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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX 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

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

Please delete the following accounts : XXXX  XXXX XXXXXXXXXXXX Account Number : XXXX Balance : {$3200.00} XXXX XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Balance : {$0.00}
Product: Debt collection

I do not know where to put this under but MCM is calling numbers that do not belong to the person who they are trying to reach. The numbers on the account my number belongs to is not even under the persons name they are trying to get a hold of so how is this legal . I may be  the husband but my name was never on any account with my wife 's and this number was originally a business number that I had for a year before switching the number to an account that is not mine or my wife 's. There is no possibile way that MCM found this number under my wife 's name since it was under  XXXX   XXXX   XXXX  and then went to my mothers name who shares no last name or any similar name with me or my wife. How do I know MCM has not called anyone else under my mothers name and disclosed information. These people are doing illegal stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money lion is reporting a balance to XXXX when i paid account in full
Product: Student loan

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX Mohela XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Immediate Cease of Loan Payments Due to FERPA Violation Dear Mohela, I hope this letter finds you well. I am writing to formally inform you that I will no longer be making any payments toward my Parent PLUS loans due to a violation of the Family Educational Rights and Privacy Act ( FERPA ) by your organization. Specifically, I have recently discovered that my personal and financial information was compromised without my authorization when shared with XXXX XXXX and his employees, which is a direct violation of FERPAs protections regarding the privacy of student and parent records. 
FERPA requires that educational institutions and loan servicers such as Mohela safeguard and protect the privacy of student and parent records. By disclosing my personal information to individuals and entities not authorized under FERPA, you have breached the legal requirements set forth under this act.

As a result of the severity of this breach and the compromise of my personal and financial information, I have lost trust in your ability to protect my private information and therefore request that my loans be immediately canceled and discharged.

Please consider this letter an official notification that I am discontinuing my loan payments until I receive satisfactory answers regarding the FERPA violation. If I do not hear back from you within 5 days, I will be forced to take further legal actions to protect my rights. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have 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 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XXXX XXXX  XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX. Used, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX, Personal Loans companies, XX/XX/XXXX, Equifax - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, Equifax FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your
Product: Credit card

I have XXXX amex credit card. I have accumulated reward money on it for year XXXX which were supposed to be sent to me in XX/XX/XXXX month as coupon. I am yet to receive it. 
I wanted to cancel the card because of poor service but I have been told If I cancel the card I will not receive my last years reward coupon. I understand if they would have said this for year XX/XX/XXXX. I felt it was kind of a ploy to keep me from not cancelling the card. 

My card details are as follows name- XXXX XXXX credit card number - XXXX
Product: Debt collection

I got a call 10 to 12 years ago from XXXX XXXX XXXX, XXXX that I owed something about {$5200.00} including late fees I told them I dont have credit card from Wells Fargo Bank and i hadnt live XXXX since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems XXXX didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.
Product: Debt collection

DEAR CFPB : This matter is in regards of, 4 Debts, one is from : XX/XX/XXXX, another one is from:XX/XX/XXXX, the other one is from:XX/XX/XXXX, and the last one is from:XX/XX/XXXX. I wrote the debt collector before 30 days as per Sate and Federal Laws dictate, NOT TO CALL ME, NOT TO HARRAS ME, that this matter was closed and PAID IN FULL to the collection agency. I also requested to the collection company that if they had anything ells to please to contact my Attorney in charge of this matter. This collection Agency is abusive and keeps writing me mail and keeps calling me 4 to 5 times a day. Thank you. Respectfully yours.
Product: Credit reporting or other personal consumer reports

The imposition of these charges constitutes an illegal act of retaliation in response to my submission of multiple health code complaints, which led to the property being fined for violations. Following an emergency leak, I was compelled to vacate the property as it became uninhabitable for myself and children. Upon my departure, the company reapplied charges to my account and furnished a statement of past-due utilities encompassing the period from XX/XX/XXXX to XX/XX/XXXX. Nevertheless, my account balance was settled in XX/XX/XXXX, as acknowledged by management, thereby confirming that I am not liable for utilities, which are included and paid with my rent. I have sought an itemized, monthly breakdown of the utilities, but the property and accounts receivable department assert that this information is not available. Consequently, the absence of supporting documentation renders it impossible to verify the legitimacy of the charges.
Product: Vehicle loan or lease

Hello, I am aware I have a XXXX XXXX XXXX XXXX & I understand how that works/means ... for my XXXX XXXX XXXX XXXX XXXX I have paid my monthly payments early since day 1 to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXXXXXX  payment on XX/XX/XXXX which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXX this payment in the amount of {$180.00} was paid online and scheduled as the XX/XX/XXXX Payment. I then paid my XX/XX/XXXX payment on XX/XX/XXXX again I am paying early to decrease the amount of interest I pay over the full term of the loan. 

Santander applied the XX/XX/XXXX monies received as a interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXX payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended ( or refund me directly so that I can remit again as a regular payment when due to receive proper credit ) and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 1 month ahead in my payment obligation. Please help I do not have XXXX to just give away and not receive any benefit of my hard earned $ when I am paid ahead... I am a XXXX XXXX and do not see how this is fair... This seems Predatory how can they charge additional interest when they received benefit of my payments early where is my benefit I did not see any Prepayment penalties disclosure in my contract. Any assistance you can provide is greatly appreciated... Thank you
Product: Debt collection

XX/XX/XXXX : Placed a call to my husband and shared personal information about debt acquired before my marriage XX/XX/XXXX : called me threatening to sue for debt established in XXXX, in Nevada with Statue of Limitations of 4 years. I kindly explained that they can not sue me for debt that old and that the debt has been resolved 5 years ago. asked not to contact me again. 
XX/XX/XXXX : Called again claiming that lawyers filed a motion to revive a debt and threatened that I will be served at my place of employment if not resolved immediately.
Product: Credit reporting or other personal consumer reports

I would like these inquiries to be deleted because I did not authorize these companies to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received anything from Experian in regards to my credit report and XXXX report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXXL report. 

I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and XXXX REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX  REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX  REPORT. I am entitled to a free weekly report due to the current pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXX XXXX  XXXX  ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXX XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) XXXX has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.
Product: Credit reporting

I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX XXXX will not provide it to me and TransUnion will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither TransUnion nor XXXX XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.
Product: Credit reporting or other personal consumer reports

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Checking or savings account

I submitted a fraud Claim to Truist bank claim number XXXX The claim is for 13 payments from my checking account with truit to an unknown recipient. Truist has denied the claim stating that these checks were authorized and that there is more than one so that means it is authorized. The issue is the following. All 13 checks were not authorized. The checks are not signed by myself or the joint account holder. The checks are electronically signed claiming previous authorization to do so. The checks have been validated that the checks are not generated by Bill Pay. The checks themselves appear to be suspicious as they come from Suntrust and the address on the Check for that Bank is no longer or perhaps never was valid. 

I have spent many hours trying to get Truist to agree that these checks are Fradulent. The checks were not approved by myself of the XXXX XXXX XXXX and the Checks are not signed or authorized to be signed by myself or the joint account holder. Truist is asking for proof I dont know what other proof to provide. I do not know who the recipient an XXXX XXXX is. The checks are small amounts. and occur as best we can tell every two months starting in XXXX of XXXX. I need help working with Truist as when you call there service number you get unresponsive people in a call center in the XXXX. The Bank if refusing to agree it is fraud and is cashing checks with no authorization and no signature from either account holder
Product: Credit reporting or other personal consumer reports

After a diligent review of my credit report I noticed several accounts that are not mine and incorrect information on my report. 

In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address and social security card to verify my identity.
Product: Checking or savings account

I had originally filed a claim with Bank of America and it has been maybe 3 to 4 months now. The claim was on a transaction that I never got the crypto the company had frozed my funds now because BOFA took so long that company has erased all of how much was in their and erased all text messages the good thing I took screenshots shots of all so I have plenty of evidence of the funds being their. The amount I disputed with BOFA is {$1000.00} I just want to get that back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$750.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$620.00} INQUIRIES : ==== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.