23daVinci/CFPB_Complaints huggingface dataset:
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 Self-attestation letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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, of which only 2 are required per the law including my Self-attestation letter. I have provided all needed documentation as well as including my Self-attestation letter signed by a non-governmental organization or human trafficking task force that is authorized by a governmental entity to make such a determination ; consumer- advocacy group or a court representative according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information hippa and ftc violation please correct it asap
Product: Debt collection

Provide me with the requested documents in attachments and attachment is time sensitive.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. SXXXX XXXX XXXX XXXX XXXX Account # : XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

To whom it may concern My name is XXXX XXXX and I have been a victim of Fraud regarding my mortgage payments. 

On XX/XX/XXXX I tried to get a loan with XXXX XXXX I was told by XXXX XXXX with XXXX XXXX that they would do a provisional credit into my account. I saw the provisional credit, therefore, upon the instruction of XXXX XXXX I went to XXXX and he emailed me two different barcodes. One in the amount of {$2000.00} and one in the amount of {$1800.00}. On XX/XX/XXXX. The money was not in my account therefore I called XXXX XXXX and he informed me that they needed to do another provisional credit. I then went to XXXX and he emailed me one barcode for {$1000.00} and then went to XXXX and got {$2100.00} worth of gift cards. it was not until XX/XX/XXXX that I found out that the provisional credits were not from XXXX XXXX, but from the bank due to somebody calling and stopping payments on my mortgage payments. I have been working with USAA for the last two months and their staff has still allowed someone to call and stop payments on the mortgage payments. I had a representative from XXXX XXXX and USAA and myself on a three-way phone call on or around XX/XX/XXXX or XXXX. XXXX XXXX representative let USAA know that on XX/XX/XXXX a reversal of XXXX payment was done by USAA. I have since found out that there was no case opened last week and I have been on the phone with USAA and XXXX XXXX today, XX/XX/XXXX, for about XXXXive hours trying to get this resolved. I have never stopped a payment for XXXX XXXX and never will stop a payment for XXXX XXXX. I request XXXX XXXX to skip a payment or defer XXXX payment to the end of the loan due to USAA trying to fix their errors and get the money back into my account, I live paycheck to paycheck and only could make the payment once I get the reversal credit back into my account I would request XXXX XXXX assistance and defer XXXX payment so that I have time to get my other bills in order. I would like XXXX XXXX to know that I have never in our 30+ years of owning a home, stop a payment for my mortgage. I would request that XXXX XXXX  can understand the issue I am in and can just defer XXXX payment one time and I will give you my word that as long as USAA can get the issue straightened out I should not have to ever ask or be in this situation again. 

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

I would like this account deleted and {$3000.00} monetary for my the damages, emotional stress and for storing, sharing a furnishing my alleged private transaction experiences. Transunion and aagron collection agency willfully and intentionally continue to share, furnish my information without my written or verbal consent and couldn't show me proof that I provided them with consent to share my alleged private transaction experience. This cause me to lose employment opportunities. Transunion neglected to do their graves responsibilities and a reporting agency making sure consent was given witch is an invasion of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2020, I logged into my Brinks Money prepaid account and found that I have been charged a " Signature Purchase Transaction Fee '' of {$1.00} each time I had a recurring charge posted to my account since XX/XX/2020 which totaled {$110.00} in fees. I have the " Pay as you go '' plan which means you are charged that fee for every " Signature purchase '' ( which is a purchase that is signed for ) or a PIN purchase ( a purchase that a PIN has been entered ). According to Brink 's terms, my purchases were neither signed for nor a PIN was used. 

In an effort to resolve this issue, I called Brink 's and explained the aforementioned, however, the agent insisted that the charges were " considered '' signature purchases ( even though I explained multiple times that there was no signature used for the purchases ), they were recurring purchases.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : [ List of inquiries with dates ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6 months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of my credit report.
Product: Debt collection

I have been fighting this collection for 2 years and they continue to violate my rights as a consumer. I have submitted all documentation to XXXX and the Collections company that this debt is not mine yet they have not shown me where this debt has been validated. No signature of mine on any contracts. 
They have refused to remove this collections. I have been told by several attorneys that this collection company has the credit bureaus I. Their pockets. 
I am prepared to file suit all the way to Supreme Court because they are violating me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, synchrony bank, has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. XXXX and XXXX both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  Account number : # XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this Complaint against Radius Global Solutions LLC for committing identity theft. I have never given Radius Global Solutions LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 1692c ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until Radius Global Solutions LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them and also provide me with your errors and omissions insurance number. Are you licensed and bonded to collect in the state of Louisiana? I provide proof Im requesting all information. If this documentary evidence can not be produced and Radius Global Solutions LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and Radius Global Solutions LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and Response are both Requested and Required. Radius Global Solutions LLC
Product: Checking or savings account

My debit card from Chase was used at a gas station for the amount of XXXX on XX/XX/18. I have never been to that gas station before, nor have I ever spent that much money at a gas station. 

I have disputed this charge twice and both times, Chase has said that the payment was authorized since it was a pin transaction.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD TWO LATE PAYMENTS ON AN ACCOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURACY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT RE XXXX XX/XX/year> XXXX XXXX  / XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENTS WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. THANKS
Product: Credit card

I called American Express to have an authorized user to be removed from my account and the representative mistakenly closed my entire account! When she did that she also forfeited all my membership rewards points! I was told many times that they would re-open the account and they never did after weeks of calling. This was confirmed by XXXX, badge number XXXX. I was lied to and their inappropriately closing my account caused me a financial loss by the loss of my points. I am outraged. I never authorized the account closure - ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is inaccurately reporting late payments to credit bureaus, as account has been closed well over a year, and was reported as fraudulent and is not reporting as such. I have called the company multiple times to get this corrected to no resolve.
Product: Debt collection

I am reaching out to file a formal complaint against American First Finance for their inaccurate and conflicting credit reporting practices, which are not only adversely affecting my credit score but also my financial well-being. I have encountered a glaring discrepancy in how American First Finance is handling my account, wherein they have reported it as charged off, yet simultaneously, they are reporting a balance owed. This contradictory information is confusing and misleading, resulting in significant negative implications on my financial reputation. 

This practice by American First Finance, I believe, is in violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). Section 623 ( a ) ( 1 ) ( A ) mandates that a furnisher of information to credit bureaus must ensure that the information they provide is accurate and complete. Additionally, Section 623 ( a ) ( 5 ) specifically addresses the responsibilities related to reporting a charged-off account, stipulating the requirement to report the date of delinquency which precedes the charge-off, ensuring accuracy in the consumers credit report. The current reporting state suggests a misunderstanding or misapplication of these crucial legal standards, impacting consumers unfairly. 

Furthermore, the dual status of my account as both " charged off '' and with a " balance owed '' directly conflicts with the principle of accurate reporting under the FCRA. It misrepresents my financial liability and paints an inaccurate financial picture to future lenders and credit evaluators, thereby violating my rights as a consumer under the FCRA to have accurate, fair, and truthful information reported about my financial status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report on multiple different ones such as XXXX XXXX  etc. Transunion is showing XXXX XXXX XXXX  Original Creditor Name XXXXXXXX XXXX XXXX I don't recognize this account. It states it was opened XXXX and I did not open any account. Also there are inquiries in my report that I didn't do.
Product: Debt collection

Discover stated they issued a XXXX form and still trying to collect money for {$3500.00}. 

Discover stated they issue the XXXX on XX/XX/XXXX, XXXX if I got to report the income on my taxes why do I need to pay discover? 

Was the balance cancel? 

if so, updated credit report to {$0.00} when will I get the XXXX form? if so upload here?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I read about the class action suit against Navient, formerly XXXX XXXX. I would like to stay informed as I believe I am a victim of misinformation, deception around repayment options. I graduated from XXXX XXXX in 1995 ... yes 1995 - 23 years ago! I have paid my loans for years, however at various times ran into financial difficulty, job layoffs, had children and could not work and simply financial hardship. The interest charges have accumulated SO MUCH over the various forebearances that were suggested to me that as of today my balance due is MORE THAN the original loan amount! I owe more today than the amount I borrowed 23 years ago! Time after time I called to discuss financial hardships and was immediately pushed towards forbearance. At times I was told there was no option to lower my payments and I pushed and they were able to find a plan for me. I was told I am not eligible for any type of loan forgiveness & that as part of the income sensitive repayment plan even if I'm on it for 25 years that this program is not eligible for loan forgiveness. I had to claim bancruptcy about 10 years ago & was told i could not include my XXXX XXXX student loan. I will die someday with this student loan debt! I will never pay it off. I am currently on the income sensitive repayment plan that I have to renew yearly. Reading the article really hit home and I hope these thieves are ultimately the ones that lose out after they have contributed to stress and anxiety that so many suffer from due to debt that is suffocating them ... all while these executives collect XXXX dollar bonus checks comprised of hard working, bill paying American citizens!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX  with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX a payment in full of {$250.00} was made to my Macy 's account, after which a return of {$47.00} was made and credited to my account. On XX/XX/XXXX I chatted and spoke with XXXX XXXX to request a refund check for this credit balance. She stated a refund would be received with in 7-10 days and a confirmation email would be sent- which I received stating a refund check was issued and will be received in 17 days. 
I followed up on XX/XX/XXXX with a chat with XXXX XXXX XXXX confirmed a refund was issued on XX/XX/XXXX. I pointed out that the credit balance still shows on my account. He then stated he would raise a dispute and again I was assured that a check would be delivered within 7-10 days. To date, XX/XX/XXXX, I have not received a refund check, however, the credit balance has been removed from my Macy 's account, currently {$0.00} balance. 
As you can calculate, this has so far been a process of 8 weeks, confusion and a lack of follow-through on the part of Macy 's protocol, management and employees, and phone holds that last 30 minutes plus. Disappointed and frustrated is an understatement when I have been a Platinum customer for years, and I have made my payments promptly to Macy 's! 
I certainly hope you can assist me with this seemingly minor situation. I am able to summit copies of chat conversations with the above employees of Macy 's if needed. 

Thank you so very much for your time and assistance! 
XXXX XXXX XXXX