23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was tricked into using a fake trading platforms, and I lost over {$600000.00} using this fake platform. 

I need help, I went to Crypto.com and then moved some money to this fake trading platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I REFINANCED MY CAR FROM XXXX TO XXXX. MAILED PAYOFF CHECK ( {$10000.00} ) TO XXXX  VIA US PRIORITY MAIL EXP TRACKING, WHICH WAS DELIVERED, LEFT W/INDIVIDUAL XXXX @ XXXX. I FILED XXXX XXXX ON XXXX TO PAY OFF ALL DELINQUENT GOV DEBTS. ON OR AROUND THAT TIME XXXX SUBMITTED A PROOF OF CLAIM ON THE CAR. XXXX CASHED THE PAYOFF CHECK AND MAILED THE CAR TITLE TO XXXX ON XXXX BUT NEVER FILED TO AMEND THEIR PROOF OF CLAIM FOR PAYMENT WITH THE COURTS. AS OF XXXX I WAS STILL TRYING TO HAVE XXXX AMEND THEIR POC. I HAVE SINCE BEEN NOTIFIED BY MY XXXX ATTORNEY THAT AN AMENDMENT HAS BEEN FILED ON XXXX 'S BEHALF BUT NOT BEFORE I FILED AN OFFICIAL BBB COMPLAINT. MEANWHILE I HAVE BEEN DISPUTING MY TRANSUNION CREDIT REPORT SINCE XXXX. I HAVE SUBMITTED EVERY DOCUMENT POSSIBLE TO HAVE THE INFO THEY ARE REPORTING CORRECTED. THIS ACCOUNT IS NOT NOR HAS BEEN APART OF MY XXXX. MY LAST DISPUTE WAS IN XXXX AT WHICH TIME I UPLOADED A DOC FROM XXXX STATING THAT THE ACCOUNT WAS PIF ( IT EVEN HAD A REF # ). YET THE DISPUTED INFO NEVER CHANGED, ITS AS IF TRANSUNION NEVER EVER INVESTIGATED ANYTHING. PLEASE, THIS ACCOUNT SHOULD NEVER HAD BEEN MARKED AS BEING IN XXXX OR APART OF A DEBT REPAYMENT PLAN AS IT WAS PIF AND TITLE MAILED TO APPROPRIATE PARTY IN XXXX. THE PROOF OF CLAIM ON THIS ACCOUNT SHOULD HAVE BEEN AMENDED IMMEDIATELY AFTER RECEIVING AND CASHING THE PAYOFF CHECK FROM XXXX XXXX AGAIN IN XXXX. I JUST NEED TRANSUNION TO AT THE VERY LEAST INVESTIGATE MY DISPUTE AND NOT JUST DISCARD IT BECAUSE FOR THE LAST 4 OR 5 MONTHS IVE BEEN FILING A DISPUTE FOR THE SAME EXACT THING. XXXX ADVISED THEY ARE NOT RESPONSIBLE FOR THE WORDING THAT TRANSUNION REPORTS, REALLY. TRANSUNION ADVISED THEY NOT RESPOSIBLE FOR THE WORDING REGARDING MY COAF REMARKS, REALLY. 
BELOW IS THE LAST DOC THAT I UPLOADED TO TRANSUNION IN XXXX WITH MY DISPUTE, WHEN I CALLED THEM XXXX, THE DISPUTE RESULTS WERE THE SAME AND I WAS ADVISED THAT THE DOC WAS NOT VALID. OBVIOUSLY THERE WAS NO INVESTIGATION DONE. XXXX, PLEASE HELP.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. Therefore, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standardsFor any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerisave Mortgage Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX and XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES by the same company ran ON XX/XX/XXXX and XX/XX/2020. These are impacting my credit and am unable to obtain needed credit.. 

XXXX**I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Product: Credit card

I am being charged to over the allowed apr rate per the Louisiana scra act
Product: Debt collection

Gamache & Myers has a judgement placed against me for the amount of {$14000.00} Missouri case no XXXX and offered a settlement of {$6000.00}. They told me with payment of this settlement I could obtain a satisfaction letter from the courts within 30 days but most of the time it goes out sooner. They are now refusing to send a satisfaction letter within this time frame to either myself or the courts. I have requested from them 4 times a letter of satisfaction or to just tell me when they are sending it to the courts and they refuse to give me a date when this letter of satisfaction will go out and the only thing they will tell me is that the process will start after 30 days. This was clearly not the original information they gave me. If i am not in possession of the settlement letter by XX/XX/2017 then I will be unable to close on my mortgage that is set for a closing date of XX/XX/2017. I have contacted my local court and they informed me that a satisfaction letter should be sent out immediately by them once our funds have cleared. Each time I call Gamache & Myers they are rude and tell me they can not understand why I have called 4 times asking the same question. I have attached a copy of the settlement letter along with copies of the cleared check that was paid to them on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company XXXX XXXX. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. XXXX XXXX is disclosing my non public personal information to the Credit Reporting Agencies Experian XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX XXXX, XXXX, or Experian. 

