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

Hello, I bought a subscription from Klover Holdings Inc. for {$4.00} to use their points rewards program. The program is supposed to compensate users with XXXX XXXX XXXX for watching video Ads. After I watched several XXXX video Ads and redeemed points for several XXXXXXXX XXXX XXXX in the Klover App, I never received the gift cards. I contacted support and was told I violated a policy stating users can only watch 50 Ads per day. Although, this is not mentioned in App and also there is no limit on Ads in the App. I was simply able to watch up to 120 Ads per day and sometimes more. If there is really a limit, Klover should have barriers in place to prevent users from watching over 50 Ads per day. I am filing this complaint seeking compensation for the {$53.00} worth of XXXX XXXX XXXX I was supposed to receive for watching all of the Ads that I watched. I have contacted Klover support and was given the following response. 

" XXXX XXXX, Thanks for your patience here! My name is XXXX and I'm a Lead here at Klover. After conducting a thorough investigation into your account, we have determined that you are using the Klover application in a way that is not conducive to the manner in which it was designed. In accordance with our Terms & Conditions, " Klover may suspend, cancel, limit, or revoke your access to and use of the Site or the Services and/or terminate these Terms and the agreement between you and us or your Klover Account at any time without notice, with or without cause, in our absolute discretion, to the extent permitted by applicable laws. " We have a maximum number of ads a user can watch within a 24-hour period, and after an investigation into your account, it was found that you have exceeded that number on multiple occasions. At this time, your ability to utilize Klover 's XXXX cash out feature has been revoked and you will be unable to cash out for XXXX XXXX XXXX  moving forward. Any pending or future XXXX cash outs are considered null and void at this time. Should you have any questions, please do not hesitate to respond directly to this message. Do note, however, that this decision is final. 

Best, XXXX XXXX
Product: Mortgage

I was approved for the XXXX XXXX XXXX XXXX XXXX, with 6 months of payments starting XXXX XXXX has confirmed that they sent out the payments on XXXX  and confirmed the address to which the payments were sent. They have also been paying my utility bills- which were already received this month. 

When I call Loan Care, they state that they havent received my payment, nor any notice of my involvement in the programXXXX XXXX says the opposite and that Loan Care just hasnt applied my payment yet. Every time I call, I receive a different answer from customer service. As the end of the month is approaching, Im afraid that the payment wont be applied to my mortgage and penalize my credit score.
Product: Money transfer, virtual currency, or money service

Western Union is the financial institution that opperates in XXXX. The problem is that XXXX Americans living un the UA need to help our families there, so se send money through WU in USD and the WU complete the transaccin instruccin CUC the cuban currency that has no value. Why not given our famlies in XXXX USD instead of cuban CUC?  The exchange is unfair.
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 XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XXXX XXXX amount- XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX system are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

On XX/XX/2021, I noticed that the social security lien was still reporting on my Experian credit report. I didn't notice before because Experian is the only reporting agency reporting the old social security account. 

On XX/XX/2021, I mailed a letter to Experian letting them know that this information was not correct. I received no response. 

on XX/XX/2021 I mailed a second letter letting Experian know that the social security account was not supposed to be on my credit report due to a mistake. I even mailed Experian the letter the social security administration sent me clarifying that it was not my fault. I received no response. 

On XX/XX/2021, I wrote a third letter letting Experian know that I haven't received a response and this can't be right. I then received a letter from Experian stating that my investigation could not be complete and that the social security account will remain on my credit report. 

It seems as if Experian didn't even investigate because the letter from the social security administration states clear that the account was not my fault and shouldn't go against my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX  XXXX XXXX XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ XXXX  XXXX XXXX XXXX Account # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to my records, the payment for the aforementioned period was made by Debit card on time and was processed without delays. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim.

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

So I having with cash app for quite some time now. I ended up going to prison but I still had XXXX paychecks put on the cash app after I had gone because I went to prison I lost access to my phone number that I had in my email address and so I made a new cash app account to get my money transferred over I've done everything that you can possibly think of to verify that I am who I say I am and it even says that my identity was verified on my app but for some reason they won't let me switch accounts over or the money over and they won't tell me why either they say security reasons won't let them do it which that doesn't make any sense to me when I ask him what the security reasons are they tell me they can't tell me that information
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i contacted Aargon Agency regarding a collection on my report for XXXX in the amount of XXXX. I spoke with the collector and was assured if I paid XXXX ( 50 % ) that they would DELETE the item from my credit report. I paid on the same day. I looked at my report at the end of XXXX and saw it was still reporting but the balance had updated and showed XXXX due at that point. I figured it just needed more time to delete. Its now XX/XX/XXXX and the item is showing as a closed collection chargeoff with a XXXX balance AND on Aargons ' system they are showing an OUTSTANDING balance of XXXX as if i just randomly called in and made a payment for 50 % for no reason at all and decided to just leave the rest there! 

