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

On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Product: Bank account or service

Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports ( 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 written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF IDENTITY THEFT AND PRIVACY VIOLATION STATE OF ILLINOIS COUNTY OF CHAMPAIGN I, XXXX XXXX, residing at XXXX XXXX  XXXX XXXX, being duly sworn, depose and state as follows : 1. Identity Theft Claim : I am the victim of identity theft, as unauthorized accounts and/or transactions have appeared on my credit report. These unauthorized activities do not reflect my actions, intentions, or consent. 

The following accounts must be removed from my credit report as they were opened or closed without my knowledge or authorization : KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Changes score b/c it drop from XXXX to XXXX Need to report XXXX XXXX. Privacy Violations : a. In accordance with XXXX CFR Part XXXX, which regulates the privacy of consumer financial information, there has been a violation of my privacy due to the disclosure of non-public personal information without proper authorization. 
b. As per the Privacy Act of 1974, my personal and private information has been mishandled, violating my rights as a private individual.

c. Under 15 USC 6802, I am entitled to be given the option to opt-out of the sharing of my non-public personal information. This was not provided, constituting a violation of my legal rights.

d. According to 15 USC 6805, entities are required to enforce the disclosure limitations of personal information, which was not respected in this case.

3. Right to Opt-Out : I affirm my legal right to opt-out of the sharing of my personal information as outlined in 15 USC 6802. This right has been infringed upon without my knowledge or consent.

4. Request for Resolution : I demand that the unauthorized accounts listed above be investigated and removed from my credit report immediately. Furthermore, I request that the responsible party for the privacy violations provide a full disclosure of how my personal information was used, along with assurances that such violations will cease going forward.

5. Enforcement of Rights : I hereby invoke my right to enforce the protection of my personal information and request corrective measures be taken to prevent further violations of my privacy under applicable federal laws.

I will be seeking compensation for these injuries to the consumer {>= $1,000,000} in A administrative hearing I will lien your company in tell the Compensation is payed in full I affirm under penalty of perjury that the above information is true and correct to the best of my XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX. 
I put up a dog kennel on XXXX for {$250.00}. A scammer answered the ad and told me that he would give me {$300.00}, but he would have to wait a couple of days for the payment. A cashier 's check for {$1900.00} was sent to me, with instruction to deposit it, and send back via XXXX. I sent {$1600.00} via XXXX to him. This started on XX/XX/XXXX, and the check was deposited on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me that the check is no good. I do have the kennel, but is out the difference. 

I reported this story with the XXXX 's policeman and Bank of America XXXX Fraud department ) on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me via letter that the bank can't help me to get money back from scammer. The bank recommends me to contact the scammer directly to send back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is aware that I am a victim of ID Theft. Yet they are still reporting information on my report that I have not authorized. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported,. Equifax is aware that I am a victim of Identity Theft, yet they still have not removed it from my consumer file. They haven't sent any documentation with my as to why they believe the account is mine. Here are the incorrect accounts, as well as inquiries listed on my report. Following accounts are due to identity theft : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX
Product: Mortgage

We fell behind on our mortgage back in XX/XX/XXXX. To save our home we filed for bankruptcy. During the bankruptcy the trustee sent payments in however the bank posted them as principal payments instead of monthly payments causing us to go from 3 months behind to 10 months behind. I attempted to dismiss the bankruptcy back in XX/XX/XXXX but did not qualify. I then decided to apply for loss mitigation assistance from our lender so we could exit the bankruptcy and be on track with our payments. I have since applied once a month for the last 6 months. Each time we were either not told what was needed to complete our application or were told additional info was needed but was not provided enough time to submit prior to reaching our application closing date. We are now facing foreclosure proceedings to start XX/XX/XXXX. I have made every attempt and provided every piece of documentation needed by our lender and they still closed all 5 of our applications as incomplete. I could never get a straight answer and or could never reach out point of contact to discuss the issues.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX, has violated my rights. 

