23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to address and prevent 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 under the electric fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
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 consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make my consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Product: Checking or savings account

My bank account was frozen by venmo for no lawful reason i Submitted all the documents they ask for Done everything theyve I asked they will not. Let me speak to anyone that can tell me the reason that my bank was frozen Done everything theyve I asked they will not let me speak to anyone that can tell me the reason that my bank was frozen or why my money is being withheld for me. They can not give me a time frame of reason, and bull manner wishes will be handled. They can not Done everything theyve I asked they will not let me speak to anyone that can tell me the reason that my bank was frozen or why my money is being withheld for me. They can not give me a time frame of reason, and bull manner wishes will be handled. They refuse to give me the number to the corporate office. They refuse to give me an email address or phone number and anyone I just speak to. They can give me such an information. It was frozen with XX/XX/XXXX. I I have been trying to getthe information since XXXX XXXX  XX/XX/XXXX an they keep given me the run around
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my credit score. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had accident and was in hospital and later XXXX. PayPal. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX account XX/XX/XXXX, account number 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Disputing collection accounts on my credit report from XXXX did dispute a year ago received notification it is mine asked for roof of investigation namely what was done to investigate and also what process was used. I received no follow up response the items still remain on my bureau and they are affecting me and my score They are also reporting me as deceased when I am not I have been fighting with them to get that removed and updated as well as my personal bio
Product: Mortgage

I am behind about XXXX months of my mortgage. I was repaying it back as much as I could possibly can each month. XXXX month SNSC decided that that wasn't good enough ( even though I have been paying my mortgage amount plus some extra each month to make up for it ). They gave me XXXX months to pay {$200.00} extra on top of my mortgage then we could reevaluate. Now with all the late fees they have been adding on, we are at about XXXX months behind, even with my extra payments. I brought them a resonable payment plan that had that past due paid in XXXX months and they keep rejecting me. Telling me that's not enough. I understand they want the full amount but I can't give what I don't have. I literally am trying to repay them as quick as possible but they are not even attempting to work with me. They locked me out of my online account so I can't even pay anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of account below has violated my federally portected consumer right to privacy and confidential under 15 USC 1681 section 602. XXXX XXXX XXXX XXXX XXXX XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 1.5 USC1681 section 602 states i have rights to privacy. 1.5 USC 1681 section 602 its also states no conumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681-2 [ [ a ] a person shall not furnish any information relating to a cousmer to a consumer reporting agency if the person knows or reasonable cause to believe that the informtion is inaccurata.
Product: Credit reporting or other personal consumer reports

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to. 
take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

calls constantly leaving voicemails about concerns with my address. they have my address yet send me no communication through mail, I am on the do not call reg but they wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 


My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX SSN : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error. 
I will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX As a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX XXXX liability because Ive been violated. 
Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX XXXX XXXX
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. XXXX XXXX WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS INCARSERATED IN PRISON AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER INCARSERATED AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP XXXXM TRYIN TO START A NEW LIFE AND BEING A FELON ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards XXXX XXXX
Product: Debt collection

Hi SENSIBLE AUTO LENDING ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( XXXX ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

US Bank Home Mortgage in XXXX Minnesota is reporting a 60 day late payment for XX/XX/2023. The payment was due XX/XX/2023 and was paid XX/XX/2023. It was 28 days late. I have documentation from my U.S. Bank online portal account verifying this fact. I have called them about this matter and have received extremely rude customer service and being told they have a non communicating credit department. Advised me to dispute it with the credit bureaus. I done this dispute thing 3 times with XXXX WITH my documentation proving I was not late 60 days. I really dont know what XXXX can do considering US Bank has a non communicating credit department. Therefore, I got NOWHERE with disputing this. Even though I am right about this, I even wrote a Goodwill letter and mailed it to US Bank asking them to fix this. This got me NOWHERE. I live off Social Security XXXX. I am XXXX. I have applied for several different home equity loans and cash out refis to make home modifications to better accommodate my XXXX. I keep getting denied time and time again. No lender will touch me with this 60 day late on my report. So I have to struggle with a XXXX needlessly because US Bank is holding me hostage. They know if they fix their error, Ill refi with another bank and they will be out of XXXX XXXX XXXX  of dollars in interest. Isnt this basically XXXX discrimination?
Product: Checking or savings account

