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

In Accordance to Fair Credit Reporting Act XXXX XXXX  Account # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX, the app Venmo locked my account for investigation, they claimed my funds were illegitimate when they are a from a crypto program that THEY offer to use on the app itself. I received over {$1000.00} of crypto on my account, and they are holding my money refusing to withdraw it to me, while also freezing my account. I just want my money now, and Ill stop using the app Venmo forever.
Product: Debt collection

I relocated in XX/XX/2018 and properly completed my change of address notification with the post office. Instead of XXXX XXXX XXXX XXXX XXXX forwarding me a proper bill, they wrote the debt off and sold it to a collection agency. This debt was PAID IN FULL TO XXXX XXXX XXXX XXXX AFTER I FINALLY GOT NOTIFICATION OF AN ACTUAL DEBT BUT THIS COLLECTION PLACE STILL PLACED THIS ON MY CREDIT REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX. XXXX, XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am a New York resident and on XX/XX/21 I purchased {$70000.00} worth of XXXX coins, totaling XXXX coins. When I tried to sell the coins on XX/XX/21, I noticed that I was restricted to view only and the buy/ sell option had disappeared. It said that trading wasnt available in my region. After doing some research, I saw that XXXX isn't available to be traded in New York. Again, less than 24hours I had the ability to purchase the coins, and now I had that ability taken away from me. I even tried to withdraw/ transfer the XXXX funds to another exchange or wallet but each time, I was given an error message - try again later. Right away I emailed support and alerted them to the issues and since Ive only received generic/automated replies stating the companys FAQS. I have also filed a complaint and have received no resolution. It has now been 10 days and I can do nothing but watch the funds deplete. They refuse to refund the transaction. This clearly seems to have been an error on their part. It doesnt make sense that I was given the ability to purchase and now I am unable to manage those funds in anyway. I have since withdrawn all other available funds from Coinbase and will close the account once this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Continuation of complaint XXXX wherein we complained that XXXX and Dovenmuehle failed to auto withdraw interest payments, failed to provide monthly statements and mis-appropriated our principal payments in a bizarre months long scheme of repaying themselves, padding our loan principal and mailing us maddening dunning notices that we somehow breached THEIR terms of service. 

Attached letter dated XX/XX/XXXX, does concede they did not auto-withdraw as promised, did not mail monthly statements as promised, did not do their monthly accounting homework as promised, but merely apologizes for their stupidity and inept or criminal misbehavior. 

We do not now and never did agree for them to breach the service terms of this loan. If they forgot to do monthly statements or were too lazy or stupid to figure out how much to auto withdraw, that is not our problem. That is their problem to rectify and NOW. Issue the darn statements, manually, if their computer is too stupid to produce them.
Product: Credit card

Capital One on XXXX XXXX XXXX XXXX has closed my account and denied me access to my open ended credit plan pursuant to 15 U.S. Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. My application/promissory note and or security gave consideration and secured payment, which now was stolen by Capital One and has been recorded as a book entry with the Treasury for their own personal gain. I received no benefit for providing my security to XXXX XXXX and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC pursuant to Securities Exchange Act of 1934 and 240.10b-5 Employment of manipulative and deceptive devices. It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.
Product: Mortgage

Re : Loan Payoff - Estate of XXXX and XXXX XXXX XXXX XXXX # XXXX SSN ending in XXXX To Whom it May Concern : As requested, we received a payoff letter enclosed with astounding fees of a foreclosure proceeding. Based on our court hearing, the motion for XXXX and XXXX was ordered, adjourned, and decreed that the file be declared inactive rendering file inactive. The judge, in our favor granted to suspend any actions of foreclosure proceeding. Unknowingly of fees not mentioned. To include, our title does not hold any liens of balances with the exception of a mortgage amount of {>= $1,000,000} We have contacted by phone, both XXXX and XXXX and LoanCare , LLC for dignified actions, but was to only be diverted to one another to resolve. This letter is to kindly plead a request of the immediate cancellation of the fees in the payoff of the mortgage effective XX/XX/2022. Our good faith has provided upkept payments to LoanCare , LLC to the home for preservation and maintenance. In receipt, please provide an updated payoff letter for us to file with the Estate. 

