23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

We sent a check by mail on XX/XX/2020 for {$2200.00} to a mortgage company XXXX XXXX XXXX XXXX ) and the check was stolen on XX/XX/2020. The check was taken to BMO Harris bank at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX and a BMO Harris teller cashed the check for a " XXXX XXXX '' even though the check was made out to XXXX XXXX XXXX In addition, we were charged a {$38.00} account analysis service charge on XX/XX/2020, to analyze an error that BMO Harris made.

We have reached out to BMO Harris multiple times in person, in writing and over the phone. We spoke to a branch manager in person who said if we filled out the required paperwork, we would get our money back. We did this XXXX  separate times in person to retrieve these funds and BMO Harris has taken no action to amend this situation.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) has failed to provide proper debt validation for the XXXX XXXX  account they are trying to collect debt from. PRA hasnt provided any contractual agreement that illustrates financial obligation from me to them. They have also failed to provide adequate information about the debt they are trying to collect from me. They are trying to collect a debt in the amount of XXXX ( shown on page one of the debt validation they sent to me ) but after reviewing the statements ( which are not adequate information for debt validation ), there is not any information showing how this amount came to be. There are two completely different amounts from what is shown on the account from the statements vs. the account that appears on my credit report ( reported by PRA ). The dollar amount of XXXX doesn't appear anywhere on the statements sent to me as debt validation nor is there any information how this figure was calculated. I have highlighted the amounts throughout the documentation along with the due dates to show the different debt amounts. PRA has also presented statements that are not sequential in dates and missing information. There are no statements presented from the months of XX/XX/XXXX-XX/XX/XXXX but months presented from XX/XX/XXXX-XX/XX/XXXX This lack of documentation is questionable in validity when trying to use as proper debt validation as there is missing information in those documents. As stated, the documentation that was sent to me as debt validation is inaccurate and this account needs to be deleted from my credit reports immediately. Trying to collect a different debt amount and not provide proper, adequate, and accurate debt validation is against the laws of FCRA and FDCPA. I have provided supporting documentation for review and validity of my statement above.
Product: Debt collection

Collection from sunrise showed up as owing {$120.00} to XXXX XXXX. This is a fraudulent company, showing the XXXX in front of the XXXX. There are many reports on XXXX forums and XXXX  about sunrise and their fraudulent claims. Did not have this account believe to be fraud
Product: Credit reporting or other personal consumer reports

Experience, Equifax, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts u resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three agencys has neither corrected or removed incomplete, inaccurate items from my report. Furthermore, XXXX Code 15 USC 1681 D12 AIB states that transactions can not be reported on a consumers report. That being said, all late payment history is to be removed immediately from my credit reports. Failure to do so is illegal and a violation of the XXXX code previously stated.
Product: Debt collection

Transworld Systems Inc. is trying to collect a debt for an unknown, unverified parking violation for a car that I havent driven in almost two years and that I sold over six months ago. I never received any citation from the original creditor ( XXXX Municipal Court ) while the car was in my possession, nor is the debt on my credit report. TSI has sent me two collection letters. I disputed the first letter in writing and sent it via certified mail on XX/XX/2019. They ignored my dispute and sent another collection letter with interest added. 

The first letter is dated XX/XX/2019 and states a balance of {$55.00}. The second letter is dated XX/XX/2019 and states a balance of {$71.00}. 

They will not verify the validity of the debt, yet will keep sending attempts to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking on my main consumer credit files, I see the corporation XXXX is on it, as well as the company they sold the alleged debt to, XXXX. If they are no longer collecting on this alleged debt, why are they still on my consumer credit files? 