I was stopped while working and asked to verify my identity to continue working. The man said his name was XXXX and worked for XXXX and gave me a badge number. He said they were having problems with premium XXXX  having relatives work for them and it was a contract violation. He told me to stop the delivery I was on and verify myself. He paid me thru the payroll app a cancellation fee for cancellation of my delivery he then canceled the delivery. He had personal information about me and my working statistics. He asked me for a code that I received via email. He then would not let me work until I provided this code to him. He was using the pause your XXXX  function through the XXXX  app. He paused my XXXX  XXXX separate times preventing me from XXXX. I thought I had to give him the code to keep working and he said he needed it to pay me another fee. After I gave him the code he changed the phone number in my XXXX direct account and issued a virtual card to himself and spent {$1300.00} in funds. I immediately tried to stop this by changing the phone number back to my own number and the guy had hacked my email address stopping me from receiving emails until I kicked all users off my session and then I received all the emails I was not getting. Those emails were the second step of authentication for me to change the phone number back. When I was able to get XXXX support on the line they secured my account and reissued me a card to stop the account from being used again fraudulently. They said I had to dispute every charge and submit it to them and it would take 60 days I have waited and to no avail. They were trying to secure a one time payment from pay fare back in XXXX and I was then told to wait for pay fare to call me back. I havent heard a thing from pay fare about this matter. This all happened XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX, XXXX XXXX XXXX to report a fraudulent account number XXXX using my last name which I have them no authorization to use my last name to create a fictitious account number to a record that is sealed from general public, Docket number XXXX, not XXXX XXXX or whatever, and it is permanently sealed from third parties, third parties that includes the CRA 's, I know my rights, and they are constantly being violated by Experian, and this creditor, numerous attempts have been made personally with the unlawful detainer law firm to quit reporting, and performing outside of it's legal capacity, but they feel they are above the law, so that is when the credit bureau Experian is supposed to delete the inaccurate information from XXXX XXXX XXXX XXXX, it states clearly in bold letters on Experian 's emails sent to me after disputing, ( stating Experian will delete the item if it is proven to be inaccurate even if the creditor disagrees ) well I've proven on more than XXXX seperate occasions the information is inaccurate, but Experian goes against their policy and state ( We are not obligated to investigate this dispute again ) which is a load of XXXX., because I will dispute XXXX XXXX XXXX XXXX on the XXXX of XX/XX/2023, and they will throw it in the garbage the next day closing out my dispute the morning of the XXXX of XX/XX/2023 without even investigating. That is a violation of the FCRA, and it is a violation of my right to privacy, and right to fair, and accurate credit reporting. The CFPB needs to do something about this, because it states clearly on the CFPB Webpage that the ( CFPB are in the process of investigating CRA 's reporting sealed public records, public records and other information they have no business reporting ). No matter how many times Experian listens to the creditor because they care more about getting cashed out by their client to report inaccuracues, rather than reporting fair and accurate information, and that I have a serious problem with. This is my credit, my life, and I should not be receiving adverse letters of denial of credit from companies that pull from.my Experian report, and find inaccurate information being reported negatively about me, all because of Experian 's Greed for money, I am urging, and begging the CFPB to sue this company. If they are going to continue to report inaccuracies, and have me denied loans, then Experian can cash me out directly
Product: Credit reporting or other personal consumer reports

The company reported that the account was closed XX/XX/XXXX The company stated that the account has been charged off years ago and still shows a balance. According to consumer law all information must be accurate. The company has caused me to have financial and emotional distress.