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

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$800.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$37000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$23000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$27000.00}, XXXX XXXX  XXXX ( Date Opened XXXX. XXXX, XXXX, Balance : {$8300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$29000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9900.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

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 has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I settled this account on XX/XX/2019. The debt was never reported correctly. My wife and I continue to receive harassing phone calls threatening litigation against us.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a dispute with Equifax ( Confirmation # XXXX ) regarding my date of birth being incorrect on my consumer report. Equifax, without permission or under any legal grounds changed my XXXX from XX/XX/XXXX to XX/XX/XXXX. I have provided Equifax a government issued state driver 's license which shows my current address and XXXX. Equifax is refusing to correct this error, despite being provided with supporting documentation. This inaccurate information is prohibiting me from obtaining needed financing.
Product: Mortgage

I revived a letter from XXXX Dovermule mortgage about a payment increase. I was told that it is a protective increase. My taxes did go up or my insurance did not go up. I was told that they have not received anything from the state or my home insurance company about any rate going. Why is payment going up. XXXX all so received over XXXX and XXXX payments from me over XXXX. I received a mortgage statement that say XXXX XXXX XXXX I have to pay XXXX. For the projective increase. Can they do that the money sites in there bank acount. And my taxes mite up. Or do the lenders know some. Every one should know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whoever at Experian is reading this, please read carefully. XXXX XXXX XXXX XXXX does not read nor address. I am hoping Experian will start reading. 
XXXX XXXX XXXX XXXX ( XXXX ) & Experian should stop playing childish games and focus for a time to get the following addressed. XXXX attached response is incorrect as follows : XXXX ) The attached letter reflects XXXX did not have permissible permission to access my credit report in XXXX XXXX and offered to remove inquiry from XXXX years ago. 
XXXX ) This is STUPID because XXXX is aware that an inquiry is not on a credit report XXXX years later but I am sure there is some low paid or illiterate employee that laughed by sending the attached letter. 
XXXX ) XXXX references in attached letter that inquiry was XX/XX/2017 when attached permissible permission is dated XX/XX/2017. 
XXXX ) XXXX and Experian did not have permission to release my information on XX/XX/2017 but received a forged app the next day. 

This is absolute proof that my credit report was pulled prior to any permission. I have always contested that the XXXX loan was fraudulent. But when I say fraudulent, XXXX then requires more of my personal information when they hadnt any right to have my information in the first place!!! And I refused and chose to protect my information from XXXX companies that are totally unorganized. I have sent sheriffs reports, information of the thief who is in the attached application, etc etc etc but Experian and XXXX are to unorganized, illiterate, or playing too many games to conduct professional business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. Experian is reporting inaccurate information on my credit report and it has had adverse affect on my XXXXredit score. According to, 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option from XXXX XXXX which is reporting this information to Experian. Acct # XXXX reported on from XX/XX/2017 thru XX/XX/2017, therefore this is a direct violation of this law and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and my Proof of Address.
Product: Debt collection

Penn Credit, woman calling said her name was " XXXX ''. 
The number has called my office phone 4-5 times daily, often after XXXX for the past 6 months. 
They asked for a name that has never worked at the company. Then asked for another random name after stammering at my questioning for the abusive calls. 

When further pressed for information about the calls " XXXX '' claimed she was a friend and needed to discuss personal matters. 

I said, you know its illegal to collect a debt at someone's place of business as well as repeated calls. She insisted it was just a personal matter she had to discuss. 

These people are egregious liars with countless complaints about their tactics online. 

Put an end these filthy useless scumbags. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent an apartment today XX/XX/2020 and when they ran my credit, I was told that I was not eligible to rent an apartment because there was an account and several inquiries reflecting badly on my credit history. I had no idea what they were talking about but when I looked through my credit report I saw an account from a company called XXXX that I never opened. I don't know why this account is appearing on my credit report since it is not mine and I never allowed anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account. I do not have any written/verbal contract with that company and I never gave them permission to run or access my credit information. I have already filed a police report regarding these unauthorized account.
Product: Debt collection

The Bureaus is reporting that I owe a debt to the Credit Bureaus. I have reached out to the Bureaus on several occasions and continue to be lead down a rabbit hole with no live person to discuss and resolve my concerns. Upon calling the Bureaus there is no one that answering the phones and I have repeatedly called over several weeks. I finally emailed and received a response. In the email i was informed that " XXXX XXXX XXXX '' was handling my file on behalf of The Bureaus and was advised to call a number provided to me by the representative. 

After calling the number several times. I ran into the same situation as phoning the Bureaus, there is no live person to talk to, a machine continuously picks up messages are not returned. Also, after inputting the requested information according to the prompts, I received a message that there was no information that could be found at this time and to phone back at a later date. 

I have paid and settled all past accounts with XXXX XXXX and am requesting that The Bureaus immediately delete and cease reporting to the Credit Bureaus. There is no accountability from this agency to pick up the phones or return calls to discuss concerns. 

Account # XXXX
Product: Student loan

My student loan debt when I completed XXXX  school in XXXX was {$54000.00}. Today, it is {$44000.00}. I have made over XXXX payments since XXXX yet my debt is only $ XXXX less. There were 3 months where it was at collections in that time, but I resolved it. 
How is it possible it is only XXXX less? Also, the loan servicer only had from XXXX. When I asked to get my history going back to XXXX they said they can't access that as they have no history. I then contacted Nelnet, who I was able to find, had my loans from XXXX. They said they could not find my payments prior to XX/XX/XXXX because the servicer prior had gone out of business. I continued to dig, and found XXXX XXXX XXXX  who provided me with a print out of XXXX. That was all they had. We have a lapse now from XXXX. 
These are payments I have made to the federal government for my degree in XXXX XXXX, giving back to society. Payments that they can't seem to track since they switch servicers so often. A loan that after 22 years of payments is only XXXX less. Something is not right.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding their handling of disputed accounts from XXXXXXXX XXXX and XXXX XXXX on my credit report. Despite my repeated efforts to resolve these inaccuracies, Experian has failed to provide adequate verification and continues to report these accounts as accurate. 

Detailed Description of the Issue : XXXX XXXX XXXX XXXX Action Taken : I submitted a dispute to Experian stating that the XXXX XXXX  account on my credit report does not belong to me and contains fraudulent charges. I requested a detailed method of verification, including specific details such as who, what, where, when, and how the information was verified. 
Experian 's Response : Experian responded by stating the account was verified as accurate without providing any detailed verification process or evidence of the original account application. 

I followed up with Experian, reiterating my request for detailed verification and evidence, but received no further substantive response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, as it was not mine, and included fraudulent activity. I asked for detailed verification and evidence proving that I opened the account. 
Experian 's Response : Experian also verified this account as accurate without providing the requested detailed method of verification or any evidence. 
I followed up with Experian again requesting the necessary information to verify the legitimacy of the account, but received no satisfactory response. 

Actions Taken : Initial Disputes : I submitted detailed disputes to Experian regarding both accounts, providing all necessary information and supporting documentation. 
Follow-Up Communications : After Experian 's inadequate responses, I followed up with additional letters requesting specific details on the verification methods used. 
No Adequate Response : Despite my efforts, Experian has not provided the required detailed verification or evidence to substantiate the accuracy of these accounts. 

Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and provide a detailed method of verification for the disputed accounts from XXXX XXXX XXXX XXXX XXXXXXXX. The continued reporting of these accounts as accurate is causing significant harm to my credit profile and financial well-being. I request that the CFPB intervene to ensure that Experian provides the required verification details or deletes these accounts from my credit report.
Product: Vehicle loan or lease

Hi On XX/XX/2021. I faxed HSBC for a Lien Release on 2 of my vehicles. Which I have attached the titles of. I still have not received and email or call about these vehicles. I then again sent a fax a few days later. Still nothing. I then called a local branch of HSBC. And was told that was the correct way to request a lien release or to email XXXX. So I did that. Still nothing. I am in the processes of selling our business and need these lien releases yesterday!!! Please Help! 
Sincerely. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Bitstamp regarding significant issues with accessing my account and unacceptable delays in their customer service response. This has caused me considerable financial hardship as I am unable to access my funds. 

On XX/XX/year>, I initiated a request to change the email address associated with my account. This was necessary because I no longer use XXXX products and can not access the XXXX email address linked to my Bitstamp account. 

Following Bitstamp 's instructions, I provided all requested documentation, including a photo of myself with my identification and a handwritten note stating " For Bitstamp Only, '' clearly dated. Despite this, I have encountered repeated obstacles and delays. 

Here is a timeline of the events : XX/XX/XXXX : Submitted email change request with required documentation. 
XX/XX/XXXX : Instructed to schedule a video verification call. The earliest available appointment was XX/XX/XXXX. 
XX/XX/XXXX : Scheduled video call canceled due to technical difficulties on Bitstamp 's end. 
XX/XX/XXXX : After a four-day delay, I completed the video verification call with Bitstamp representative XXXX XXXX and answered all questions truthfully. It was revealed that my account was suspended because the new email address I provided was linked to other Bitstamp accounts. I explained that these accounts were created in XXXX and were inactive. 
XX/XX/XXXX ( cont. ) : XXXX XXXX assured me my case was escalated and a support ticket was opened. I was told to expect a decision within one week. 
XX/XX/XXXX : After multiple unsuccessful attempts to obtain an update, I spoke with Bitstamp representative XXXX, who promised to further escalate the case. 
XX/XX/XXXX : It has been nearly three weeks since my video verification, and I still have no access to my funds.
Product: Credit card or prepaid card

This is not a duplicate complaint technically seeing is that Cashapp has responded and had these complaints closed without addressing the issue typed and it seems this Consumer Department is helping them do so. So here is the complaint for the company to address. 
I was harmed on both XXXX  andXXXX XXXX XXXX  in Wisconsin because my financial institution Cashapp who operates out of XXXX XXXX, CA let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX  paired with a XXXX XXXX in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my XXXX would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the day. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH XXXX XXXX XXXXXXXX information in this link is, to me, quintessential to understanding where I am coming from. This department can not close this claim without Cashapp properly addressing this matter and going further with nothing other than them remedying the situation.
Product: Debt collection

Upon reviewing my credit report, I discovered this unauthorized collection that i do not recognize. I contacted the credit bureaus to dispute this collection and requested their removal. Unfortunately, the credit bureaus refused to remove them off of my report. This issue is causing undue stress and is negatively affecting my financial standing.