23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The CBE Group is reporting an account on my credit that is invalid. There is no contract associated with this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was looking to invest into cryptocurrency. I found an app called Gemini Trust LLC and I opened an account and deposited {$100.00}. My bank clears deposits within XXXX to XXXX business days. I went into the account to check and see if my verification had processed but 14 days had passed and I became worried. I contacted Gemini by email but I received some type of Automated response which I never received any help afterwards. I found a phone number for XXXX XXXX and I called the phone number but someone on their end kept on hanging up the call. I called and left a message and within XXXX minutes the call was answered by some XXXX guy. I asked him why did I not have access to withdraw my money and he said that my verification was processing but I told him that 15 days had passed and I was worried about fraud. He kept on assuring me that it wasnt fraud and that maybe my bank hasnt cleared my deposit. I went ahead and contacted my bank and they told me that the deposit had cleared and that XXXX XXXX had my money and there should be no issue with me making a withdrawal. Its XX/XX/XXXX today and my account is still saying pending verification and I still cant make any withdrawals from my crypto wallet. I believe this company is doing something fraudulent because I read many concerning reviews from other Consumers who are also experiencing the same situation. This company needs to be investigated immediately.
Product: Debt collection

I have asked for proper valiadation from Portfolio Recovery stating that I owe a debt. They have not sent me the proper documents such as signed contract with my signature, just photo copies of statements that do not show i ever opened an account. The law clearly states that in order to validate a debt they are trying to collect they have to prove the account is mine and they have not proven that. I was a victim of fraud my ex took out accounts in my name im assuming and i had no knowledge of these debts. I have tried many times to receive proper validation and this company has yet to do so which is against the law. I am a XXXX XXXX  and this negative reporting is negatively affecting my credit and causing me a great deal of stress because i cant rent an apartment of my own because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days
Product: Credit card

On XX/XX/XXXX I had to change my automatic payment data with Elan financial due to a security issue with the account payments were made from. 
From that time on when logging into the account, I was faced with a banner that stated the automatic payment could not be made by the time it was due and I was advised to make a manual payment. 
Since the payment was due on XX/XX/XXXX, I submitted a manual payment on XX/XX/XXXX. That payment was processed and {$2600.00} was taken from my account as I directed. Elan financial then submitted a second payment and withdrew another {$2600.00}. 
Obviously the message that Elan gave me was false and do to their false information, they wrongfully took that money from my account. I discussing this with Elan, they said they could not guarantee when the money would be returned to my account. Regardless of when the money is returned, this is a case of fraud, using false information to obtain money they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$4200.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, tx XXXX is falsifying amounts owed after move out to sell to national credit systems for personal profit. they still attempted to collect payment even after the account was sold. i provided documentation i gave my XXXX  days and vacated the unit and the offices response was to add an additional XXXX XXXX to my outstanding balance. they are acting outside the terms of the lease agreement and are doing so with intent. this falsified debt has already hit my credit report and the XXXX  company is not attempting to remedy the inaccurate information.
Product: Debt collection

Portfolio Recovery has three different dates on my three credit report They have no exact date of my first date of delinquency. I have reported this account was reported late with the original creditor on In XXXX of XXXX and the seven year window for removing this account is XX/XX/XXXX. My XXXX, XXXX. and XXXX all have different dates when this account to he removed. They only have a partial file and do not have the whole credit reporting from the original creditor.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Student loan

I was part of an IBR with College Foundation of North Carolina. When I needed to redo my paperwork there was an error in the initial application. I immediately sent in a new application. In the interim I began to receive invoices for upwards of $ XXXX {$900.00} per month, far beyond my means. I spoke with representatives and the gave me a forbearance while the problem was resolved. During this time I still made some smaller payments to show good intent. I never received notice that the forbearance was up, but did start receiving bills for $ XXXX again. I continued to make small payments and reapplied for an Income Based Repayment plan. I finally received notice that my application was rejected because I was already on an IBR. I never received notice of my IBR being accepted and was unaware of the proper amount I was supposed to be paying ( the website was down for maintenance for months ). In the meantime, CFNC reported me as 30/60/90 days late on my payments. Since I technically have 4 separate loans, this report lowered my credit score by almost 150 points overnight. I have disputed the credit reporting multiple times and written a letter of goodwill, but have been resolutely rejected. I am trying to refinance a home right now and can not do so because CFNC 's callousness is beyond the imagination.
Product: Checking or savings account

Hello. I am XXXX XXXX. Answer to complaint XXXX. Sorry why you can't see any account actions. ( Just see a few small actions ). And you answer a scam story. I will complete a XXXX XXXX card and a XXXX card. I can see all my actions. And a Best Buy card I can't see any actions and can't check my account. That's why I don't use a Best Buy card. I am XXXX and have a lot of banking experience. And you're wrong with the public. Every citizen should look for and follow his account. It's just wrong. I have contacted you on the phone and you have no answer. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX : We entered into a refinance for our primary home with XXXX with Mr. XXXX XXXX after a great sales pitch. Mr. XXXX promised to close the refinance in 45 to 60 days. We have done a refinance previously on our home so we understood the process and documentation needed. 

