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

I've Sent Letters Made Phones calls to Transunion XXXX and XXXX about some troubling items I found in my credit report I've begged for theses items to be removed immediately from my credit report. because it is affecting my creditworthiness and I feel like this is very unlawful and unconstitutional. listed below are the negative items affecting me. I've also included the letters i've sent to Transunion XXXX XXXX that i know they received along with the ftc report their requested my proof of id and bill address are in the letters why are theses items being reported without my consent and knowledge. the companies job is to report fair and accurate imformation to my report and theses items are not. 

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
Product: Checking or savings account

I've called XXXX times to try and establish a password and user name so that I can put money into the account but no one has been able to help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint agains 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have approximately XXXX XXXX that were stolen by Celsius. My account was supposed to be moved to a Custody Account after the XXXX regulated Celsius and told them only Accredited Investors can be in Earn accounts. I am not and don't meet Accredited Investor criteria, therefore I can not have an Earn account. 

XXXX XXXX the CEO of Celsius described Celsius as a safe investment ( like a bank ) versus how it really operated like an unregistered hedge fund and meets the criteria of a Ponzi scheme. Please ensure regulators are looking at this mischaracterization and how customers were defrauded. XXXX consistently said publicly and his AMAs that you could withdraw at any time, but that they went back on that for a month and then declared bankruptcy. Celsius and the CEO made false Material Statements for years that they had sufficient currency to withdraw while they were insolvent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I learned that my Mortgage note with XXXX XXXX XXXX  had been sold to XXXX  XXXX  XXXX. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called XXXX to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, XXXX XXXX and Experian credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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

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

OnXX/XX/XXXX I started a dispute of six different items on my credit report. I requested verification and validation of these items and TransUnion has refused to send me the requested information. Instead they sent me credit reports stating the information was verified to be accurate according to FCRA. I then requested them to send me the names of the businesses, addresses and phone numbers of those who have been contacted during the process. I also called and spoke with several different people and stated this is my right under the Fair Credit Reporting Act. Instead of providing the requested information, they stated that everything is computer generated and they could not provide the information I requested. I proceeded to say, seeing as how they could not provide the requested information they should have removed the negative items. On XX/XX/XXXX and on XX/XX/XXXX the situation is still not handled and as ofXX/XX/XXXX I had to put in a third dispute of the items.
Product: Credit reporting or other personal consumer reports

Credit report no longer shows any account or any paid in settlements or any info only keep XXXXXXXX XXXX XXXX  and that's been getting stolen
Product: Credit reporting or other personal consumer reports

Following accounts were fraudulently open and obtained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report number XXXX on identity theft.gov
Product: Credit reporting or other personal consumer reports

I am writing to formally XXXX dispute against Experian regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the XXXX pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Experian Account Status Inconsistencies : XXXX days late in XX/XX/XXXX. 

High Balance Discrepancies : Experian reflects {$1100.00} as the high balance, this is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section XXXX ), creditors were required to provide special accommodations for consumers affected by the XXXX pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law. 

Requested Action : Immediately correct every single discrepancies on this XXXX XXXXXXXX account. Correct all late payment entries during the period covered by XXXX XXXX XXXX from XX/XX/XXXX of XXXX until XXXX  days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the XXXX pandemic receiving the Unemployment Benefits from XXXX XXXX  XXXX in my XXXX XXXX XXXX  Account XXXX XXXX same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the XXXX timeframe allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Product: Debt collection

Sent multiple letters to the creditor to verify that the account was owed by me but I never received verification from the creditor.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Support Team, I am writing to request that my public records be updated to include my current phone number. Accurate and up-to-date information is important to me, and I would be grateful for your assistance with this matter. 

Details for Update : Phone Number : XXXX I have attached the necessary documentation to verify my identity and provide proof of my current phone number. If additional details or verification are needed, please feel free to reach out to me. 

I kindly request that this update be processed as soon as possible. Once completed, I would appreciate receiving confirmation that my records have been updated. 

Thank you for your attention to this request. Should you need to get in touch, I am available by phone at XXXX or by email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX
Product: Payday loan, title loan, or personal loan

INACCURATELY REPORTS AT THE END OF THE LOAN THE ACCOUNT WAS IN ARREARS FOR OVER 120 DAYS. REPORTING AND PAYMENT SCHEDULE NEEDS TO BE UPDATED AND FREE OF ERRORS TO REFLECT AN ONTIME PAYMENT HISTORY.
Product: Checking or savings account

Received a text on my phone claiming to be from wells fargo, stating my debit card had been locked do to suspicious activity ... asked me to call XXXX..notice # XXXX to fix my problem..called w.f ... told me my card was good ... probably a scam ... did not call ... .. Thanks for your help. ( called on XX/XX/2019 ).
Product: Mortgage

I RECENTLY GOT A EMAIL SAYING MY CREDIT SCORE WENT UP XXXX POINTS. I WENT ON MY 3 CREDIT AGENCIES AND FOUND OUT MY MORTGAGE HAD BEEN PAID OFF, SETTLED AND IT AFFECTED MY CREDIT SCORE IN A POSITIVE WAY. IF IT'S A TRANSFER OF THE OF THE MORTGAGE THEN WHY DID MY SCORE INCREASE TO XXXX, AND WHY DID IT SAY PAID OFF AND SATIFIED. SEE ATTACHED DOCUMENTS. 

MR.COOPER IS IN VIOLATION OF CFPB 1024.33 ( B ) ( 1 ) BY TRANSFERRING A MORTGAGE WITH IT'S OWN SUBSERVICER OR MERGING OR ACQUISITIONS OF SERVICERS AND SUBSERCICERS. I AGAIN, DON'T HAVE A CONTRACT WITH MR. COOPER AND HAVE NO POWER TO TRANSFER OR SELL MY MORTGAGE. 
THEY ARE NOW SAYING I OWE THEM MONEY WITHOUT A CONTRACT.
Product: Credit reporting or other personal consumer reports

aIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 

In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records.

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were unauthorized, companies notified about fraudulent inquiries and they are still appearing on my credit report. I have notified the bureaus to have them removed. It effecting my credit.
Product: Mortgage

Hi Im trying to refinance my apartment so wondering if I would qualify for any programs available. I requested a mortgage modification with SLS  so that could allow me to continue to make my mortgage payments. My loan was approved in XXXX. It is a Hybrid-LIBOR ARM with a floor of 9.7 % and a ceiling of 16.7 %. The current interest rate is 9.7 %. My monthly payments are {$1500.00}. In XXXX, XXXX, I became unemployed due to a benefits dispute between my employer and some of its employees. Since then, I have been XXXX and in XXXX, I decided to start up a XXXX XXXX XXXX XXXX. However, due to the start-up costs and complexity of the business, I was not able to generate any significant sales in XXXX. I also have not generated any sales in XXXX and the COVID-19 pandemic has significantly impacted my situation even further both professionally and personally as I am dealing with XXXX like lots of us. I recently applied for the Pandemic Unemployment Assistance ( PUA ) and Federal Pandemic Unemployment Assistance ( FPUC ) to help me with my monthly payments. However, my mortgage payment and condo fee will consume more than 55 % of this benefit. My credit score its excellent and they told me I would have to stop paying in order to qualify. I appreciate the time and hope to get a phone call with options if possible-THANKS AGAIN
Product: Credit reporting or other personal consumer reports

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 unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to Experian as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as PAANL. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card

I noticed on my XXXX credit report that a hard inquiry was made on XX/XX/year> to Bank of America and a credit card was opened under my name with a credit line of {$9000.00} that I did not request or open. I have never banked with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in XXXX. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.
Product: Money transfer, virtual currency, or money service

Was a victim of an online transaction scam where I voluntarily transferred XXXX USD to a foreign account for a hotel booking. I received the instructions to transfer the money on a website that was put up for this purpose I think. I am still able to see the listing on the website now ( XXXX XXXX XXXX  ), bt the instructions to send a message to a XXXX XXXX doesn't exist anymore. I contacted the XXXX XXXX and agreed to transfer the money. The person said I will get an email from XXXX with the instructions. The mail address was odd - bt didn't realize it then ( XXXX  XXXX ). The link gave instructions on where the money transfer has to be done. 

Realized after nearly XXXX hours that I have been tricked when the old links in the email didn't work. Since it was a holiday yesterday and today ( XX/XX/XXXX ) the transfer is still pending. Reached out to the bank for assistance and reached the Customer Support. Was told only the Wire Transfer team can help and they aren't working today. Was told to reach them first thing in the morning.