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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

Date : XX/XX/2024 To : Acima Digital FKA simp XXXX XXXX XXXX, CA XXXX Account # XXXX Dear Acima This letter is to formally dispute the debt you are attempting to collect from me and your subsequent inclusion of this disputed debt on my credit report. I am writing to you specifically concerning your actions in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 12 C.F.R. 1006.34 ( b ) ( 5 ) : This regulation requires you to send a validation notice within five days of initial communication concerning the alleged debt. I have not received such a notice.

12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) ( ii ) : What you claim the debt is valid based on? However, I dispute this claim for the following reasons : Not my Account.

12 C.F.R. 1006.34 ( g ) and 15 U.S.C. 1681-1687 : By placing this disputed debt on my credit report before providing a proper validation notice and verifying its accuracy, you have violated both the FDCPA and the FCRA. Additionally, your claim that you have " no authority to furnish any account to a consumer report agency required by law '' is misleading and misrepresents your actions. 
Therefore, I demand the following immediate actions : Cease all collection efforts related to this disputed debt. 
Remove the debt from my credit report with credit bureau ( XXXX ). 
Provide written confirmation of both actions within 30 days of receiving this letter. 
Please be aware that if you fail to comply with my demands, I will be forced to pursue further legal action against you, which may include reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and/or filing a lawsuit in civil court. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone # XXXX
Product: Payday loan

I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX 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

I do not reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. And would like this address removed from TransUnion and XXXX Reporting Agency Consumer Report! 

And also I would like XXXX Reporting Agency to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Consumer Report! 

I have been and currently be residing at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. 

PLEASE HELP Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting bureaus XXXX XXXX and exp failed to delete innaccurate acct information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  created a new acct without my authorization added two years to the original deliquency. Intimidated me with threats of lawsuits as a XXXX citizen I am entitled to fair protection from abusive practices. I paid in settlement 6 credit balances in exchange for agreement to remove the negative reporting and the 2 collection accts I refuse to pay since I have no relationship to them and they add extra fees of close to {$2000.00}. This is an abuse under the regulations of fcra. 
Since the credit bureaus have not responded to my requests I would like to ask cfpb to help resolve this, I am unable to get a loan now which means no transportation. no employment and this makes unnecessary hardship to pay my property taxes and support my family thru school. Its very disheartening because I know there have been recent class actions against exp XXXX and XXXX as well as XXXX XXXX XXXX XXXX XXXX yet they persist in flagrant violations because of profits received at consumer expense and and somehow manage to pay huge litigation costs and settlements yet continue to flout the laws and regulations which provide equity to lowly consumers.
Product: Money transfers

Paypal has a policy which states : If you provide tracking information ( XXXX ) and we can confirm delivery, your payment should be available three days after we can confirm the delivery date. 
o Pending payments are generally released three days after we can confirm delivery, but sometimes the delivery information takes a bit longer to update. If it 's been three days and your payment is still pending, the information is still processing and the payment should be available soon. Please note that pending payments ca n't be released before you meet these requirements. 

I have entered tracking information and delivery confirmation has been entered by XXXX as of XX/XX/2016. The buyer has not made any complaint or expressed any concern with his delivery. Paypal has not released my funds for transaction ID XXXX Instead they are saying they may " hold '' them for up to 21 days!!! For no cause or reason. Just because I 'm new at selling on Ebay. 
How many millions of dollars in customer funds may they be holding and earning interest on despite the fact that the seller delivered a product and the buyer received the product and there is no dispute? This seems completely predatory, arbitrary and lucrative for a company of this size handling as much money as they are. Please address this for me and millions of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XX/XX/XXXX OR XX/XX/XXXX I WAS A VICTIM OF A ROBBERY I WAS BEATEN AND ROBBED AND MY XXXX  WAS BROKEN. I WENT TO DR.XXXX XXXX BECAUSE MY XXXX WAS BROKEN. IN THE PROCESS I WENT ANDAPPLIED FOR MEDICAID, I ADVISED THE STAFF AT THE DR. OFFICE THAT I HAD NEVADA MEDICAID. THE MEDICAID WAS NEVER FILED BY DR. XXXX OFFICE AND AND THEY SENT ME A BILL. MEDICAID ADVISED THEY COULD HAVE FILED RETRO BACK PAY FOR SERVICES RENDERED I CALLED DR XXXX XXXX OFFICE AND WAS TOLD I WAS IN COLLECTIONS. I AM DISPUTING THIS DEBT AND WANT IT REMOVED FROM ALL 3 CREDIT REPORTS. ASAP. ALLIED COLLECTIONS AGENCY NOW HAS THE ACCOUNT IN COLLECTIONS. PLEASE REMOVE FROM MY CREDIT FILE ALL 3
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I noticed that my most recent credit report contains New City Funding Corp as a Paid Charge off Collection. I was in a rear end front end collision and the vehicle was totaled out and was unaware I was still obligated to continue to pay the car off in full. I thought that was up to the insurance company. I want you to know that I understand my financial obligations, so I paid it off in full in 2018. I would have an excellent repayment record. 
I am planning to apply for a Mortgage Loan, and it has come to my attention that the missed payments, and charge off status on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to delete the account from my Credit report. Thank you for your consideration, and I hope you will approve my request.
Product: Credit reporting

