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

on or about XX/XX/2022, I hired financial Warranty to help me with my credit I was told by there advisor to put a stop payment on my pay day loans, so I called my bank and paid {$90.00} to put a stop on them. well the bank didn't tell me that it would only keep them from going through if they did a vch, but they didnt they used my debit card instead which they went through. I called financial warranty to tell them what had happened and while I was on the phone with the advisor he put there payment of {$200.00} U was not aware of this until I hung up and called my bank. I called them back and tolled them I didnt want to go through with this and that I wanted a refund because they had taken all the money I had left in the bank and that I could not pay any of my other bills. Sense that day I have been on the phone just about everyday still trying to get my money back. I just called them again this morning and they said it was still in the works. please these people are thieves they have put me and my credit in worse shape then it was before hiring them. I am behind now on all my credit cards and I dont no what to do. I am XXXX XXXX XXXX XXXXXXXX and am now having trouble getting into a home because of my credit and the fact that I'm behind on all my bills.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts and am requesting that they be deleted. Additionally, an FTC was included in my previous dispute. I will be heading to civil court in my state of Georgia to file a claim against your company after this, as it is my final time disputing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 Listed below are the Inquiries that are being challenged 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666 B : 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXXXXXX XXXX XXXX XXXX Balance Owed : {$600.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00}, If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

: My Macys XXXX XXXX card credit limit was drastically decreased. The reason for the decrease was based on false information. My limit went from {$1600.00} to {$300.00}. This decrease was strangely after ( paying off ) the account. According to Macys XXXX XXXX, the reason they decreased my limit was because of negative information on my XXXX  credit report & high balance versus credit limits ( all lies & false claims ) after receiving the letter from Macys that was based off lies, I pulled a fresh copy of my XXXX  credit report from annual credit report.com and there was not XXXX  single negative account. No derogatory account, all my accounts are in excellent standing and not XXXX account is close to the credit limit. There is not XXXX single late payment. For being a good customer and paying off my Macys Credit card, they reward me by decreasing my credit limit. Based on the lies and the deciding factors I was giving by Macys XXXX XXXX, the only reason they decreased my credit limit is because of my race. Thats it because not XXXX single reason they gave was accurate. In addition to that, Macys claim they reviewed my credit report, but when I checked my credit there was not XXXX single hard or soft credit check by Macys XXXX XXXX. Also there customer service number is never available. Nobody is ever available to pick up.
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. 

Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

Since the establishment of this loan in XX/XX/year>, there has been confusion regarding the holder of its rights. I was advised to consult a mortgage fraud auditor for a review of the loan. However, interpreting this audit is challenging as SPS refuses to disclose any information. Assistance in reviewing the attached file would be appreciated. 

SPS LOAN # XXXX Since the inception of this loan in XX/XX/year>, I have been misled about who holds the rights to it. I was directed to a mortgage fraud auditor to review the loan, and I am uncertain about how to interpret this audit, as SPS will not disclose any information.

please help review attached file SPS LOAN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureau and have not heard back or received a response for over 30 days.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. XXXX. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  / Account # XXXX. Violated my rights.
Product: Money transfer, virtual currency, or money service

Have been locked out of my Coinbase account for over a month now when I did not request it. I have over {$7500.00} locked on their site with no way to access. I reached out to customer support which told me 3-4 days for a response and still havent gotten one, I also reached out to customer complaints which said 15 days for a response and still havent gotten one. Theres no way to get ahold of any one to retrieve my account so theyre essentially stealing my money without me even approving of my account being locked
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX   XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX   XXXX {$3100.00} COLLECTIONS XXXX {$25.00} XXXX   XXXX {$400.00} XXXX XXXX {$810.00} XXXX XXXX {$500.00} XXXX XXXX {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX
Product: Debt collection

I do not know if the debt actually exists, but if it does exist, it is not mine. 

I moved out of an apartment 18 months ago. I had given a move-out notice months in advance, but the month we lived out, my roommate decided to stay. The property XXXX had the roommate sign a release, releasing husband and I from the lease agreement. The release took effect on the last day of the lease ( XX/XX/XXXX ). 

The apartment complex continued to contact me about the apartment, and I asked them to stop contacting me, as I do not have a lease with them. I eventually had to go in and write a statement becuase they lost my entire file except for the original lease and any documents relating to the roommate after we moved out. They agreed and stopped emailing me except for a couple emails when the roommate moved out. But nothing regarding a debt. 

My old roommate moved out about XXXX months ago. And I just received a call form a debt collector ( XX/XX/XXXX ) saying they the property XXXX imposed a claim against me for a total of {$310.00} for cleaning, damages, service fees, and water. They could not provide me with any documentation, and proof of damages or debt, or the dates the debt accrued. I also was not informed within 30 days of terminating my occupancy, as required by Florida State law. 

I told the collector the I hadnt lived in that apartment for 18 months and that the imposed claim was not mentioned until they called me. I then called the property XXXX. The XXXX of the office told me that they misplaced documents again and that if she cant find my file and the release then I am still responsible. I told her that I had given a move out notice, was signed off the lease, and wrote a statement for them when they lost the file the first time. 

After telling me that she would hold me responsible if she cant find the file, the XXXX said she would call me back later that day. Its been a week and she refuses to take my calls and tells her secretary not to let me speak to her. 

