23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE DELETE TAs 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  debt bondage, which falls under XXXX according to XXXX-Debt 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 human trafficking of Debt Bondage 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 HESE ACCOUNS WITHIN FOUR BUSINESS DAYS!
Product: Payday loan, title loan, personal loan, or advance loan

The company responded to a previous complaint but has not answered direct questions regarding the intial loan. They are deliberately stating things without giving clarity of what has taken place in the account. They stated that the loan has been refinanced XXXX  times. This is not something the consumer chose to do but what is required by the company when you pay the renewal balance in full. They also have tampered with the date of renewal. When XXXX and XXXX got paid. They left it at XXXX still needing to be renewed instead of it being XXXX. They have this system that employees have stated called a rollback that allows you to roll your payment back for XXXX  days. The data breach was never revealed to me at all but information was gained through news articles. 

Over XXXX has been paid to this company with them having not a care in the world about outstanding fees and damage they cause to families. Ive paid for this vehicle XXXX over. Including the repossession that was done in XXXX of XXXX ( the same time they claimed I refinanced ). I paid over {$800.00} to get my vehicle back from repossession. They made me refinance the loan just to pay my balance. Each time they make you sign the paperwork they are making you refinance. You have no choice but to sign it if you want to keep your vehicle. They are using unprecedented ways to keep people in debt and begging them. This is unfair to charge fees for this loan and never discuss that none of it ever goes toward the loan. People can barely take care of their families through these types of circumstances. They never reached out before sending in their decision either.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.
Product: Checking or savings account

For over 2 months I've been trying to resolve an account issue with TD Bank. Please refer to CFPB Complaint ID XXXX - XXXX filed on XX/XX/XXXX. After this complaint ( also submited to XXXX  ) I received a response from the Bank stating that they will proceed to release my funds after I let them know in which way. On XX/XX/XXXX I contacted Mrs XXXX XXXX at XXXX after trying for almost a week leaving messages and expecting a call back. At that time I agreed with Mrs XXXX that my funds for a total of $ XXXX.- would be inmediately released in a form of a check send to my physical address and the account permanently closed. Two weeks after this call and the promise that would take " only a couple of days '' I still waiting for my money. Phone calls made to this lady and messages left haven't took me anywhere. This funds are from my Social Security direct deposit and have placed me in a situation to where some of my debts been left unpaid and charges being accrued. At this time they have kept my money for over 40 days and I expect to be compensated for this disruption against my will and good faith. My closest Branch it's about 50 miles away and since my Account still holds the status of " frozen '' I'm unable to do anything else in my power to have what belongs to me. 
Truly hope that CFPB and XXXX  will help me disburse this Bank practices and prevent future potential clients from going through this unfair and truculent procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2020 Amount : {$70.00} I was scammed out of {$70.00} via XXXX using my citibank account. I was promised goods that were not delivered. When I tried to complain with my bank they told me there was nothing I could do because according to them " I authorized the services '', I realized I had been scammed 5 mins into the transaction and immediately tried to contact them in hopes of being able to cancel the transaction but they had an extremely long wait time and no option of being able to cancel the transaction. They have all the details, persons name, phone number and bank account but still failed to investigate further, I been a long time customer and feel that they shouldnt be offering XXXX if there is no type of protection for their consumers.
Product: Debt collection

First lets start off with me disputing this account with the credit bureaus. Time after time Phoenix Financial verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Phoenix Financial. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX is reporting lates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have had the account for a very long time and have been a great customer. Unfortunately the store will be closing and my account inevitably closed. I ask as a goodwill that XXXX removes the late notations from my credit.
Product: Checking or savings account

over the last 7-10 years I have requested that if my bank account reaches a zero balance to not let any funds come out of my accounts and to return to issuer from both my Personal and Business accounts. and have not changed and have told me it was not and option on to find out later that this was all a lie and it was an easy task to make it to where I would not be charged an overdraft fee on either of my accounts... i have made over 7 cases with Wells Fargo ECMO team and Wells Fargo has canceled all accounts without providing any of the notes from my amount as requested to verify how many times I have called in concerning overdraft charges and why they still keep coming out... they sent me an amount of XXXX and offered me 50 % of that as a partial refund but never reviewed my person account ending XXXX or XXXX  I did not accept the 50 % partial refund on the one account and stated to them that any and all checks have been destroyed as not to enter into any contract or insinuation of acceptance of the partial refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX
Product: Mortgage

We have been requesting a loan modification with Select Portfolio Servicing for the last three years. Initially we had experienced reduced income and expressed our situation to SPS who advised us to default on loan to be considered for a loan modification. We worked with a third party to assist us with s loan modification ; XXXX and XXXX. We worked with XXXX and XXXX XXXX. They were unsuccessful in a loan modification and charged us for what they referred to as a security deposit which was to be refunded if a loan modification was not obtained. These individuals and companies then stopped helping us and have not returned our calls or returned our deposit. Meanwhile the arrears have continued to accumulate to an amount we ca n't afford. We have requested a loan modification with SPS directly but are being denied without detailed information as to why. We have requested the modification criteria but are not given answers. We have reason to believe SPS does not want to work out a plan to allow us to keep our home. We have received several letters stating SPS is committed to hone retention and given relationship manager as a contact, yet we 've never been able to speak with this assigned contact though we 've called several times. In addition SPS representatives have stated that the investors have ultimately declined the loan modifications. One representative also went as far as to say the loan modification would not happen for us based on " inside information '' that she could not disclose.
Product: Vehicle loan or lease

I have a valid contract for a purchase of a XXXX XXXX XXXX XXXX. I was approved for the purchase of this vehicle and they never delivered it to my home. 

The problem is they have violated 158 USC 15 1605, 1638 ( 2 ) ( A ), and 15 USC 1662. 