Should you need to contact us, please do not hesitate to call at XXXX. We thank you in advance for your expeditious actions, and consideration in this matter. 

Sincerely, Heirs to the Estate of XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed credit disputes with all 3 credit bureaus regarding accounts that do not belong to me. Ive requested a copy of the verifiable documents that the credit bureaus are stating they verified and validate that the account belongs to me. I do not believe they have any verifiable information or documents. I am requesting all accounts that do not belong to me to be deleted and removed from my credit profile immediately. 
The following account collection and charge off accounts : XXXX collection accounts XXXX  charge off account XXXX charge off account XXXX  charge off accounts XXXX loan charged off accounts
Product: Debt collection

I am a victim of the data breach from XXXX, My job XXXX, and XXXX. 
Merchants Credit Guide company has reported a collection account on my credit and it is not valid. On XX/XX/XXXX I send them a letter asking for proof of this debit. ( see letter ) I also send a copy to all credit bureaus on XX/XX/XXXX XXXX ( collection company ) send me a letter with no signature, no picture ID, and nothing confirming that this was my debit and XXXX is also reporting this as a late payment?? after this account was so-called closed. ( violation ). On XX/XX/XXXX I sent them a letter Advising them that they are in violation of the FCRA and FDCPA, Fair debt collections practices. They all keep saying that this was verified and it's not.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing in response to your correspondence dated XX/XX/2024, regarding the charged-off account associated with my name. After careful review of your response, I am compelled to address several concerning issues regarding the handling of this account and its impact on my consumer rights. 

In your response, it was acknowledged that the account in question was charged off, indicating that the debt was considered written off. According to IRS regulations, any charge off is treated as canceled or forgiven debt, which in turn, is considered as income. This action raises two significant violations under the guidelines of all three Credit Reporting Agencies ( CRAs ) : firstly, income is not to be reported on any consumer report, and secondly, a charge off indicates canceled or forgiven debt, which should not be reported if there is no outstanding balance. 

Furthermore, your response indicated that this charged-off account was sold, which further compounds the violations of my consumer rights. If the debt is indeed canceled, as indicated by its charged-off status, how is it permissible to be sold to another entity? This raises serious questions regarding the legality and ethicality of the actions taken by XXXX XXXX XXXX 

As these violations are federally regulated, I demand that this charged-off account be immediately deleted from my consumer report. This will be my final demand before pursuing legal action against XXXX XXXX and the three CRAs for their complicity in violating federal law, specifically 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Had this requirement been met, it would have been evident that income is not to be reported on consumer reports, as stated on all three CRAs ' websites and guidelines. 

I urge XXXX XXXX to rectify this matter promptly and in accordance with the law. Failure to comply will result in legal action to ensure that my consumer rights are upheld and that justice is served. 

I expect a timely response acknowledging receipt of this letter and confirming your commitment to resolving this dispute. 

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

I paid my account on time using their website and 30 days after the website notified me that i had paid my account on time the company notified me that they never received my payment. This caused a 30 day late pay to be put on my report. Which has caused me to not get the best rates possible for my home loan. I have tried to get the reporting corrected by going thru the credit bureaus but have not been successful.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

OLIPHANT FINANCIAL , LLC Has continued to contact me after I place a no contact order. OLIPHANT FINANCIAL , LLC continue to attempt to collect a debt that I do not owe. This company continues to violate several fair credit reporting act requirements to which keeps causing me injuries.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Mortgage

This is my second time making a complaint against NationStar Mortgage. They became my servicer in XXXX XXXX ( it is now XXXX XXXX ) and immediately accused me of being late a payment. Not true, I contacted them about this and thought it was cleared up in XXXX XXXX. It actually was not cleared up so I provided them with the factual evidence showing I I was not late, but actually early with my payments. ( this evidence submitted several times to several different people ) They ignored factual, legal documents and continued to claim I was late. I decided to dig into my paperwork deeper to make sure I was correct, which I verified. I found a payment that had been made and deposited by the servicer but not applied to my account. I provided the actual evidence of this to NationStar. I thought that once this was shown to them that they would repair the damage, concede that I am correct, and we would be finished with this. However, that is not what happened. Instead, their response was that their accounting was correct and I am late. Even after providing them with proof that I am early, they are ignoring the factual history I guess so they can commit fraud by stealing a payment, stealing additional money in the form of late fees. By having the authority to file liens, foreclosure, etc ... they are attempting to blackmail and extort from me extra money. Additionally, my credit is unfairly damaged by their unwillingness to correct my account, so I am trapped in their company, as getting refinanced with my current credit rating is not an option. 
I understand this is just a reporting database, and that there is no action by this government agency that will stop NationStar from their illegal collection practices, which I imagine are commonplace in their daily activities ( not just me ). So what I can do is to let anyone who sees this complaint know that they should RUN AWAY from NationStar! Do not believe them! Their customer service is a complete fabrication, meant to convince potential customers that they are a responsible, above board company. Their research department is a fabrication. Faced with the choice between doing the right thing or doing the profitable thing, they will choose the profitable thing, even if it is illegal/unethical. This I can certainly prove. For me, I had no choice - my loan was purchased by NationStar. If you have a loan that has been purchased by NationStar, and you are able to refinance with another company, I urge you to do so! If they ever have an excuse to charge you additional fees or make false claims against you, legal or illegal, they will very likely hook you too. NationStar has shown me that, with no regard to ethical or legal behavior, they are committed to wringing as much money from their customers, legal or illegally, as they can. I am stuck with this horrible company, but you do not have to be. Benefit from my experience and stay away from NationStar!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts. I have provided documentation of court decisions on the validity of these accounts but they seem to ignore them. ON top of that they have removed access for me to view my credit report. I have sent them my documentation to have access to my credit report but haven't been able to access my credit report.
Product: Debt collection

I am currently in the middle of financing and this unknown collection account appeared on my credit. I have not received a collection notice, phone call or anything for that matter informing what the debt is for before it was placed on my credit. I have also not been able to reach anyone at this institution. They have 2 different COLLECTION COMPANY NAMES ON MY CREDIT. The name on my credit is Pacific Credit Service Account Number XXXX XXXX and the address of this company belongs to Credit Bureau   Associates
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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.

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 information is inaccurate.
Product: Credit card or prepaid card

Dear Recipient, Bank of America is using a term Corporate Card loosely with another type of card Business Card. The two cards should be the same balance, as was reported over the phone ... because the Business Card reports all transactions and all payments go to the Corporate Card as listed without showing any transactions. Why they do this is very strange. My two balances are not the same, lied by the phone attendant and manager. One is {$13000.00} the Corporate Card, and the Business Card with transactions is {$10000.00}. Where is the XXXX difference on the transactions Business Card that didn't show up on the bigger balance of the Corporate card that I am responsible for.

In addition there is another Corporate account setup with a balance of {$2600.00} and a corresponding Business account balance of {$0.00}.

Very dishonest and terrible banking. I want a lawsuit on Bank America and a sum of money.

Now, on a separate issue, I declared a dispute on XXXX XXXX XXXX XXXX XXXX for non payment of {$15000.00} of non payment of insurance claims that were reported 2 months ago. XXXX XXXX CEO must be contacted for this. 

Bank America Card ending XXXX ( Corporate ) and Business XXXX The other Corporate Card is XXXX  and the corresponding Business card is XXXX.