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

On XX/XX/2017, First Advantage sent a report via US MAIL containing a copy of the consumer background screening. The background screening was requested by a potential employer in which I applied and the annual salary for the employer less than XXXX. The background screening contained information that placed First Advantage in direct violation of the Texas Business & Commerce Code Sec. 20.05. http : //www.statutes.legis.state.tx.us/XXXX The Texas State Law states that consumer reporting agencies can not report information predating seven years of the report date. This report sent to me violated this code. I reached out to the company and filed a dispute. I have received no resolution as of yet. I have attached a copy of the Texas State code containing information regarding consumer reports. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; or ( 5 ) another item or event that predates the consumer report by more than seven years.

( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more.
Product: Debt collection

I only found out that I have collections after me by checking my credit report. 
I was never contacted by the creditor, nor the collections bureau about the amounts owed. I have received nothing in the mail and no one has attempted to call. Being fully unaware that I owed the creditor a balance, I do not think it is fair to have had this passed on to a collections bureau as it is making a great impact on my credit.
Product: Student loan

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer Financial Protection Bureau , Subject : Urgent Request for Assistance with Ongoing Hardship Caused by MOHELA and the Department of Education I am reaching out to you as a last resort, seeking urgent intervention in a situation that has placed me under unbearable financial strain. For years, I have been paying on a federal student loan serviced by MOHELA, yet my balance today is almost identical to what it was when I graduated in XX/XX/XXXX. Despite paying nearly {$24000.00} toward this loan, I am trapped in an endless cycle that I simply can not break. 
The impact of this unyielding debt is overwhelming. With retirement approaching, I am facing the stark reality that I may never be free of this financial burden. I have followed MOHELA 's set payment amounts for over a decade, never missing a payment, even through a bankruptcy that was no fault of my own. I have done everything within my power to meet my obligations, yet I am seeing no progress. This debt is now threatening my peace of mind, my health, and my ability to support myself as I near the later stages of my career. 

As a United States XXXX XXXX Veteran, XXXX XXXX XXXX XXXX, I have always honored my commitments and approached my responsibilities with seriousness and integrity. In return, I am asking for transparency and fairness. Yet despite reaching out to MOHELA repeatedly, I have received no meaningful responses, only form letters and disregard. My attempts to escalate this matter through the U.S. Department of Education and their Ombudsman have also gone unanswered, leaving me isolated and burdened with a debt I can not manage. 

I am desperately seeking the CFPBs assistance to hold MOHELA and the Department of Education accountable for the prolonged hardship they have imposed on me. I ask for a thorough review of my loan history and an accurate recalculation of interest charges to provide clarity on why my balance remains so high. I need to understand how a debt I have been paying down consistently for over a decade can remain so unyielding, and why my concerns have been ignored by those who are supposed to oversee fair and transparent lending practices. 

The ongoing financial burden is something I can not continue to carry alone, and I hope that the CFPB can help me achieve a fair resolution before this debt claims what little financial stability and peace of mind I have left. I appreciate your attention to this matter, and I hope you understand the urgency and profound impact this issue has on my life. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. 
Status : Inaccurate account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

1 ). On XX/XX/2018, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/2018, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by U.S. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX XXXX, opened on XX/XX/2018, with a balance of {$2100.00}.

3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : T XXXX XXXX # XXXX XXXX Account name : Original Creditor # XXXX Account name : 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.

15 U.S. Code 1666 - Correction of billing errors A creditor may not treat a payment on a credit card account under an open end consumer card plan as late for any purpose.
Product: Credit card or prepaid card

I applied for a Citi AAdvantage MileUp card and was approved. I tried to use my card and the transaction was declined. I called and I was told they couldn't verify me on the phone and had to send me a letter at my home. I wait for the letter and received it on XX/XX/2022. I called the number, provide the code on the letter and I was told the account is good to go. I try to make another purchase today on XX/XX/2022 and the account is blocked again. I called in and I was asked for the previous letter. I explained I called on XX/XX/2022 and my account was unlocked. I spoke with XXXX in Executive Response Unit and I was told she could not help. I was hung up on and I had to call again. I asked for my account to be closed because this is ridiculous and I was told she couldn't do that either. So now I'm trying to speak with somebody to get this block lifted. I've had this card for a month and I haven't been able to use it. Citi has me stuck in a cycle of purchase something, card declined, call in, told I have to wait for a letter, call when I receive the letter, account unblocked, try to charge something, same process. So in essence Citi did a hard pull on my credit, gave me a credit card, and is not allowing me to use it. I'm contacting the XXXX  Attorney and my congresswoman because this is ridiculous.
Product: Mortgage

wells fargo tells me to work with foreclosure which i did with XXXX XXXX who was Helpfull but WELLS FARGO IS THE WORST MORTAGE CO from what i hear by person and XXXX etc, THANKS FOR ALL YOUR HELP XXXX Bless You
Product: Debt collection

XXXX XXXX XXXX says for 2 years I owe them {$300.00}. I have paid my actual usage, plus 2 mos.  Of double payments of {$60.00} when I had a minor issues with outside hose pipe minimal use. I have asked them multiple times to correct. They send it late or not at all, sometimes without my name or acct hidden in watermark. I have been blocked by the fa consumer division. For the record of predatory harrassment and unsolicited debt collection illegal practice and accounting.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information 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
Product: Debt collection

ID THEFT DISCOVER ACCOUNT NEEDS TO BE REMOVED. SSN XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase at XXXX 's XXXX on XX/XX/2023. I used Affirm which is a buy now pay later installment loan service. The item was delivered on XX/XX/2023. We immediately noticed something wrong with the chair. We tried to get a refund from the store and they did not want to do that so we filed a dispute with Affirm to not have to pay the loan on a damaged/defective item. Then the customer service manager of XXXX 's called us and agreed to a full refund and to pick up the item. The item was picked up from my home on XX/XX/2023. A full refund was processed to Affirm, the original form of payment on XX/XX/2023. Affirm still says I owe the loan, they closed the dispute and they will not give me a refund. I have spoken to their customer service many times. I have uploaded to their portal and emailed to customer service the receipts from XXXX 's proving the item was picked up and refunded. Affirm said their decision is final. They can not charge people for items that were returned. It is a lot of money {$2100.00} and now they are charging accrued interest and saying I have a balance of {$2.00}, XXXX. Affirm is claiming I need to get the refund from the store. The store is saying they gave me a receipt and to deal with Affirm. I am stuck in the middle. Unfortunately after some deep interest searching Affirm is known for this and holding up refunds for many consumers. I think an investigation into their practices is necessary to protect people.
Product: Debt collection

I do not know who ERC is. They have attempted to damage my reputation as a creditor and consumer by providing false and invalid information on my consumer report to coerce me into paying something they have not validated. I do not have a relationship with this company. I have sent them a cease and desist and ask them to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am complaining about my mortgage not showing on my husbands and my credit report with XXXX credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to Newrez LLC dba Shellpoint Mortgage Servicing on XXXX XXXX XXXX 
I emailed and called Newrez on XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called XXXX on XX/XX/XXXX at XXXXXXXX XXXX using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Bank account or service

I deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being.
Product: Debt collection

Spring Oaks Capital , LLC appeared on my credit report and is attempting to collect {$740.00} originally from XXXX XXXX. 

After thorough investigation, this account was opened fraudulently. Spring Oaks Capital is unable to provide any evidence other than statements.
Product: Checking or savings account

XX/XX/XXXX - XXXX {$300.00} & {$250.00} XXXX XXXX XXXX XXXX XXXX {$83.00} & again for {$280.00}. So i have been having issues with accounts getting hacked into XXXX XXXX and about XXXX other ones so I believe they somehow got back into my account and stole my information again after I made a purchase online, I blocked the transactions over text message which clearly did nothing and has happened in the past as well. I contacted bank support to let them know of the issue and they told me they would forward it to the dispute team which then denied my claim even though I had blocked the transactions and I did not authorize them they still denied my claim they're asking me to provide receipts or invoices when I was not the one who made them and to contact the merchants which I have XXXX of figuring out who they are. I could rebuttal the dispute but they will just deny it again due to the fact that i don't have any other info other than someone stole my information and that I blocked them which they should be able to see I blocked them in the first place but they wont do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a company saying i owe for medical bills. the information equifax gives as the phone number and address and both closed. i have sent certified mail and tried to show proof of this but getting no where. also to try to log on now the give me a questionnaire of things i have never had such as student loan and car loans in a period of time i had tax liens and never applied for any credit. so their information is also false and when answer none to the questions i wont let me access anymore.
Product: Money transfer, virtual currency, or money service

Im writing because several times money would get stolen or taken out of my cash app and was not replaced or given back. Its happened several of times these past 2 years on cash app. It wont let me talk to support or nothing. It shut me down a couple times. I would say it took over XXXX $ from me in all. How could I get my money back. How do we talk to XXXX  XXXX. Its done allot the past XXXX to me
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX  and I'm going to explain my problem. I worked in XXXX XXXX, NJ last summer and this summer too. My bank was PNC. This year was my last year participating in the programm. So I went to PNC to ask them if i can send the money to my bank account in XXXX and close the bank account the same day. They said no, that I need to send the money 3 days before closing the bank account because they can't do it if there is a pending operation. So I went to the bank and sent the money ( XX/XX/XXXX ), I received a document stating that the money was sent and that I will be receiving it within 2 weeks. After 3 days, I went to the bank and asked if everything was in order with the wire transfer and they said yes, so I closed the account because I'm not going back ( XX/XX/XXXX ). The very next day I flew back to XXXX. Fast forward to today ( almost 2 months later ), I still don't have my money. They called me and told me there was an issue and that they don't work with the bank I was trying to send the money to. So I gave them a new bank account in XXXX to send it to but they refuse to do it because of their policy. They say that the only thing they can do is send me a check to my last address ( it is in the XXXX and I live in XXXX ). I tried explaining that my bank doesn't work with checks but they don't care. So I basically lost all the money I worked for in the XXXX. Please I need help
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX