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

In Accordance with the credit reporting act XXXX Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX XXXXXXXX  3XXXX XXXX XXXX 4. XXXX XXXX XXXXXXXX 5.XXXX XXXX 6XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXXXXXX 9.XXXX 10XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXX XXXX XXXX 14.Prof Debt 15. XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 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

I am writing to formally dispute a late payment entry on my credit report that is being reported by ( XXXX  ) XXXX XXXX XXXX XXXXXXXX . This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed suddenly by the Creditor and has been reported 90 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). I request confirmation of this correction in writing. Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

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

My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately
Product: Debt collection

I made an exchange for digital goods online on a third party website, where I had an arrangement after funds were sent to me I would release digital goods. After confirmation was sent to me that funds where sent and funds where received on paypal, I transferred the digital goods. A month or so later I realize my account is negative and when I tried to contact paypal they claim that they dont cover these transactions and that it was a fraudulent transaction. Even though no transaction occurred over paypal other then receiving monies owed.I have proof of the transaction and even a picture the individual sent me that they sent me the funds. Which they don't even want to accept since they do not accept these types of transactions they claim.
Product: Debt collection

On XX/XX/2020 I emailed Lending Club at the email address they provided to cease and desist calling me. That email address was sent to XXXX. I originally sent this request due to Lending Club calling me 5x that day  prior to XXXX. Lending Club acknowledged they received my cease and desist communication when later in XXXX I called in to make a payment. Then today, XX/XX/2020, Lending Club again called me attempting to collect a debt. I let them know that this is violation of the FDCPA and that i'd be reporting the violation.
Product: Student loan

1 ) I enrolled in the XXXX XXXX XXXX XXXX ( XXXX ) program in 2013 for over {$170000.00} worth of federal student loans. My then-servicer, XXXX, accepted timely payments in excess of my monthly bill from me from XX/XX/XXXX through XX/XX/XXXX, under the impression that they were making progress toward XXXX. I was never informed that these payments were not being considered qualifying- they were in full, timely, and my work certification forms were submitted and accepted by XXXX. A year later, I looked back and saw they were deemed " ineligible, '' because I was on long-term deferment. XXXX ( of course ) never informed me that payments were not " due, '' or that they were not considering them qualifying for XXXX. 

I complained several times to XXXX, to no avail. 

2 ) Later, after XXXX deigned to begin accepting my payments as qualifying for XXXX, after multiple years of steady employment, on-time payments in full, and accepted employer certification forms - a clear pattern of work toward XXXX XXXX XXXX  arbitrarily put my loan status on " forbearance '' for three random months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My financial status had not changed at all, my XXXX and employment had not changed at all. I was never aware that they were making the change, or given a reason. I don't recall being notified. The forbearances just showed up late- but OF COURSE they accepted the payments I made assuming that nothing had changed. I complained several times to XXXX, and they did nothing. 

3 ) Then, XXXX 's contract was not renewed/they gave it up ( I'm unsure ), and a new monster took over as my loan servicer around the start of XXXX. I imagine CFPB has heard about MOHELA hundreds of times. MOHELA simply accepted the record provided them by XXXX with the XXXX incorrect payment categorizations ( XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The XXXX XXXX had implemented XXXX, and MOHELA said in XXXX that they would conduct a review to fix exactly the sort of problems that I was encountering. According to a phone call with them on XX/XX/XXXX of this year- that process STILL HAS NOT OCCURRED. 

XXXX ) Most recently, as I am a mere XXXX payments away from XXXX, MOHELA just arbitrarily placed my loans on " Administrative Forbearance. '' I didn't EVEN GET A NOTICE!!! I happened to check my status count because I am so desperate to get these XXXX student loans off my back it is fraying my sanity. They never gave me a reason. I asked for one in online messages to them 3 times in XX/XX/XXXX. I asked in a phone call on XX/XX/XXXX. None has EVER BEEN GIVEN. On that phone call, I demanded that they remove the forbearance so I could get my XXXX loan payment credited. The staff said she would do it in 3-5 days. 2 weeks later - you already know the answer - no change. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I was doing my year end bank statements and noticed that paypal pulled out {$300.00} from my checking account in an unauthorized transaction. I contacted Paypal, and they refused to do anything about it and reimburse my money
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service an unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effectively measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with the error resolution reregulationunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I think appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are not reporting the correct information on my credit report. I filed a dispute with both of them and have not changed my report to reflect the proper data. My mortgage was sold by " XXXX XXXX ''. The account was reported as " Closed ''. It was not closed. XXXX purchased the mortgage. They noted and recorded the mortgage and XXXX accurately showed that my account was created on XX/XX/year>. Equifax and XXXX will not change the data to reflect the proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is showing a balance of XXXX on my credit report and this is a fraud charge.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam I am a victim of identify theft, I am sending attached my report. There are XXXX accounts opened on my name, they do not belong to me. I disputed these accounts with banks, I am also complaining about them here. 

Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Name XXXX XXXX  Industry Type Commercial Banks Account Number XXXX Creditor Name : XXXX XXXX  Address XXXX XXXX  Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

SANTANDER CONSUMER XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

this is in refferiance to my american express debit card ... .. I 'm inquiring if you could help me gain  account information i purchased the card with my debit card but i have a different account now.. from there i purchased a few totals over or possibly 12 thousand ... from there i would like to with in reguards to my social security hoping thats what is locating refferianceability I 've even had a sev and ... from the m .... with that stated i would like if you could do all in your power to help i do n't have any information to offer as in any more other than my birth date as well which isXX/XX/XXXX as well from there i would like if you could refferiance the applicabilty of a prior complaint i would of sent ... aswell if unable what is the difference if i purchased with a XXXX bank debit card from a checking account in the united states of america do to thts were i from live as well would of been using the card ... if attempted purchases would matter.. i canceled an order from XXXX ... as well I 'm not sure but my latest deposit or money transfer ( all only in regards to the american express gift card reloadable card ) from transit check ... if not 1,800 dollars 2,800 dollars ... humbly I 'm in a destine situation this was my emergency money which for whatever reason if email encryption then that but i ca n't access ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX Trans union are reporting inaccurate addresses in my report that I didnt and do not live at. 
XXXX XXXX XXXX XXXX XXXX XXXX isnt my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX la, XXXX isnt my address and I have never lived at that address. 
XXXX XXXX XXXX XXXX, Tx XXXX isnt my po box never lived at it. 
XXXX XXXX XXXX XXXX XXXX, Co XXXX isnt a business and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX isnt my address and I have never lived at that address.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I Am a nine ( 9 ) year account holder with Rushcard, on XXXX XXXX, 2015 Rushcard updated their system which was more like a crash leaving myself aswell as XXXX customers with money and direct-deposited funds missing from their accounts. 

When myself and others ( As I have read online ) attempt to access our accounts our money is missing and deposits made to our accounts are lost in limbo with really no answer from customer service and a customer service number that plays elevator music while u either remain on hold indefinately or are hung up on when the line is purposely and repeatedly disconnected. 

Today is XXXX XXXX, 2015 and this has been an ongoing problem since XXXX XXXX, 2015
Product: Credit card

I accessed the XXXX XXXX at XXXX and ate fruit that had mold on it. I reported this to lounge staff and was told I should reach out to AMEX. As a result of this, I had food poison and had to visit a doctor for my symptoms. Then I reached out to AMEX, and they opened an investigation with a reference number XXXX. However, after the investigation they said I should contact the lounge for compensation. It seems like both the lounge and AMEX are XXXX XXXX, and AMEX is owner of the lounge and shall be liable for this incident.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I didn't authorize XXXX XXXX XXXX to run my credit and cause a hard pull. I contacted the XXXX  and left a complaint. I also contacted XXXX directly and was told I would have to contact Transunion to have the hard pull remove because there was nothing they could do on there end. I contacted Transunion on XX/XX/year> by phone about this unauthorized hard pull and in addition was told I would have to mail a letter, which I did on XXXX XXXX. I still don't have an update or resolution to this urgent problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

, i have requested proof of ownership of an account from XXXX XXXX Auto from XXXX and experian and still have not received any proof. however they are still reporting this account on my report with no proof. the amount is about {$9000.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020.
Product: Credit card or prepaid card

The account shows the Status was Charged Off but it also shows that there is a balance and past due amount of  {$4000.00}. How can there be a balance or past due if there was a charge off?
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  BANK XXXX XXXX XXXX : XXXX XXXX  XXXX Owed : {$16000.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Bankruptcy Dismissed Reference # XXXX XX/XX/year> XXXX XXXX CT OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a mortgage loan with equifax due to credit score inaccuracies.
Product: Debt collection

This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State.  This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XX/XX/2022 around XXXX XXXX, I received an email from captialone stated that " Thanks for applying for a Quicksilver credit card '' and they need me to upload copies of some documentation to continue the process. I did not apply for any credit card, I also received an emails from XXXX, XXXX XXXX, XXXX as well as XXXX XXXX all stated that my credit report has been changed due to a new hard inquiry on my credit report, which I am not aware off. Please be advised that in the past I was a victim of identity fraud and all been reported to the three bureaus.