23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 a account without my written instructions
Product: Debt collection

XX/XX/XXXX XXXX XXXX based out of XXXX OH. Repeatedly calling people associated with my SIL. Including my parents!
Product: Mortgage

In XXXX I was closing on our home through Homebridge financial. There was an issue I couldnt get resolved through their proper channels so I submitted a complaint. Complaint number XXXX was closed on XX/XX/XXXX by Homebridge with the response that they would give {$1000.00} in monetary relief. As of XX/XX/XXXX I have yet to receive the check. After many phone calls to Homebridge they have stated that they are not aware of any money they owe and are not aware of the complaint made.
Product: Credit reporting or other personal consumer reports

This account Does not belong on my credit report and or status should be updated. under my rights as a consumer under the FCRA. 

Account XXXX XXXX XXXX XXXX
Product: Student loan

I am working towards PSLF. Several of my federal loans ( loans XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not received credit for eligible payments I made during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these four months my loans were in active repayment ; my loans were NOT in forbearance/deferment ; my then monthly payment was {XXXX} based on my income ; my employment has been certified for those four months. 

Those four months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are counted as eligible payments for my following federal loans : XXXX XXXX XXXX XXXX. It is accurate and correct that these four months should be listed as a PSLF eligible payment for all of my loans. It is incorrect for only loans XXXX XXXX XXXX, and XXXX to receive eligible payment credit for these four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease was opened XX/XX/XXXX with BMW FINANCIAL SERVICES. The loan amount is {$60000.00}. I contacted bmw in XXXX to inform the company of the Fraud. I submitted a dispute with All 3 major credit bureaus and bmw. The item was deemed as fraud and removed. Then 2 years later XXXX ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the bmw account was added back to my credit report. IVE CONTACTED BMW Numerous times about this account and its still on my credit report and is destroying my credit. 

THIS IS FRAUD AND SHOULD BE REMOVED FROM MY XXXX CREDIT REPORT I PROVIDE ALL THE REQUIRED DOCUMENTS TO XXXX. Police reports, fraud applications, my drivers license, proof of residence etc. 
please remove the bmw account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITO
RS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt remove
d ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have an email requesting that payments be stopped due to a job loss the email from The owner was very unprofessional and it was stated no money would be removed from my account but my card started to be ran for smaller amounts less than loan amount until account was forced to be in the negative I also automated calls with a demand for payment or they would send previously signed checks to the bank
Product: Debt collection

First, I have confirmed several times that the debtor, XXXX XXXX does not show a debt owed for an outstanding bill of {$250.00}. Nor do they show an account currently in collections for me. However, XXXX XXXX has told me on at least XXXX occasions that they would open a case and escalate it, contact Credit Collection Services and have the account closed, then call me back to confirm within 1 to 3 weeks and I never hear back from them. 

Originally, I made payments toward the account in collections in the amount of {$250.00}, thinking I actually owed this bill ( I have receipts showing the payments made ). But after repeated threats and calls from Credit Collection Services, I contacted my health insurance plan, as I knew that lab work was covered lab work at 100 %, raising concern over the accuracy of said bill. My health insurance plan confirmed that the claim in question was paid in full at 100 % and the amount I owed was {$0.00}. The health insurance representative then sent me an explanation of benefits confirming this. 

I sent proof of payments made ( receipts ), the explanation of benefits provided by my health insurance plan showing the claim was paid at 100 % to Credit Collection Services via email. Then after no response, I uploaded through their website ( proof provided ) and after STILL NO response, I sent a debt verification demand letter via certified mail ( I can provide a copy of the letter and proof of date received ). Credit Collection Services has never responded to any of my correspondence. 

This collections account has been reported to my credit and is substantially impacting my credit score. While I DO NOT owe this debt, its worth noting that Credit Collection Services has never adjusted the balance in collections reported on my credit to reflect the payments that were made prior to finding that the claim was paid 100 % by my health insurance. I should be reimbursed for the payments made towards the incorrect balance due. 

Credit Collection Services refuses to remove this debt that I DO NOT OWE ( rather, refuses to acknowledge me, my proof, OR MY RIGHTS ), and every time I call, they just say they will look into it and call me back, and never do. Each time theyve failed to call me back, Ive called them to follow up, and Im yet again told I will be called back. Im getting nowhere!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.
Product: Money transfer, virtual currency, or money service

I found a puppy for sale online. 
I asked them lots of questions including name and contact info. 
I spoke to the person on the phone, exchanged many emails detailing the contract. 
A contract was signed and we agreed to send the individual {$700.00}. 

We sent the individual the payment in full through XXXX directly from the Chase Mobile app. The individual confirmed that they got the payment and even followed up with asking for us to pay for a " COVID Crate '' for the puppy to travel in on the flight. I then googled this COVID Crate and found that this is a common scam. I asked for a refund and called the person who then denied to give us a refund and admitted that it was a scam. 

When I reached out to XXXX, I was directed to go through Chase to dispute the transaction. 
When reached out to Chase I was told that this type of transaction is not protected and that I the only thing that could be done is ask for a " Courtesy Refund '' which basically requests a payment reversal through XXXX, but the scammer has no obligation to accept. 

It was unbelievable to me that a company ( XXXX ) who uses banks to track these transactions are not willing to track down and persecute known fraud or even offer any assistance to me. This should be defined more clearly through the XXXX app and warnings should be issued when sending money to a new contact - instead the money was transferred instantly and is now gone forever.
Product: Credit reporting

I found a {$35.00} collection record in my credit report from XXXX back in XXXX 2014. I never received any notices or phone call from them. After a conversation with them, they said the only way to get it out of my credit report is to pay it off. I did pay it off as requested and just found out today that they still have it in my record. I attached a letter from them for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care about this matter. I demand that you will remove all the inaccurate informations on my credit file that are unknown to me. Failure to comply will results in legal actions against you so kindly follow the law. Please remove the following items XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$31.00} XXXX XXXX XXXX Balance : {$230.00XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to an adequate customer service an unfair practices, which violates 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 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

As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you
Product: Checking or savings account

I have been a member of America First Credit Union for 25 years and was notified they will automatically be charging me {$6.00} a month for my checking account. If I would like to continue the free account I already have I am required to call and opt into a free account?!?
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Product: Mortgage

Dear honorable Cfpb good morning as much as possible I dont want to used my excuses that Im a XXXX XXXX home owners due to my passed XXXX XXXX XXXX with XXXX XXXX XXXX XXXX to my XXXX, Ive been with TRIAD FINANANCIAL since XX/XX/XXXX and never been late my payment, I changed my XXXX XXXX XXXX checking account last XX/XX/XXXX and have a new checking on line I always do an on line payment through this mortgage, last XX/XX/XXXX I enter my on line payment in XXXX XXXX XXXX  to my checking and it went through, I left the country last XX/XX/XXXX, when I came back last XX/XX/XXXX, I received a letter saying Im late in my mortgages, and what questioned me is if theres is a problem to my payment they should call me because Im still here in America, I spoke to the supervisor XXXX XXXX XXXX XXXX XXXX and he is very rude and discriminated me, because Im XXXX he told me called an attorney and hang up on me what I told him is if I could not pay the delay fee and its {$1500.00} and he never give me chance to talk and told me to hire a lawyer because he will report me to credit bureauw threaten me And my XXXX XXXX XXXX XXXX because I had a XXXX where I got it from my travel I hope that he will be investigated he threatens me like an animals and never late in my payment I recorded my conversation with him
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a card with Capital One for a while and they are misreporting delinquincy on my Capital One Card and Walmart Card. I have tried to dispute it and they will not take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Failure to perform an investigation XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Money transfer, virtual currency, or money service

Complaint about Venmo I have a cash balance with Venmo, and my account has been frozen since XX/XX/XXXX. I have repeatedly reached out to Venmo for assistance, but I have not received any response from them. 

This issue has prevented me from accessing my own funds or sending money from my available balance. It is unfair and extremely frustrating that Venmo has frozen my account without explanation and has not responded to any of my messages for over XXXX weeks. 

I am requesting assistance to unfreeze my account and to allow access to my funds.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

I sent money over to to XXXX XXXX for a lease exchange. I was to sublet an apartment and sent over {$1600.00} for security for the apartment. This was broken up into two separate payments sent to him through XXXX via my Bank of America account. 
XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$820.00} The sublease turned out to be unauthorized, XXXX XXXX owed back rent and was specifically told he was not allowed to sublet the apartment. After contacting XXXX to send my money back and that I was aware of his scam I was blocked everywhere from contacting him. Immediately after finding out this was the case I contacted Bank XXXXf America on XX/XX/XXXX to see what could be down to get my money refunded to me. I was told that of course they would be able to help since I was a victim of fraud but the XXXX team was unavailable on the weekend so to please call back on Monday. I called back on Monday XX/XX/XXXX and spoke with two different people at Bank of America who told me two vastly different things. One told me they would be able to fill out a scam report and file a complaint with XXXX in order to try to get funds back to me on their end and that I should file a complaint with the Internet Complaint Center which I did. Another told me there was not anything that could be done since I authorized the transaction.