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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Hello, I am requesting that I be provided a full refund from this company known as Cash Factory USA regarding the funds that were taken from my XXXX XXXX XXXX account. I am requesting a full refund for the amount of {$1400.00} that total the funds that this company stole from me. I provided a bank statement from XX/XX/2023 that shows no funds or goods were received from this company. The only department I am able to get in contact with is their Compliance team that can only communicate through email. I have been trying to get this issue resolved since XX/XX/2023. The only resolution I will accept is being issued a full refund for the amount above as I am now having to resort to reaching out to XXXX agencies to assist me with getting this matter resolved. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2019, I mailed a certified Cease and Desist Letter to RAS LAVRAR Law Offices in connection with credit card charges identity theft. ( See exhibit 1 attachment below ) However, RAS LAVRAR Law Offices did not honor the letter and mailed a second collections letter out to me on XX/XX/2019. ( See exhibit 2 attachment below ) Therefore, I am demanding {$1000.00} in statutory damages within 10 days for violating Code Section 805 of the Fair Debt Collection Practices Act and Title 15 U.S. Code Section 1692k ( See exhibit 3 attachment below ) Furthermore, this has caused me significance stress and embarrassment
Product: Credit reporting

Equifax is reporting that XXXX XXXX XXXX, Account # XXXX was late 2 times XXXX XXXX and XXXX XXXX. That information in incorrect. XXXX and XXXX confirmed it was an error and they corrected it. Now I need Equifax to correct it as soon as possible. Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I wanted to send one of my crypto holdings from my crypto.com wallet to another address and I am required to enable XXXX in order to add an external wallet address, fine. After setting up XXXX and having to XXXX more than a dozen times in less than 5 minutes I concluded that this XXXX process on crypto.com is obnoxiously excessive and not worth my time or effort to continue to use as I originally intended going forward. I then tried to disable the XXXX from my account as I no longer plan on using this app or their services as originally intended due to this obnoxiously excessive use of XXXX however I am only able to disable 2 of the 4 options or to toggle it off completely. I then contacted their customer service who asked me to send a selfie in order to RESET ( not disable ) the XXXX on my account. Per what is stated on their site at the following link : https : XXXX According to what is stated here - " If you'd like to disable your XXXX, you can do so by toggling off in Settings. '' However, I am not able to do what is stated on their site as my option to toggle the enable XXXX is 'greyed ' out and I am restricted from disabling the XXXX from my account as stated on their site. 

I pointed this contradiction out to their customer service and they first tell me the information is not correct and needs to be updated ( it's been a week and still not updated if incorrect ) and they continue to make rules up as they go and request that I follow a procedure to disable ( not reset ) XXXX that it not listed on their site for this process. As of today, XX/XX/XXXX  the XXXX has not been disabled from my account after requesting it be disabled multiple times.

This is the second time I have been blatantly mislead and lied to from crypto.com. It should also be noted that every time my issue has been escalated and someone is supposed to follow up with me, nobody has yet to follow up with me regarding my issue. I have to constantly contact them only to be told something different than the prior time, run around in circles accomplishing nothing, and to not have my issue resolved. 

The first instance was about my card being issued ( I have provided these screenshots for reference ). I was told on XX/XX/XXXX  " I would like to reassure you that your card is issued and being prepared to be shipped. '' However, this was a blatant lie, crypto.com kept requesting that I send them info and documents I had already sent them, and my card ( virtual ) was not issued until XX/XX/XXXX  after I invoked my right to request all info and documents they had be sent to me which they still have not provided to me ( they just issued my card instead likely after realizing they already had everything they kept requesting me to send them for months ). They claim to be XXXX complaint yet fail to comply with this or provide the user with what they have a right to request and obtain under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I.C. System INC. are still sending me collection letters saying I owe them a balance for a debt I do not owe. I do not owe this company any amount of debt, this company failed to send me the requested documents I asked for in my dispute letter. This company do not have any signed documents stating we done any business. I have attached a copy of my dispute letter so the CFPB can see the documents I have ask for and did not receive Reference # XXXX
Product: Checking or savings account

I talked to lady supervisor XXXX of Marcus bank on XX/XX/year> complaining about not receiving statements ending XX/XX/year>, I have XXXX CDs and XXXX joint savings accounts with Marcus bank. The above lady supervisor promised in a recorded telephone call that she will send the above requested documents by OVERNIGHT UPS, XXXX week HAS GONE, I have NOT received the above requested documents. 
The above lady supervisor LIED to me by NOT sending the above documents. 
I am a XXXX XXXX  XXXX citizen, this notorious XXXX bank, again and again, never hesitate to engage in XXXX XXXX against XXXX XXXX XXXX citizens. Account number, XXXX, telephone no. XXXX.
Product: Credit reporting or other personal consumer reports

On the day of XXXX, I viewed my Equifax credit report and noticed quite a few fraudulent inquiries on my report. Furthermore, I am a victim of the Equifax data breach. Under FCRA 15 U.S.C. 1681 B, the following inquiries are in clear violation of my rights, and my privacy. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore my credit file has not been updated in XXXX calendar year, My credit file is also frozen so there '' s obviously NO WAY for me to make any inquiries and no person, business, or entity has or had my permission to perform the stated inquiries, written permission or otherwise. REMOVE IMMEDIATELY OR BE HELD ACCOUNTABLE BY XXXX XXXX per violation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish a account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I've informed Discover Bank that an account reporting on my credit report resulted from identity theft. They stated they had investigated and had not determined that this resulted from identity theft and that the personal information used to open the account belonged to me. I have responded and told Discover Bank that none of the personal information belongs to me, other than my name, date of birth, and social security number. The address used to open the account and receive the card has never belonged to me, the phone number, and email address also don't belong to me. I was told this card was used on XXXX XXXX, but I do not own an XXXX, further proving my identity theft claim. Discover has failed to properly investigate and find or provide any evidence that this account belongs to me, and is in violation of numerous consumer protection laws.
Product: Credit card or prepaid card

Dear CFPB, I'm trying to ascertain whether I will be eligible for a future bonus point upgrade to an American Express Hilton XXXX card or if a recent, abortive 1-day upgrade has triggered Amex 's 'once per lifetime ' policy. To offer some background, Amex ran a sketchy promotion recently that has blown up in their faces, offering a one year annual fee of {$0.00} for their XXXX  card rather than the usual {$450.00} annual charge. It's evident that Amex, either through a marketing scam gone bad or honest internal error they've yet to admit, put out an offer they never intended to honor. Once Amex chat informed me that I was not eligible for the upgrade, I had them reverse it within 24 hours. Be advised Amex alludes to some vague issue of some sort they had with the promotion, but have yet to state whether my account was impacted by their error/sharp dealing. My attempts to communicate with Amex have been regrettably unproductive, so I ask CFPB to reach out and determine whether my 1 day acquisition of the XXXX  card ( which I did not use during that brief period ) has put me afoul of the Amex 'once per lifetime ' potential future upgrade. Let me state for the record I'm otherwise very pleased with my American Express account, and I have a perfect payment record with them since opening my account over 13 years ago. I'm hopeful CFPB will encourage Amex to reflect, look inward, and endeavor to improve their treatment of good customers.
Product: Credit card

I HAD A XXXX CREDIT SCORE WITH OVER XXXX IN THE BUSSINESS BANK ACCOUNT I REQUESTED CREDIT CARD/ VEHICLE LOAN AND WAS DENIED OVER AND OVER AGAIN. NOTHING WAS FAIR ABOUT THIS PROCESS. I EVEN WENT INSIDE OF THE BANK TO MAKE SAME REQUEST AND RECEIVED SAME RESULTS. NEEDLESS TO SAY BECAUSE OF THE DENIED REQUEST MY BUSINESS HAS SUFFERED GREATLY I NEEDED TO PURCHASE EQUIPMENT FOR BIGGER JOBS AND MORE INCOME. I PROVIDE ALL NESSARY PAPER WORK. IT SEEMS THE BANK INTEREST IS NOT IN ITS CUSTOMERS. I SHOWED EIN TAX ID AND ALL STILL WAS DENIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple dispute letters and CFPB Complaint I have been submitting against the Credit Reporting Agencies, the Credit Bureaus still have the audacity to continue their erroneous reporting of the disputed fraudulent accounts and information on my Credit File. I previously sent a dispute letter to the Credit Bureaus last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, a month have passed and yet the Credit Bureaus have failed to respond to my dispute letters. Upon checking my updated Credit Report, I was surprised to see the disputed items still appear on my Credit File. The Credit Bureaus ' actions is a clear violation of consumer rights and is punishable by law. I seek help from a legal counsel and they are willing to help me file a lawsuit against the Credit Bureaus. I am submitting this CFPB Complaint to the Credit Bureaus to remind them of the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed fraudulent accounts and information from my Credit File within the time allotted by the law. Also, if the Credit Bureaus do not comply with the requests and respond within the next 30 days, I will be filing a lawsuit. I am requesting that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Mortgage

