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

I am formally writing this complaint in regard to REGIONS BANK. XX/XX/XXXX, a " Notice of Dispute '' I mailed out was delivered to the " dispute department '' of REGIONS BANK prompting them to investigate inaccuracies regarding an account reporting inaccurate information that is being reported to the consumer reporting agencies ( XXXX, XXXX, and XXXX ) to either correct or remove the account in question. It has now been approximately 33 days since the Notice of Dispute was received by REGIONS BANK. According to the Fair Credit Reporting Act pursuant to 15 USC 1681i, creditors are only allowed 30 days to investigate similar to consumer reporting agencies. Otherwise, it is a violation of that statute. I, XXXX XXXX, have also taken into account while reviewing my credit report that this account has been illegally re-aged since it's default further manipulating the statute of limitations on the debt. The date of last activity are as follows currently ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ). I will upload proof as a supporting document. This behavior constitutes fraud and is in fact a violation of the statute 18 USC 1001 when it comes to a person fabricating falsified and fraudulent information regarding another person. These behaviors as a whole constitutes violation of the Fair Credit Reporting Act pursuant to 15 USC 1681s-2 ( a ) and 15 USC 1681n for willful noncompliance. Ultimately and rightfully, I demand the deletion of this tradeline by REGIONS BANK for violations of the Fair Credit reporting Act and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a claim in progress but also wanted to report the company representing XXXX XXXX at XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting false information to the credit bureaus. The XXXX at XXXX XXXX XXXX send us a final bill for our apartment so we paid the full amount on XX/XX/2015. We received confirmation from the manger on duty to let us know that our account was closed and no further payments or requirements were required from us. However, I recently checked my credit report and I noticed that XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting on my account as a collection in the same amount of {$550.00} that we paid for. I contacted The XXXX at XXXX XXXX   XXXX to investigate the reason why I was in collections for the same about that we provided payment for. The XXXX notified us that there is nothing that they could do - that we had to resubmit the payment. I'm attaching a copy of the check dated for XX/XX/2015, bank statements, and my credit report to suppress my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted : XXXX XXXX XXXX - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS EQUIFAX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT XXXX XXXX XXXX, XXXX, AND EQUIFAX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! EQUIFAX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH XXXX XXXX XXXX, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the XXXX XXXX, XXXX Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a one time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the XXXX XXXX states that a mortgage company can not mark forbearance periods as late payments, XXXX Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to Experian with the exact above information, but Experian did not update my information even after attaching the transaction history that shows I submitted payments for those months.
Product: Debt collection

In XX/XX/XXXX, I moved from XXXX  to XXXX XXXX. I had my XXXX Account on auto-pay for the past four years. I forgot to cancel the account, and reached out to XXXX in XXXX or XX/XX/XXXX to cancel the account. I paid those four extra months and did not even request a refund, understanding that I should have called sooner. 

Once the account was cancelled, it was closed out and my auto-pay was removed. I had asked the agent for written confirmation that the account was closed, but he said he was un able to provide that. There apparently was one more bill erroneously sent to my old address in XXXX, which was then sent to collections. I never received the collections notice because it was not sent to my new address in New York. 

On XX/XX/XXXX, I noticed a delinquent status on my credit report. I could not access it online because the account was closed and I had no record of the number. I called XXXX immediately. The first THREE people I spoke to could not help me. My account was not in their " region. '' They also could not even find my account number because it was closed out. 

Finally, I spoke to XXXX XXXX Employee # XXXX XXXX. He credited the account in full {$160.00} and told me it would take 24 hours to reflect to give notice of hat happened. I was told that the account was inactive and there was " no reason to charge when account was cancelled and de-activated. '' I was also told that it was a " non-collections credit '' and he was unable to send a note or email to me since it was applied manually. It seemed to be a systems limitation. So he gave me his employee number. 

I called Contract Callers twice to resolve this. The account was removed from two of my credit bureau reports, but not XXXX. Then it showed up on an XXXX  report again. Contract Callers told me they were waiting for XXXX to verify this information. It has now been over a month and I have not been able to get this resolved. It is still on my credit report, and I am in the process of signing a commercial lease for my business, so i really need this resolved since this was done completely erroneously.
Product: Debt collection

I have contacted the collection company and asked for verification letter or contract, notified them that i do not consent and never have given consent to them, I also attempted to dispute through XXXX, XXXX, XXXX, and notified them that i filed a FTC report and have not been removed off my report. The collector RENT RECOV, XXXX  is reporting an amount of {$6300.00} on my report which has caused me to get denied for housing with other companies. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX ; reporting {$830.00} I have also asked for written letter/ validation or contract signed by me which was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX was reported onto my credit report in XX/XX/XXXX with an incorrect date of first delinquency and expired statue limitations. It was removed in XXXX due to reporting an re-aged account. Unfortunately, once again, XXXX was added back as of XX/XX/XXXX and has dunked my credit score all over again. XXXX and Equifax has violated my rights once again under FCRA XXXX XXXX ( XXXX ) ( A ) and re-aged my debt/ reported it and needs to be erased immediately from my Equifax credit report. I've disputed the XXXX funding account on all three bureaus. Unfortunately, Equifax is the only bureau who re added this re-aged illegal account. I request that equifax removes this reaged illegal account immediately from my equifax credit report. It is illegal to report re-aging debt.
Product: Money transfer, virtual currency, or money service

Hello I woke up to my account being disabled for trading on XX/XX/2019, I did not received any email, text, notification or any other form of contact letting me know my account was restricted, I spoke twice to coinbase representatives during the day, the first one hang up the phone on me when I asked to be transferred with a supervisor, the second did not transfer me either, just kept saying " a specialist '' has to review my account, then I received a case number by email ( Case # XXXX ) I'm filling this complain because of the lack of communication and poor customer service from coinbase, I have been a loyal customer for many years, I also trade a lot of money monthly, I think im not receiving the treatment I deserve as a customer, you just can not disable a customer 's account without at least sending an email with an explanation. 

I have a balance of {$270000.00} on my account which I use to trade, I trade for a living so I don't have any other form of income, that's why im trying to get this solved as soon as posible.
Product: Money transfer, virtual currency, or money service

I am an American citizen but spend a lot of time in XXXX. For the past dozen years, I have been regularly transferring monies from my Bank of America account to an account I have at XXXX XXXX in the XXXX to pay for expenses while in XXXX. This process originally involved talking to a person at B of A, and in the past two years it has switched to an online process. In XX/XX/2020 I successfully did a transfer, but in late XXXX when I attempted a transfer it was blocked by B of A with the message something like " we need to disclose fees at the receiving bank and don't have that information so we can not do the transfer. '' I called B of A and they said they have recently made this change required by Dodd-Frank ( the disclosure used to be " you may also be charged fees by the receiving bank '' which was fine with me ). The B of A person said there was some kind of international data base with such fee information and I should call XXXX XXXX to have them put their information on the data base. I called XXXX XXXX and they said they have never heard of such a data base. So I am in XXXX with no way to continue to transfer funds as I had been doing for the past dozen years. My complaint may be as much about the regulation as about B of A. This may be a case where a regulation has made things worse for consumers -- it was enough to say " there may be fees at the receiving bank and leave it at that. '' Thanks for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The The list of documented accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

DEPT OF EDXXXX XXXX : Account # XXXX Account # XXXX Account # XXXX Account XXXXXXXX XXXX XXXX : Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX Accounts : Account # XXXX XXXX XXXX : Accounts XXXXXXXX XXXX  XXXX : Accounts # XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 15 U.S.C 1681 section 605 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 section ( A ) ( 1 ) s person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an ongoing dispute with Citibank since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. Citibank had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by Citibank. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from Citibank that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

Citibank is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.
Product: Debt collection

The original creditor had my mailing address incorrect, but they did have a good contact telephone # ; I did n't realize I even owed this until I pulled my credit report. By then the debt had been sold to the collection agency. I never received a bill from the original creditor, or the collection agency. I am an XXXX so I had my wife call the agency based on the info from my credit report. They attempted to use scare tactics to get her to pay it over the phone without ever seeing a statement of any kind. I have filed complaints against both the original creditor and the collection agency, with the XXXX and still have yet to receive proof of this debt despite giving them my correct address. The XXXX response was that they would remove this debt from my credit report once paid, but I never received anything from them. I have even emailed the collection agency 's legal department and they have not responded. I would 've been happy to pay this in the beginning if I had received notification that I owed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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.
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 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.
Product: Credit reporting or other personal consumer reports

My mortgage loan belong to XXXX XXXX in 2019 the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of COVID My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three XXXX, XXXX and Equifax they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX
Product: Student loan

Reported increase in loans due to interest during former president Bidens pause on loans that then negatively impacted my credit as it showed an increase in loans as if I took out more loans. This should have been handled differently as I had no choice in the government pausing reporting. I want these negative marks on my credit report removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT ONLINE COLLECTIONS Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   Account # XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT