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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I recently had fraud done to my acct. I purchase 2 XXXX. the first on a web site call XXXX XXXX {$150.00} XX/XX/2020 & the other off XXXX XXXX {$130.00} XX/XX/2020. Cash app states on there portal that if we detect fraud being done to contact them immediately. I did everything they asked me to do even requested the refund from the 2 people who I made the purchase with. The first guy he never responded leaving the acct in refund status and the other guy decline immediately. I sent all supporting documentation to cash app only to get the run around. I then tried to dispute the charges with my bank only for them to tell me they do not assist with 3rd party payers. I then contact each web site I purchase the items off. XXXX XXXX & XXXX XXXX. let go said they do not assist with refunds and offer up said because I used a 3rd party payer they can not assist me. I then contact Cash App through the portal. After numerous email back & forth I finally asked for manager to speak to the rep by pass the question and gave me am automated response. I have all email trails to support this as well. I have been going back an forth with different reps only to get the same responses. I am out of {$280.00}. Someone is responsible for this. Cash app ask for SS # and a physical address. They need to go after the people who committed this crime. I know if this was my bank they would have refunded the money and went after the people who did this. I need help in this matter. So far I have did a police report, contact XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX. I wish I did my homework before using the app. I know they created this for a good purpose but there are people making it bad and nothing being done about it. I feel they are supporting the crime because the accounts are still active and running. This is not right and something needs to be done. Due to all the bad reviews I have seen on different web sites I have unlinked and deactivated the account at this time due to people have money disappearing out there acct. I can't chance loosing money. I work hard for my money and for them to allow this behavior and not crack down. I think it need to be shut down for this reason. Please let me know how I can go about getting my money back.
Product: Credit reporting or other personal consumer reports

15 USC 1681s Unlawful Release of Consumer Report without consumer consent Dear CFPB, XXXX and Teletrack have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides 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. I have never given XXXX or Teletrack consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my XXXX Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. XXXX and Teletrack did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX is not maintaining reasonable procedures.
Product: Credit card or prepaid card

I am writing today in hopes to obtain your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) Between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Consumer Loan

I purchased motorcycle in 1997 paid the loan in full and never received a lien release now selling motorcycle and do not have a clean title
Product: Debt collection

The address I provided matches the address on record because of perpetrator lived in the same address as me from XXXX. I was in an extremely abusive relationship, which I have explained over XXXX times and provided evidence of including police reports, warrants, arrest records, and restraining orders. I was forced to call and dispute late fees by this perpetrator whose information I provided ( XXXX XXXX XXXX ). Payments were made on the account by the perpetrator until he was arrested in XXXX  as shown by the arrest record I provided to XXXX dating back to XXXX
Product: Mortgage

I have for many months been able to make a principal only payment online with NewRez. Today a principal payment was only allowed if I also prepaid my XX/XX/XXXX payment. I called and spoke to two very nice individuals. The first one said that management new there was a problem with the online system but she could not process a payment without charging me {$15.00}. She transferred me to someone she said had the authority to draft the principal payment without charging a fee. When I was transferred to this individual he also could not draft the payment without charging me. Again I was unable to do this online. The individual tried for 10 min to get a hold of their manager and once they did the manager told him to tell me to call the escalation department, this after I had been on the phone for 30 minutes. This is an UNFAIR PRACTICE and I wonder how many people have had to unnecessarily pay a {$15.00} fee.
Product: Debt collection

I have sent multiple complaints in to this company. They refuse to cooperate. They have not sent anything back to me to verify this as my account. THey haven't sent a copy of the application, or a copy of the IDs submitted with to application to prove it was me. THe account is not mine as is opened as a result of identity theft
Product: Mortgage

Company continues to request a full year of school taxes which violates the law which says they can request a maximum of 2 months. Taxes were confirmed paid on XX/XX/XXXX by current lender and it shows clearly that they are not due until at least XX/XX/XXXX. There have been many instances through the process where they have not completed their due diligence and generated documents with inaccurate numbers and have attempted to charge me fees for the loan being delayed when I have submitted everything on time. Their last set of closing documents come one day after a disclosure that showed I did it need to pay the school taxes in whole. Yesterday, the closing documents showed I needed an additional XXXX for the already paid school taxes. Their solution was that I should finance those - which is not lost on me that they would collect on the interest of that, while I clearly do not have to even pay them as I have a year before they are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my auto loan XX/XX/XXXX and it was held as an electronic title. Ally documents show it would be sent to XXXX XXXX in XXXX business days. It has now been five days and the fl dmv still shows a lien. When I contacted them today they say it will be 7-10 days after fl dmv received and they have not send to them as they are still processing pay off. Even though my account as shown paid off since last Thursday XX/XX/XXXX. Contact has only been through their online chat as they do not answer the phone after 45 minutes on hold they hang up on you. I have experienced the XXXX time over the XXXX year life of my loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX A written report of identity theft that included victim affidavit, police report, and appropriate identity was submitted to PayPal via XXXX XXXX Mail. This report provided detail of XXXX transactions by PayPal that occurred between XX/XX/XXXX and XX/XX/XXXX resulting a loss of funds from the victim 's banking demand deposit account. The transactions were committed through the use of identity theft/impersonation The written report of identity theft requested that PayPal reimburse/reverse the identified transactions. This request was not responded to. This request was subsequent to the bank requesting reversals of the transactions and the victim having multiple email interactions with PayPal attempting to report these fraudulent transactions and being refused.

PayPal in not honoring reports of identity theft/impersonation has created an environment where criminals thrive and PayPal makes money off the crimes committed by them. When it fails to assist victims it is re-victimizing them compounding the loss of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please put this account back on, these were accidentally deleted. 
XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I want to make it unequivocally clear that I am not about to let this XXXX  XXXX of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon a thorough review of my consumer credit report, I have identified multiple egregious violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s2 and related provisions. These violations entitle me to monetary compensation, and I am prepared to pursue all necessary legal avenues to ensure these rights are enforced. Violations Cited : Under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), your agency has furnished reports in connection with credit or insurance transactions that I did not initiate or authorize. Specifically : XXXX XXXX XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX  - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX  XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Student loan

Ive talked to Sallie Mae many times about not contacting me and harassing me multiple times a day but they continue to. XXXX calls over a 7 day period were made to me, multiple were made to my co-signer, multiple were made to my sister ( who is not on any loan information of mine, multiple to both of my parents, and probably others I dont even know about. They never help me with my loans or help me to lower my payments and always beat around the bush when I try to explain my situation to them. They are harassing me, setting me up for failure, dont care about my situation, and are an awful lender. I have to pay XXXX dollars a month due to their outrageous interest rates and the fact that Im so behind because they have never been able to or cared to help me and my situation. I can not pay XXXX a month. My debt is a total of XXXX dollars with Sallie Mae for student loans and over the past 6 years Ive totaled about XXXX dollars in interest. They are taking advantage of students without a care in the world for their well being or success. Ive talked to at least 10 different people at Sallie Mae over the past few years and they say the same thing everytime. We are so sorry but we can not help you at this time due to blah blah blah. Then the day bye and hang up. That is not helping me. Its stressful, it hurts my career, my life, my future, and its getting worse. Sallie Mae needs to be held accountable for there terrible service and loans
Product: Student loan

I am a member of the Sweet v Cardona Lawsuit and the Dept of Education is to have refund checks to be sent out by end of XXXX, this month! However when I call all they tell me is they have the Borrowers Defense Application and its processing, there were no manager, so I submitted and I again have submitted a complaint on their website case number XXXX.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the XXXX data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX XXXX breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC ID Social Security Card Utility Bill
Product: Credit reporting or other personal consumer reports

I sent Experian the documentation from XXXX and the alleged verified account source ( the courthouse ) and no records were verified. Experian still wont remove the incorrect unverifiable accounts.
Product: Credit reporting or other personal consumer reports

hi I recently looked at a copy of my credit report and noticed that there are accouple inaccurate information on my account and this inaccurate information is hurting my ability to obtain credit. can you please do an investigation with them to make sure everything is reporting right on my report. 

here is the account I seen was incorrect and I'm asking for you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

on XX/XX/XXXX I called made my mortgage payment with Mr.Cooper for the month of XXXX. while on the call I asked for a payment deferment for the month of XXXX so I could have extra money for XXXX. I was told I could be put on a repayment plan and pay extra on my XXXX, XXXX and XXXX payment but not a deferment. I asked would it hurt my credit she said it would not show 30 days late since I was on a repayment plan. I asked several times since I had the money to pay it I was just looking to be able to give my kids a better XXXX I was also told I could make partial payments in those months and when the total of the repayment amount for that month was in there it would be applied to my acct. so I thought great. so I called back XX/XX/XXXX to pay XXXX which was a partial payment. I was advised I was never even put on a repayment plan I was advised I was turned in as 30 days late for XXXX payment I was also advised that there was no partial payments even allowed on a repayment plan. so I was put on the plan at this time and I payed my {$2100.00} at the end of XXXX I think on the XXXX. I made another payment of XXXX by electronic check on XX/XX/XXXX then today I look at my bank account and see fees because they tried to take my XXXX payment out again after my check has already been cleared and applied to my acct. this company just cant stop causing problems and they will not do anything to help fix them I also was turned in as missing my XXXX payment even tho I paid it on XX/XX/XXXX. so now I have been getting turned in as 30 days late until I get done with my repayment plan in XXXX. so I now have ruined credit after never missing a mortgage payment before.