I am writing to bring to your attention a serious issue I have encountered with my mortgage service company, Selene Finance LP. I am the property owner with nine loans serviced by Selene Finance, and I am deeply concerned about their failure to make timely property tax payments to the city of XXXX for the 4th quarter of XXXX. 

Due to Selene Finance 's negligence, I have been subjected to accumulating late fees, interest charges, and the imminent threat of potential liens on my properties. This situation is causing significant financial strain and poses a severe risk to the stability of my real estate investments. 

I have made numerous attempts to communicate with Selene Finance regarding this matter, but their response has been inadequate, leaving me with unresolved concerns and mounting financial burdens. It is clear that Selene Finance has failed in its obligation to manage the timely payment of property taxes on my behalf, jeopardizing the integrity of my real estate holdings. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. I believe that Selene Finance 's actions not only violate the terms of our mortgage agreement but also demonstrate a disregard for the financial well-being of its customers. 

The consequences of Selene Finance 's negligence are not only affecting my financial stability but also have broader implications for the community, as the 4th quarter property taxes contribute to essential public services. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and work towards a swift resolution that alleviates the financial burden imposed upon me. 

Enclosed with this letter, please find correspondences with Selene Finance account managers as a result of their failure to make timely property tax payments.
Product: Credit reporting or other personal consumer reports

[ Barclays Bank Delaware ] [ XXXX XXXX XXXX ] [ XXXX, DE, XXXX ] Re : Account Number : [ XXXX ] To Whom It XXXX Concern, I am writing in response to your recent communication concerning the above-referenced account. I formally request validation and verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide me with the following information : XXXX. Assignment Contract : A complete copy of the assignment or purchase agreement between your agency and the original creditor, showing that you have the legal authority to collect on this debt. 
XXXX. XXXX XXXX XXXX : The name and address of the original creditor, as well as the original account number. 
XXXX. Detailed Accounting : A full and detailed accounting of the alleged debt, including a breakdown of all charges, fees, and interest added to the account after it was allegedly assigned to you. 
XXXX. Proof of Ownership : Evidence that the debt was sold or transferred to you, including any documents demonstrating that the original creditor transferred rights to collect this debt to your agency. 
XXXX. XXXX of XXXX : Documentation showing the accurate amount of the debt and the validity of the debt as required by law. This includes all statements or billing records that reflect the original balance and all payments made. 
XXXX. Affidavit of the Debt : A sworn affidavit from an authorized agent of your agency attesting to the accuracy of the debt and your legal right to collect. 
This request is not only for verification but also to ensure that you are compliant with the FDCPA and that my rights as a consumer are protected. I expect a timely response within the XXXX period as prescribed by law. 
Please note that I am specifically requesting this information be sent directly to me and not processed through any automated dispute systems, such as e-OSCAR. It is imperative that you provide the exact documentation as requested above. 
If your agency can not provide the requested information, you are required by law to cease collection efforts and notify all relevant credit bureaus to remove any reference to this alleged debt from my credit report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$40.00}, XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Debt collection

Contacted Bank OF America in reference to consumer account XXXX. In regards to U.S. Code 1692, U.S. Code 1692f ( 6 ), also FDCPA U.S. Codes 1681n ( b ) also subsections of this code section 805, 806, 807, 808, 809. They are also in violation of FCRA regulation and in violation of HJR 192 of 1933.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : 31192 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}
Product: Debt collection

I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX XXXX is the collection agency. I called up XXXX and talked to many departments and said that i do not have any bank accounts with XXXX. So how is it possible that I would owe an amount of {$290.00} from XXXX if i didnt have any accounts in the first place? I disputed it with midland funding but was not sure if they are going to take action on it and its affecting my credit score every single day.