XXXX : 60 days passed with no processed loan. The lender charged us {$750.00} in pre-paids, {$150.00} in application fees, and {$600.00} in appraisal fees. We requested updates weekly but the loan processor and the mortgage broker provided no details or status of our refinance. Every few weeks the loan processor would sporadically request new documents and we would respond quickly. 

XXXX : We received an email from the Mortgage Rep stating that he was leaving the company because he did not receive sufficient support for processing the loans he was originating. We asked to get our prepaids back because it was close to 90 days since the process started, but he did not respond. 

XXXX : We then reached out to another person ( XXXX XXXX ) that we were working with at XXXX to get our prepaids back and to terminate the loan. XXXX included 2 more people, Mr. XXXX XXXX & Mr. XXXX XXXX, who requested that we terminate our loan in writing without confirming whether they would refund get our prepaids. We confirmed termination of the loan on XX/XX/2021, almost 115 days since the process started. Upon receiving the Notice of Adverse Action on XX/XX/2021, we were told that they would not refund our prepaids. 

We were extremely frustrated with 1 ) the lack of transparency of the status of our refinance 2 ) no progress after over 90 days and 3 ) no refund of our prepaids after terminating. We wasted time and money with this company.
Product: Mortgage

I lost my job in XX/XX/XXXX. I contacted my mortgage company XXXX XXXX  XXXX, they did a modification to raise my payments from XXXX to XXXX. I could not afford that. They transferred my loan to Midland Mortgage Services who filed Foreclosure in XX/XX/XXXX. I put the house up for sale because I had some equity in it XX/XX/XXXX. I contacted Midland and the Foreclosure Lawyer XXXX, XXXX, XXXX XXXX XXXX, XXXX. to let them know the house was listed for sale. On XX/XX/XXXX we got a contract and asked for a payoff amount. We sent over the ratified contract and the buyers lender approval letter to Midland and XXXX, XXXX, XXXX XXXX XXXX, XXXX. the foreclosure lawyer. Settlement was scheduled for XX/XX/XXXX, we went to settlement XX/XX/XXXX and the amount of the payoff had increased XXXX for legal fees. I walked away with XXXX proceeds from my house. In reality I should have walked away with at least XXXX. Plus, a water bill of XXXX  was paid three days before settlement by my tenant and they took that. This is outrageous! I have complained to all parties, and no one will get back to me. I am owed at least XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2018, I received an email that my credit account ending in XXXX was late and the payment was due for {$230.00}. I am not sure why the payment I late as have it setup on reoccurring payments. Please review as I have never been late on my account before. I need for my account to be reviewed and If anything has been effected I need it to be corrected. As, I received a notification on XX/XX/2018, and I was never notified about any late payments prior too. I need any late fee or additional interest waived, and if any credit reporting has occurred removed.
Product: Money transfer, virtual currency, or money service

I am writing to offically express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit. Despite trying to handle issues within Zelle or Zelle representatives nothing was handled or resolved appropriately. My financial institution and Zelle failed to investigate my claims adequately. I sold a vehicle to another person. That person, himself, sent the money to my account. The amount of {$1800.00}. He then disputed something with the bank through Zelle and was given money bank unauthorized from my account. He still has the vehicle he paid for and he now also had money back. I now do not have the vehicle or the money. I was told there is nothing else I can do and basically I am out of luck. I was not asked for proof of transaction or anything. I do have proof he bought and still has the vehicle but nothing can be done. I do not believe the banking representatives did any investigating or anything.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX Complaint # XXXX Macys account ending in XXXX ( closed ) On XX/XX/2021 I have received Macys response XXXX fraudulent macys account. On this letter the company stated that the account has been verified and it belongs to me. On XX/XX/XXXX of XXXX I've received a letter in the mail from macys regarding this same account, but this time Macy stated that they will investigate the issue. It's now XX/XX/XXXX and still no update. I will attached additional information regarding this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an 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 purpose. 

XXXX XXXX XXXX XXXX- reporting late on XX/XX/XXXX is INACCURATE. Payment was made on time. 

XXXX XXXX XXXX reporting 90 day delinquency XXXX - INACCURATE. Payments were made ON TIME. 

XXXX XXXX - reporting late on XX/XX/XXXX - INACCURATE. Payment was made ON TIME. 

XXXX XXXX XXXX - reporting late on XX/XX/XXXX and XX/XX/XXXX - INACCURATE. Payment was made ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious that this company has not notified me of an investigation and it has been more than 60 days since I asked them to initiate an investigation. Under the FCRA, this company must investigate any inaccurate items on my report within 30 days receipt of the letters I sent them. If they are unable to than they must remove the items in question from my consumer report! 

1. Under 15 USC 1681 ( a ) 4 you are in violation of my right to privacy and information that is on my credit report that I deem PRIVATE is a violation and must be removed. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Please investigate that this account is reporting 100 % accurate. This Charge-Off Account is showing a Late Payment Status. That is a FCRA violation. This account is Innacurate and must be removed XXXX Account NumbeXXXX : XXXX Please remove this inaccurate information from my credit report. 
3. Please investigate that this account is reporting 100 % accurate. I notice many errors which is a FCRA violation. This account is unverifiable and inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Please investigate that this account is reporting 100 % accurate. This Account 's date of Last Activity is not 100 % accurate across each Credit Reporting Agency. That is a FCRA violation, and this account must be removed. 
11 XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.