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

XX/XX/2020 I sent out disputes to the credit bureaus. To my knowledge the credit bureaus have 30 days to complete an investigation. In my case, they didn't. So I followed up with a no response letter and still have not seen a change in my credit reports or was notified that an investigation had even been started. According to 611 ( a ) if the credit bureaus do not respond in 30 days the credit bureaus are supposed to delete the accounts in my dispute. Well, they didn't and they have been purposely ignoring my disputes. I am really considering filing a litigation because this is becoming stressful for me. The credit bureaus are not following the law and this is not fair to me. 
Please delete the following accounts immediately : Fedloan XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to human trafficking debt bondsge, which falls under trafficking according to trafficking-debt final rule XXXX. XXXX ( b ) ( XXXX ) XXXX. XXXX ( b ) ( XXXX ). i kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the fair credit reporting act. i am a victim of human trafficking of debt bondage & would like for all listed accounts to be blocked and deleted company information transunion. please delete the following accounts. merchants credit guide balances {$900.00} & {$2300.00}. XXXXXXXX XXXX guide balance {$1100.00}. XXXX systems balance for {$1500.00}
Product: Credit reporting or other personal consumer reports

I have requested the immediate removal of fraudulent accounts and inquiries form XXXX, Equifax and XXXX. Under setion 605B of the fair credit reporting act, in union with 15 USC 168c-2. Below are the listed fraudulent accounts and inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Received an email message stating that a transaction would be processed via my PayPal acct. This was a transaction for a hotel bill where we stayed in XXXX. The bill on the PayPal statement was the exact amount of our hotel expenses. 

We used our credit card to directly book and complete the transaction for our stay. As soon we checked out, I received a confirmation email of the transaction from the hotel. 

This email was received the following day and was addressed from XXXX XXXX, XXXX. This whole thing looked suspicious. Why would a hotel use a personal name and weird email name instead of XXXX? 

I went to my PayPal app and removed all of my bank and credit card information. I logged into my credit card, and I verified that those related charges were already accounted for by the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

RC Willey is reporting late payment for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time.I have not been late before and I haven't been late since. I ask that RC Willey make a goodwill adjustment to have this removed.
Product: Credit reporting

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently asked XXXX XXXX, XXXX, and Equifax Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.
Product: Payday loan, title loan, personal loan, or advance loan

Someone took out a loan online in my name from Speedy Cash. I never applied nor visited this place. Now I have {$720.00} taken out of my bank account from a loan I never applied to
Product: Credit card or prepaid card

I have been using grain ( https : XXXX ) since around XX/XX/2021, I have contacted them at least 5 times through email stating I needed to update my banking information so that I can may payments, I had a problem with my checking account so that account was frozen. I absolutely don't want this to negativity affect my credit score, right now I have a balance of {$440.00} that I am ready to make make payments on but the application doesn't allow me to. So yeah I haven't been able to contact anyone from customer service. 
If you could help me with this it would be greatly appreciated Thank you
Product: Debt collection

This complaint concerns the actions of Greenback Recovery Group in an attempt to collect a debt. On XXXX/XXXX/16 I received a voice mail message from XXXX XXXX at GR Group. She identified herself as a " Senior Arbitrator '' in the legal division, and stated that she had received documents identifying me as the " primary Respondent ''. She proceeded to state that I had written " bad checks from a XXXX Bank checking account attached to a social security number ending in xxxx ''. She then threatened to " pursue charges under the Federal Bank Fraud Statute for XXXX XXXX, Arizona ''. On XXXX/XXXX/2016, I received another voicemail message from Greenback Recovery Group. This time, XXXX XXXX claimed that " this matter has been approved for suit for A XXXX XXXX filing to bring you up on XXXX separate charges for Theft by Deception, Breach of Contract, and Writing Bad Checks out of your XXXX XXXX Bank account ending attached to your social security number ending in XXXX, and I do have the full social ''. She stated she represented an unnamed attorney network. At no time during either of the messages on XXXX/XXXX/16 and XXXX/XXXX/16 did she identify herself as a debt collector. Additionally, I had not received any kind of written correspondence from the GR Group. I contacted my attorney, XXXX XXXX. They then provided me with a demand letter that failed to identify the current creditor. I have attached a copy of this letter, and I have XXXX voice mail messages saved. Not only have I been the victim of illegal collection practices under the FDCPA, but I believe GR Group has violated the Arizona XXXX. XXXX XXXX XXXX ( XXXX ), a person commits theft by extortion by knowingly obtaining or seeking to obtain property or services by means of a threat to accuse anyone of a crime or bring criminal charges against anyone. The use of the threat language to " bring charges '' for theft by deception, writing bad checks and violations of the Federal Bank Fraud Statute is a clear attempt to get me to pay on a claim for breach of contract, by putting me in fear of criminal prosecution. I have been very distraught over these threats. I believe my attorney is in contact with the XXXX office regarding GR Group 's violation of XXXX XXXX. The communications with Greenback Recovery group have been very threatening, and much of the language used, such as " Senior Arbitrator for the legal division '' and " approved for Suit '' seem intended to convey that the collection agency is a Law Firm. 

My attorney, XXXX XXXX, can be contacted at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter that I filed as well for Identity theft.
Product: Checking or savings account

I haven't dealt with a bank that constantly provides there customers with misinformation constantly and never seems to be corrected. On XX/XX/XXXX I filed a claim for merchant dispute claim # XXXX in reference, to the Merchant only supposing to debit my account for one total transaction of {$320.00}, but instead made 5 small debits which totaled the amount and I received a notice on XX/XX/XXXX the claim was denied and the credit would be reversed. I contacted Bank of America on XX/XX/XXXX and spoke with XXXX who explained that once the transactions post, BOA would waive the fees. On XX/XX/XXXX, I contacted BOA on spoke with XXXX and asked if possible, if I could get a extension until XX/XX/XXXX, before the transaction or credit would be reversed would post because experiencing a hardship and she advised me she would have a supervisor escalate this form over to claims for the extension. On XX/XX/XXXX I reviewed my account and contacted Bank of America and spoke with XXXX, who explained to me to get the extension the request would have to be submitted 48 hrs prior and transferred me to Manager XXXX who said she would review the calls and followup with me on XX/XX/XXXX and they did reverse fees of {$140.00}. I spoke with XXXX in Claims who advised me would send my request to see if they stop any further fees being accessed and reversing credit, and was contacted by XXXX in the Executive Office on XX/XX/XXXX who was the most unhelpful individual, first telling me he use to work in Claims, and before we got a chance to discuss my concerns he wanted to tell me how things were, who refused to acknowledge any inaccurate information given by their company representatives or offer an apology, and just gave me typical bank jargon, and referring me back to the merchant. I have been with this Bank since XXXX, but I see now it's time to change banks and after speaking with XXXX again on XX/XX/XXXX, it's making my decision to go to a different bank much easier because in my opinion nothing has been resolved nor has ongoing part of them given inaccurate information constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. XXXX has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of. 

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX did not disclose this information to me that is required by federal law. 
XXXX  knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

Please see attached the letter sent to XXXX addressing this violation and their letter back to me.
Product: Mortgage

Nationstar Mortgage became the new servicer for my mortgage on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they sent a statement of account indicating I had 30 days in which to dispute the debt. I did mail a dispute certified mail on XXXX XXXX, XXXX well within the 30 day time period. However, they have my home scheduled for sale on XXXX XXXX, XXXX without any notification to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.
Product: Prepaid card

This is about coinbase card I made a refund from XXXX it was sent to them but they won't give me my money
Product: Money transfer, virtual currency, or money service

One day in XX/XX/2021, I found that my Coinbase account had been disabled. I have contacted Coinbase several times since and have not gotten a reply from Coinbase. Early on, I did receive email correspondence but no follow up since. I have contacted Coinbase through their customer support page on their website and still havent gotten a response. My money is tied up in my disabled account and I have no access.
Product: Credit reporting

I requested my credit report thru annual credit report. After filling out the info and answering the security questionsXXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, Experian, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the accuracy of certain information in my credit report. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging violations of the Fair Credit Reporting Act ( FCRA ), including failures to properly investigate consumer disputes and the reinsertion of inaccurate information. 
I believe the following inaccuracies in my credit report may be reflective of the issues raised in this lawsuit. I kindly request that you investigate and correct the disputed items : 1. XXXX : a. AccountName : I.C.SYSTEMINC. 
AccountType : XXXX XXXX : Closed Payment Status : Seriously past due date/ assigned to attorney/collection agency. 
2. LatePayments : a. 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORTS. ATTACHED DOCS.
Product: Credit card

I am writing to formally lodge a complaint against Citi Bank for its inadequate response to my dispute regarding fraudulent charges amounting to over {$72000.00} from XXXX XXXX XXXX, a XXXX  scheme based in XXXX. Despite providing Citi Bank with comprehensive documentation, my case has not been resolved satisfactorily, and I am seeking your intervention. I submitted a XXXX page document detailing the fraud, which included transaction records, communication with XXXX XXXX XXXX, and evidence of their XXXX  scheme operations. 

Under Federal Law, it is Citi Bank 's duty to fully investigate ALL of the charges and provide provisional credits while the matter is investigated. Citi Bank has FAILED to address ALL of the charges resulting from this XXXX  scheme defrauding me. As of the last week charges have been placed back on my credit cards placing considerable financial strain on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

National Enterprise Systems has called my place of employment five times in the last couple weeks to collect on a debt that I do not believe I owe. 

I just started recording the time and name of the representative calling. Today XX/XX/19 someone who identified themselves as XXXX XXXX called at XXXX asking for me to identify myself and confirm my social security number and my date of birth. I have read that the representatives of NES regularly use aliases so I am not even sure if that is his real name. 

I told them they could not call me at work and informed him that I had told the previous callers that they could not call me at work also. He then either lied, knowingly or unknowingly, and said that they had never called before. 

I informed him that he was violating the fair debt collection practices act and then he started talking over me so that I could not get a word in. He told me I was neglecting a debt owed but he would not identify who he was calling for unless I would provide personal information about myself which I refused to do out of privacy and identity theft concerns. 

He said that he would remove my work number from his call list but he is not the first person to do so, now I do not believe they take any action to prevent repeated violations of the FDCPA. 

I do have some old student loans that I owe on and I am making payments to the federal government on those loans because they were federally insured loans. But NES does not ever call about those loans so I believe they are either wrong of the calls are outright fraud.