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

Request for Assistance with Unresponsive Lender - Experian # Your dispute report number XXXX Dear Consumer Financial Protection Bureau XXXX CFPB ) Team, I hope this message finds you well. I am writing to seek your assistance and intervention in a matter concerning my lender, XXXX XXXX, and their refusal to respond to my attempts to resolve an outstanding credit issue. 

My name is XXXX XXXX, and my Experian dispute XXXX I have been diligently attempting to communicate with XXXX XXXX XXXX an outstanding credit issue that has been affecting my financial situation. Despite my repeated efforts, I have encountered extreme difficulty in reaching them and securing the necessary assistance. 

Specifically, I have been leaving voice messages with the XXXX XXXX Department at [ XXXX XXXX ], as this department is designated to help borrowers in situations similar to mine. Unfortunately, my numerous voice messages have gone unanswered, and I have not received any acknowledgment or response from XXXX XXXX. 

I would like to emphasize that my intent is not to avoid resolving my financial obligations but rather to engage in a constructive dialogue with XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX FL to reach a mutually agreeable solution. However, their lack of communication is hindering my ability to address this matter effectively. 

Given the urgency of my situation, I kindly request your intervention and support in facilitating communication between me and [ XXXX XXXX ]. Your involvement would greatly assist in resolving this matter promptly and fairly. I am eager to work towards a resolution and fulfill my financial obligations. 

Please find attached any relevant documentation related to my outstanding credit issue for your reference. 

I am grateful for your attention to this matter and look forward to your prompt response. If you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your time and assistance in helping me resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX mortgage Loan # XXXX Owner Acct # XXXX Contract # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX United States Account # XXXX Offer Code : XXXX XXXX Nights XXXX XXXX accommodations Complimentary Extra Night For Sun-Tue Arrival QTY : XXXX {$100.00} Dining Dough Reward Card QTY : XXXX XXXX XXXX Getaway {$100.00} Dep QTY : 1 XXXX XXXX XXXX XXXX Certificate Or XXXX XXXX Certificate
Product: Mortgage

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2015 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX Acct # - XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We continue to get automated calls from LEADING EDGE XXXX at our number, although we are new customers assigned the phone number.
Product: Credit reporting or other personal consumer reports

The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the XXXX XXXX XXXX XXXX were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXX XXXX  which was from granted from the federal government student aid and from Nelnet XXXX XXXX. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied for bankruptcy years ago ( around 2010 ) after the housing market. I was able to keep my house but under the impression all my debts had been cleared. Last year out of the blue, Specialized Loan Service started foreclosure processes on my home. My daughter was able to lend us the money, but this is putting my in a financial bind and I believe the statue of limitations had already passed.
Product: Credit card

Paypal Inc ( Ca XXXX of XXXX No XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX sent me a statement dated XX/XX/XXXX stating that they haven't received my XX/XX/XXXX payment for XXXX. They also charged me a {$41.00} late fee on XX/XX/XXXX. I contacted my bank that the cashiers check was drawn on and had the bank to send me a copy of the cashiers check that was cashed by XXXX Bank posting XX/XX/XXXX. Paypal did receive my payment and I am not sure whose account they credited my payment to. I do not owe {$240.00} payment as they have stated with any late charge. I make my payments each month timely. I pay at the beginning of the month even though the payment is not due until the XXXX of each month. XXXX XXXX XXXX XXXX  is reporting wrong negative things against my name and my credit. Please make them go back and find out whose account they credited my payment towards. This is clearly their mistake. 

A XXXX XXXX XXXX  complaint was also submitted against this company. They have all these complaints filed against their company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I noticed that on my account an unauthorized charge of {$150.00} was being sent to someone I didnt know through the app XXXX. I looked at the charge but I didnt know who this was. My information was hacked. I called my bank immediately and told them about this fraudulent charge and they said they would block the charges. I also told XXXX that I dont recognize this user and that my information had been compromised/ fraud. 
XXXX still paid the other person even though I told them it was fraud. I closed my XXXX account, but XXXX is still saying I owe them {$150.00} for chargers I never authorized. I have since change all my passwords because my email was also hacked. I will not be responsible for this charge due to criminals trying to steal money from account users. Shame on XXXX for not protecting their customers and not listeing when I told them in advance this is a fraudulent charge.
Product: Debt collection

I was a victim of identity theft. I provided the collections agency for proof since it wasn't me and I have proof that it wasn't. I also contacted the apt complex who said the lease was made which is now under different management
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX ccount after being dissatisfied with the products and closed the account. Comenity bank charged me a fee {$25.00}. I could not call the bank only XXXX XXXX accepted the calls and I had to write Comenity only with my complaint. I received a response telling me to give evidence of my phone communication, which I did. I paid the bill after it reached {$110.00}. and attempted to resolve the issue and ask them to return my money once u sent them the transcripts proving there was phone communication to close the account and pay off debt. Commenity bank has ruined my credit and fraudently charged me late fees
Product: Debt collection

Jefferson Capital Systems, opened XX/XX/XXXX XXXX XXXX  in the amount of {$330.00}. I had no acknowledgement of this account. Ive asked numerous times could they remove account I never got a XXXX account. 

State of MI/ Office Child Support opened XX/XX/XXXX in the amount of {$65.00} Has the wrong address attached and this is a violation of rights to privacy 15 usc 1681a ( 4 )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy.

>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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.

>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I am writing to formally file a complaint against LVNV Funding LLC, represented by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, regarding its handling of my account number XXXX. I believe that LVNV Funding LLC is violating my rights under the following federal regulations : *1. Violation of 12 CFR 10026.34 ( b ) ( 5 ) * LVNV Funding LLC has engaged in unfair practices in its attempts to collect this debt by misrepresenting my obligations. This regulation prohibits deceptive representations or the omission of material facts that mislead the consumer regarding their debt.

*2. Violation of 12 CFR 10026.34 ( c ) ( 4 ) ( i ) * LVNV Funding LLC has failed to provide clear and accurate communication regarding the status and details of my debt. This section mandates that a debt collector must promptly communicate with the consumer regarding disputes or inaccuracies, which has not been done in my case.

*3. Violation of 12 CFR 10026.34 ( d ) * LVNV Funding LLC has continued to attempt to collect this debt without properly investigating or validating the debt despite my formal dispute. This regulation requires debt collectors to halt collection efforts and investigate once a dispute has been raised, which they have failed to do.

*4. Violation of 15 USC 1681-s2 ( 7 ) ( a ) * Additionally, LVNV Funding LLC is not adhering to the Fair Credit Reporting Act, specifically under 15 USC 1681-s2 ( 7 ) ( a ), by furnishing inaccurate information to credit reporting agencies regarding this disputed debt.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that LVNV Funding LLC complies with all applicable federal regulations. Furthermore, I ask that LVNV Funding LLC be required to cease all collection efforts until a thorough investigation and resolution of my dispute is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account with Capital One Bank USA NA has been closed and charged-off since XX/XX/2017 in the amount of {$670.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Debt collection

I received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.
Product: Debt collection

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX and had XXXX insurance through the XXXX XXXX XXXX through the end of XX/XX/XXXX due to my husband and the city decided to part ways due to complicated issues / employment. He was not terminated.

The insurance through the XXXX XXXX XXXX was supposed to pay the pre-approved XXXX billing in full however did not pay XXXX.

I told Knight Adjustment Bureau about the insurance issue however they insisted that wasn't their problem and I owed the debt they were collecting on behalf of XXXX XXXX.

In XX/XX/XXXX I was finished arguing with the collector and paid the XXXX plus a XXXX processing fee. During that phone call I was told I would receive a letter that showed the account was paid in full and also reassured that THE MEDICAL DEBT WOULD BE DELETED FROM MY CREDIT REPORT.

They stated it would take up to 30-60 days from the payment processing on XX/XX/XXXX. I called at the XX/XX/XXXX and they now stated that I had to dispute the medical debt through each of the credit bureaus for it to be removed.

I completed this and was declined when the credit bureaus reached out to Knight Adjustment to remove the medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following XXXX XXXX XXXX XXXX inquiry date. XX/XX/XXXX XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX inquiry date. XX/XX/XXXX XXXX XXXX  inquiry date. XX/XX/XXXX
Product: Mortgage

I had a late payment that was 30 days late in XX/XX/2019. I quickly caught my payment up. The reason I was late was that the omnibus hadn't been signed yet and I was furloughed. As soon as I was reimbursed, I paid the payment. I had never been late prior to or since then. I've asked the company to make a good faith revision of the credit reporting and they refused. It's just not fair that the government budget wasn't signed in time and my credit suffers. Especially when I have an impeccable payment history. It had never occurred before or after this. This is really hurting XXXX employees if they don't have savings to cover the bills due while missing paychecks.
Product: Bank account or service

Amex debit {$52.00} dollars on my account on XX/XX/XXXX for the XXXX. But the XXXX contacted me that they never got the money so I Called amex and they keep running me around with total nonsense. 
I did everything in myside and they deliberately try to defraud me by not either paying XXXX or refund back my money.
Product: Debt collection

XXXX XXXX XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX Experian XXXX and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 



In accordance with the Fair Credit Reporting act, a inaccurate a hard inquiry from XXXX XXXX XXXX on XX/XX/year>. All the accounts are falsely on my Experian, XXXX XXXX and XXXX consumer credit profile. I would like these accounts deleted with in XXXX  days of receiving this complaint. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Not sure of the dates nor times of these transactions because I did not do them. This was done fraudulently. Please help me get this cleared. I have attached a report of the following agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a discover account the reflecting 4 late payments the account is paid in full an I would like these removed so that I can have my 100 % payment history that I earned
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX 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 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Product: Debt collection

This debt appeared on my credit report prior to having received any information about the debt at all. It was reported days prior to receiving notification. No information was received from who they claim the current creditor is nor from who the original creditor they claim is. I disputed the debt and requested validation and it reappeared on my credit reports within 2 days without receiving any verification or validation from anyone that the debt is valid. The dispute results gave no information as to what was updated after the dispute. It only said account updated, and the information was exactly the same as it was prior to disputing. I have absolutely no idea what this debt is, why they claim I owe it, what it was for, etc.
Product: Money transfer, virtual currency, or money service

Okay so I was scammed twice one from a person who i commissioned for work on a XXXX XXXX XXXX and they charged me over XXXX $ for the design and animations they proceeded to ban me and remove me from all their social media and never sent me anything on that so I went to cash app to ask for a refund and I even did a fraud/scam and gave them screenshot and they blocked me from transferring any money out of my account and also blocked my paychecks from coming in also The second time I had a XXXX $ purchase from a company called XXXXXXXX XXXX and they were supposed to give me a XXXX XXXX XXXX and they sent me the wrong size and they also tried to charge me to send it back and to send it back was XXXX $ after I asked about the warranty they stopped responding to any and all emails even from new emails I found out the company scammed everyone who ordered their product