23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 To : Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Re : Request to Remove Security Freeze - Dear Clarity Services, I am writing to request the removal of the security freeze placed on my file on. I understand that a security freeze helps protect my information, but I now need to apply for Wireless Service. 
Please find enclosed copies of the following documents as verification of my identity : Government-issued ID : State ID with the number [ ID number ] Social Security card ( XXXX ) Proof of address : Please remove the security freeze on my file as soon as possible. I understand that it may take up to 10 business days for the freeze to be lifted. 
Please let me know if you require any further information. You can reach me at ( XXXX ) XXXX or XXXX. 
Thank you for your time and assistance.
Product: Debt collection

Hi, I want to file a complaint against IC Systems XXXX for a medical bill of {$640.00} that I asked a debt validation for. I sent the letter to them on XX/XX/2021 through certified mail and the date that it was received by them was XX/XX/2021 at XXXX. I also requested that they don't report anything to the credit bureaus until this debt was validated and they ignored my request by updating information and reporting this debt again to the credit bureaus, instead of validating the debt. There has been no written communication or validation of debt from this company and it has been over 30 days. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging Systemic issues Such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Theses failures align with experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action or remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a cosumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Transunion about removing credit acceptance account since it was reporting a XXXX balance. Their investigation did not resolve the issue. They are now adding a balance to a closed account.
Product: Vehicle loan or lease

BridgeCrest Credit Company is in Legel Litigation for Collateral Fraud and Securities Fraud on my car Loan Application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the Equifax data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You
Product: Payday loan

I did not see the correct category so I choose this one.. I applied for a loan modification in 2012 with Ocwen Loan Servicing LLC . after many attempts of filling out countless packages of there loan applications and going through a different agent time and time again because it seems they have a high turn over of employees I have been turned down time and time again without getting an answer as of why it has been 4 years now and they finally decided to just stop helping me and shift my loan over to a company called XXXX. No cover letter no explanation of why .... Is it because of my XXXX Last Name could it be a XXXX thing with them????? I believe I have been scammed by this organization and I would like you to look into it? I am XXXX years old, I work in the movie industry I know these companies have worked with many of us who have faced work going to other states that has affected us all financially. they would not help me my husband became XXXX for one year and I explained to them I was the sole supporter they would not help me ... I want to file a complaint. I think they are a prejudice company and I want an explanation and I would like to see them audited I believe they scammed me for 4 years and now they just dumped me over to another loan company I know nothing about and I have to do all at the paper work over again!!!! Are you kidding me???? Please help me!!! during this time you see my house has gone up in value I believe that they know this and waited and waited and stalled around so they could take my house from me. There very smart ... .. and want to scam the consumer ... .. Thank you for your help! I have also sent altered XXXX XXXX minutes ... XXXX XXXX and President Obama who knows if they will ever see it but I will not stop until these guys are dealt with if I had the money I would sue them personally.. But I know there cooperate attorneys are scam artists also.
Product: Money transfer, virtual currency, or money service

Square froze a payment that a customer sent to my account. This is the 4th payment that has been made by the same customer and same customer information for the last few months. They're holding money for no reason and do not respond to my inquiries.
Product: Credit reporting or other personal consumer reports

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 name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 card or prepaid card

I asked for a replacement card to be sent and during the time of processing my ex girlfriend had my Mail forwarded to her home address which I was unaware of because I was arrested on XX/XX/2022 in the meantime my card arrived and had my tax refund and social security income on it. My ex girlfriend spent all XXXX that was put on the card. I asked XXXX XXXX  to to dispute all transactions because I was incarcerated and I did not make these fraudulent charges. XXXX XXXX  has refused saying Im responsible.
Product: Money transfer, virtual currency, or money service

Ally Invest confirmed me that they will not charge me a fee if I close my Roth IRA after 6 month with ally Invest. I open XX/XX/XXXX closed it XX/XX/XXXX. 
They charged me {$25.00} fee. 
I contacted them to refund as what they said. 
They first rejected. 
I followed up again, they did not reply after I forwarded their email back XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for loan with BMG Money company for XXXX {$.00} XX/XX/XXXX application # XXXX XXXX declined application XXXX times from XX/XX/XXXX up XX/XX/XXXX varying from various miscellaneous reasons such as missing statements filling out fields incorrectly during application process. On XX/XX/XXXX applications XXXX set a penalty for XXXX day wait before opportunity to access the same application. On today XX/XX/XXXX it was acknowledged that the application again met all requirements however their underwriter had made a mistake in verifying my actual income from being XXXX and not being ssa. I was told that upper management of course could not rectify this issue or do anything about it other than to send a message over to there staff team saying hey, that was incorrect. I was apologized to however was not left with any concrete resolution from management by phone, email, or in writing regarding this situation. 
The website and text messages state that reasons for denial for application would clear be outlined in declination letter, however they were not. 
I feel like the company has failed to correct this issue with application and I have also let them know and provided all documentation. I feel that after XXXX applications stating that a denial due to a mistake on there own behalf is unacceptable and is an act of discrimination when they do not take any steps at rectification. 
I feel like any error on a companies part especially in the field of finance and dealing with applicant social securities numbers calls for an immediate flag for rectifying a situation requiring a resolution and lead staff team assurance for fixing the issue at hand and understanding that an apology is a very shallow and undermining act of discrimination because there is no rectification for just cause other saying that to try again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to an adequate inadequate customer service and unfair practices. Which violates The consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I think appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I AM REQUESTING A 1099c document base on IRS website who h states that this is a canceled debt.
Product: Credit reporting or other personal consumer reports

Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801 states " [ i ] t is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Sunbit Now, XXXX ( " Sunbit '' ) is a financial institution by definition under that title. See also 16 C.F.R. 314.15. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' See also P.L 90-321 ( 82 Stat. 146 ). Sunbit does not have my consent to furnish this information and they surely do not have my written consent. This lack of consent is confirmed by the attached legal opt-out notice. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). Sunbit does not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them. Additionally, 15 USC 6802 ( b ) ( c ) states that [ a ] financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Sunbit never informed me of my right to exercise my nondisclosure option. And per the enclosed notice, I revoked any consent - implied, express, verbal, or non-verbal- to which Sunbit may have been relying on is legally revoked indefinitely. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ 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 information is inaccurate. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt-out at any time. I am opting out of Sunbit and XXXX 's reporting of this account. Accordingly, Sunbit has received lawful notice of my opt-out of their reporting of the following account to non-affiliated third parties- such as XXXX. Thus, Sunbit is not lawfully permitted to continue to reporting this account on my XXXX report.
Product: Credit reporting or other personal consumer reports

This complaint is to all 3 credit bureaus ( XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have demanded that these items be removed/deleted from my credit report.15 U.S. Code 1681 - Congressional Findings and Statement of Purpose.15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title
Product: Debt collection

INSURANCE ON ACCT HAS NOT BEEN ACTIVATED IT SHOULD BE ACTIVATED AND PAID
Product: Credit reporting or other personal consumer reports

RE : inquiry removal Well, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of an account with synchrony bank. This account is fraudulent Account could have been created when car was stolen with my personal information like ID, social security numbers.
Product: Credit reporting

I disputed an account with XXXX which is listed as open and a balance and in collections this account was included and discharged in a chapter XXXX bankruptcy this account should be listed with a XXXX balance and closed because of this bankruptcy. they corrected the XXXX other accounts listed incorrectly but did not fix this XXXX now I request it to be corrected or deleted as any attempt to collect this is in violation of federal bankruptcy law and I will petition the court to seek sanctions if I need to. I have attached the creditor list and discharge paper showing they were listed in the ch XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a newly leased vehicle with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the XXXX finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The XXXX XXXX company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, Transunion and XXXX. I have a letter from my insurance agency to XXXX, it reads " Contact was made with XXXX XXXX XXXX on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.
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 the 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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
Product: Debt collection

2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the Area Aging Agency in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.
Product: Money transfer, virtual currency, or money service

I have purchased from a scammer for one of the golden retriever puppies online for {$750.00} via Zelle on XX/XX/2020 and then sent {$1100.00} for shipping insurance via XXXX XXXX app @ Zelle. I have just talked with XXXX about a possible refund on XX/XX/2020, but they have told me that they are not responsible for Zelle. I have also contacted Zelle to try to reverse my transaction, but the company told me that the money has already been transferred, and a refund was not possible. I trusted the bank for Fraud protection and thought that Zelle which is included in the XXXX XXXX  app not covering authorized fraud/scam. It should not be the case and Zelle should put out a statement that they do not cover fraud/scam damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is from XXXX on equipment return charges. The equipment was returned to the XXXX store because XXXX stated I had to return equipment by mail. They would not pick up their own equipment. I shipped the equipment and there was no phone call or letter that they had received it. After checking my credit report several months after, there was a collection for the charges on equipment. I called XXXX and they stated they did not receive the equipment. XXXX  store in XXXX, illinois could not reproduce proof but remembered me shipping the equipment. This account is completely false and SHOULD not be placed on my credit report. I am XXXX years old and this is the only collection I have. I disputed this with all 3 credit bureaus and it was deleted. Now it has reappeared with new dates of delenquincy and XXXX  will not delete after receipt of my dispute. The dispute was placed on XX/XX/XXXX. Please help me get this false account removed.