I looked at my XXXX 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 it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Disputed the following accounts with Equifax in which I either did not receive a response or the information was not updated to reflect correct information on my credit report. I filed a complaint with CFPB in which Equifax provided a response which did not reflect the correct information on my credit report. The following accounts were disputed - XXXX XXXX ; {$4400.00} ; CHARGE-OFF. ( Account Paid in Full ) Still on credit report after Equifax reported to CFPB that the account had been removed. ( See Attached ) - XXXX XXXX ( See Attached )
Product: Debt collection

I contacted the company to set up a payment arrangement via ACH payment. Three payments were processed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as paper checks, which I did not authorize that form of payment. I called in to get the transactions reversed because i did not authorize the form of payment and Manager XXXX XXXX informed me that the payments were processed as ACH payments even though I provided proof via bank statement that the payments were processed as checks. The company is refusing to refund my payments, therefore legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Credit card or prepaid card

On XX/XX/XXXX me and my husband made a home furniture purchase at Rooms To Go totaling {$2500.00}. They charged {$800.00} on his XXXX XXXX card and they charged the remaining balance {$1700.00} to my rooms to go synchrony card. 

The goods were never delivered to our home and XXXX year later XX/XX/XXXX we cancelled the entire order and were advised we would get a refund back. My husband did confirm that in XX/XX/XXXX he did get a {$800.00} refund back from rooms to go on his XXXX card. 

However, the remaining {$1700.00} was never credited back to my card or store credit. Synchrony bank spoke to the rooms to go representative from the XXXX XXXX location together with me on the phone explaining they sent the {$1700.00} back to synchrony and synchrony stated that they only have the charge processed but there was no refund or statement credit ever issued. 

Rooms to go provided us statement of the order proving what I wrote above and synchrony said the only thing that we can do is open up a dispute for the {$1700.00} and provide them the statement that rooms to go provided. I did exactly what they told me and after XXXX month their final decision was to not give us the refund. 

so here we are, we paid for furniture that we never received and we even have documented proof that they were refunded but they do not care.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

11.9K 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that XXXX XXXX and purpose.
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 prevent/ address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 32.2K under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX XXXX 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

account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 Grow credit XXXX XXXX XXXX Subs DBA Grow 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate
Product: Vehicle loan or lease

I purchased the car on XX/XX/XXXX. I asked the dealer for a copy of all my loan papers he informed me that the papers are to go back to the loan company. At the dealer I took the option for gap insurance. I was in an accident on XX/XX/XXXX. I spoke with consumer portfolio services on XX/XX/XXXX @ XXXX XXXX. I asked about my gap insurance only to be informed that I didn't have gap insurance. I would like a clear copy of everything I signed at the dealer as well as a sheet with my signature stating I did take the gap insurance. I find it very funny and I had a complaint on this earlier with this bureau about CPS.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. I am seeking assistance regarding an urgent matter that has impacted my bank account, specifically involving Michael Adams XXXX XXXX and XXXX XXXX. I have reached out to request information about the account related to this issue, but I have yet to receive any details. Unfortunately, due to this unresolved situation, my bank accounts have been frozen, which has put me in a difficult position. I would appreciate guidance on whom I should contact to resolve this matter promptly. 

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

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a many items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$1000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BSI Financial has not applied one payment made my Ohio XXXX HAFS program. XXXXXXXX XXXX funds are misplaced or lost and was not applied. I spoke with XXXX and it was stated the payment was made on XX/XX/XXXX. 
XXXX HAFS program made a total of 7 months worth of payments towards my account but only six have been applied in total. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Also BSI Financial has over XXXX dollars worth of late fees on the account. They sent a letter telling me these would be removed because a 3rd party payer was making the payments. These are still on the account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt-out. This is against both XXXX XXXX XXXX XXXX XXXX  ) and New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lack of Consent : I told XXXX XXXX XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. 

Missing Documentation : I have asked XXXX XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ).

Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. 

Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws.

I believe the contract is void and unenforceable, and I am seeking damages for these violations.