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

I was scammed by a company who told me they were XXXX.I received an email from XXXX saying my account was suspended and to login to my account. I didn't do that I went to website and called the number and was told I needed to verify my card information on file which I did. These people hacked my computer and phone and emptied out my bank accounts. This happened XX/XX/XXXX and XXXX 2020 I found out about this on XX/XX/XXXX and went to the bank and filed an affadavit and asked if the wire transfers of XXXX and XXXX could be stopped and was told no this was less than 24 hours after the second wire transfer. The wire transfers were sent to banks in XXXX and XXXX the bank didn't send me an alert about these transactions. I contacted the bank and they reviewed my account saying I compromised myself. I requested a reconsideration and it was sent to the executive office to have them investigate. The bank is Chase so they had the bank investigating themselves finally after XXXX weeks I was once again denied. I am a XXXX year old XXXX veteran and that was all the money I had. I suffer from XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted XXXX about this incident and they said they couldn't help me because the email didn't come from them. Any assistance you can provide for me would be greatly appreciated I live on a fixed income and the XXXX I had was to be used for emergencies and medication. If you need anymore information please contact me. I have paperwork but I don't know how to send it to you.
Product: Credit reporting, credit repair services, 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. 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. 

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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my daughter was contacted by Mr Cooper  Mortgage of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted Mr. Cooper who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.
Product: Debt collection

I made monthly money order payments to Mr. Cooper from XX/XX/XXXX to XX/XX/XXXX in the amount of {$3300.00}, and payment in XX/XX/XXXX and XX/XX/XXXX in the amount of {$3300.00}. Mr. Cooper did not credit the payments to the mortgage loan. Each month Mr. Cooper would send letters stating the payments were returned but Mr. Cooper did not send me a check refunding the money. Also, Mr. Cooper did not return the original money orders mailed from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint with the Consumer Financial Protection Bureau requesting that either the money be credited to the loan and the loan amount reduced by the interest, late fees, attorney fees, etc. that accrued in XX/XX/XXXX to the present due to Mr. Cooper 's failure to credit the account, and rehabilitation of my credit score, or a refund from Mr. Cooper in the amount of {$23000.00} plus interest for the amount of time Mr. Cooper has possessed the money and rehabilitation of my credit score. Mr. Cooper has neither returned the money nor credited the mortgage loan account. The balance of the mortgage loan should paid in full by Mr. Cooper. On approximately XX/XX/XXXX Mr. Cooper responded that it was working with Account XXXX Department regarding the status of the money order sent. As of the date of this complaint, Mr. Cooper never provided me with a written response advising of the " status '' of the money orders received by Mr. Cooper.
Product: Credit reporting or other personal consumer reports

this account has been on and off my credit report. i called XXXX XXXX account # XXXX XXXX several times to let them know this was a fraud i also sent them the police report. They are continuing to put this on my report every year. please have it removed from my credit report.
Product: Mortgage

This involves an application to recast our loan. Our loan is serviced by XXXX XXXX XXXX Shellpoint Mortgage Servicing [ formerly XXXX XXXX XXXX  ] .They required us to send them {$200000.00} for a recast of our mortgage but then denied the recast and would not refund our recast payment. We have been trying to get this through since XX/XX/year> and they first sent the recast approval documents to the wrong address, and then denied us the recast because we had not returned the documents we never received. Then they said they were transitioning to a new owner and could not continue processing any recasts during the month of XXXX. So we reapplied for the recast in XXXX and were told to wire the money for the recast [ which we did ] and they would get approval from the 'investors ' and get back to us, and if they did not approve they would refund the money. They did not approve of the recast, based on an entirely new " eligibility '' requirement that was not disclosed to us and had not been a requirement when we asked to the recast. We sent in a written appeal to the President of XXXX XXXX and the CFO of Shellpoint Mortgage Servicing and got no reply. I have spent more than 10 hours on numerous phone calls [ most of the time on hold ] to them, explaining the situation and even gave them wiring instructions to send our money back, but they keep putting us off from one person to another, and when asked to speak to a supervisor being told there are none, and when asked to get an email or written confirmation of what the agent said they were going to do for us, they said they had no way to email or give us written confirmation of anything, that they just go from one call to another and there is no follow up. I finally, last week, was transferred to someone who they said was a supervisor, XXXX XXXX, who actually gave me an email address, and said she would get back to me, but she hasn't and the email address she gave me did not work. It is a scam that they are keeping our {$200000.00} wrongfully. We are XXXX  and we were relying on getting the loan recast so that we would have payments we can afford. If we can not get the recast we will have to sell the home that we just bought last XXXX for our retirement. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

