23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Blockfi is still sending me communication regarding their fraudulent bankruptcy case, and asking me to make payments to them despite all the previous attempts I have made to get them to stop. I have been extensively harassed as a result of Blockfi 's criminal actions and suffered damages FAR in excess of what they claim in the bankruptcy. I will not accept anything from Blockfi 's fraudulent and coercive bankruptcy, and I will be sueing them as part of a much larger lawsuit in the future. They are currently conspiring to committing securities fraud as the intent of the bankruptcy plan.
Product: Credit reporting or other personal consumer reports

I have ask them to show me all information on NCB Management XXXX I have never had a account with XXXX company and do not know who they are. This is being reported illegally. On XX/XX/year> I 'am asking for all information under the FCRA 611. can you please investigate this case. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX XXXX : - XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

On XX/XX/XXXX, a foreclosure action was filed against our property. See attached LIS PENDENS. Under Florida Statute 673.3081 ( 1 ), a homeowner has the right to challenge any signatures on the promissory note. Under the same statute, all documents filed or attached to the foreclosure complaint are presumed to be authentic while the burden of proof falls on the defendant. On XX/XX/XXXX, A Qualified Written Request under RESPA was sent to XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc. The company failed to acknowledge receipt of the document within the statutory time set forth under RESPA Law. Pursuant to 12 C.F.R. 1024.36, the company are required to acknowledge the request within 5 business days. See proof attached that it was faxed to the company and received. Before sending the Qualified Written request, we contacted the company and communicated the reason for the Qualified Written request, the company responded by providing the HR department fax number and stated that HR would be the responding to the RESPA request. As of the day of this complaint the company has remain silent to our request and failed to abide by RESPA Law. We have every right to question the authenticity of the signature reflected on the promissory note. The note contained an allonge naming XXXX XXXX. We ask that company the following question : 1. ) Is XXXX XXXX an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? 2. ) Has XXXX XXXX even been employed by XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? If so when did it ended? 3. ) Can you provide any proof that XXXX XXXX was an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? Under the above Florida Statute we have every right to have these set of questions answer.
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 U.S.C 1681 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Stares I have the right to privacy 15 U.S.C 1681 Section 604 A Sction 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 consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 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. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$22000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please confirm this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I successfully sent a money transfer in the amount of {$600.00} online using MoneyGram to a family member in XXXX That family member went to an authorized MoneyGram cash pick up servicer and was advised that there was an issue and the money could not be picked up. I contacted MoneyGram and was advised by Customer Service as well as the Escalation department that " the receiver has exceeded their limit for the area ''. When I asked what that meant, I was told that " MoneyGram must abide by all regulations, local, state and government and our system is showing that the receiver has exceeded their limit for the area ''. I continued to ask the Customer Service representative what regulation are they abiding by and where could I find this information and the Customer Service representative could not provide any additional information. I asked to speak to a manager and was transferred to the Escalation Department where I was given the same information but they still could not advise what regulation they were abiding by that referenced a person receiving funds had exceeded a limit or even what the limit was. I would just like to know what regulation MoneyGram is required to enforce regarding a person receiving funds so that I can be best informed when sending funds. How can MoneyGram state they are abiding by a regulation and not provide the regulation they are abiding by? The end result was that they cancelled the transaction and advised my funds would be returned within 3-10 business days.
Product: Debt collection

I had closed my account with XXXX XXXX XXXX when I moved and the remainder of that balance was sent to the old address. I was not aware of that bill until it was sent to collections where I received a call from CBE Group in regards to that debt. I paid it in full, and now that I am trying to repair my credit, I called both CBE Group and XXXX XXXX XXXX to ask for a removal on my credit since it was completely paid off but both parties said no. I was told I could then file my claim.
Product: Mortgage

