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

The list of accounts below has violated my federally, protected, consumer rights, privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX child support XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report is it shall follow reasonable procedures to assure maximum possibility, accuracy of the information concerning the Individual about whom the report related cording to 15, USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatment of an accuracy or an unverifiable information ( A ) In generallf, after any reinvestigation Under paragraph ( 1 ) of any information disputed by a consumer and item of the information is found to be in or incomplete, or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information, found the file of the consumer, or modify the item of information, as appropriate, based off the results of the reinvestigation ; and ( ll ) 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 1681 s-2 they are supposed to be not furnished 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 ordered a computer through XXXX using Klarna. I returned the computer to XXXX and I have provided this info to XXXX three times. I provide it each time I chat with them. Klarna has yet to receive this information even though I have provided the receipt to them as well. Klarna wants to keep charging me because they are saying that XXXX still has not provided the return info to them. I have also provided Klarna with this info as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage has a XXXX late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from Shellpoint. I have been waiting over XXXX days. Under the FCRA this late payment should be deleted immediately due to lack of response.
Product: Credit reporting or other personal consumer reports

Name & Account Number XXXX - XXXX XXXX XXXX - XXXX Name Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I got a call, purportedly from my ISP, ( XXXX ) telling me there was a security issue with my Modem/computer, and that they needed remote access. As I eventually figured out, this was a scam, and they established money transfers to several individuals via my PayPal account. 

I contacted PayPal the next morning, and informed them that these transactions were fraudulent. After reviewing, they responded that the transactions were " consistent with my transaction history. Those transactions were in NO way consi8stent in amounts, and several were to foreign individuals, none of which I have even sent money to previously. 

A couple of the transactions were immediately returned, but several were not. The transactions in question are : Paid with ( XXXX XXXXXXXX XXXX XXXXXXXX ) {$150.00} Exchange rate {$150.00} USD = XXXXXXXX XXXX XXXX USD = {$0.00} XXXX Transaction ID XXXX Contact info Message XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX Fee XXXXXXXX XXXX Total XXXXXXXX XXXX  Paid with PayPal Credit {$240.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$230.00} Fee {$11.00} Total {$240.00} Paid with PayPal Credit {$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} Total {$260.00} I also contacted XXXX, that night and gave them the details of what happened as well as the phone number the call was from, my bank, who told me that it was up to PayPal, as well as the PayPal XXXX XXXX XXXXXXXX XXXX ), which changed my account information.
Product: Payday loan

I am just checking to see if this payday loan company is legal and legit. As of XXXX, I will have paid back {$850.00} on a {$400.00} loan and, if unable to pay the loan down incrementally, will have paid them {$1300.00} in interest by the time the loan is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

UNLAWFUL DEBT COLLECTION performed by Aldridge Pite LLP, NOT Aldridge Pite XXXX, which is their debt collection section/company. As far as I can read under services on XXXX XXXX XXXX website, they do not offer debt collection as far as I can read, but their XXXX company does. I therefor doubt that they even have the license to collect debt in the state of Florida. 
On XX/XX/2019 XXXX Pite send me a debt collection letter. Actually, there was 2 letters in the same package. Both letters are unlawful debt collection letters which was regarding a Prime Equity line of credit, with XXXX XXXX. This line of credit was taken out by my ex-husband, and he was the borrower, not me!!. In the letters they list me as the borrower which is more than false, a direct lie is more accurate. Also their total amount calculation in the letters, are specified different. This specification is not documented. 
I see that this is not the first time that Aldridge Pite practice unlawful debt collection, and we plan on a lawsuit, but also have other matters with this corrupt company, which I'm not ready to disclose at this moment. Both letters are attached..!

I have tried to get information from Aldridge Pite and all correspondence is attached with this complaint. Aldridge Pite DOES NOT acknowledge the fact that I AM NOT THE BORROWER. They also do not provide my requested information, and that includes Aldridge Pite not providing their debt collection license for the state of Florida.

I am sure that you will find this to be a critical case of unlawful debt collection and I am looking forward to your response. Also I am more than willing to work with CFPB supplying more information/documentation if needed. 

I hope that CFPB is a XXXX XXXX, that can assist hard working Americans who is wrongfully treated by Banks, lawyers and other " mastodons ''. I am NOT allowed to ROB A BANK, but it seems that the banks ARE ALLOWED to rob me, or at least try!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request : XXXX XX/XX/XXXX XXXXXXXX XXXX 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

HIPAA violation : I did not give authorization, verbal or written to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that authorizes the release of my PHI to them. If an electronic transfer was conducted they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also a copy of their Business Associates Agreement ( BAA ) outlining their responsibilities to the covered entity pertaining to 45 CFR 164.504 ( e ) QUALITY ASSET RECOVERY needs to provide a full accounting of the amount alleged to be owed in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points which makes ALL correspondence evidentiary AND under the penalty of perjury. 
Alleged Account XXXX*****/ does not provide a full account # Amount alleged to be owed {$1700.00} Alleged Account XXXX****/does not provide a full account # Amount alleged to be owed {$1800.00}
Product: Bank account or service

On Friday, XXXX XXXX, I overdrafted on my USAA checking account as I did n't move money over from my USAA savings account quickly enough. This of course is my error. My concern is that my USAA XXXX which is where my overdraft is linked to had the {$700.00} cash overdraft posted as of XXXX XXXX but the {$700.00} is still not deposited to the USAA checking account. When I called this morning and spoke with XXXX and XXXX, I was advised that because it was a weekend that the {$700.00} deposit would n't most to my checking account until Monday or Tuesday. I confirmed with XXXX as I suspected that interest begins billing immediately on the {$700.00} cash advance ( so as of Saturday morning ) yet I have yet to see the {$700.00} post to my checking account. I feel that this is a UDAAP violation. How can they charge interest on my credit card for {$700.00} when I do n't have the {$700.00} in my checking account yet? Seems like a control break in their process since they do n't appear to process certain transactions on weekends. This is not my issue and should not fall back on the consumer. I would like to ensure that I am not charged for interest until the {$700.00} is in my account. Which I am still waiting for as of the morning of XXXX XXXX ....
Product: Debt collection

someone got services in my name from my id being stolen and opened this account its not mine i filed a police report and filed id theft report in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX  XXXX {$350.00} XXXX   XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

From 2019 Until pls check cashing service used my idenity on loan marketing. 

My idenity has been stolen and they should Compensate me for that.
Product: Mortgage

My mortgage lender, Guaranteed Rate , Inc. made me pay for 4 months of Homeowners insurance payments in Escrow. RESPA states that the max should have been1/6 or 2 months. 

My insurance policy is only for any internal losses. The HOA insurance for my townhouse has a policy in place to pay for external damages and loss. 

In addition, I only financed 14 % of the cost of the home. 

I was also forced to pay for 12 months of insurance at time of closing besides the escrow amount. 

The lender 's closing disclosure says that they will charge me every month for my insurance policy. 

At the end of 12 months ( XX/XX/XXXX- XX/XX/XXXX ) I will have paid 28 monthly payments for this policy. They are not paying me interest for using my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date XXXX XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

Despite using XXXX for a number of years through my bank, they have failed to investigate any claims against transactions. I was informed that it was not possible to track where some of the transactions came from. This made me feel unsafe using my own bank account to transfer money to and from other people that I know and I avoided the service due to the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the 3 credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian, credit report, and I noticed some late payments posted on my credit report : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the wntten instructons or the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 USC 91681.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX  XXXX XXXX Balance XXXX : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

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

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With XXXX XXXX XXXX has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that XXXX XXXX verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Syndicated Office Systems formerly ( Central Finance Control ) is reporting a medical account on my credit report to XXXX that was discharged via Ch. XXXX in 2011. They initially reported the same account three different times. I have sent via certified mail a copy of the discharge and XXXX page but they continue to report the account. At present they are reporting the account as XXXX separate accounts to XXXX. I have repeatedly asked for them to provide proof of a valid debt and date of service to no avail. There is no valid or actionable debt as the debt has been discharged by Judges Order in the 2011 Bankruptcy. This false and fraudulent reporting is preventing me from being able to refinance my home in order to lower my present interest rate.
Product: Money transfer, virtual currency, or money service

I am filling 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations