23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have previously communicated that this debt is not valid and they have not provided proof of the debt, nor have they stopped contacting me. the most recent collection efforts include someone calling from an unidentified number ( They blocked it ) and leaving a message where they did not say where they were calling from or identify the company. they asked to have my attorney contact them and gave and " agent '' number. 
1 ) this is blatantly abusive and deceptive and a violation of UDAAP. You can not contact someone and not provide information while hiding behind the title agent, like you work for the federal government. 
2 ) when I called back to figure out who was contacting me, I recognized the name, XXXX, as a company who I have disputed a debt with, this is not mine and I will not be threatened of coerced into paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or Discover reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.
Product: Credit reporting

Experian has repeatedly released my credit report to XXXX XXXX. I have complained before ( Though CFPB ) and all they do is remove the inquiry. These are account review inquiries and I DO NOT HAVE AN XXXX XXXX ACCOUNT. That is clear from my credit report. I have opted out of marketing emails for LIFE and also have a security freeze on my account. There is no reason for them to release my report without my authorization to a company that I do not do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX  phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.
Product: Credit card

In XX/XX/2024, we opened a XXXXXXXX XXXX XXXXXXXX credit card ( serviced by Synchrony Bank ) that offered 0 % interest on purchases for 18 months. On XX/XX/2024, we received a letter from Synchrony Bank that they intend to charge a {$1.00} per month for a monthly paper statement and that they intended to charge a 2 % Promotional Fee on purchases to our account. While we were able to pay the remaining balance and close the account, for anyone not in a position to do that would incur unexpected fees and interest charges with little warning. They also charged a late because we did not provide a payment ( we were not obligated to make any payments for 18 months ). This company appears to suck you into a great no interest for 18 months then charge you late fees for not making any payments which they claim to be waived for the initial 18 months. Please call if you need any further information.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The unauthorized access to my personal information has resulted in these accounts being fraudulently opened or reported, and I ask that they be removed immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX {$00.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX {$35.00} INQUIRIES TO BE BLOCKED : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 card or prepaid card

Citi Bank has failed to give me the requested physical proof that the account showing on my credit report is verified and belongs to me. This is a violation of 15 USC 1681g ( c ) ( 2 ) ( E ). This is a {$1000.00} violation Citi Bank has included transactions on my credit report, which is a ( d ) ( 2 ) ( A ) ( i ). This is a {$1000.00} violation. 

Citi Bank has has furnished my report not in accordance to my written instructions. This is a violation of 15 USC 1681b. This is a {$1000.00} violation Citi has failed to send me any periodic statements for the alleged account belonging to me, which is a violation of 12 CFR 226.7 requires that a creditor to furnish the consumer with periodic statements. I did not receive a statement in XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, nor XX/XX/2022. This is a {$1000.00} violation per occurrence. 

I sent a letter to Citi Bank on XX/XX/2022. I followed up by contacting. Citi Bank about my concerns in which the agent refused to address my concerns unless I made a payment. I also sent Citi bank a letter on XX/XX/2022 and did not receive any remedy to my concerns and rights being violated.
Product: Credit reporting or other personal consumer reports

I have a few things on my credit report that no longer service me and I no longer have in my possession. I have tried disputing them on multiple occasions and yet was told the same thing everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There was a car loan that was taken out with XXXX XXXX The company listed on my credit report has 2 different names XXXX XXXX XXXX and XXXX XXXX XXXX The balance is XXXX and the date the loan started was XX/XX/2020. I informed the company that account does not belong to me and that I did not take out the loan nor did I have the car in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accodance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, 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: Checking or savings account

Binance a partner of BAM trading services inc offers a product called " XXXXXXXX XXXX XXXX XXXX XXXX XXXX transactions. Without notice or authorization XXXX of usdt was removed from my account. I approached BAM on XXXX occasions and all three tickets were promptly closed offering no response or resolution. 

Because BAM ignored and closed my support tickets, I went to their Binance partner / investor for resolution. They simply responded saying XXXX is a separate company even though Binance has financed them. 

A crime has been committed, i have lost XXXX dollars and I expect to be reimbursed in full. Trust wallet has been negligent, and it caused this lose due to lax application security. 
These tickets and reports will continue to be logged until i am satisfactorily reimbursed for my losses. 

