23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX
Product: Student loan

asked why the fees to servicing the loan was so excessive, and at the time i could not pay all of my loan amount because of my pay, they would not accept a lower payment. 
At the time i lose my home and my job., so paying them was out of the question.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued at an address I no longer live at and have not lived at in 6 years. I was not aware of the suit and was unable to show up to court. My bank accounts have been garnished 3 times by the same collection agency with the same paper work from a suit filed twice for the same amount of money. I tired to tell the collection agency the 1st time they did it but they threatened to tell my employer and continue with even more litigation. I was scared and started to pay on a debt that I did n't even understand. I stopped once I lost my job and then another suit was filed where I do not live and that caused this most recent bank account garnishment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX {$3200.00} XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX  XXXX {$6200.00} XXXX XXXXXXXX {$980.00} XXXX XXXX XXXXXXXX {$2900.00} XXXX XXXXXXXX {$2400.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXXXXXX {$1900.00} XXXXXXXX  XXXX {$3000.00} XXXX XXXX {$430000.00} XXXX XXXX XXXX {$620.00}
Product: Checking or savings account

I accidentally did a mobile deposit check and now Im having problems opening a new account for my husband paychecks. Please can you help me with this matter I didnt know it was a fraud check. The amount was XXXX and something
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report.

According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation.

I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a discrepancy on my credit report and I notified Equifax, that there was an open charge account for XXXX XXXX that was not mine. I notified XXXX XXXX  which is the holder for XXXX XXXX and they stated there was no open account for my name and social security number, but it's an open charge with Equifax. I do not have an open charge account with this company and have made no purchases. I need this to be corrected and removed from Equifax.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practice, which violate the consumer financial protection act ( CFPA ), Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my 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. Their actions has caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Mortgage

Completed refinance application with PNC Mortgage on XXXX XXXX, XXXX. Information provided included : ( 1 ) the consumer 's name, ( 2 ) the consumer 's income, ( 3 ) the consumer 's Social Security number to obtain a credit report, ( 4 ) the property address, ( 5 ) an estimate of the value of the property, and ( 6 ) the mortgage loan amount sought. 

Did not receive disclosures within 3 days as required by law. 

In addition to the above on XXXX XXXX, XXXX, I also sent XXXX personal and business income tax returns, personal and business financial documents, payroll receipts, and all property tax records. I resent two business returns as requested on XXXX XXXX, XXXX. Receipt was confirmed on XXXX XXXX, XXXX. 

Attempted to call the loan officer and his assistant at all their listed phone numbers and then sent an email to both on XXXX XXXX, XXXX requesting the status of the loan application, to which I have received no response and still no disclosures. 

They are in receipt of all my relevant personal financial data and I have not been able to contact them since XXXX XXXX, XXXX by phone or email. 

The PNC loan officer is : XXXX XXXX XXXX Mortgage Loan Officer Supervisor NMLS ID XXXX XXXX XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. OH XXXX ( p ) XXXX l ( c ) XXXX l ( f ) XXXX XXXXXXXXXXXX and his assistant : Assistant to XXXX XXXX XXXX : XXXX XXXX Mortgage Loan Officer Assistant NMLS ID : XXXX PNC Mortgage ( p ) XXXX ( f ) XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

you and your account. 
XXXX XXXX ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX ALLY  XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I received a call from a representative at Greensky in response to a letter I sent in XXXX. The case reference number for that letter was XXXX. The representative that called me informed me that I needed to speak with a manager to discuss the settlement offer I made in the letter. 

He gave me a number to call and I spoke with a representative by the name of XXXX. This call was made XX/XX/2022 at approximately XXXX XXXX. c.s.t. The call was recorded, and I do have the audio file. I have attached a copy of the document she emailed me to ensure me she was referencing the correct account. 

XXXX informed me that there was no need for the settlement as this account had a XXXX balance. She verified the account more than once to be sure we were referencing the same account. She sent me an email the next day to confirm that we were in fact speaking about the same account. 

I now see a new account balance of {$47000.00} as well as additional interest charges assessed in the month of XXXX. 

I moved forward in good faith relying on information that was given to me by a member of your management team and now it appears Greensky is reneging on what was reported to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE FOURTH TIME I AM ASKING EXPERIAN TO PLEASE RESPOND TO XXXX XXXX XXXX   REQUEST FOR YOU TO UNBLOCK MY ACCOUNT. On XX/XX/2020 XXXX XXXX XXXX, submitted a block rescission request to Experian and they are still waiting for confirmation from Experian that they have removed the block.
Product: Debt collection

I am filing a complaint regarding the improper re-reporting of an account that was previously investigated, disputed, and deleted from my credit report. FH Cann & Associates, on behalf of XXXX XXXX, has re-reported this account despite prior investigations and a confirmed deletion. 

Given the complex nature of my case and my sensitive personal situation, I am routing all contact and complaints through the CFPB until matters related to identity theft and accurate reporting are fully resolved. I am submitting specific evidence with this complaint, such as my FTC Identity Theft Report and hospice certification, which are directly relevant to this matter. Additional evidence about the situation was previously submitted to the Department of Education, where this account is also under review. 

If FH Cann & Associates has the right to collect on this account, they should already have access to the full history and should be aware of its deletion. I seek to establish a clear record of disputing these accounts to prevent them from reappearing on my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries i think someone may be using my identity Inquiry date 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 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 JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my Equifax credit reports.
Product: Vehicle loan or lease

I ended my lease early which I have proof which the company send me paper work which I'm no longer responsible but now I have this collection company coming after me I spoke to them back in the XXXX and inform them.
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 bank Account number - XXXX Account name - XXXX XXXXXXXX Account number - XXXX I recently looked a transunion report on XX/XX/year> and noticed some things are incomplete and inaccurate and according to the fair credit report act whenever a consumer reporting agency prepares it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) 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 ) 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 or other personal consumer reports

I checked my XXXX, XXXX, and Experian consumer reports and noticed an ongoing issue with XXXX XXXX XXXX XXXX conflicting furnishing of {$450.00} as derogatory but also considered a " charge-off/written off as bad debt '', while I've also being sent emails of monthly balances owed treating the account as open. XXXX XXXX XXXX XXXX is in direct violation of section 607 ( b ) of FCRA, " consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the XXXX XXXX XXXX XXXX XXXX is also STILL currently charging interest onto the {$450.00} and have been receiving emails of " balance due '' payments as if the account is still open. This is also a direct violation of law 15 USC 1692f 808 ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' and 15 USC 1692f 812 ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Checking or savings account

XX/XX/2023 {$500.00} I talk to the store clerk they gave me the store location number and the address and telephone number and said the machine always has this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free credit report from Experian and am unable. Their website directed me to a phone number. The automated phone number led me through a series of menus, but none of the options were related to getting a copy of my credit report!
Product: Debt collection

I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe