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

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had terminated a phone contract with  XXXX  at the end of   XX/XX/XXXX   or beginning it  XX/XX/XXXX . The account showed as derogatory in my credit. However, I recently checked my credit and I believe the account was purchased by convergent and my account was re-aged to  XX/XX/XXXX . I never agreed to the re-aging.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account Number : XXXX has violated my rights. 

15 USC 1881 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX  AND MIDLANAD CREDIT MANAGEMENT are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
Product: Student loan

I have a XXXX and can not make good judgments. I had a student loan taken out around XX/XX/2022. The University in question used aggressive sales tactics.
Product: Payday loan, title loan, or personal loan

I emailed XXXX the week before repayment of my {$540.00} loan ( due XX/XX/XXXX ). I told them of my situation-loss of income- and they could not give me more time to pay because they had given me that courtesy once before in XX/XX/XXXX. Okay.

I then sent them a follow up email letting them know the payments would be returned due to my financial hardship and they merely said if and when they were returned then they would try again for the next pay period, in 2 weeks.

I sent an email revoking my previous authorization to automatically debit my account. I received an email from a XXXX saying due to the nature of my issue it had to be sent to a specialist and needed an intervention from them for further review. She checked back with me I believe 2 times over the next week in including the day of XX/XX/XXXX which they DEBITED MY ACCOUNT ANYWAY!

Since they debit how you receive the funds- 5 different debits instead of one, I got charged NSF fees.

They can NOT debit my account after I revoke authorization. I emailed them and have yet to hear back from them when usually they respond the same day and now that they've illegally taken my money, they won't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

im an identity theft victim. 
accounts that are not mine XXXX XXXX XXXX XXXX XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine vXXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine all these accounts are due to fraud
Product: Debt collection

Dear CFPB Goldman Sachs is continually been destroying my credit worthiness for years and I have been communication with them relentlessly and have shared that I do not have any knowledge of the debt owed, they have failed to provide me any signed documents bearing my true and actual signature and have gone against all FCRA sections I dispute with the bureaus only for them to reply electronically and say it's valid. It clearly states that once I have notified them that this debt is in fact a part of identity theft they are not to sell, transfer or place the debt out for collection yet they have transferred it to and outside agency who is acting as a collector on their behalf. I have sent my DL License, social security card and police reports to the furnisher and it seems to be ignored, I will not send it again at this point. At this point they are breaking all FCRA reporting act and I nearby demand and investigation. They stall and wear you down as a consumer until you have no more fight. I was a victim of identity theft and have attached my XXXX Police report and Federal Trade Commission Affidavit once again so that they can notify each bureau and have the erroneous, derogatory information deleted at once. Per 605B they are in violation. They are matching a name and address and saying it is mine. " IT '' S NOT '' and I state it again and again that I have no knowledge of this debt that I have been disputing since XXXX. I have place the explanation of the duties when ID Theft Occurs and would appreciate immediate attention. It was the worst thing that has ever happened to me. 

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Mortgage

Re : Complaint Against Select Portfolio Servicing ( SPS ) Failure to Timely Pay Property Taxes and Insurance Dear CFPB Representative : I am writing to formally place on record my ongoing issues with Select Portfolio Servicing ( SPS ) regarding their repeated failures to pay my property taxes and insurance on time from my escrow account. These failures have resulted in late fees for my taxes and near-cancellation of my homeowners insurance. I am extremely concerned about the upcoming first quarter XXXX property tax payment, due on XX/XX/XXXX, which remains unpaid as of the date of this letter. 

History of Late or Missed Payments In XXXX, SPS failed to pay my property taxes on time, resulting in a late fee for which I had to pay out of pocket. 

On another occasion, SPS did not timely pay my homeowners insurance premium, causing me to receive a notice of cancellation before I intervened and made multiple requests that they fulfill their obligations. 

Upcoming First Quarter XXXX Tax Payment The enclosed/attached tax bill for the first quarter XXXX payment, due on XX/XX/XXXX, remains unpaid. I have contacted SPS to inquire about when they will disburse the funds. However, as of this writing, they have not provided any clear confirmation that they have sent the payment to the XXXXXXXX XXXX XXXX 

Concerns About SPSs Conduct and Jurisdiction SPS has alluded that the CFPB has no jurisdiction over these matters because, in their view, this is not under RESPA protection. This position is unsettling and appears to be a deflection tactic. Regardless, the repeated failure to make timely escrow payments, as contractually required, places me in financial jeopardy and could be construed as a predatory practice.

Request for CFPB Assistance and Intervention I respectfully request that the CFPB investigate SPSs escrow payment practices to ensure they comply with all applicable regulations and contractual obligations. My primary concern is avoiding further late fees, penalties, or insurance cancellations due to SPSs negligence. 

I also request guidance on any further steps or protections available to me through CFPB oversight, RESPA, or any other relevant consumer protection laws.

SPSs continued negligence causes me undue stress, financial hardship, and the risk of losing essential insurance coverage. I appreciate the CFPBs continued commitment to protecting consumers like myself, and I trust that you will look into this matter to prevent further harm. 

Please find attached the tax bill for the first quarter XXXX as proof of the upcoming payment due on XX/XX/XXXX. Thank you in advance for your attention and assistance. I look forward to your prompt response or confirmation of your investigation into this matter.
Product: Money transfer, virtual currency, or money service

I have had an account with Cash App for years and never had an issue up until XXXX. They app unexpectedly closed my account stating I violated their policy which was never explained. In the process of closing my account, I have a cash balance of {$410.00} that has been paid to me by different people which has been withdrawn from their account. Cash App has blocked me from receiving these funds and will not allow me to access my funds. I have went through their verification process twice, I have contacted them via XXXX, In App Support and Emailing and have been receiving automative responses. Please help me receive my funds as this has been a disaster. Thank you
Product: Credit card

On XXXX XX/XX/XXXX, while at Lowes to make a purchase of {$440.00}, I was informed by an employee that I could open a Lowe 's store card and get a sizeable discount of 20 % off my purchase. I have a XXXX XXXX I use regularly and another emergency credit card. I have regularly had exceptional credit ( XXXX ) for over 2 decades. In that same amount of time, to the best of my knowledge, I have never carried a credit card balance ( Paid balance off in full monthly ) Wanting to save the {$80.00} plus dollars, I went thru the application process in store and provided all of the requested information. I was told my application was denied. I was informed to contact a Lowes # XXXX on XXXX XX/XX/XXXX to which I did. I was then told to contact Synchrony Bank who is responsible for issuing Lowes Credit. I contacted said bank. I then received correspondence from said bank dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX with reference numbers XXXX and XXXX. with a determination that my identity could not be confirmed based on a credit report from XXXX XXXX. I received a Credit Report from XXXX. dated XXXX XX/XX/XXXX. The report does not have any derogatory information listed and it's demographic information in regards to my identity, DOB, address, etc is clear, correct and matches the information I provided when applying for credit. I believe Synchrony Bank discriminated against me and did not issue credit because of my flawless credit history, score and prompt payment of balances. In my opinion, Synchrony Bank deduced in conjunction with possibly following a Lowes ' guideline, to not lose the 20 % on the sale with no probable future interest payments from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Product: Money transfers

Six days ago I, uploaded a song I made on soundcloud and talked about it on my twitter account. At Tuesday morning XXXX XXXX 2015 I received a message via twitter from a person under the username XXXX saying that he heard my song from soundcloud and that he wanted me to preform live on stage. The person continued the convosation by sending me an email stating three differient levels of exposure, A Slot : $ XXXX Full Promo / Massive Promo Includes : XXXXCd 's, XXXXPosters & Flyers, XXXX-T-Shirts ( Male/Female XXXX & Towels to hand out to fans. Also you will receive A Placement on XXXX Mixtape. Radio Interviews XXXX XXXX XXXX XXXX, XXXX Hour Block of Studio Time ( XXXX ), Club & Radio Spins in XXXX, XXXX We also set up XXXX paid shows for artist appearing on showcase. Tickets to attend 2015 BET Awards Red Carpet Event On XXXX XXXX 2016 VIP. Meet & Greet with celebrity guest XXXX. Compensation for miscellaneous things. 
B Slot : {$1500.00} -You will receive everything in slot A except for XXXX XXXX paid shows and XXXX Hour Block of Studio Time. 
C Slot : $ XXXX Artist or Producer will receive : XXXX Cd 's, XXXX Posters & Flyers, XXXXT-Shirts ( Male/Female ). Towels to hand out to fans as well. 
Bonus Slot : Negotiate On Rewards And Placement. For the break down of the slots pricing and credentials will be explained upon request. for an unsigned music artist, such as myself, at differient prices. I wanted to reserve slot A but did not have the full amount requested. He then called me saying that i could pay him XXXX XXXX dollars as a deposit and pay the rest once I reach XXXX. The person told me to send the XXXX XXXX dollars via moneygram by either walmart or a moneygram building and to send it to his assistant XXXX XXXX at XXXX, XXXX Once the assistant received the money, I would be contacted back. Once the money was sent I went to twitter and noticed that the person blocked me. I called the person on his cell phone but was sent to voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Product: Checking or savings account

U.S bank fraudulently charged me for items that were never purchased. the transaction was rejected and the money was returned immediately due to there fraudulent and illegal banking practices they charged me several times multiple fines and fees for a transaction that never happened that is now being eported to chex systems, this violates many laws and many of my rights. including but not limited to The Electronic Funds Transfer Act ( EFTA ) : This law requires banks to accurately reflect all transactions on your account, and to provide you with a periodic statement that details all transactions. 

The Truth in Savings Act ( TISA ) : This law requires banks to disclose all fees associated with a deposit account, including overdraft fees. 

The Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations : This set of regulations prohibits banks from engaging in deceptive or unfair practices, including charging fees for services that were not provided.
Product: Checking or savings account

They close my account and charged me, fees and XXXX of them. Let me use an ATM card no more.
Product: Student loan

i never had a loan for XXXX college and now all this time they keep saying i do but no proof of master promissory note or exit counseling for loans for XXXX college. They are giving false information and do not want to provide provide proof i signed for a loan because i did not sign for a loan at XXXX college at any point .because they told me i would receive a grant for being homeless and disowned from family because of cultural reasons. now ten years later the Navient loan department ignores me hangs up on me and keeps beating around the bush and keeps putting me on defferement to collect interest and wont remove or give me proof of anything. and wont give me proof of my loan papers because there is none