I inherited my mother 's house in XXXX. She had a reverse mortgage and I was trying to work with Novad and HUD to save it from foreclosure. A lot has happened since then. I am XXXX and was in the XXXX  for a while. During this time I was communicating on and off with Novad about what would happen, but they were hard to get ahold of. 
I thought they were going to work with me to let me stay in the home but in XX/XX/XXXX I got a notice that a foreclosure sale was scheduled for XX/XX/XXXX. I needed more time to figure out what to do and if there was a chance I could save the house. A legal aid attorney told me that I could request a COVID-19 extension to the foreclosure deadline. She told me to call Novad, explain that I was an heir to the property, and ask for the extension. In XX/XX/XXXX I tried calling Novad many times. I could never get through. I would have to leave my number and wait for a callback. I finally got a callback on XX/XX/XXXX but all the representative would say was that I had to pay over {$480000.00} to stop the sale. I tried calling Novad again and again couldn't get through and had to wait for a callback. 
On XX/XX/XXXX I called the HUD XXXX XXXX XXXX with my lawyer but they told us there was nothing they could do and I had to wait for the callback from Novad before I could escalate my urgent request. 
On XX/XX/XXXX I finally talked to Novad XXXX XXXX XXXX, who told me there was nothing she could do and she couldn't give me an extension. My lawyer also tried to call and email XXXX and other contacts at Novad and HUD, including the XXXX and XXXX email addresses. Her correspondence is attached. She could not reach anyone by phone and when she finally got an email response from Novad, it again refused the extension request. 
HUD XXXX XXXX XXXX says that borrowers and their heirs with HECMs in a Due and Payable status may request an automatic extension while the COVID national emergency is ongoing, with the extension lasting until XX/XX/XXXX. As a confirmed successor in interest, I am considered to be acting in the shoes of the borrower. See Regulation X 12 CFR 1024.30 ( d ). Also, CFPB guidance says " As an eligible non-borrowing spouse or heir, you may ask for an extension. '' See https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/protections-for-reverse-mortgage-borrowers Novad denied my and my lawyer 's requests for a COVID extension at every turn, in violation of this guidance. In fact they seemed to not know about this guidance at all. I ended up filing for bankruptcy because I was so stressed about the foreclosure sale and having to move out of my house right away.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX  Balance {$XXXX} Open Date XX/XX/XXXX XXXX  Balance {$XXXX} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit card

On XXXX XXXX, 2016, I applied and was approved for ( at a later date ) a Chase XXXX MileagePlus Explorer credit card. The terms of this offer included XXXX XXXX miles for spending {$2000.00} within the first 3 months of account opening. On XXXX XXXX, I noticed through a Chase portal that I was actually targeted for an offer that included XXXX miles for spending {$3000.00} within the first three months of account opening. That same day, I sent Chase a secure message requesting, as a courtesy, that they match they match me to the better offer that I was also targeted for. On XXXX XXXX, I received a response, including the following text : " We are happy to match the new bonus offer. Please reply to this email when you have spent {$3000.00} in the first three months your account is open so we can manually add the additional XXXX bonus miles to your account. '' Note that they required that I spend {$3000.00} to receive the extra XXXX miles, {$1000.00} more than my original offer required. 

On XXXX XXXX, I messaged Chase that I had fulfilled the extra {$1000.00} that they required to earn an extra XXXX XXXX miles. I received a response including the following : " Please accept our apology for the incorrect information you received in our previous response to you dated XXXX XXXX, 2016. 

Since you have opened an XXXX card with different terms and conditions prior to receiving the XXXX mile bonus offer, we regret that we are unable to match that offer to your current account. '' After several messages back and forth, Chase Bank refused to honor their offer of XXXX XXXX miles, the terms of which I had already fulfilled. My position is that it is unacceptable to impose additional requirements on a consumer for an additional benefit, and then refuse to provide that benefit when the consumer fulfills the requirements of the offer.
Product: Credit card

Between XX/XX/XXXX and XXXX 2025, I used the Capital One Offers where I will be elgible for Capital One miles if I use Capital One 's affiliate link to make a trial or a purchase with the associated merchant. I made purchases or made a trial with the following - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These offers have terms such as " To earn the rebate you must make an eligible purchase at fXXXX. To earn the rebate, you must be a Capital One cardholder or bank account holder, and logged in to your account on capitalone.com or the Capital One XXXXXXXX XXXX XXXX' I use their affiliate link for all but only received the promised terms for the following : - XXXX I recived a partial payment but not the full amount that was promised for the following : - XXXX My miles were once deposited into my account but eventually clawed back for the following : - XXXX XXXX  Finally, I did not even receive anything and was not tracked even though I made purchases or went for a trial with the following : - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did exactly what the terms stated which were to make a purchase on the merchant 's websites, sign up for a trial, or go for a consultation and did not ending up receiving the majoroty of the payout promised.
Product: Student loan

I am currently a XXXX year old XXXX student at XXXX University. I have my XXXX, and have been working in my field, while trying to obtain a full-time position. I work full-time hours, but only bring in about {$1400.00} a month. Unfortunately, I took out private loans with NJClass at the very young, uneducated ( in terms of loans ), and naive age of XXXX, without realizing the situation I would eventually be in. NJClass is asking me to pay {$1600.00} a month, which is impossible for me. I have called XXXX of times to try and work out some sort of payment plan, but they refuse to work with me. My parents are cosigners, but my dad was laid off last year, and they are already struggling to make ends meet without my loans being a factor. I am not asking for my loans to be forgiven. I am not asking to pay very little. All I 'm asking is for NJClass to lower my monthly repayment to a price that is livable for me until I get a full-time job.
Product: Debt collection

I disputed the account with XXXX on XX/XX/2022. The debt collector did not notify me through any form of communication of this alleged debt, nor do I receive the right to dispute the account.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a {$100.00} Visa gift card for my grand-daughter. I gave it to her on graduation night XX/XX/XXXX. On XX/XX/XXXX, she called and told me she had spoken with Visa when she tried to register the card and found the money was spent. According to Visa it was spent on XX/XX/XXXX. She didn't even have possession of the card then. She found someone had registered it and transferred it to their XX/XX/XXXX account without the pin number. I called Visa XX/XX/XXXX.Visa told me it was probably stolen online. Told to fax front and back of card, my ID, Copy of receipt from store. Because it had been 7 weeks since purchase, I no longer has the original receipt. The said no problem, get copy from XXXX/XXXX. I faxed info first time on XX/XX/XXXX. Called XX/XX/XXXX. Told it takes 10 days to get in computer, call back in a few days. Called again XX/XX/XXXX. Fax not found. Found out I had not faxed all the info needed. Needed case number listed on each page, needed to put on cover sheet proof of ownership and change owner to my name and address. Re-faxed XX/XX/XXXX. Called XX/XX/XXXX no fax in computer. Called XX/XX/XXXX told it was denied because they wouldn't accept copy of receipt from store. What!! This is a major chain. The last 4 of my Debit card is on it, my fresh value customer number is on it, been mine for 24 years, first 10 numbers of gift card on it. I don't know what else they want. they said copy of receipt from store not good enough. It has been 4 months of calls and faxes. I'm done fighting with them and need some help to resolve this. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I paid twice to receive my credit score from TransUnion. It clearly states that I can check my score for 30 days and that is not true. The customer service representative I first spoke to dropped my call, the second left me on hold for an extended period, and the third did the same. They also have conflicting reasons for my score being at the level they claim it is.
Product: Credit reporting or other personal consumer reports

I just checked my credit report, and to my frustration, I found an unauthorized inquiry that I have no knowledge of. I even refreshed my browser, thinking it might be an error, but it was still there. This is highly upsetting, and I need my submitted documents to be carefully examined immediately to ensure this issue is fully resolved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, PA XXXX