23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had a personal loan with XXXX XXXX approved on XX/XX/XXXX Howerver, the account became delinquent due my XXXX and no longer able to work later that year deemed XXXX XXXX  XXXX Veteran at that time. However, I no longer had an income in XXXX. I contacted XXXX XXXX explained my situation, contemplated filing bankruptcy and informed the company that I no longer could make the {$230.00} monthly payment. XXXX XXXX made to offers ; the first at 50 % and the second at XXXX XXXX. I could not afford either, therefore the account was written off. 

Spire Recovery Solutions has been constantly calling and sent and email requesting Validation Notice. They continue to call from different fake numbers and contacted my child today, XX/XX/XXXX left a voice message telling my child this is for XXXX XXXX and it is very important that I contact her immediately. 

I do not owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. XXXX and TransUnion are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the XXXX XXXX XXXX ' falls under the definition of a financial institution as per the mentioned title. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither XXXX XXXX XXXX ' nor the consumer reporting agencies ( XXXX and TransUnion ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to XXXX, TransUnion, or the XXXX XXXX XXXX ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. XXXX XXXX XXXX ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681b. XXXX and XXXX are failing to uphold these reasonable procedures. 

Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

Attached below are images from my consumer report containing evidence of XXXX, TransUnion, and XXXX XXXX willful noncompliance. 

Thank you for your attention concerning this matter!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Cash App ( 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, 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.
Product: Credit reporting or other personal consumer reports

Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX  dated XX/XX/year> regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to the credit bureaus. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION -15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit card or prepaid card

USAA reps Uncooperative HOSTILE Will NOT EXPLAIN CLOSING STATEMENT TERMS XXXX ID XXXX the one today would not explain None can ever explain even after I explained I could not go on line They are Untruthful each one saying a different thing to PURPOSELY CONFUSE ELDERLY MORE What is Definition for Term on ( Adjustment Purchases )? 
What is their function as in why are they there? Who are they from? Why? Sometimes they are considered TEMPORARY credits Sometimes they are recorded as New Purchases How to know which and why same term? Very confusing What happens when a fraud is called in? Are TEMPORARY credits LISTED ON CARD APPLIED AGAINST THE BALANCE? When are Temporary credits MADE PERMANET ** USAA does Not provide an option for me to access my account and phone reps will Not EXPLAIN POLICY and TERM meanings. Thousands of NEW PURCHASES XX/XX/2019 statement say ( Security of ) And No One Explains Who would pay thousands of dollars for the UNKNOWN?
Product: Mortgage

I am a XXXX and have a property listed for sale. NationStar did a Broker Price Opinion ( BPO ) of the property and it came in at {$810000.00}. During the BPO the properties basement was flooded and the BPo agent made no mention of it in the BPO report and subsequently brought the BPO price in an inflated value. The buyer had an appraisal done which reflected it 's as-is value with the needed repairs and the value showed {$670000.00}. The appraisal, photos and the repair bid were submitted for a value dispute. Four weeks later a decision was rendered and NationStar stood by the BPO value of {$810000.00} stating " Please advise how all parties want to proceed as our value did not change from $ XXXX. An appraisal report completed by XXXX ( XXXX ) was submitted for valuation dispute. The appraisal estimates the subjects ' as-is value at {$670000.00} as of XX/XX/XXXX. The appraisal is considered to provide a low value estimate utilizing dated sales ( all sales closed in XX/XX/XXXX ) and the - {$100000.00} across the board repairs adjustment is overstated. The repair estimate included in the appraisal is unsigned and no photos were provided that would confirm the noted repairs as described. The subject is located within a desirable pocket subdivision and a sale was noted on the subjects ' XXXX at XXXX XXXX XXXX XXXX, similar age and size, inferior in condition ( dated, inferior kitchen, requires repairs ) and closed XX/XX/XXXX at {$800000.00}. This sale is less recent than desired but is a good indicator of market support for a reasonably similar substitute property within this market. " How can an appraisal by a master appraiser of 25 years experience be considered inferior to Nationstar 's BPO when he took into account the needed repairs and all the comps that were used for the appraisal be considered outdated when I 'm assuming similar comps for the BPO were also used? The area of the home is a very specific location and there 's only so many comps they can use which is stated in the appraisal. The seller has not received a copy of the BPO because it is the property of NationStar. Nationstar should be required at minimum to do an appraisal of their own if they do not agree with the appraised value as the BPO is a much inferior estimate of the properties real value.
Product: Credit reporting

Hello I have a complaint against Transunion. I was a victim of identity theft. In XXXX 2016 I noticed that I had items on my credit that was n't me. So I stared a dilute with TransUnion. When it came to the inquiries I was told by TransUnion that they will not dispute my inquiries and I neede to contact the creditors myself. I did that I wrote letter to the creditors. I did get letters back from the creditors either stating that the inquiries was not a hard check and should not be showing I also got letters saying that they did n't have me in the system and I even got inf back from the postal service stamped insufficient address. Now these are the address that the bureau have. I sent the copies to TransUnion however they still say they are going to remove them. I did what they ask of me and still did n't get any results!! Please help me because I 'm out of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian on XXXX XXXX 2017. I sent in a letter requesting Experian not the creditors, to validate specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. Experian is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Experian to do. This letter has nothing to do with the creditors. I am specifically asking Experian to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.

609. Disclosures to consumers ( a ) INFORMATION ON FILE ; SOURCES ; REPORT RECIPIENTS. -- Every consumer reporting agency shall, upon request ; and subject to section 610 ( a ) ( 1 ), clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request *I also sent Experian a photo copy of my Drivers License and SS card*
Product: Checking or savings account

Recently, I received a refund check in the amount of {$35.00} from Capital One, a refund of an overdraft fee charged to XXXX checking account now closed, account number not available. The account was closed in 2017, the remaining balance in the amount of {$4200.00} not received. I've since moved to new address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. In case check sent to prior address, it was not received. My prior address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Refund check was mailed to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX.
Product: Money transfer, virtual currency, or money service

I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

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

To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX days for this information to be sent to me. Experian will NOT send me actual proof of how they are verifying these items. They are just updating. I am prepared to take this to court as well! If my results are not satisfactory maybe then they will supply the actual information that I have diligently requested! 
I have removed the account numbers as requested by you all at this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Debt collection

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
Product: Debt collection

I took a HELOC in XXXX of 2022 due to XXXX. With that been said I been making payments to the account for over 10 months and the amount I own has not change at all. I have try calling them taking around 1 hour to speak to them. I owe the. {$60000.00} dollars and at first and payments are getting to high. Please if anyone can assist with this. The loan company is call Specialized loan servicing and they are taking way to much money and not paying anything towards the borrow amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXX never been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX/19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXXonsumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. 
( XXXX XXXX : XXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : WELLS FARGO CARD SER Account Number : XXXX It's showing that I have multiple late payments ( XXXX ) and charge-offs. These marks are inaccurate and I would ask whoever reads this to check the documentation that has been uploaded for a better understanding of this inaccurate reporting. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

for XXXX  to infomed me of the remarks on my XXXX  file
Product: Payday loan

I got a mailer - I went in to get a pay day loan which was to be free of interest and fees. I double read the flyer and I was within the guidlines. I go in the lady goes to enter in the code says it does not work calls the district manager and he said it is for returning customers - I had been there before - they would not honor the flyer. I called their executive offices, they told me they would have someone call never did I emailed and called several times and when the payday loan was due they took all {$300.00} and did not honor the flyer. I passsed my XXXX so I do know the difference between a consumer and a customer - I was a returning customer I did business with them before they cheated me need to be stopped from XXXX over consumers. I should have paid {$250.00} instead {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the breech and also a victim of identity theft. before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like these to be removed from my reports. 

XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX entered a card holder agreement with BANK OF AMERICA on XX/XX/XXXX. BANK OF AMERICA is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter on XX/XX/XXXX via certified mail demanding they update the alleged late payments pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they have completed their investigation and have confirmed the information is accurate and they didnt identify any payment record errors related to the account. I sent another letter via certified mail on XX/XX/XXXX demanding a description of the procedure used to determine the accuracy and completeness of the alleged late payments and any items that are found to be inaccurate or incomplete or can not be verified must be deleted from the file of the consumer or modified as appropriate based on the results of the reinvestigation pursuant to 15 USC 1681i ( 5 ) ( a ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they reviewed their records and confirmed the account information they reported to the consumer reporting agencies is correct and the account details they reported are accurate and they wont be adjusting their reporting like I requested and consider my dispute resolved.
Product: Student loan

I was approved for loans for the XXXX school year, although they were canceled XXXX I tried applying for a new loans but was denied because they couldnt verify identity. I would be happy to verify identity, but I was not given opportunity to. I need help getting a ne loan for either this semester or especially further semesters.