23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, Gemini XXXX  froze my account for no known reason and sent emails but they did not give any reason why it was frozen and I can not withdraw my assets or make any trade. Account frozen, Ticket ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

THE CONSUMER XXXX XXXX  STATES THAT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDITOR ACIMA DIGITAL FKA SIMPLE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORTING XXXX XXXX HAS VIOLATED THE CONSUMER XXXX XXXX RIGHTS UNDER 15 USC 1681 SECTION 602 STATES, THE CONSUMER HAS A RIGHT TO PRIVACY (15 USC 1681) (SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAQT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN FOR ANY PURPOSE!
Product: Credit reporting or other personal consumer reports

I am formally invoking my rights under the following federal laws, which mandate the accuracy, fairness, and transparency of consumer credit reporting : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) FCRA 1681n Liability for Willful Noncompliance Violation of FDCPA 1692e ( 8 ) Prohibition of False Credit Reporting Violation of TILA 1637 ( b ) Right to an Accurate Billing Statement Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) ( False or Misleading Representations )
Product: Student loan

I do not know who my Private Loan lender is. Apparently, my lender has changed many hands. I am unable to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested LexisNexis to investigate inaccurate information on my credit file. As of now, I have not received a response from the company. On XX/XX/2023, I receive a confirmation that the document was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Debt collection

TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
Product: Debt collection

On XX/XX/2020 my bank account was charged for 2 amounts labelled XXXX XXXX. First was for {$120.00} processing fee, second was for {$2500.00} XXXX XXXX County with Funds. Spent 2 days trying to find out from my bank what this was and contacted township tax collector, since I thought it might be the tax portion of my mortgage payment. Finally found out it was a collection put through by the court by Officer XXXX XXXXAttached is the reply I received from him. 
Mr XXXX The docket you listed below is for a judgement that was filed by attorney, XXXX XXXX  XXXX. on behalf of plaintiff Cavalry SPV. XXXX XXXX XXXX   phone number is XXXX. You may contact them for more information regarding this matter. 

Thank you Officer XXXX I have had communications in the past disputing the charges on this account which was originally held by XXXX. I do not have any records saying that this was going to the courts for a judgement or that I could dispute it. The amount charged was not what I had with XXXX, and considering the fact that after this debt was purchased for probably a few cents on the dollar, These parties made an exhorbitant profit after XXXX wrote it off as bad debt. Also XXXX never made an effort to work me me to straighten it out. 
Would appreciate any help you can render. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im really totally perplexed and exhausted from dealing with American Express on charges showing on my account that I have been credited for either buy the merchant or had to dispute it. their accounting is severely off. Please see the attachment back in XXXX of this year. I only owed about {$1000.00} on this card. And Ive been pretty much credited with everything since XXXX with the exception of a few minor things that equal up to maybe {$800.00} my balance is now {$5000.00}, it was showing about {$8000.00} a month ago. no one can explain it either and explain where the charges are coming from which is why I am hiring an attorney and filing a lawsuit. Someone at American Express has their accounting incorrect. The same applies for my other American Express blue cash card as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I took a loan from Toyota Financial Services for {$50000.00} for a used car with monthly payments of {$920.00} and a maturity date of XX/XX/XXXX. 
I paid {$920.00} per month each month since then. 
On XX/XX/XXXX I paid an additional {$5000.00} to the principal of the loan. 
After that, TFS sent me an invoice saying I didn't need to pay my loan for the following 6 months. But I called them to clarify that I wanted to continue making payments each month but that I expected that the maturity date of the loan would change to an earlier date. One customer service person told me that this was correct. But the next invoice had the same maturity date of XX/XX/XXXX. I've now spoken with 5 different people including 2 " resolutions '' people who said that the maturity date does NOT change even if I make an extra payment to the principal of the loan.
Product: Money transfer, virtual currency, or money service

Received a money network debit card with my XXXX funds. When I called to activate my card, apparently there was already fraud alerted on my card, even though I hadnt even received or touched the card. I had funds on the card that the company said they would send a check out for. I called XX/XX/XXXX for the check. The check was for {$1400.00}. The company told me to wait 15 business days to receive my check. I waited until XX/XX/XXXX as that was the 15th business day. On XX/XX/XXXX I called to have a replacement check sent to me. The rep I spoke to at that time, whose name was XXXX told me to wait 3 business days as the request was being emailed to higher ups for them to look into voiding the check. She told me to wait until XX/XX/XXXX to call back and check the status. On XX/XX/XXXX I called to see about getting a new check sent to me. The representative stated my check was actually cashed and there was nothing she could do to help me. It has been a month of me not having any money because I never received my check. The company is no help at all and I do not know what to do anymore at this point.
Product: Credit reporting or other personal consumer reports

There were 2 credit cards and 6 inquiries on my report i didn't initiate. " XXXX XXXX XXXX '' credit card opened on XX/XX/XXXX with a {$500.00} balance. XXXX XXXX XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX with {$500.00} original balance. Now there are 6 total inquiries. " XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX' inquired on XX/XX/XXXX. There was also an address on my report that is included on my identity theft report. The address is " XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX ''.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the reporting of late payments on my credit report, as I believe these entries violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( a ) ( 7 ). According to the FCRA, creditors are required to notify consumers prior to reporting negative information such as late payments to the credit bureaus.

Upon reviewing my credit report, I identified the following accounts with late payments that were reported without prior notice : - 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 ( ANY AND ALL LATE PAYMENTS ) I have not received any written or electronic notice from the creditor regarding the negative reporting of these late payments, as mandated by the FCRA. This failure to notify deprived me of the opportunity to address or resolve the matter before the information was reported. 
Under the FCRA, consumers have the right to accurate and fair reporting, and failure to notify violates this standard. Therefore, I kindly request that you : 1. Investigate the accuracy and compliance of these late payment reports.

2. Provide me with documentation proving that proper notification was sent to me before the reporting of the late payments.

3. Delete these late payments from my credit report if the investigation reveals non-compliance with FCRA requirements.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft and there is an account on my credit profile from XXXX, was determined to be fraudulent. I am attaching the letter from XXXX to remove this account from my credit file. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently reviewed my Equifax Credit Report and viewed a Credit Inquire I do n't recall authorizing. The inquire was conducted by XXXX XXXX XXXX on XXXX XXXX, 2016. I have had previous unauthorized inquiries conducted by XXXX XXXX removed from my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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
Product: Debt collection

Having been dealing Mariner Finance for the last 5 months. I was told back in XX/XX/XXXX if I made my payments on time and stayed current they would dismiss the judgment against me. Well now I got paperwork stating the judgement was finalized on the XX/XX/XXXX. I still have the letter from the Vice President of the company stating such. I want the judgement removed and the account status to reflect that in my credit report and my sons!
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. 

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 XXXXXXXX, 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXXXX/XX/XXXX-2025 OneMain XX/XX/XXXXXXXX XXXX, IN XXXX Dear OneMain I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. Therefore, I am exercising that right. Please be advised that any further attempts to contact me regarding this matter, whether by phone, mail, or any other means, will be considered harassment and will be reported to the appropriate authorities. 

If you believe that I owe this debt, I request that you provide verification and documentation of the debt in question. Until then, I expect no further communication from your agency. 

Please note that this letter is not an acknowledgment of the debt, nor is it a refusal to pay the debt. It is simply a request to cease communication. 

Thank you for your attention to this matter. I expect to see a complete cessation of all communication from your office. 

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

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on FICO.
Product: Mortgage

Our house was foreclosed on in XXXX, 2009. There was no deficiency on the XXXX trust ( there may have been an overage ). There was a HELOC on the property. It does not show up on a title search. We have been contacted by attorneys claiming to represent the BoA. One of osur credit report shows this debt has been sold. It is showing as fully due on our credit report even though XXXX attorneys have told us that this debt is no longer collectible thru the courts in Virginia. We recently applied for a mortgage and even the loan officer can not explain how this is being represented on our credit report and suggested that we contact you because she ca n't even figure out who we should contact to get it updated to reflect the actual situation.