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

These fraudulent inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCarmax Auto Finance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an account opened fraudulently to XXXX XXXX using my personal information in XX/XX/XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or Chexsystems, nor removed the accounts from these reports as they were opened fraudulently
Product: Debt collection

Back in 2013, I had an XXXX XXXXl stay in XXXX XXXX ( I was a XXXX XXXX at the time ) for shortness of XXXX and XXXX. The XXXX  diagnosed my condition as XXXX. My health insurance denied the claim as a pre-existing condition. My provider was XXXX XXXX denied the claim of XXXX. I started getting notices from a debt collector " XXXX XXXX '' that I owed the total hosptial bill. The debt collector has now frozen our check, savings, lock box, XXXX XXXX XXXX accounts to satisfy XXXX. I received XXXX as my only income. My husband is the sole provider of our household. What are my rights? The monies that were frozen were my husbands paychecks. He wasn't even in the picture when this all occurred. But yet he is the one paying the price for this event. By law they can not take my XXXX.
Product: Debt collection

THE COMPANY, PROFFESIONAL COLLECTIONS SERVICES, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 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 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: Money transfer, virtual currency, or money service

Hello! 
My name is XXXX XXXX! and I'm the XXXX  of the " Payward '', " Kraken '' : Kraken Account XXXX XXXX XXXX. 

I'm having the issue with " Payward '', " Kraken '' Kraken Company, they just few hours sent me a mail that unexpectedly my account will be closed without reason. Also my balance can not be withdrawable in assets. 

I have clearly replayed mails with them without finding a solution. 
They want that my balance to be withdrawn by bank account, But since i own an asset in lost of price and value i can not withdraw them by bank. 
I have already explained them that this asset must be withdrawable in Virtual Currency as it is without exception, and i will conserve that in other place. But they refuse this solution and claims that i have to convert my assets in cash to withdraw them. 
But since the loose is a considerable amount for me I'm not gon na accept their enforcement to oblige me to convert the amount as like that they don't loose their money only my money. I have offered to them several solution for this but they refuse it. 

As far i have read to many of the reports recently i think " Payward '', " Kraken '' Company is taking further steps to a massive scam where i think I'm a victim too. 

I would like to have you support and solve this matter where they involved me. 

Thank you Kind Regards
Product: Credit reporting or other personal consumer reports

I am sending this request again to dispute the inaccurate reporting of a XXXX account on my credit report. Upon reviewing my credit report, I found that XXXX is reporting the information correctly, while the Equifax and XXXX credit Bureaus is not. XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian FAILED to provide the information that I requested after my dispute was verified regarding my dispute pertaining to CFPB # XXXX. Today I received the results from experian and their agency failed to send the information within 15 Days and I am a federally protected consumer that has a right to pursue monetary compensation because experian did not send me the specific information that I requested regarding XXXX XXXX XXXX XXXX bank totally ignored the fact that they did NOT provide any PROOF that they did not exceed conducting their investigation regarding my dispute that I submitted via CFPB # XXXX on XX/XX/year> was received by experian on XX/XX/year> and did not receive results via CFPB Portal until XX/XX/year> that is in violation of FCRA 611 and more than 45 days. I demanded deletion due to this violation and now find Experian to be in violation again because they violated 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) that I requested specific information in accordance with these statutes. I requested the procedures that were used that led to my dispute to be verified.I also requested the name ( s ) of the person ( s ) that experian spoke to along with their telephone number ( s ) and address.

I should by law received this information and experian sent me NOTHING that even remotely resembles what the law requires. Additionally, experian FAILED to send me this information which also places me in a position to receive monetary compensation due to their untimely reponse again. I am pleading with the CFPB to provide me monetary compensation and removal of XXXX # XXXX.
Product: Mortgage

I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX responded to a complaint stating the account was terminated and not being reported to any bureau. I then filed a dispute with Experian to remove account from my consumer report because it is reporting inaccurately. Experian sent me an email today stating that the company XXXX verified the account. How was the account verified and it has been terminated. Experian is reporting inaccurate accounts to my consumer report. Experian is violating my consumer law rights by knowingly reporting inaccurate accounts to my report. I have enclosed copies of the letters to support my complaint.
Product: Credit reporting or other personal consumer reports

I have been a Bank of America customer 14 years. Inadvertently I underpaid the {$35.00} min pmt due XX/XX/24 by {$10.00} on XX/XX/24, card ending XXXX. The next statement I received for this card on XX/XX/24 stated a min pmt due of {$47.00} on XX/XX/24 including the {$10.00} underpayment. I received a XX/XX/24 letter stating my credit line on this card was reduced from {$8000.00} to {$2900.00}, evidently because I didn't pay the {$10.00} underpayment before XXXXThey also reduced my credit line on card ending XXXX from {$7500.00} to {$2100.00} on XX/XX/24. For that card I made a {$2400.00} on XX/XX/24 towards the {$44.00} min pmt due XX/XX/24 leaving a {$2000.00} bal due. To add insult to injury my XXXX cr score reduced from XXXX to XXXX and my XXXX cr score reduced from XXXX to XXXX on XX/XX/24 because of all the above. I have been grossly unfairly penalised by these abusive unreasonable actions taken by Bank of America. I ask you to help rectify these actions. I am XXXX  years of age and have never been so unfairly treated by a bank.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info. 

FTC Report XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified an account that may be inaccurately reported. 
Below are the account details I am requesting to be reinvestigated : Account Name : XXXX  Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 
Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX National Credit Audit Co XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount of {$2500.00} in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
I am willing to pay the amount of {$2500.00} as settlement for this debt in exchange for your agreement to the above terms within XXXX calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$2500.00} electronically. 
If I do not receive your response to this offer within 30 calendar days from the date of this letter, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened an account with Kikoff. The agreement was for XXXX dollars a month for 12 months. I paid on time and completed the agreement. Since the time that I started the account, I have changed emails, phone numbers and I do not have access to the old Kikoff because when I was done I deleted the app. They continue to charge my bank account XXXX dollars which is XXXX dollars more than what I was paying before after I was done with the one year agreement.. I did not notice they were still charging my account until I switch banks, and Kikoff reported I was over 30 days late. I finished my 12 months XXXX dollars a month agreement and they continued the account after I completed it and increase the amount to XXXX dollars. It is not about the money I have money, but I had a perfect payment history for the last XXXX years of trying to build my credit and now I have a late payment 30 and 60 days more because I can not make a complaint with Kikoff directly because I no longer have access to my old phone email or app information and when you go on to their site to complain they want a account number for you to submit a ticket for a complaint. So I cant resolve it through them. I contacted the XXXX XXXX XXXX and Kikoff repeatedly sends the same that they are legally obligated to report the correct information and they are not responding to my particular situation. Theyre giving a generic response.. I dont see how they can charge me for being late when they kept the account going for longer than I agreed when I finish the one year and close the account. So I have no way of logging in for a complaint. I have no way of talking to a real person at Kikoff, and they have now made my credit go down for late payments when I had a perfect credit history for the last XXXX years. It is ridiculous that you can not reach anyone or do anything when you are locked out and have none of the same information you had when you open the account year or more prior. I would like them to remove this from my credit history because I have not missed any payments on any of my bills. I have a good income and I do not care about paying a little XXXX dollars a month but I do care about them, being con artist, and charging me after my account was complete. Without my knowledge I just did not realize it until I switch banks, and they no longer were able to take the money out without me realizing, somebody needs to stop this and I need this handled
Product: Credit card or prepaid card

CAPITAL ONE is reporting on my personal credit file. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

( CAPITAL ONE XXXX )
Product: Debt collection

I paid off my debt in full, 2 weeks ago to Collectech Diversified XXXX XXXX XXXX XXXX, TX XXXX and on the same day I paid off two other accounts to two other debt collections agency ( XXXX XXXX & XXXX XXXX XXXX XXXX ) XXXX and XXXX have already sent my updated info to the credit bureau and my credit report has been updated thanks to them. However COLLECTECH DIVERSIFIED has yet to update the information on their end and I believe this is because they are intentionally sitting on the information instead of filing it in an efficient manner due to my previous complaint. COLLECTECH DIVERSIFIED is a small hole in the wall company their work load is tiny compared to these other two efficient corporations. COLLECTECH DIVERSIFIED has no excuse to continue sitting on my credit information. I write this to stress my greatest concern at the facts that this small business lacks the professional capacity to handle such delicate information as people 's debt info. They clearly have no respect for individuals who want pay off debt and due to their level of untrustworthiness which has been highlighted by HUNDREDS of other individual 's complaints, I don't trust this company will update my information in a timely manner. My information should not be at the hands of spiteful unprofessionals who refuse to do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

Collection account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by XXXX XXXX XXXX ( XXXX ) and are now being erroneously pursued by Receivables Performance Management ( RPM ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).
Product: Student loan

Back in XXXX, I was told my account was on an Income Based Repayment plan. Then in XXXX when I looked to see how much I needed to pay, it said I was a level payment plan and owed over {$700.00} per month. I immediately applied for the SAVE plan and was told it could take up to XXXX  days to get approval and that my account would be put into forbearance until the end of XXXX. I never heard anything back from them. I then saw that my level plan was back and I owed over {$700.00} again. I sent a complaint, I tried waiting on the phone, which I ran out of time being on hold. I have gotten no response, none. I have now missed a payment, which I have never done prior to this. I did submit a complaint to Studentaid.gov, but haven't yet received anything either, it hasn't quite been XXXX days yet. I can not get any information from Mohela. I can not afford to make those payments.