If i am not reimbursed, XXXX will procedure with small claims legal actions against both Binance and Bam trading.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXXXXXX XXXX XXXX INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS
Product: Credit card

Three times in early to mid 2024 I contacted Avant to close my account while I owed {$0.00}. To date they still havent closed the account and are charging fees and interest.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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 cause significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent company. I am requesting all transactions with a company by the name XXXX XXXX XXXX, XXXX on my Simplicity card be disputed I paid them on XX/XX/2016, after they contacted me by an unsolicited telemarketing phone call.They charged me {$3000.00} for an online at home business. They charged me {$500.00} on my card and they were supposed to charge my bank account a monthly of {$120.00} per month. I cancelled my services with them within the 3 day cancellation period. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts and inquiries that have appeared on my credit report due to a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that all accounts and inquiries listed below be blocked and deleted from my credit report as they are fraudulent and unauthorized. 
Disputed Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$45.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX : {$540.00} Unauthorized Inquiry : XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter twice to Experian regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. Both times I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Experian able to prove the accuracy of the alleged debt? and what are you updating Experian? 

If Experian can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Experian is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
Product: Credit reporting, credit repair services, 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 # XXXX, Account # XXXX, Account #  15 USC 1681 section 602 A states that I have the right to privacy. 

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following Items removed now! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

This is with the closing attorney. I used a broker and subsequently Quicken loans. From initial LE to final CD Section H always stated that the owners title insurance was optional. Day before closing now, keep in mind I told my broker in writing from the initial LE that I did not want owners title insurance and the fee is still on the CD. I called the title company and they stated " owners title insurance is optional, just not optional here at our company '' and now it's too late to start over with a new title company so I am forced to pay XXXX that was in all actuality NOT optional. 

This is a deceiving practice and unacceptable behavior by a law firm. I have it in writing now from the law firm, and he states all email signatures state it's not optional but a buyer doesn't correspond with title, the realtors and the bank do, had I known up front they would not charge this, I would have gone with another company to close the loan.
Product: Debt collection

NO IS DUPLICATE. PLEASE INVESTIGATE THIS ACCOUNT the collection is reporting incorrect and inaccurate information about my credit., they report that the original creditor is them, as is possible. When I have never done any business with them, I ask for all validation and that it be exclusively in this medium, the day of care, the charges that were charged, the name of the hospital, the care codes, if you can not send this, stop reporting these accounts on my credit report. 
I ask for all validation and that it be exclusively in this medium, the day of care, the charges that were charged, name of the hospital, the care codes, if you can not send me this, stop reporting these accounts in my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplia
nce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Mortgage

I applied for a COVID-19 Mortgage Forbearance Plan with New American Funding at the end of XX/XX/XXXX. I received a letter that my plan was approved and would run through XX/XX/XXXX. I have been constantly calling in to the Home Retention department to check in, ask questions and make sure everything is okay. Each time I call, a representative explains that as long as you call in, they won't send out a Home Inspector to make sure someone still lives in the home. Also, during this time, you will not incur late charges or have negative information reported to the credit bureau. 

New American Funding is now harassing me and engaging in unfair collection practices despite approving me for a Forbearance Plan. I have been harassed with a barrage of email and XXXX XXXX  to remind me I am behind with payments. A home inspector was sent to my home on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the individual was lurking around the house and observing our comings and goings. On XX/XX/XXXX, the individual came back to visit. She rang the door bell, kept jiggling the door handle, then left a packet of information from New American Funding. 

Another issue is that New American Funding provided an official letter stating my plan expires XX/XX/XXXX and then sent an email indicating my plan expires XX/XX/XXXX, which is quite confusing. 

I have filed an official complaint via telephone on XX/XX/XXXX and via email on XX/XX/XXXX. There are several attachments to this CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud and currently dealing with the security breach with XX/XX/XXXX The following accounts have been submitted to the credit bureaus and I have an FTC Case ID XXXX and XXXX with XXXX. The following companies and accounts are the items I am reporting to the credit bureaus. These accounts were made and opened fraudulently and without my knowledge. I am a victim of identity theft and fraud since XX/XX/2007 since the age of XXXX. I am currently still in the military and have an extensive military fraud and identity theft report on the credit bureaus. I have continuously made several attempts to speak with the company for them to remove the fraud account but to no avail they will not.