23daVinci/CFPB_Complaints huggingface dataset:
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 advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Tek Collect Inc furnished a collection on my consumer report. Where did this collection come from??

TEK COLLECT INC, YOU ARE BREAKING THE LAW.

See exhibit attached, the notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, which took effect XX/XX/2021, You TEK COLLECT INC, have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission, nor will I ever give you or any debt collector permission, to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my personal information. You actions result in AGGRAVATED IDENTITY THEFT 18 USC 1028A. Knowingly and wilfully 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.
Product: Credit card

I submitted a dispute per their process for a defective item, but the credit card company ignored the information sent in about it being defective and instead requested a credit slip from the merchant when I already tried to exchange with merchant and the merchant stopped communicating with me. I responded to the initial denial of the dispute with the information requested of the complete description of my original claim and that the merchant would not do anything and the reason for my dispute was because the merchant would not fix the the situation with the defective item. Please see attached the letter I sent to Citi Card with all attachments showing communication with the merchant, the defective product, and the Citi response letters and the merchant response letter. Citi Card closed the investigation and left me with a defective product and the merchant with the {$200.00} plus 5.5 % tax ( {$210.00} ).
Product: Checking or savings account

Citibank {$400.00} bank bonus : Opened account on XX/XX/2018 with {$15000.00} into savings. 
Moved {$1500.00} on the same day to meet requirements Left the money untouched for 3 months as required by the bonus until the date of XX/XX/2018. 
Left {$10000.00} there since then to not get charged a fee. 

Bonus should've posted at the latest XX/XX/2018 but some people through chat has communicated that it should've posted by XX/XX/2018. 

On XX/XX/2018 was charged a fee because my accounts were not linked so I didn't meet according to them the {$10000.00} between both accounts. That was corrected. 

I've spoken through them multiple times through chat and phone ( has transcripts of chat from XX/XX/2018 and XX/XX/2018 ) They've stated every time I met the requirements but the bonus doesn't post and they're not doing anything about it. 

On XX/XX/2018 they opened an investigation which was going to take 7 days, I just spoke to them, they said they're not done with the investigation.
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. 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 and Regulation E. These actions have caused a significant inconvenience and loss ; therefore, i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

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

To whom ever it may concern, I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX - XXXX XX/XX/XXXX, Equifax Mortgage XXXX XXXX XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX Miscellaneous- XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that you remove the fraudulent Accounts and information I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that you should remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent
Product: Mortgage

Late payments were reported during modification and forbearance plan just asking to have them corrected as this has never happened before as we had done this one other time, but theyre stating that after Covid then now they have to report regardless of the circumstance.
Product: Credit card

In XXXX 2015, I purchased a small welding machine online through Paypal. I remember typing in personal information including my last name, email, address, social, and credit card info. A few weeks later the tool I bought was delivered to my house. XX/XX/XXXX, I received an statement from Paypal Credit through my email stating that I owed money to them for this tool. At this point I have never even heard of Paypal Credit, and I was sure I already paid for this tool. 

Immediately, I pulled up all of my past credit card statements looking for the transaction I was sure I made back in XX/XX/XXXX with Paypal. I found nothing. To my surprise I came to the conclusion that my credit card was never charged back in XX/XX/XXXX. Next, I decided to call up Paypal customer service to straighten out this situation. I learned that I was somehow signed up for Paypal Credit which was a complete mistake. I was deceived and tricked into signing up for this service. I would never sign up for Paypal Credit. At the time I was certain I was signing up for a new Paypal account to buy this tool. 

On XXXX/XXXX/15, I sent PayPal Credit a check for the price of the tool which was {$250.00}, I refused to pay {$140.00} they claimed I owed in late fees and interest charges. 

I do not buy anything on credit, I pay off my statements monthly. I have sent XXXX separate letters to their headquarters, and my wife, daughter, and I have made several phone calls to them. They give us the 'run-around ' every single time and now my fees are up to {$220.00}. Please help me.
Product: Credit card or prepaid card

I lost my debit card and charges of XXXX from a XXXX in XXXX were made on my card on XX/XX/2023. I know with certainty I did not make these charges as the day the transaction was made I was at work in XXXX XXXX XXXX, leaving for work at XXXX, then going straight to the XXXX XXXX at XXXX. I did not arrive home until XXXX. Furthermore, I drive a XXXX and there is absolutely no way or reason in which I would ever spend my money on gas, especially in the city of XXXX when I work in XXXX XXXX. I am frustrated and disappointed with my bank and would like a resolution for these fraudulent payments.
Product: Debt collection

XX/XX/XXXX {$500.00} Bank Of America Secured Credit Card Limit {$400.00} XXXX XXXX The account was open XX/XX/XXXX, I closed the account in XXXX I asked the bank to please take my balance of {$400.00}. as I closed it. 
The bank manager at the time agreed as I could not exceed the credit limit I was given. 
I was not notified, and or given the opportunity to rectify this.
Product: Credit reporting

XXXX XXXX District XXXX Identification number XXXX judgement XXXX Address identification number XXXX They are stating that I owe then {$11000.00} on my credit report. I only owered {$1700.00} which ahs been paid. This wa from 2010. This has stopped me from buying a house because they have entered the number WRONG. I have tried for 5 years to get it right with XXXX.The other XXXX credit reporting agencies have deleted it. PLEASE HELP. HAVE it all removed today. 
Their address is XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

Good afternoon, My name is XXXX XXXX. My husband, XXXX XXXX and I submitted a mortgage refinance application via Amerisave.com on XX/XX/2020. We were promised a rate of 2.25 % by originator, XXXX XXXX although we knew additional information and paperwork would need to be collected in order to lock in that rate. Our original Closing Date was estimated as XX/XX/2020. We have signed numerous lock agreements, extending the 2.25 % promised since early XXXX. Given our credit scores range from 790 to 850 and we have over 40 % equity in our home, which is a primary residence, I am very confused as to why this process is taking so long. XXXX XXXX was assigned as our processor in XXXX. Since that time communication with both XXXX and XXXX has been spotty. Sometimes they reply quickly to let us know that they were " just pulling up our file '' and will give us a call shortly which rarely results in a call. I have spoken with XXXX once in the past month where he said that he looked at our file and nothing looks out of place that would cause a delay, yet, here we sit, 105 days after our original application. I have asked repeatedly for this situation to be escalated. XXXX and XXXX have told me that they have both escalated with their managers but won't give me contact information on their managers so that I can reach out directly. My fear now is that this company isn't even valid and what if I sent a lot of very sensitive information to them with which they could do damaging things to my husband and I. I work for a Bank and am shocked that I am actually filing a complaint with the CFPB but I am truly at my wit 's end and am also very concerned. 
Application # XXXX Thanks! 
XXXX and XXXX XXXX
Product: Checking or savings account

I have been a customer of Navy Federal Credit Union ( NFCU ) since about XX/XX/2021. I have had minimal issues until XX/XX/2021 at which time a representative thought I was a female attempting to access my own account and I had to prove my identity. On XX/XX/2021, I attempted to purchase food at a restaurant and was unable to as my debit card and NFCU issued credit card were both declined. I assumed there may have been a fraud alert that placed a hold on my account. I attempted to login to see if it could be resolved via the app and it could not. I spoke to a representative regarding the issue and she stated the notes said that the account was opened fraudulently and they will be closed. I was unsure of what would have caused this, so I asked to speak to someone regarding this and I was advised to call back at between XXXX and XXXX ET. I called back on XX/XX/2021 and spoke to 'XXXX ' in the 'Security Operations ' department. She stated that the accounts were put in a permanent restricted status due to the fact that the accounts were opened by means of Identity Theft. This is not the case as I am a victim of identity theft, so much so that my Social Security Number was cancelled and reissued in XX/XX/2021 as a result of identity theft. I had explained this around XX/XX/2021 to the representatives. I believe there is no logical reasoning behind the closure of the accounts, Further I was advised that they may hold the active funds in the Checking, Saving, and Security for the Secured Credit Card up to 2 years which seems illegal. I have exhausted all attempts to resolve this.
Product: Credit reporting

Please investigate FRAUD by credit reporting bureaus. I ran my XXXX bureau credit with Equifax ; my banker ran my credit with their XXXX bureau credit system on the same day. The systems are not reporting the same information to the consumer that is reported to the banks. For mine, there is a huge difference between the scores yet XXXX reports are based on the same information. The bank 's scores are MUCH lower which will affect my mortgage rate. Please investigate and respond to me to learn why the consumer-facing systems do not match bank-facing systems. Are the XXXX bureau credit check committing fraud with consumers? Attaching XXXX reports summarized as : Bank 's Equifax XXXX ... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report
Product: Mortgage

Refinanced my home on XX/XX/XXXX. AmeriHome Mortgage bought the loan within a month of the refi. The closing document ( XXXX XXXX XXXX XXXX Form XXXX XX/XX/XXXX Modified ) stated that our first payment was due on XX/XX/XXXX. I paid them according to the closing documents. They maintain that I owe them for XXXX XXXX. This is not true and I called XXXX XXXX XXXX company to confirm this fact. They stated the Form XXXX is a legal binding document and since AmeriHome bought the loan they are legally responsible for adhering to its terms. In spite of me conveying this fact to them AmeriHome keeps sending me letters saying my loan is in default, I owe late fees, etc. even after I called at least 5 times talking to their customer service personnel, which they directed to do, and faxed them the closing document stating the first payment start date is XX/XX/XXXX. Their customer service personnel went as far as to acknowledge the fact that they received the document faxed and also already had the document in their files. Yet, they keep sending me these letters of default and to seek financial counseling and delinquent notices. After talking to their customer service reps I get letters of this type in the mail. It just doesn't make any sense. This frustrating, harassing and I want it to stop. My loan is current with them and I don't know what else they want. They seem to be very disorganized. Please help!
Product: Mortgage

Upon exiting forbearance, I applied for the Homeowners Relief Fund and received an escrow payment from the state of Florida. However, I have recently been informed that my payment projection for this year includes over {$4000.00} in escrow fees that I apparently owe. I attempted to address this issue in XXXX of last year by contacting the responsible party, but have yet to receive a response as of today, XX/XX/2023. Unfortunately, I am currently unable to make a payment of {$1700.00} due to the fact that the funds from the state of Florida were applied incorrectly. As a result, I have spent numerous hours attempting to resolve this matter, but every time I manage to speak with someone, I am placed on hold and the call eventually drops. It is unacceptable that I have had to invest so much time in resolving an issue that was caused by their mistake. I am seeking assistance in resolving this matter and reclaiming the time and effort that I have lost due to this situation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain about a situation that has arisen with XXXX creditors, involving what I believe to be a violation of my privacy rights and consent regarding the reporting of late payments on my account. My account details are as follows : Exeter Finance, XXXX XXXX XXXX, and XXXX reported late payments on my account to all XXXX credit bureaus. I believe this action was taken without proper notification and in violation of my privacy rights for the following reasons : Reporting late payments violates my privacy and without my consent. I have signed any documentation permitting them to report any late payments. These reports have been shown to companies that have been granted permission to review my credit report. 

I respectfully request that the CFPB investigate this matter to determine whether Exeter Finance, XXXX XXXX XXXX  and XXXX have indeed violated privacy and consent regulations as I believe. Furthermore, I ask for guidance on how to rectify this situation to ensure that my financial information is handled appropriately and in accordance with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me if you require further information or additional documentation regarding this complaint.
Product: Credit reporting or other personal consumer reports

Me and XXXX XXXX were divorced in 2001, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over XXXX  years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since 2001. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXXXXXX XXXX, solely.
Product: Debt collection

I have no knowledge of this account being open when I asked for proof of the day all they sent me it was the last statement they were only able to send me how the account was opened who open the account when the account was open where the account was opened there also and Incorrectly reporting to my credit report the date that they purchased the account. What I asked for proof all theyve sent me again is one statement that means absolutely nothing to me did not open this account Im asking for it to be removed from my credit The counters also several years old and being reported as a new account