23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX  {$220.00}, XXXX XXXX XXXX {$240.00}, CREDIT COLLECTION SERV {$470.00}, XXXX  XXXX {$780.00} AND XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries on Credit Report XXXX XXXX ( Experian ) XXXX XXXX  ( Transunion ) XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX ( Transunion )
Product: Debt collection

I started paying windham professionals {$25.00} then increased it to {$50.00} for a debt held by XXXX  university. The debt when I started was XXXX estimates since starting paying the balance as of today is XXXX. I 've paid them more then that.
Product: Mortgage

On XX/XX/XXXX @ approximately XXXX XXXX payments were made to our mortgage through Shellpoint.  XXXX amounts were paid with XXXX different accounts in the amounts of {$900.00} and {$2000.00}. That money was removed from our accounts on XX/XX/year>. 

The next day we were told to sign up with Shellpoint Mortgage. We did that have been unable to access our loan. Both of us have created accounts and neither can access our loan. I have put in XXXX IT tickets with the company ( XXXX is a reference number ) and still can not access my account. 

Also, Shellpoint was unable to locate the payment on the loan and said they needed information in order to find it. I supplied the confirmation codes for both payments. I submitted that on or around XX/XX/XXXX. I waited XXXX  days and heard nothing. So I gave them another call. 

Today, XX/XX/XXXX, I have learned that my payment of {$2000.00} was indeed found, but that they can not locate the {$900.00}. Instead of looking harder with all the information I gave them. They need me to go way out of my way and fax them confirmation of the {$900.00} from my bank. I have to fax it because I can not access my online portal because they don't know what's wrong with it. 

This company said the loan was being moved XX/XX/XXXX but that that they didn't receive it until XX/XX/XXXX. They were still allowing payments to be made and apparently lost into the void on XX/XX/XXXX. This is straight up negligence of financial data at this point. 

I have been a homeowner for 1 month and this has been the XXXX payment experience of my life. I have already wasted XXXX hours of my life trying to get this sorted for something that never should have happened.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these transactions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$6300.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$90.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. XXXX XXXX.Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

Credit score on XXXX XXXX bill went down considerably.Contacted XXXX XXXX, They told me to speak with Transunion, I called them to find out why my score went down.They refused to provide me with the information of why the credit score went down, even after I demanded it! I asked for a manager, they then put me on eternal hold.I then contacted The Consumer Financial Protection Bureau.
Product: Credit reporting

I notice when I was checking my credit today inquiries that was removed in XXXX has been replaced back in my report with consent.
Product: Credit reporting or other personal consumer reports

Noncompliance to Freeze According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) gives consumers the right to place security freezes on their credit reports : XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency jointly owned by Wells Fargo, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  refused my lawful request to place a security freeze on my consumer report. As parent companies, these banks are responsible for ensuring XXXX complies with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Their failure to properly supervise XXXX  resulted in a violation of my rights under the below laws. I am seeking statutory damages, corrective action, and full compliance with federal law. They did not comply with my emailed request to freeze my account. They however replied with the attached pdf. 

According to Fair Credit Reporting Act ( FCRA ) Violations- Right to Security Freeze ( 15 U.S.C. 1681c-1 ( i ) ) o The FCRA gives consumers the right to place a security freeze on their credit reports to prevent unauthorized access.

Failure to Provide Accurate Consumer Rights Information ( 15 U.S.C. 1681g ) - XXXX XXXX XXXX XXXX has provided misleading information. 

Consumer reporting agencies must provide accurate disclosures about your rights. 

According to XXXX XXXX ( XXXX ) Violations ( 15 U.S.C. 6801-6809 XXXX XXXX XXXX XXXX  is refusing to protect my private data Unfair or Deceptive Practices ( FTC Act - 15 U.S.C. 45 ) The Federal Trade Commission ( FTC ) prohibits unfair and deceptive practices.
Product: Payday loan, title loan, or personal loan

I obtained a loan from XXXX towards the end of 2016. I have been making my payments that was agreed upon initially every month and they have been reporting me to the credit bureau as behind every month. I have called for two weeks straight and was kept on hold for hours every day. The automated system try to refer me to the online site but I can not get on my account because it keeps telling me to contact customer support. They wouldnt refinance my loan as I requested unless I reapply for another loan which I refused because that would be adding on to my current loan. 

After my refusal to reapply for another loan, they went ahead and submitted new application which required a credit pull that was declined without my authorization and then they told me that I wasnt qualify anyway. Due to my PCS move to a new state, I took a huge pay cut which was the reason I wanted to refinance but they decline. 

I asked for copies of the actual contract and the payment history because I had no clue what the balance was and they just ignored my pleas. This has been going on for months. They locked my account and it tells me to contact customer service but its going on 3 weeks now and was put on hold for hours. I receive no update on my payments & balance and recently out of curiousity because I know the loan should be close to being paid off but no luck. I am so tired of these companies getting away with these types of fraudulent business behavior. The sad thing they advertise so much about helping military families and yet theyre taking from them more than helping. I am never working with this company ever again. It was a time of distress that I had to take this loan from them to help cover my brothers XXXX because he was XXXX and his insurance had dropped him because the XXXX treatment was too expensive and this is what I had to deal with. Its so hard to deal with them once I obtained the loan. Dont ever believe their untruthful slogan about helping military families. Its a lie.
Product: Credit reporting, credit repair services, 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 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 Account Number XXXX, Account Name XXXX BANK Account Number XXXX, Account Name XXXX BANK Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX, "
Product: Debt collection

I received communication from Portfolio Recovery associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against SELF Lender for their unauthorized sharing of my nonpublic personal information, in violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

I've been disputing my credit file with the 3 credit reporting agencies Transunion, XXXX  and XXXX to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Experian are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
Product: Mortgage

I Initiated the process to remove PMI in XXXX of XXXX. After an attempt to refinance that resulted in excess fees and not much difference in the payment, I requested to have PMI removed. I sent the signed form and check for appraisal in XX/XX/XXXX. The check was cashed in XXXX. I received an email in XXXX that because the loan was less than 2 years old, improvements needed to be documented. ALL improvements were on the form that was submitted in XX/XX/XXXX. The loan reached 2 years in XXXX- I continued to call and be told it was being worked on. As of XX/XX/XXXX I still had NOT had an appraisal completed, even though the check had been cashed. Finally on XX/XX/XXXX the BPO was completed. To recap just a bit- I purchased this as a second home with 10 % down. I did A LOT to this home and moved permanently in XX/XX/XXXX. The mortgage is about XXXX and I could sell it today for XXXX. I have MORE THAN ENOUGH equity to remove the PMI. This company continues to steal {$140.00} every month. I have tried, and tried, and tried. I need someone to hold them accountable and do their job!!!!
Product: Money transfer, virtual currency, or money service

Tried to send XXXX Plus a service fee of XXXX to a very deserving hospital patient. Money transaction was blocked for some unknown reason. Firm has not returned debit card deduction
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Money transfer, virtual currency, or money service

I can not connect Earnin app to my XXXX XXXX. XXXX XXXX  said to contact you
Product: Debt collection

Im submitting this complaint regarding a false and inaccurate collection account currently being reported by Credit Control LLC on my credit report. I urgently need help resolving this matter, as it is actively harming my credit, financial well-being, and overall livelihood.

This alleged debt originally came from XXXX XXXX. In a previous complaint, I did not mention XXXX by name, but I want to clarify now that they are the original creditor. The debt was later sold to XXXX XXXX XXXX, who investigated the account after I disputed it and provided proof of my identity. XXXX XXXX concluded the account was inaccurate and removed it from my credit report. 

However, the same false debt has now been re-reported by Credit Control LLC under their name. I contacted Credit Control LLC several times by phone and formally asked them to provide : A copy of the original agreement bearing my signature Proof of legal ownership or assignment of the debt Documentation to verify the debt belongs to me They have failed to provide any of this information. 

Instead, they claimed to have no record of the debt or of reporting anything on my credit, even after I gave them my full Social Security Number. This is extremely concerning and misleading. The collection is currently showing up on my Equifax credit report under Credit Control LLC, despite them claiming otherwise. Additionally, the name on the account doesnt match my legal name, which I had previously confirmed through government-issued ID. 

This inaccurate account has caused a XXXX drop in my credit score, and I am now being denied housing, credit, and other opportunities all because of a debt that has already been removed once, and should never have reappeared.

I believe Credit Control LLC is in violation of : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate FCRA 611 Failing to reinvestigate disputed information FDCPA 809 Failing to provide debt validation when requested FDCPA 807 Misleading and deceptive practices in debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

all   XXXX   bureaus fail to remove  XXXX   XXXX  from 3 years ago!   no replies no response numerous request to investigate with no action taken
Product: Money transfer, virtual currency, or money service

Hi, I'm I one of several dozen ( hundreds? ) victims of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange XX/XX/22. 

A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.