I called the debt collector back and they told me if I dont pay it, they will have to report it and it will hurt my credit. 

Ive exhausted all avenues. The property XXXX and the collections agency both refuse to provide me with any documentation or rational for the imposed claim and refuse to acknowledge that I moved out 18 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter on XX/XX/21 to remove all inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I haven't heard anything from them.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. XXXX, XXXX, and Experian have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting A

ct ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

I resolved a debt with Transworld Systems on the terms that it would be removed off my credit report. I paid the amount in full and they sent me a letter that the debt was resolved. 
When disputed with the letter given, they will not remove it from the credit report. The letter states as of XX/XX/2023 the debt has been resolved. I have contacted Transworld Systems multiple times to try to get this resolved and they will not work with me, so they leave me no choice but to submit this complaint to try to get a resolution.
Product: Mortgage

I filed a homeowners insurance claim and was issued a claim check for the repairs. It was made payable to my mortgage company fifth third bank and to myself. I called fifth third and was told for faster service to also provide their loss draft dept with my adjusters worksheet and a prepaid next day air envelope for them to return it to me. Which I did. They advised me that the process would take 3-5 business days. They received my check on XX/XX/XXXX at XXXX. They misplaced my check on someones desk for the next 5 days. On Thursday XX/XX/XXXX i called and spoke to a agent who tried to help but said she can not help me as she does not know where my check is and that things are so messed up in their loss draft dept that she was going to quit by the end of the day. She then started to cry and put me on hold. After about 20 min a supervisor ( XXXX XXXX XXXX XXXX ) can on the line and told me that she was sorry my check had not been processed and that she was personally going to get it endorsed and over nighted back to me. She assured me that she would be calling me back by days end with a tracking number to the return check and that they would NOT be using the certified envelope that I had provided them. The day went on with no call from Miss XXXX. I called and left 2 voicemail for her asking where my tracking number was as promised. I have not heard anything back from miss XXXX and the morning of XX/XX/XXXX I called the loss draft dept again. After 45 min on hold I explained the whole story to the agent who then transferred me to Miss XXXX   associate " XXXX ''. She told me that XXXX had tasked her with sending my check out and getting me a tracking number and that she had forgotten and was doing it as we speak and that she had also missed the cut off time for XXXX pick up for XX/XX/XXXX. She gave me a tracking number and said she paid {$65.00} to have it overnight XXXX to me for a Sat delivery. That was on XX/XX/XXXX. Sense XX/XX/XXXX the overnight tracking number has not moved. XXXX has not received the package to scan it in. My check has not been endorsed, is still lost or sitting on someones desk. On XX/XX/XXXX i called Miss XXXX phone and finally she actually answered. I explained the ongoing issue with her and she said there was nothing more she could do to help me. She did not know where my claim check was and that I could take this up with her supervisors if I wish. Fifth Third loss draft dept has had my claim check now for 11 days and they refuse to endorse and send it back to me. I have been living in a house with no kitchen or floor for 1 month now and need to pay contractors to repair my damage. Can you please help ASAP?
Product: Payday loan, title loan, personal loan, or advance loan

I was able to take out multiple loans and lines of credit at XXXX different companies online. I feel that I shouldnt have been able to do that and now I dont have the income to repay at the extremely high interest rates. I feel these are predatory loans and loan sharks. They are unwilling to modify terms nor help.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit card

Went to a XXXX dealership to buy a new motorcycle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX and as expected they asked my information for a credit check, I filled all the documents and to my surprise, after I left the dealer I saw an email that I got approved for a new credit card for XXXX. I did sign a credit application, but at that moment my understanding that was related to a Motorcyle loan NOT a credit card.
Product: Debt collection

I tried to set up a payment arrangement for a XXXX debt. 
IQ data states that they don't own the debt and XXXX is their client. 

I called XXXX and they told me that they do not manage the property anymore and any debt more than XXXX years old is typically a write-off. 

I have tried to make arrangements with IQ Data and even set up an arrangement. 
I called them a week before extraction and stated that I will not be able to make the full payment because of circumstances and to cancel the autopayment because it will decline. I spoke to a Manager with that request and she literally called me a liar and told me to borrow money that I am not responsible and that I do have the money. My conversation with her made me extremely emotional and upset, she was verbally abusive, and it's unacceptable. A gentleman called me today to advise that the payment did not go threw and I told him under new circumstances I only have {$1000.00} to pay on this debt and nothing else. He also called me a liar and was verbally abusive. 

Not sure why we allow people to talk to others this way. I work in collections and would never ever verbally abuse someone if they owe money. You have to maintain dignity and respect for others. 

Please help
Product: Payday loan, title loan, or personal loan

Applied for a loan in person for XXXX but, at the time of the loan everything was done on her computer and she said everything would be emailed to me but it was never sent to me and when I called them on several occasions to discuss why the loan is not decreasing in the amount but is instead increasing all I received was the run round. 

I am aware that a lawsuit has been filed against titlemax for XXXX XXXX dollars with XXXX XXXX going to military families for predatory lending practices and XXXX XXXX going to consumers and I would like to know how to become apart of the lawsuit. 
I have already contacted XXXX  XXXX and did an interview with a reporter regarding titlemax illegal practices.