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

I am filing a complaint in regards to me being victim of idenity theft and am adding a ftc report # XXXX for XXXX XXXX  account # XXXX opened on XX/XX/year> with balance of {$1400.00} and XXXX  acount # XXXX opened on XX/XX/year> balance of {$63.00} and XXXX XXXX XXXX opened on XXXX balance {$33.00} and XXXX XXXX XXXX acount # XXXX  balance $ XXXXreporting inconsistent information with transunion and XXXX  after I have disputed these accounts with transunion and XXXX  and XXXX please delete/block these account pursuant to 15 usc1681 ( b ) 2 they have to stop reporting in 4days of receiving this complaint.
Product: Debt collection

THE LAW FIRM FOR CITI BANK TRY TO SERVE A SUMMONS AND COULD NOT BECAUSE I WAS NOT THERE ON XX/XX/XXXX
Product: Vehicle loan or lease

This company has violated my consumer rights and has reported inaccurate information on my credit report which includes late payments, and now I am being threatened with the intent to repossess This account should be reported as ok on-time payments along with the current total loan balance remaining. I am requesting a fully investigation in regards to this dispute as well. 

These are the following consumer laws I know they are violating for sure : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) ( Exclusions from Consumer Reports ) Truth in Lending Act ( TILA ), 15 U.S.C. 1601 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n I attached a copy of the full complaint letter, and other information about this company.
Product: Debt collection

Date On XXXX XXXX 
I asked for the original lease agreement or any documentation that solidifies this debt is accurate and belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$56000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX  {$240.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

My information is compromised on Equifax. I saw the news of a breach and entered my information. I received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID XXXX. '' I am unwilling to enroll in another service, " TrustedID XXXX '' from the same company that new the breach happened weeks ago, if not months and did n't tell the public. 
I am filing a complaint against Equifax, it 's lack of security and it 's delay in reporting to me that my information was compromised. I found out from reading the newspaper. This is a breach of trust.
Product: Credit card or prepaid card

I have been making my monthly payments on my American Express credit card on time every month I have 3 interest rates of the lowest being XXXX and the next of XXXX and the highest of XXXX. Each moth of making payments they have been taking the payment off the lowest interest rate and not on the highest rates. They keep adding interest each month to the highest rate and the balance is never going down. I have been told several way by American express representatives one tells me the monthly payment comes off the lowest rate first and then off the lowest an other tells me the opposite. I can in no way get anybody from American express to tell me what % of payment comes off each rate balance.I have one tell me that anything over the minimum payment come off the highest rate balance and that has turned out to not be true.
Product: Debt collection

I looked on my credit reports and noticed that I have collection accounts from on all XXXX credit reporting companies with this information : XXXXXXXX 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  I do not owe this company money and I sent them a document ( see attached ) but they never responded. I will also request through the CFPB that the company sends the original purchase agreement with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above
Product: Credit reporting, credit repair services, or other personal consumer reports

I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FEDLOAN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and FEDLOAN with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my Last name Incorrect, I have sent the birth certificate, license, and ss card, along with fid card and they will not fix. I have paid off loans and it shows still open with balances. I have contacted them by phone, by disputing on line, faxing them documents I dont know what else to do please help. Thank you XXXX