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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX on XX/XX/XXXX.
Product: Debt collection

They keep calling my cell phone, which is illegal. They have also called me at work. 

The company in question harassing me is known as Enhanced Recovery Company ( ERC ) XXXX They are calling me from XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

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: Credit reporting or other personal consumer reports

Good Morning, Request for Removal of Late Payment History from Credit Report I hope this letter finds you well. I am writing to address a matter concerning the late payment history on my credit report with all credit reporting agencies. I recently obtained a copy of my credit report and noticed that there are late payments reported for the account with your company. 

I understand and take full responsibility for the late payments, and I appreciate your assistance in resolving this matter. I am writing to kindly request the removal of the late payment history from my credit report. My account since has been paid off, but I have since taken steps to improve financial management to resolved the issue. 

I understand the importance of maintaining a positive credit history, and I am committed to ensuring timely payments moving forward. Removing the late payment history would greatly improve my credit score and enable me to meet my financial goals. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue and maintaining the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I have sent a dispute package to the credit bureau where the account is listed and Affirm has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and Affirm refuses to take action. Additionally, I have called the Affirm " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dispute File number XXXX Submitted on the XXXX of XXXX. no communication on the XXXX of XXXX. 30 days has past time limit expired. Please delete as required. Thank you
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
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. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item 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 item 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: Checking or savings account

Dear CFPB, I am writing to reopen my complaint against Clover-Fiserv due to their continuous and unjustified actions against my business over the past nine months. My previous complaint ID was XXXX, which you closed without a resolution. 

The reason for reopening this complaint is that Clover-Fiserv has been repeating the same tactics without providing any resolution. In my previous complaint, Clover-Fiserv requested various documents and data from us, which we already provided eight months ago. After submitting all the required information, we were informed that our funds would be released after 90 days, which ended on XX/XX/year>. 

After the 90-day period, despite numerous attempts to contact Clover-Fiserv via phone and email, we received no meaningful response. When we did get a reply, we were told, " Your funds will never be released for an infinite time period. '' Upon asking for a reason, they simply stated, " No further details provided. '' Now, in response to our CFPB complaint, they are again asking for the same data we already submitted and have created a new case number. This is a repeated tactic they have used to delay and avoid fulfilling their obligations. What does this new case number mean? Are we expected to submit all the information again only to receive the same non-response : " Your funds will never be released ''? 

We started our business, and within just two weeks, Clover-Fiserv ruined our operations by closing our accounts and holding our funds. If they are claiming the funds will never be released, what are they planning to do with our money? They have no right to indefinitely hold or keep our funds. 

We will now take every possible step to expose Clover-Fiserv for their actions. We will publicly share our experience on every platform available and seek legal action to recover our funds and address the financial and mental stress they have caused us.

The data they are asking for now is the same data they requested eight months ago, and I have attached the previous correspondence for your review. Please assess this matter and judge for yourself who is in the right and who is not.

We urgently need your assistance and intervention to resolve this issue and prevent Clover-Fiserv from continuing to abuse their position. 

Thank you for your attention to this matter. 

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

Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


Experian : XXXX XXXX XXXX XX/XX/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 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 or other personal consumer reports

Fraudulent Inquiries reporting on my credit report that I didnt authorized ftc report attached
Product: Debt collection

I mailed LVNV Funding LLC a debt validation letter this past XXXX about a debt that is on my credit reports ( I will mail them another one if they did not get the first one ). They have not sent me written verification of this debt. Instead, Resurgent Capital Services has intercepted my request.This is in direct violation of the FDCPA because it is false or misleading representation and they are not the current owners of this debt. 

I would like a response from LVNV Funding LLC and only LVNV Funding LLC regarding my debt validation request. I want to make sure that the company that owns this debt can prove that it is mine. Resurgent Capital Services are trampling over my rights as a consumer by impeding my debt validation request. The FDCPA was partially created to prevent unscrupulous unlawful debt collection companies from abusing consumers by using deceptive tactics which is exactly what Resurgent Capital Services is doing. The form that Resurgent Capital Services sent me is very deceptive because the form has their letter head and company logo on it. This creates a false impression that someone other than LVNV Funding LLC can collect on the debt. This scheme is a blatant infraction of the FDCPA.
Product: Money transfer, virtual currency, or money service

Respected sir, I am a USA citizen and presently residing in XXXX, I want a transaction history of the amount that I have transferred to XXXX from USA. I have contacted the bank but they could not provide me the same. I am fighting a litigation in XXXX and this is very important for me.
Product: Debt collection

XXXX XXXX dollars .The account is to old and should not be on my credit report now. Its been 7 years.Colonial auto finance. account number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this dispute for incorrect personal information on my credit report. I looked at my credit report, these are names inaccurate XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX listed do not belong to me. Please investigate these accuracies and remove them from my record. Enclosed are copies of my identification and proof of residence for your reference. This is a formal dispute and request to investigation under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. The FCRA mandates credit report agencies to maintain accurate information in consumer reports. The following provisions support my dispute : - 15 USC 1581 e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR XXXX XXXX  AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED XXXX XXXX  AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX software. If this account is not removed, when this is taken to court I will make sure I receive my { {$1000.00} } per violation. *I have sent verification after verification Identifying myself and they keep sending me letters prolonging the process asking for the same thing.
Product: Mortgage

To Whom It May Concern, I am writing to formally bring to your attention a matter of great concern and urgency regarding a COVID forbearance issue that has arisen with my mortgage lender, UWM ( United Wholesale Mortgage ). I understand that the Consumer Financial Protection Bureau plays a vital role in safeguarding the rights and interests of consumers, and I hope to receive assistance in resolving this matter. 

I was granted a COVID forbearance, which was a lifeline for me during a challenging period, and it was in effect until XX/XX/2023. However, upon the conclusion of the forbearance, I received a statement from UWM that requested an unmanageable lump sum payment of {$40000.00}. This action appears to be in direct violation of the Consumer Financial Protection Bureau 's policy, which expressly prohibits requiring individuals who were on a COVID forbearance from making lump sum payments at the conclusion of the forbearance period. 

I have reason to believe that UWM, along with other lenders, may not be adhering to the CFPB 's regulations, particularly when dealing with minority borrowers like myself. As a military veteran who was willing to make sacrifices for the safety and values of our nation, it is deeply disheartening to have my rights violated by a United States company. I believe that no borrower, regardless of their background, should be subjected to such unfair and unjust treatment. 

I am seeking your assistance to rectify this issue promptly and ensure that UWM complies with the regulations set forth by the CFPB. I am willing to work with UWM to establish a repayment plan that aligns with my financial capacity, as per the guidelines and principles established by your organization. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter, hold UWM accountable for its actions, and ensure that my rights, along with those of other borrowers, are protected and upheld. Any guidance and intervention you can provide to address this situation would be greatly appreciated. 

I look forward to a swift resolution of this matter and the restoration of my financial security. Please do not hesitate to reach out to me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or if you would like to discuss this matter further. 

Thank you for your attention and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a missed payment before on my XXXX XXXX   XXXX but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment  plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX  in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Product: Credit card

Business Credit Loan account number XXXX On XX/XX/year> send requested to close account and completed form and sent over the fax to Citibank, few days later I receive letter to confirm I want to close account, and also sent by fax to Citibank. 
Later, on XX/XX/year> I receive statement from Citibank indicating my account open and they charging my account maintenance fee {$100.00}. My numerous attempt customer services were unsuccessful. Finally, on XX/XX/year>, I reached customer serviceXXXX, and representative XXXX could not confirm if my account open or closed, but I was charged {$100.00} fees. I ask to speak with supervisor, and spoke with XXXX from team number XXXX, that was completely waste of time. Not to mention she was rude and constantly interrupted me, but recommended to go the branch and discuss with branch XXXX to waive {$100.00} fee. I explained to her that I am working during the day and cant go to the branch. I comply with all procedure to do it by fax, but she was stone walled me. 
I also tried to call Citibank support number ( XXXX ) XXXX, and that was even worse experience. They put you to some kind of Reward line operator, and you dont have any option to skip, any number you press it routed to reward department and they pushing you for rewards option and demanding credit card number to activate reward card and pay activation fees {$4.00}. what kind of scam Citibank is running?
Product: Money transfer, virtual currency, or money service

