23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

i requested vial mail XXXX debt validation from Biorn Corp. for a debt with XXXX XXXX XXXX XXXX even though I am making payments and XXXX  forwarded my account to collections regardless of my request via a voicemail I left on XX/XX/XXXX with XXXX XXXX XXXX XXXX, that before I send another payment I request a complete account audit/history to make sure what I have as a balance and what they have are the same. Instead of providing me this they sent me to collections. I asked this because I haven't been receiving invoices since XXXX of XXXX and the last one I had received was not even current information showing my payments but that of CC fee charges of which I haven't paid them via my CC for over a year but with money orders only since. I got a letter from Bior Corp on XX/XX/XXXX saying I owe a debt and I am to pay them but I am not contracted to pay them at all and my account was and personal information were sold. Upon request of validation, Biorn is to provide that within 5 days, 10 at the most. Instead on day 42 today XX/XX/XXXX I get a call from a lawyer yet no one is still providing me with validation regardless of me still making and have made payments to XXXX  within the last 42 days. I'm not too fond of this illegal activity as well as harassment when all that had to be done was fulfill my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX 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 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 r
eport 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: Mortgage

TBI mortgage and specifically XXXX XXXX has held back information, lied repeatedly about policies about the VA home loan process, and has been disrespectful and rude every time I call to get an answer on my VA home loan. I've tried to get answers, documents, etc. And he refuses to work with us. XXXX goes out of his way to make buying a home hard and his distruss and unethical behavior reflects poorly on his company. Woukd like to work directly with his supervisor as this is falling in the line of Veteran discrimination.
Product: Credit reporting or other personal consumer reports

I have no connection to these creditors and did not instigate these inquiries. I urge you to promptly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TEXAS, docket XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX Bank account XXXX, XXXX account ( XXXX ) XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX & XXXX has violated my rights. 

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

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

mailed a dispute to transunion XX/XX/20 to get proof of a negative item on my credit that i disagreed with. It has been onver XXXX days and have not received any response from thie company or even alert me they are processing my request.
Product: Debt collection

From my understanding, I do not owe this collection company for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

Zelle would not give me my money back after scam. There was no warning via zelle about money not being protected
Product: Debt collection

This company finished garnishing my paycheck from my employer and I want them to remove it from my credit report because they got the money already
Product: Credit reporting, credit repair services, or other personal consumer reports

Its things that are on my credit report that have the dates open and the dates last reported wrong and or different on my credit report
Product: Money transfer, virtual currency, or money service

Someone had XXXX XXXX XXXX of a close friebd of mine and was requesting money from me with Chime.Their were XXXX seperate transactions. First one was {$50.00}, then {$150.00}, then {$50.00}. all on XXXX XXXX. within XXXX hours of each other. The XXXX  stated that they were having vehicle trouble and needed Gas then it was for a tow and vehicle repair. All while posing as one of my very good friends using the XXXX XXXX XXXX to communicate. No reason for me to not believe it wasnt my friend. Untill I later called to check on her and she proceeded to tell me that her account had been XXXX and several of her other friends had also got taken and she had requested for XXXX to remove the account immediately but apparently it doesn't happen right away. I then disputed this threw Chime Bank explaining the above and they denied my dispute. After telling me I would be credited back the money in XXXX day and it would take up to XXXX to investigate. They denied it within in hours after this conversation. I then spoke with another Chime service rep who stated she was going to escalate it and it was denied again.
Product: Money transfer, virtual currency, or money service

I am filing a complaints against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was 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 a significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist All Communications Regarding Progress Card # XXXX XXXX XXXX **** Dear First Progress Bank, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. remove inaccurate account immediately Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease.

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of First Progress Bank will be considered a violation of the FDCPA, and I will take appropriate legal action.

I expect written confirmation that you have received this letter and that no further contact will be made.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I  missed one  month of paying the card balance in full (   XXXX   XXXX     ) - I paid the following month (   XXXX   XXXX      ) in  full, which included interest for the unpaid balance in  XXXX , but they still charged me interest on the   XXXX   XXXX     bill based upon the unpaid balance from the   XXXX    bill  - even though there was no outstanding balance from the   XX/XX/XXXX  bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had University Accounting Service ( UAS ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from UAS was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from UAS. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with UAS. I received a call from a UAS rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from UAS after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked UAS 's website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from UAS stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from UAS after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from UAS stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on UAS 's website, as well as the screenshot from the DOE 's website with the XXXX due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX and XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I pursued getting an " undocumented '' personal loan for $ XXXX on XX/XX/XXXX to get my company through XXXX 's day and was deceived by the loan officer, XXXX XXXX at the XXXX, IL PNC Branch, knowing that time was critical to get this loan approved and done well before the end of the month. Not only did I not get approved for this " slam dunk '' loan, it also cost me my XXXX XXXX dollar company dissolved on XX/XX/XXXX. Please see the attachments for full disclosure of what happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 


XXXX XXXXXXXX XXXX XXXX  keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. 
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 Account name XXXX. XXXX, XXXX in the amount of {$3600.00}, XXXX XXXX XXXX in n the amount of {$520.00} and XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$18000.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

Hello this is my second time reporting to this agency. I filed a complaint on XX/XX/2024. Asking to verify this bankruptcy on my account. I needed verification from the credit report. AGAIN they did not provide me with any information about how they retained this information. I got my letter back today on XX/XX/2024 stating that everything was verified.. VERIFIED BY WHO? NO DOCUMENTS WERE PROVIDED TO ME. XXXX already deleted it from there credit report due to not having any information on why it was on my report. EXPERIAN FAILED AGAIN TO PROVIDE ME WITH ANY DOCUMENTATION. I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Mortgage

ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.