I have no clue the questions asked may have been to long ago to remember or something none of the questions pertained to me as current contact me please XXXX
Product: Credit reporting or other personal consumer reports

Privacy act of 1974 Family and education act of 1974 " I am opting out of your reporting services.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRY XXXX : XXXX on XX/XX/XXXX
Product: Credit card

On XX/XX/year> at XXXX am i recieved a hard credit imquiry from XXXX XXXX and XXXX. Also a XXXX time pass code for bank authentication for XXXX XXXX This was all at the same time. I have not applied for any credit card during this time period.
Product: Credit card or prepaid card

On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. 

After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and equifax has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give XXXX XXXXXXXX my written instructions to furnish my account. Accoring to 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. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( 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. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why Equifax is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all 3 if being reported to all 3 but yet Equifax has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. EQUIFAX AND XXXX XXXX have both violated me.
Product: Student loan

My student loan servicer is MOHELA. I am participating in the XXXX program and have made over XXXX required payments. I was put on an administrative forbearance without my consent in XX/XX/XXXX. MOHELA automatically withdrew a payment from my account before I received notice of the forbearance. I requested a refund of this payment ( {$220.00} ) via online portal message on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX and specifically confirmed they would be sending a paper check as the checking account the payment was automatically withdrawn from had since been closed. I was told the check was in process and would take 30 days. On XX/XX/XXXX, I called to check on the status of my refund and was told by a representative that MOHELA tried to send the refund back to my closed checking account on XX/XX/XXXX, and that I would need to wait for the payment to " bounce back '' before they could issue a check. On XX/XX/XXXX, I called again and was told it was in process and would be sent to me within XXXX  days from the time they initially tried to refund the payment ( XX/XX/XXXX ). XXXX  days would be XX/XX/XXXX. I called today, XX/XX/XXXX, and was told by the representative that there was no check refund in process, and that she would initiate a review and a check would potentially be issued after that, but it could take up to XXXX  days. It has been XXXX  days since I first requested a refund, and MOHELA continues to withhold my money after they withdrew payment from my checking account when no payment was due. Additionally, because MOHELA did not appropriately update the XX/XX/XXXX payment period to count towards the XXXX required payment periods ( as instructed by the Department of Education ), my XX/XX/XXXX payment was payment # XXXX, and should also be refunded to me. The amounts I am requesting be refunded via paper check : XX/XX/XXXX payment : {$220.00} XX/XX/XXXX payment : {$210.00} Total : {$440.00} It is not reasonable to wait over 6 months for a simple refund of money they erroneously withdrew from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX Fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 My only employer is XXXX XXXX XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Payday loan, title loan, or personal loan

I have been trying to contact Regions by phone, email, and mail. Requesting a good will adjustment regarding my late payments on account # numbers below. 

XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : XXXX Account # XXXX XXXX XXXX : I have been customer since XXXX and during that time, I have enjoyed my experience with Regions Bank greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account XXXX from XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I also have a late payment on the above referenced account XXXX from XX/XX/XXXX and XX/XX/XXXX. 
Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of finding gainful employment after the pandemic. During the pandemic, I did a great job of maintaining a good payment history with using funds from my savings. After depleted is when I started to have issues. I have reached out since I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Regions Bank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Regions Bank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Regions Bank is head and shoulders above the rest. I look forward to your reply.
Product: Money transfer, virtual currency, or money service

I was trying to get someone to help me file some legal papers, and I didn't know it was a scam. I thought he was getting my information to help me, but he sent himself the money from my account. When I found out, I contacted cash app, and they told me that I couldn't do anything accept request a refund. The refund was deined, and they told me that there was nothing that they could do, since using their app is no different from using cash ( obviously it is very different ). They know exactly which account it went to and they had every chance to return the money. They also told me to contact my bank ( XXXX XXXX ). I contacted my bank at the time as well, and they said the same thing, and that I should contact Cash app. Basically just both banks pointing fingers at each other. It was {$2000.00} on XX/XX/year>, and I have screenshots of the transaction and a receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. 

The fraudulent account appearing on my credit report is XXXX. 

I only ever opened two accounts in my lifetime and those are XXXXXXXX XXXX and XXXX XXXX card, whatever else showing on my Credit file is not mine and is direct result of Identity Theft. 

XXXX and XXXX removed the fraudulent above account but Transunion failed to do so and did not even respond to my inquiry. 

Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act.

I have attached the Police Report and proof of my identity to this inquiry.