I intended to use PayPal to buy 3 concert tickets for {$30.00} each. This is a total of {$90.00}. When I sent the payment to the seller, PayPal sent me a phone text message stating that : [ PayPal ] Transaction of - {$90.00} USD to XXXX XXXX on XX/XX/2019 is marked as suspicious. Reply 1 if authorized or 2 if not authorized. [ Reply Needed ] I replied with 2, to note that the transaction of {$90.00} was not authorized. ( I have the official record of this confirmation ) However, PayPal still removed the money from my bank account and paid it to the thief. The transaction was indeed fraud and the seller who was guiding me make the payment never sent the tickets. I alerted PayPal to the money being taken out of my account. PayPal still took the money out of my bank account. 

My complaint is that PayPal alerted me of the fraud and gave me the option to stop the payment, which I did. However, Payapl did not honor my requedt to halt the payment. I want my money put back into my bank account since the PayPal fraud prevention system did not work. 

In addition, PayPal has no means of emailing or speaking to a person to discuss and resolve this fraud. I have sent numerous emails to PayPal. However I am only getting automated emails that do not address the situation.
Product: Credit reporting or other personal consumer reports

I have been waiting for multiple background checks conducted by Checkr, all of which remain " in progress '' despite significant time passing. The following background checks are still pending : XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 It is now XX/XX/2024, and no resolution has been provided despite repeated attempts to address the delays. 

XXXX 's Response : XXXX support informed me that, since Checkr is a third-party provider, they have no control over the process and directed me to Checkr for resolution.

Checkrs Lack of Transparency and Follow-Up : I have contacted Checkr frequently ( weekly or more often ) : I was repeatedly told my case was " escalated '' to their escalation team and that I would receive follow-up emails within XXXX hours. These follow-ups rarely occurred. 

I consistently received generic and unhelpful answers ( e.g., " it typically takes about a week, '' " its in the final stages, '' or " courts are experiencing backlogs '' ). 

On several occasions, representatives gave contradictory information. For instance, I was told my case was with a " special escalation team, '' which was later clarified as their standard background team. 

Deceptive and Misleading Behavior : I explicitly requested Checkr to cancel one of my pending background checks so Uber could initiate a new one. I was assured this would happen, but the status still shows " in progress '' in my portal.

Court Backlog Claim : Checkr cited " court backlogs '' as the cause for delays. However : I previously completed background checks through Checkr without issue.

I personally contacted the courts in question, and they confirmed they had not received any record requests from Checkr. 

Comparative Background Checks : I applied to drive for XXXX, and my background check was completed promptly. Additionally, the Massachusetts XXXX department certified my background without issue. 

Key Issues : Unreasonable Delays : The background checks dating back to XX/XX/2024, remain unresolved, with no clear reason provided. 

Lack of Transparency : Checkr has failed to give clear updates or explanations for these delays.

Deceptive Practices : Misleading and inconsistent information from Checkrs customer support team.

Given that my background checks have been successfully cleared by other platforms and the courts confirmed no backlogs, I believe Checkr is engaging in unfair and potentially deceptive practices. I seek immediate resolution, transparency, and accountability for these prolonged and unjust delays.
Product: Debt collection

These was never late ( XXXX XXXX XXXX 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 XXXXXXXX ). data furnisher made an error when recording payment. They are aware of issue and agreed to remove negativity. also please check that account is not untimely inaccurate incomplete or unverifiable. please see attached docs