This remaining XXXX I was told on their " monitored and recorded lines " would be deleted from my XXXX report. I have a letter to that effect that I am attaching.
Product: Debt collection

Second time reporting this company. As stated on the first complaint I googled the address and found this company as a debt collector. As stated in the first complaint, this person does not live here. I stated this before as addressee is not a current resident and have asked this company to stop sending mail to a person who does not live here. XXXX XXXX is the addressee and I would appreciate if this company would stop sending mail to a person not even here. 

This is considered to be harassment as this point as I have informed the company that this person is not living here and they need to stop sending mail to someone who is not a resident of this address. If this is not stopped my next step is contacting a legal representative to see how to stop a company from sending mail to someone who isn't residing at my address and as stated before I HAVE informed the company who apparently disregard the notice of no one living here, by the name stated on the mail being delivered. Its not my faulty this person has not forwarded their address and I demand no further mail being sent here for this person. Also, mail is being sent back via the USPS and stating to my carrier this person is NOT at this address.
Product: Debt collection

I received a update on my credit report from this company call LVNV FUNDING. I was not notified of this debt from this company nor given a 30 day notice to dispute. This a violation to my credit report. The debt, that this company is collecting is debt from XXXX XXXX credit card that has already been removed from my XXXX credit report due to the company not providing proof of this debt. I request this company provide proof of debt an address that I was informed of this debt. I have no financial obligations to this debt an I will show proof that it was removed from my credit report. An this was sold to another company without knowing the implications of the debt that was already disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. Experian stated XXXX XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no debt, no therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my report as these do not belong to me and I did not authorize them. 

XXXX XXXX NA Inquired on XX/XX/2022 XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXI send money from one account of my to another on the attached documents it says it was sent I never receive it I called they transfer me to a fraudulent department to answer some questions where the money came from and where it was going XXXX questions that I I answer that was really none of their business then they said we are going to release the funds then all on a sudden the system crashes and I would have to wait 48 hours so I called Monday they I have to wait another 48 hours Wednesday same thing Friday same thing Same thing I called this Sunday they said 24 hours when I call tomorrow it will be the same I put a complaint in with my bank, XXXX, and the the two companies they have on the bottom of this attachment
Product: Credit reporting or other personal consumer reports

This is a complaint about the annualcreditreport.com website. The average consumer is going to be deceived -- I was. 

The process for requesting free weekly online credit reports from the https : //www.annualcreditreport.com/ website is broken. 

From the XXXX XXXX XXXX, following links labeled " weekly '' eventually lands you on the https : //www.annualcreditreport.com/requestReport/processCRA.action page -- which is exactly the same page you'll land on if you request your free " annual '' report. (??? ) On that page, the term " report '' or " credit report '' is used 8 times ; the word " weekly '' is used exactly once -- at the top of the page, and ; the word " annual '' is never used on the page. Yet the discussion following the, " COMMON QUESTION : Should you order all XXXX  reports now or spread them out over time? ", is all about your annual report. So in response to the instruction to, " Request XXXX, XXXX, or XXXX reports '', a careful user of the page will not select any report, thinking the check boxes are for annual reports, when they're seeking the free weekly online reports. But with none selected, clicking the " Next '' button reloads with the error message, " Errors : Please select one or more XXXX XXXX XXXX XXXX XXXX. '' -- you can't proceed without selecting at least one. 

So there is no clear path to " ... free weekly online credit reports ''. [ Yet the entire website advertises them at the top of every page. ] This 'smells ' like a consumer deception to trick users into accidently requesting their free annual reports so the reporting companies can later charge {$15.00} bucks when those users have a valid need for their now-no-long-free annual report. 

It's at least disingenuous -- and probably fraudulent -- to allow any confusion about which report is being requested : free weekly or free annual [ which will cost you later, if you request it when you don't need ].
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. 
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 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 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

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 XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account NumberXXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting a 30 day late status for XX/XX/2019 on XXXX   and TransUnion. My home was sold and the mortgage company was paid in full.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my XXXX XXXX son added {$600.00} from my bank account to my cash app without my permission. When I noticed I contacted Cash app and they refused to do anything about it so I called my bank and asked them to reverse the transaction, which they did. Cash app proceeds to apply a - {$600.00} to my account. On Thursday, XX/XX/XXXX my children 's father send {$100.00} to that cash app and my son accepted ( again without my knowledge ) which resulted in Cash app applying that {$100.00} to the - {$600.00} leaving a balance of - {$500.00}. When I called Cash app on XX/XX/XXXX to inquire why there was - {$600.00} was applied to my account in the first place, the representative could not give me an answer and when I asked to speak with a manager, I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I requested Experian to correct my personal information. I never received a response from Experian.