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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX  XXXX
Product: Mortgage

XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that my nonpublic personal information was displayed on my credit report without my written instructions and consent. This information was disclosed to a third party without my authorization, which is a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).

I understand that my nonpublic personal information may have been disclosed due to an error or oversight on the creditors part, but I want to emphasize the importance of protecting my private information. I am concerned about the potential consequences of this disclosure, including identity theft and financial fraud.

I request that you take immediate action to correct this violation by removing the unauthorized information from my credit report and any other third-party disclosures. Additionally, I request that you provide me with a written explanation of how this happened and what measures you are taking to prevent it from happening again in the future.

I would appreciate a prompt response to this matter, and I hope that we can work together to resolve this issue and protect my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with documentation associated with these accounts bearing my signature, authorizing an inquiry. In absence of documentation bearing my signature I formally request that these fraudulent inquires be deleted immediately from my credit file that you maintain under my social security number. While checking my report, I noticed inquiry I didn't authorize, made by the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 left on a XXXX to an austere location in XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, there was a {$19.00} charge that was made on my American Express XXXX directly to XXXX. I do not recall this purchase and have filed a complaint with XXXX. They directed me up to the XXXX help-line after I reached out to their consumer website and stated " a direct purchase from XXXX is not possible. '' I have not heard back from XXXX 's XXXX office yet. 

Since I was XXXX, I went 60 days overdue on this {$19.00} charge. American Express paid it off after it was severely overdue. This has had an enormous effect on my credit score/report. I have worked with American Express on XXXX separate occasions. The first time I called XXXX XX/XX/XXXX ), the customer service clerk told me she would take care of it. Nothing was done. On the second attempt XXXX XX/XX/XXXX XXXX, I managed to file an official complaint with their credit bureau. They stated I should be able to see it removed XXXX XX/XX/XXXX. A few weeks after XX/XX/XXXX, I called back and they stated that it had all been resolved. They sent me a check in the mail for {$2.00}. I have not cashed that since I do not know what this is for. The check is still in my possession and the overdue {$19.00} still shows up on my credit reports. I'd like to press to have this removed. 

Under the Service Members Civil Relief Act, I should be protected from this erroneous charge since I was XXXX at that time. I had the financial means to pay off the {$19.00} but did not have the ability to do so due to my XXXX. I am filing with you since I have no been successful with American Express and have not heard back from XXXX.
Product: Student loan

AidVantage student loans taken out in my name. Not my loans and have no knowledge of them.
Product: Credit reporting or other personal consumer reports

This is my FOLLOW UP complaint that im a victim of identitytheft. Please see attached letters, with the listed items, FTC REPORT and my proof of Identity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Reference # XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance XXXX : {$540.00} XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair 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
Product: Credit reporting or other personal consumer reports

Fair Collections & Outstanding is not licensed to collect in the state of north Carolina as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in XXXX Chapter 58/Article 70 ( PDF ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove froudulent inquires from my credit report
Product: Debt collection

LVNV FUNDING LLC Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

I went to XXXX XXXX on XX/XX/XXXX to search for a HELOC. I was given leads for XXXX XXXX and for Freedom Mortgage. 

I went to the XXXX web site on XX/XX/XXXX and spent 15 minutes filling out their forms to be told they do n't do HELOCs. Annoying. 

On XX/XX/XXXX I received a call from Freedom Mortgage. I asked if they did HELOCs and they said yes. I specifically asked agent XXXX XXXX NMLS XXXX to confirm this before I gave him any information. He said yes. After wasting 15 minutes on the phone with him giving him information, he tried to talk to me about refinancing my existing mortgage, but said they do n't do HELOCs anymore. VERY MISLEADING AND UNETHICAL. 

And both lenders pinged my credit and I believe have taken it down a few points. 

I find both of these lenders to be mis-leading, especially Freedom Mortgage.
Product: Mortgage

In brief: 
(1) Dovenmuehle Mortgage, Inc. did not and does not credit my XX/XX/XXXX payment to my account.
(2) Dovenmuehle Mortgage officially started servicing the mortgage on XXXX XXXX, 2017.The payment in the amount of $XXXX was made to the previous servicing company, XXXX XXXX XXXX, c/o XXXX XXXX. It was due on XX/XX/17, paid on XX/XX/17, cleared by my bank on XX/XX/17. This payment was properly credited to my account and later verified by the XXXX. 

In more detail:
Until XX/XX/17, my mortgage was serviced by the XXXX XXXX XXXX, c/o XXXX XXXX. The servicing was transferred to Dovenmuehle Mortgage, Inc. effective XX/XX/17. I received a statement from them on XX/XX/17, before receiving any information about the loan servicing transfer, but such letters from the both companies did arrive later.

The statement listed double of the amount due as being due on XXXX XXXX (the normal monthly amount due is $XXXX). I made a normal monthly payment to Dovenmuehle Mortgage by check for my XX/XX/XXXX payment, it was received by them on XX/XX/17 and credited as my XX/XX/XXXX payment, so they still list me as being one month behind in my mortgage payments.

I have made a number of calls to Dovenmuehle Mortgage, from XX/XX/17 to this day (XX/XX/17). I have been made promises that they would investigate the matter, but no results followed, and no explanations were given. I also e-mailed confirmations of the XX/XX/XXXX payment from the XXXX website and from my bank, as requested by Dovenmuehle Mortgage, on XX/XX/17, but, once again, the matter has still not been resolved.

In particular, I was informed by the previous mortgage servicing company that they overnighted confirmation of my account information to Dovenmuehle Mortgage on XX/XX/17. Apparently, this information has not been processed or taken into the account by Dovenmuehle Mortgage. 

Moreover, according to the XXXX representative, the payoff amount given by them to Dovenmuehle Mortgage accounted for the XX/XX/XXXX payment. XXXX sent me a copy of the information. But the statements and the online account info from Dovenmuehle Mortgage have apparently been using a different (and greater) amount for their starting of servicing the loan on XX/XX/17. They use $XXXX instead of the correct amount of $XXXX. The difference corresponds to the payment that has not been credited by Dovenmuehle Mortgage.

The desired outcome of this case would be in crediting my XX/XX/XXXX payment, adjusting the principle of my mortgage, setting the next payment due date as XX/XX/XXXX (or as XX/XX/XXXX if the process is finished after I make my XX/XX/XXXX payment on XX/XX/17). 

Here is a partial list of the Dovenmuehle Mortgage representatives and supervisors that I have had talked to:
XXXX XXXX XXXX (XXXX)
XXXX (XXXX)
XXXX (XXXX)
XXXX, ext.XXXX
There were others before them, but I did not record this information during a number of my initial calls to Dovenmuehle Mortgage.
Product: Credit reporting or other personal consumer reports

XXXX Statute 501.976Actionable, unfair, or deceptive acts or practices.It is an unfair or deceptive act or practice, actionable under the XXXX Deceptive and Unfair Trade Practices Act, for a dealer to : ( 3 ) Represent the previous usage or status of a vehicle to be something that it was not, or make usage or status representations unless the dealer has correct information regarding the history of the vehicle to support the representations. ( 9 ) Obtain signatures from a customer on contracts that are not fully completed at the time the customer signs or which do not reflect accurately the negotiations and agreement between the customer and the dealer. Add to the cash price of a vehicle as defined in s. 520.02 ( 2 ) any fee or charge other than those provided in that section and in rule 69V-50.001, XXXX Administrative Code. All fees or charges permitted to be added to the cash price by rule 69V-50.001, XXXX Administrative Code, must be fully disclosed to customers in all binding contracts concerning the vehicles selling price. These particular sections explain the deceptive acts of practices from both the dealership and Flagship Credit whom cant produce every original document Ive requested for the alleged vehicle, regarding the price. How does XXXX go to XXXX And most importantly ( 10 ) Require or accept a deposit from a prospective customer prior to entering into a binding contract for the purchase and sale of a vehicle unless the customer is given a written receipt that states how long the dealer will hold the vehicle from other sale and the amount of the deposit, and clearly and conspicuously states whether and upon what conditions the deposit is refundable or nonrefundable! Now with this particular section ( 10 ) and one of many I can post that violates my consumer rights, I was provided with a copy of a receipt from the dealership from which the car was purchased and heres the catch, it has NO SIGNATURE! IT says over the phone. What in the XXXX is over the phone supposed to mean on a signature line?! How do you even validate/ verify such thing?! Also noted that if I were at the time required to put down a {$500.00}, where are yall getting a {$3500.00} deposit as noted on the contract from? The math is not mathing. 

Violation after violation. See ya in court, because clearly this matter is out of my hands.
Product: Credit reporting or other personal consumer reports

My student loan balance is has been {$0.00} since XXXX and its still reporting the full amount.
Product: Money transfer, virtual currency, or money service

I didnt authorize a XXXX transaction and td bank wasnt able to return my funds
Product: Money transfer, virtual currency, or money service

I asked Venmo to credit me for a transaction, it sent me an email saying after an investigation they found in my favor. Still being charged the fee.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. XXXX Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. XXXX Credit Bureau also violated the Privacy Act of XXXX. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also XXXX Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court. I've talked with a representative from XXXX XXXX Department multiple times, I informed the agent that my name is XXXX XXXX XXXX, and he was supposed to correct that, I also openly disputed all the items on my credit report on a recorded line, I'm pretty sure XXXX Credit Bureau has this recording and can produce it if asked, I've also provided XXXX Credit Bureau with an FTC Identity Theft Affidavit that clearly states I'm a victim of identity theft which employees of XXXX Credit Bureau simply disregarded. The following accounts are inaccurate : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1099C Form ) Under 15 U.S. Code Sec 1681e I choose to be excluded from XXXX Credit Bureau list , as well as the above creditors. I reserve all rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX XXXX, I had the car for 7 months before the car was wrecked my contract stated that because I paid a damage waiver fee that I was no longer responsible for the lease or the damage. XXXX XXXX XXXX reported this car to my credit as an open on time car loan after the car was wrecked to keep me from being able to get a loan through another company I asked several time just for proof that I didn't owe on this car to be able to get approved for another loan they refused to help me in anyway the only option they game me was to lease another car from them because no one else would give me one now I'm stuck paying for a car I hate and can't afford.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I received my XX/XX/XXXX statement and they decreased my credit limit by {$1000.00}. I called and spoke to credit XXXX she said you have HIGH BALANCE and it is reason they decrease my credit limit. 

They did similar action on XX/XX/XXXX and XX/XX/XXXX, my initial credit limit was {$12000.00} in XXXX when opened credit card account. But they going to decrease, decrease again and again cause my credit score and Utilization Ratio effect this is discriminatory credit actions. Because no other credit card company did before even I opened new credit cards in last year.
Product: Credit reporting or other personal consumer reports

All credit cards reported on my credit report I never applied for any of them they were all fraud and also a personal loan which I never applied for Ive ask transunion to take if off my report and they never did I never made any of those accounts the only account that should be on my credit report is XXXX XXXX
Product: Student loan

I am the victim of a fraudulent XXXX XXXX XXXX from XXXX XXXX XXXX. An account was open on XX/XX/2017 and listed my name as a co-borrower and the amount owed currently is in the amount of {$40000.00}. I filed a police report and filed a complaint with Ed Financial the servicing company of the account. 

There has been no resolution to date.
Product: Credit card

Best Buy owes me a total of {$4200.00}. Ive been trying to get my refund since XXXX and have not had any help from the representatives. They claim they sent a refund to my checking account, when in fact they actually withdrew the money. They requested copies of my bank statements as proof that I did not receive the funds. I have provided to them but they still wont issue my refund.