I am aware that XXXX, Experian and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.
Product: Credit reporting

I tried to get XXXX service, after they came to try and install nothing was working and we were told we needed someone to come out to do additional wiring. The day they were supposed to come nobody came so I called and was told someone would come the next week but they did n't show up either. Then I called back and was told I have to wait till the Spring for ground work or something. I called again and they finally got someone to come out. The technician came and said I can not have XXXX service because the signal was too weak in my condo unit. I was told either I have a new wire run ( more holes drilled into building ) or I use their legacy service. Well my landlord will not allow any more holes so I decided to stay with XXXX and not XXXX and closed my account. They told me my bill would be adjusted once I returned the boxes and remotes. I returned the equipment and was still billed for internet and cable TV service. I 've called 5 times to have the bill adjusted and I went IN PERSON to the XXXX office. I even got the name of an employee who said to follow up with him in email. He replied and said he was still trying and has not since returned ANY of my messages. The bill is in collections and the collection agency wo n't drop the bill unless XXXX tells them to. {$770.00} and it 's lowered my score quite a bit since it 's not very old. I need this removed ASAP what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX 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.
Product: Mortgage

Back in 2011, I tried to get my mortgage modified. Wells Fargo deliberately kept losing the paperwork. I know that I submitted over 5 plus times or more the same documents. Their employees were instructed to play the games of refusing paperwork by stating we don't have it. The foreclosed property happened anyway due their lack of direct communication, constantly losing paperwork. My work hours were reduced tremendously causing the mortgage payments to fall behind and my wife became ill with XXXX XXXX trying to fix things. I truly regret having Wells Fargo as our mortgage company during XXXX timeframe. We didn't get the help or a affordable reduced payment. My family and I including my XXXX mother in law was forced to vacate the premises which led to filing bankruptcy. It is with sadness we lost our beautiful home not only due to hardship but no communication accuracy. Well Fargo changed employees like clockwork, reason why everything was chaotic. " Every other day, every week the same thing we don't have it, paperwork they requested. '' It was always promptly sent every way we could, fax, email, usps.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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

On XX/XX/2021, I requested the Credit Bureaus to verify the debt of XXXX XXXX I have not received any updates of any of my requests. I also contacted XXXX XXXX directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX XXXX I have not initiated any transaction with XXXXXXXX XXXX XXXXXXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXXXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit card or prepaid card

Citi Bank continues to just make up their own choice of actions/responses as they go along. 
Referencing the CFPB complaint # XXXX-XXXX Citi Bank did not resolve the initial issue and still, to this day, refuses to close the account ( card ending in XXXX ) despite written request arriving at the required address VIA chat transcript and within the CFPB complaint filing. 
BUT! 
Reference CFPB complaint # XXXX-XXXX  and Citi Bank ( with no notice or reply to complaint ) closes this account ( card ending in XXXX ) How is this possible?
Product: Mortgage

XX/XX/XXXX- NewRez paid my property taxes even though I did not have an XXXX account with them. Unfortunately I had already paid my taxes with the state and this left a significant balance due. I contacted NewRez and it took them months to get us a resolution. While they were looking for a resolution, I had to turn off my auto-pay because the payment I would have had to make was almost double my mortgage payment. This was a mistake on their end and I had to endure an immense amount of aggravation to get it resolved. I was told they would look into it and call me back. 

XX/XX/XXXX - No call back received, spent an hour on the phone trying to get to a human. Finally got to someone that said they would look into it. I made a payment over the phone for my normal mortgage amount because the online system would not allow me to pay what I owed, but rather an inflated number. 

This continued through XX/XX/XXXX- With calls twice a month from me to them to get updates. Everytime I called it was like starting over. I received checks from NewRez that I shouldn't have and it was all super confusing. It was near impossible to make sense of it all. I believe it was the XXXX statement that looked inflated again. I had thought I made the call to make the normal payment, but within all the mess I forgot and it looked like I missed a mortgage payment in either XXXX or XXXX. Never in my life prior to this had I missed a mortgage payment on any of my homes. As soon as I realized what happened, I immediately called and made the payment. 

XX/XX/XXXX- NewRez hits my credit with a missed mortgage payment and drops it over 100 points. I called NewRez asking for forgiveness due to the situation. I was told to send an email. Emails were sent and I finally got a letter in the mail that effectively told me to kick rocks and that there was nothing they could do. I called again but the representatives would not transfer me to the appropriate person or department. I finally gave-up and decided to deal with it. That is until I learned about your organization.
Product: Debt collection

There are several accounts on my credit report that seem to have been added improperly without my knowledge. Please block and delete these fraudulent items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : XXXX  Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are inaccurate and have caused significant harm to my creditworthiness. I previously disputed these errors in a letter sent to TransUnion on XX/XX/XXXX, which is attached to this complaint and includes a date and time stamp. Despite this, TransUnion has failed to conduct a proper investigation or provide accurate results. 

This failure aligns with the recent CFPB and FTC actions against TransUnion for illegal practices related to credit reporting. According to the CFPB, TransUnion has a history of failing to ensure the accuracy of information on consumer reports, resulting in harm to consumers. 

Under 15 U.S. Code 1681i, TransUnion is obligated to thoroughly investigate disputed information and ensure its accuracy. Their failure to do so in this case violates the Fair Credit Reporting Act ( FCRA ) and has caused financial harm and emotional distress. 

I have attached the dispute letter, along with documentation supporting my claim, including account details and evidence of inaccuracies. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. Additionally, I request written confirmation of these updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I feel like this would give me trouble in my futures credit deals, As such I would like this matter to be taken care of.
Product: Debt collection

Im not liable for this debt with XXXX XXXX, I do not have a contract with PRINCE PARKER AND ASSOCIATES. They did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX