they incorrectly did not bill my XXXX. My bill was later paid for by XXXX but I am still getting calls from XXXX XXXX, I'm sure this has tanked my credit score and I am experiencing distress from their constant harassment. I have already told them I do not owe anything and asked them to confirm the debt, they refuse. I emailed them my balance showing I do not owe anything at this XXXX XXXX and I am still getting calls weekly from different numbers but all from this debt collector.
Product: Debt collection

Please note that the debt with this creditor, Capital Accounts , LLC, has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for a debt already satisfied. A possible judgment will damage my credit for at least 7 years. 

I am afraid in fear of being sued by this company and the potential damage this will do my to credit forever. I need help. Please! This is a medical bill that is no longer relevant in the amount of {$95.00}. This doctor isn't a practicing physician and bill was already paid- being scammed here for bill already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?
Product: Mortgage

We have submitted several mortgage re-modification forms to Carrington Mortgage through XXXX - XXXX XXXX XXXX XXXX XXXX ( a non-profit organization ). 

I followed everything XXXX advised us to do for this process. We had two RMA forms submitted since XX/XX/2018. 

Then we get a notice for foreclosure sale date. 

I do not know why the first application was denied. They claim the second application was in-complete.
Product: Mortgage

We received an appraisal through PHH Mortgage which we've paid for.. We found them very hard to work with do to the amount of paper work needed, so we decided to switch lenders or brokers. After many attempts of e-mailing, and our loan officer trying to contact PHH. they refuse to forward the appraisal.