This is why I sent the Cease & Desist and Debt Validation to Aspire. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury you caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bi
ll statements with the name of my organization on them are nothing but receipts, proving that Aspire ( the debt collector ) was credited for the transaction already through me, the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX 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 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  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
Product: Credit reporting or other personal consumer reports

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit card

I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, " We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Shellpoint mortgage incorrectly reported a 60-day late payment for the month of XX/XX/year> to all three credit agencies. Shellpoint has reversed the late payment for my son ( XXXX XXXX ), but not myself. I am requesting that Shellpoint Mortgage reverse the incorrect late payment to all three credit agencies as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from Caine and Weiner with XXXX. I was able to prove I canceled my XXXX account XX/XX/XXXX but was continued to be billed till XX/XX/XXXX. These are fraudulent charges. The item was removed from XXXX report on XX/XX/XXXX but showed up again. 
It did not stop being fraud! I should not have to dispute over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have fraudulently and unauthorized inquiries placed on my credit report that. I did not authorize anyone employed by these companies to make any inquiry and view my credit my credit report. This is a direct violation of the Fair credit Reporting Act Section 1681 b ( c ) and a seriuos breach of my privacy rights. 

XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and XX/XX/XXXX XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discovered a XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX balance and they refuse to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my credit report has not been updated in months. I was instructed to call the XXXX XXXX and XXXX to find out why my credit report was not being updated. I was informed by XXXX XXXX and XXXX that the credit bureau has an XXXX  block ON MY REPORT PREVENTING them from reporting. I continue to be put in a loop and the credit bureau to call the credit FURNISHER, odds are there is a block on my report not that 3 different reporters are not reporting for me. My credit is not frozen PLEASE un block it. 


I NEED TO BUY A CAR. THIS ISSUE IS DRAGGING MY SCORE! I DO NOT HAVE THE MONEY FOR 29 % INTEREST. TAKE THE REPORTING BLOCK OFF MY CREDIT REPORT. UPDATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to Equifax and XXXX XXXX XXXX XXXX for a HEADS UP!!!
Product: Mortgage

I carry my own homeowners insurance and BSI is charging me for their homeowners insurance. I have sent in my face sheet for insurance and spoke to a representative numerous times to no avail. I was told they had the incorrect property address. I sent in proof from the county. Somehow they paid property tax on the correct address but still are charging me for the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for credit without his consent. While the fraudulent credit items have been disputed the credit bureau Experian has verified the fraudulent related address is accurate. This is a violation for the FCRA.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, safeguards my consumer rights to privacy and confidentiality. This has been breached by the accounts listed below, including XXXX XXXX account number XXXX. Specifically, 15 U.S.C. 1681 Section 602 A highlights my right to privacy. Additionally, Section A, Subsection 2 of 15 U.S.C. 1681 states that a consumer reporting agency can not release an account without my explicit written permission. Moreover, 15 U.S.C. 1681c ( A ) ( 5 ) prohibits consumer reporting agencies from including in a consumer report any adverse information, except for criminal convictions, that predates the report by over seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is mandated that no person should provide information about a consumer to a consumer reporting agency if they know or have reason to believe that the information is false.
Product: Money transfer, virtual currency, or money service

I had money come into my account but the money would be sent back days letter putting my account in the negatives and adding overdraft fees to my account. When i would report the problem, nothing was fixed or talked about to me when i had questions. Because of this Ive owed money and became late on my bills due to it.
Product: Money transfer, virtual currency, or money service

Upon last complaint ( complaint # XXXXRobinhood asked me to upload my bank closure letters to validate the source of my funds. I uploaded my bank closure letters through the link they gave me. They replied The documents provided to do not validate ownership of the remaining funds. They did not reply why can not validate, or what does it take to validate. I told them the funds get significantly larger is because I invested all money in XXXX and held for almost 6 years. 

I subsequently sent them email with the transfer records that prove the funds I originally transferred from these banks to XXXX ( as attached in this complaint ). They can totally verify the source of the funds by checking the transfer records in my account against the bank closure letters. 

I am really helpless and frustrated since I have provided all the evidence and Robinhood did not make efforts to really solve my issue ( they always close the case after they sent over an email, if you reply for more help, you need to start over ).
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item XXXX XXXX Opened XX/XX/year> -Balance {$6500.00}. Please remove item from all XXXX  credit bureaus in accordance with the Fair Credit Reporting Act I hereby request that you investigate this account and remove from my reports. I understand that you are required to verify this account with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block account.
Product: Debt collection

This Company CCS COLLECTION Is Not Licensed & Bonded In The State Of Georgia To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. 

I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you CCS COLLECTIONS that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;