They claim to follow all State and Federal laws but did not explain to me in detail my rights under the Truth In Lending clauses. Not for my XXXX XXXX XXXX nor the purchase of the XXXX XXXX now XXXX XXXX. 

These statues speaks on false advertising, the all fee 's are supposed to be included in the finance charge, etc.
Product: Credit reporting or other personal consumer reports

I noticed this problem on XX/XX/XXXX Hard Inquiries : XXXX  inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Debt collection

I have disputed this debt with the credit reporting agencies. I did not sign a contract with Credit Cop solutions Inc. They are trying collect on a debt originated with XXXX XXXX XXXX XXXX XXXX I received a letter from them stating what the feel was debt validation. It including no documentation, just them giving dates to when they acquired the alleged debt. I sent them a letter via registered mail XX/XX/2022. Requesting validation documentation. Explicitly outlining my request and gave them a 30 day time frame to send the info. They in return sent me a envelope with copies of statements from the original creditor only. No proof they owned the debt. No contract from the original creditor. They even falsely stated this not time barred and they have they right to pursue this debt. 
Attached you will see the letter sent to them and what they sent in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1957 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Credit card or prepaid card

On XX/XX/2018 I started a balance transfer between a new Barclayscard and an existing XXXX XXXX credit card. In mid XXXX I got charged with a fee by XXXX XXXX for lack of payment. Once I contacted Barclays they said they send the funds. After many calls they started an investigation and told me it will take 25 business days to track the funds. Friday XX/XX/XXXX was the 25th day and no supervisor in customer service has an answer. During this time I have paid Barclays {$600.00} for monthly payment and have been charged interest and late fees by XXXX XXXX. I feel helpless because Barclays did not meet their own deadline and all I am told is to wait for a decision.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, {$100.00} was debit it from my XXXX XXXX  Debit Card from the Crypto.com exchanged. The money was taken from my checking account, but it was not credited to my XXXX wallet on Crypto.com. so I have sent a message to the Crypto.com team to inform them of this transaction. They have worked continuously for a few days to try and figure out why it did not post to my account, they was able to see that the transfer was completed, but did not post, so on XXXX XXXX, Crypto.com asked me to contact XXXX XXXX to try and get this transaction reversed and sent back to my account. Then on XXXX XX/XX/2022. My Crypto.com debit card was blocked as well as my crypto.com app to purchase and sell crypto. I had no knowledge or notification that I was going to have restricted access, this was because of the case, I have requested on XXXX XXXX. They have received notification from XXXX XXXX in regards to the XXXX XXXX situation, and now they are asking me to request a cancellation letter from XXXX XXXX XXXX XXXX, before they could unlock my account. XXXX XXXX is not aware of this procedure and they have been willing to help me retrieve my money that was taken from Crypto.com. My account as well as my Crypto.com card is still restricted. I have over 1500.00 in assets with this Crypto exchange now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO CHECK IF THEY'RE REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Credit reporting

I have requested the following company information be changed due to inaccurate information on my credit report. I have filed disputes and nothing has changed. I also sent documents proving my dispute and nothing has changed. 

I am asking, the following companies removed from my credit report due to consistent inaccurate information. XXXX closed my account after we had an agreement, which once I received a job, I would pay what I owe. We spoke on the phone a few times and after I made my payment, XXXX then closed my account. This has negatively affected my credit. XXXX XXXX made an error, which I notice now, it is negatively affecting me and would like for this to be removed from my credit report account status. I am also asking XXXX, XXXX XXXX be removed from my credit score due to inaccurate account status information. I have requested the information be changed and nothing has been done.
Product: Checking or savings account

We are new account holders. My wife and I both have login IDs. I was informed yesterday that there was a problem and I should call. I noticed that I could not access my account any longer so I called. Yesterday they told me due to suspected fraud they would close my account and open a new one. However, I was not able to access the account all day nor today. I just got off the phone with them and they said we'll send an email to our department and they will respond within 24 hours. So for 48 hours I have no access to my account. I have bills that have now gone overdue and I am irate at the lack of service for this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX when I submitted a complaint against Experian, my credit score has decreased by 102 points. 
I noticed in their summary of report that my number of late payments has increased from 1 to 2.
my years of credit history has decreased from 37 to 12 and other factors have decreased to a credit score of XXXX ( XXXX XXXX. 
This all occurred within a XXXX period in nonconformance with the normal XXXX update period. 

Since XXXX I have paid credit repair bureaus and have expended my own time to do everything possible to increase my credit score.
My current credit score is near the same or WORSE since my time and investment of six months ... all resulting from a complaint I submitted against Experian.
Product: Consumer Loan

I purchase a refrigerator from Conn 's appliances.3 days after delivery My ice maker was not working. I called Conn 's and they sent a repairman out from XXXX about 3 weeks later. The man took the ice machine apart and said he could not find anything wrong and does not know why it wont work. He did say that the blades did not fit. 
I called Conn 's the next day and they said there was nothing they could do. I told then to contact the manufactured which was XXXX and they told me they would get back to me. I had not heard from them for aproximatly 2 weeks and I called them. 
They told me that they were not going to pay XXXX to come out but they will send someone out from the same company. The same gentleman came 2 weeks later nad walked in my home and said : Ma'am, I dont know what they want me to do.! He called his boss from XXXX and the boss called XXXX. XXXX said they could send someone out but at MY cost since Conn 's would not. He said or..They could just replace the unit and be done with it. 
Conn 's refused to replace the unit or fix it. Still to this day, when I call them all they want is money and they said they will not repair or replace the almost {$3000.00} refrigerator. 
I paid XXXX {$640.00} to fix the unit. Conn 's will not credit me the the repair fee. Please help me resolve this issue as Conn 's is reporting negative on my credit.