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

I recently noticed that my information was exposed in a nationwide data breach. When I checked my consumer report I noticed there was fraudulent information being reported. I reached out to Experian and submitted an FTC identity affidavit, Proof of address, and identity, however, and requested the fraudulent information to be blocked. I recently checked my consumer report with Experian and noticed that an account was reinserted into my consumer report. Five business days have been overdue and I never received notification that the information was being reinserted. I doubt that Experian would willfully and knowingly reinsert fraudulent information and not inform me of the reason or status regarding the matter. I'm left to assume that this must be some form of mistake as I already reached out to the creditor to address the issue. this information should be blocked from my file. Also, I would like to be notified of any adverse information being submitted to my consumer report. I never gave the company XXXX XXXX  a permissible purpose to furnish any of my information. I did notify them that if they have been given consent to furnish my consumer report the consumer revokes or opts out of having my information shared. Experian is not in compliance with the code of federal regulation regarding this matter however I understand that mistakes can happen but also this is damaging me and defaming my character. How am I supposed to receive an extension of my credit if there's fraudulent information adversely affecting my person?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The creditor SYNCB/GAP, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. SYNCB/GAP, failed to provide the required verification of debt within XXXX days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
Product: Mortgage

I am trying to get the private mortgage insurance cancelled on my mortgage as we have met the requirements. My mortgage  carrier  ( LoanCare ) states on their website that a written request must be submitted, which was done through their website program specifically for this request. This was done on   XXXX   XXXX   XXXX    . I waited  XXXX  weeks with no response and followed up on   XXXX   XXXX   XXXX    . At that point, I was able to talk to someone in customer service and they stated they never received my request. They continued to submit it over the phone and get my case opened. I waited another  XXXX  days before following up again. When I called and spoke to them on  XXXX   XXXX , they told me it was in process and would be completed and I would receive a letter from them by  XXXX   XXXX  giving me the results. After I received no letter, I called back again on    XXXX   XXXX   , and they said it was still open and it was scheduled to be completed by    XXXX   XXXX   . I called on   XXXX   XXXX   to get an update, and they told me they still needed another 10 days because it was a 20 day process. I told them when I started the process, and asked to speak to a supervisor. They input that request into my case and I have yet to hear back from that supervisor, today is   XXXX   XXXX  . I have talked to several people over the past 2 days, they have all told me that they see the request for that manager to call me back and said they are required to call me back " that day ''. After several more calls this morning, and refusing to get off the phone accepting the reply of " my supervisor will call you back '' I talked to a supervisor of some sort and told them I wanted to file a formal complaint on their customer service. They ignored that request and told me that the supervisor I was supposed to be getting a call back from will get to me in the next  XXXX  hours. In the meantime, I have no choice but to pay for the PMI that I should be able to get cancelled, which is costing me $  XXXX .
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased crypto currency with USD in a total amount of {$220.00}. I still have not received the crytpo currency since that exchange was initiated. I promptly contacted support about the issue, but I still do not have a resolution and have also not heard back from them for months now. XX/XX/XXXX was the last time I have heard from them.
Product: Credit reporting or other personal consumer reports

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reach to the companies regarding open accounts under my information that was not authorized by me to no avail I got nowhere they refused to help me I try going inside the bank to reject my request
Product: Credit reporting or other personal consumer reports

TRANSUNION deleted an account from my credit report only to have it reappear on my credit report to negatively impact my credit score and credit report
Product: Credit card or prepaid card

On XX/XX/2018, JP Morgan chase closed all my 4 credit cards account without notices, with no reason. 
And Chase also closed my checking account with no reason, no notices.
Product: Credit reporting or other personal consumer reports

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
I am requesting pursuant 15 USC 1681i ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ e ] it. XXXX XXXX, 827 F.3d at 1304 Delete the information you are Reporting as Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They DO NOT have my permission to report these LATE payments to XXXXXXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXXXXXX XXXX  and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : 1. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX  MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.
Product: Checking or savings account

I had opened this Certificate of deposit for my granddaughter who has come of age to XXXX XXXX  and is in need of the funds to pay for XXXX. 
My granddaughter presented me with the certificate because my name is on it and has her name listed as well. The Account Number is XXXX XXXX New York Community Bank in the amount {$500.00}. 
I contacted the representatives at the bank which is now FlagStar due to a merger with New York Community Bank. They advised me to check NYS unclaimed funds which I did without success. I had presented the bank with the Certificate of Deposit by appearing at the bank branch and showed the Rep the Certificate of Deposit which she made a copy of. 
The bank also checked the NYS unclaimed funds without success as well. So where did the {$500.00} Certificate of deposit funds go?? The bank claims that they only keep records for 7 years. However, the money was deposited in good faith and was not transferred to NYS unclaimed funds. The FlagStar Bank is located at : XXXX XXXX XXXX, XXXX, XXXX  The Bank Rep I spoke with was XXXX ( XXXX ) XXXX the Manager is XXXX
Product: Checking or savings account

In XXXX of XXXX I had to leave California because of a XXXX XXXXXXXX situation and stalker that continued to harass me. For the next year and a half I continued to try and cancel a XXXX XXXX membership in XXXX XXXX, CA and was always told I'd have to wait for a manager or I'd have to continue to pay monthly in order to cancel. Once the court settlements were done, I continued to try every two months or so to cancel this membership as I could not go back to California to do so because of the dangerous situation that posed. 

I asked my bank, Capital One, to stop payments for that merchant and to do an investigation to prove that I had not been there since XXXX of XXXX I stopped paying the membership and blocked the merchant and Capital One did an investigation and came back with a rejection because of the contract. I appealed and got confirmation from the merchant and the financial institution that my membership was canceled and that I had not been there since XXXX of XXXX 

I have had to call back consistently to Capital One for status updates and, despite promises that I'd be gotten back to, I continue to have to advocate for myself. I am now being told that because I had previous charges from the merchant I will not be able to reopen my claim. 

I am being preyed upon by the financial institution that I reached out to for help. I was told another answer by another representative that I could provide more information, but I am so confused as to why this is the case. I have provided the cancellation, the XXXX XXXX, the financial company for the merchant confirmed that I haven't been there since XXXX of XXXX  ... I have no idea what else to do.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an account with experian.com and I received a letter stating my credentials were sold to a company name XXXX XXXX and I also had an account with this credit repair business call XXXX XXXX XXXX and I have been paying {$99.00} for 9 months in a row however none of the credentials fell off my report and when I canceled they are still trying to take payment off of my card that I canceled. Im also getting letters with my married name for items I opened in my maiden name which do not make any sense and I also have stuff on my report that doesnt belongs to me and Im also filing a report with the local authorities and Im in the process of waiting on a call from an fraud experian specialist on this same matter.
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 Customer 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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX XXXX  # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax This company is still violating my rights. 
15usc1681a ( 3 ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information.

There is a need to insure that consumer reporting agencies exercise their grave responsibility, with fairness, impartiality, and respect for the consumer 's right to privacy.

15usc1681b ( 2 ) in accordance with the written instructions of the consumer to whom it relates never gave permission or consent to do this. 
I never gave permission or consent to do this. I've been treated unfair -partial and did not respect my right to privacy.
Product: Credit reporting or other personal consumer reports

I have been filing dispute with Transunion and XXXX and XXXX for over a year to get these offer my credit report due to fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These need to be removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Student Loan Servicer is trying to charge me with Commercial/Private student loans, which were disputed in 2018. There were three letters written to this company to get this situation resolved. Today, I spoke with a customer service representative and a supervisor, regarding the situation and it still is not resolved. As explained, to the representative of the company, '' commercial/private student loans are only take out, when the unsubsidized, subsidized loans and grants don't cover tuition. Since the dispute has not been resolved, please contact Navient. I requested promissory notes in 2018 and they sent notes, with no signatures for these private loans. I am not responsible and require that a full investigation be done. Thanks for your help and hope to hear from you soon?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

US Bank paper statements sent to the customer through the US mail display the full credit card number on the top of the statement. If you log into your account using the US Bank web site login you only see the last XXXX digits displayed. I would like all credit card company paper statements to only display the last XXXX digits for security purposes. My XXXX statement only displays the last XXXX digits. 

It is not legal for a merchant to print the full credit card number on a receipt for a customer. It should not be legal for credit card companies to print the full credit card number on paper statements. Paper statements are not secure in the US Postal System from theft and this puts consumers at risk for identity theft.
Product: Money transfer, virtual currency, or money service

I had an account with PayPal and about 8 months ago, I was notified by PayPal that PayPal would be closing my account and that any funds still in the account would be released to me after 180 days.

Those 180 days have long passed and PayPal is refusing to give me my funds totaling {$5000.00}. I have reached out to PayPal over 40 times requesting that they release my funds, but PayPal has not been helpful. They keep telling me that my funds will be available for release in 72 hours, but they never release the funds.

Its absolutely unconscionable and cruel for PayPal to arbitrarily hold peoples funds for over 8 months, especially during a pandemic when everyone is going through a hard time financially.
Product: Debt collection

last week, i called Veripro Solutions to see if i could negotiate a reasonable amount to release the lien that was included in my bankruptcy XXXX in XXXX. My case worker, XXXX, gave me an offer but I said NO because the property isn't worth it and he really tried hard to think he was smart and was going to compel me to make a bad business decision. However, i said NO and i asked if he could just send me a letter of that offer even though I WAS NOT going to accept it .... i wanted it in writing because i may have to file a quiet title or a motion to make them release the liens. The mortgages were discharged and last payment on this house was in XXXX. The first mortgage company just released their lien for {$120000.00} to me because this area in NJ was hit very hard by the crisis. My house is worth MAYBE XXXX at the most. I left for an extended period of time and someone broke in and started a fire there last month. On top of ceilings falling down, and the roof and the new furnace that is needed. I was willing to pay maybe a grand but nope i would rather it go to tax sale or consider filing a motion. the house isn't worth it i was trying to take care of it because its a duplex and this fire was at XXXX in the morning and there is a family that is attached to that building so i wanted to see what i could do so this doesn't happen again. i was willing to settle with 2 mortgage companys if i knew i could sell it fast to get my money back. i am not stupid and i know when to walk away ... i suggest XXXX XXXX understand that if he calls me again i will get compensated. His call today/time has been recorded in my journal. 

So .... my complaint is that he called me trying to collect on the offer that i clearly told him I WAS NOT GOING TO ACCEPT but i just needed it in writing. 

I told him AGAIN TODAY this debt was discharged in a chapter XXXX. he continued to annoy me until i hung up on him ... he was obviously not done harassing me and thought it was fun! game over XXXX!
Product: Credit reporting or other personal consumer reports

RECIEVED NOTICE FROM CREDIT BUREAUS XXXX XXXX XXXX PUT A COLLECTION ON MY XXXX XXXX FOR AN ADDRESS I NEVER LIVED AT I SENT THEM FTC REPORT CLAIMING FRAUD AND SENT POLICE REPORT BESIDE THAT THEY REPORTED A BALANCE OF {$470.00} THEN REQUESTED VALIDATION THEY SENT A BILL THAT I OWE {$890.00} ALL FRAUD.