23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Commonwealth Financial Systems,  Incorporated  XXXX    XXXX   XXXX    XXXX  NH  XXXX  Collection/charge off {$830.00} Paid by  insurance  & payment was verified through original company-  XXXX   XXXX   XXXX .  XXXX  sent proof of payment to Commonwealth to remove, but they have n't.      XXXX  insurance covered bill.     Hospital visit 6 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.
Product: Payday loan, title loan, or personal loan

I have a personal loan with XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Last month by the end of XX/XX/XXXX I spoke with the manager XXXX of this finance company because I was less than a week late on my payment. Due to am still making payment on my Mothers funeral home. My mom XXXX XXXX XX/XX/XXXX and I have n't finished making payments. I told the manager that due to personal issues I wanted to pay a payment arrangement the amount that I owe is around {$800.00}. and my payment is about {$98.00}. I said and I send them a letter stating that I will be sending payments every two weeks of {$24.00}. I was told that they were going to visit me at work, home and harassed my personal references and treat to send me to Court and Collections. I told them that if they could n't accept my payments and the only option was to send me to collections, well to go ahead and do so but then she retracted on what she said. Yesterday I got a visit to my house XX/XX/XXXX and they wanted to collect {$5.00}. cause I told them I had just send them a money order by mail. I started sending payments in money order since XX/XX/XXXX and I have given 3 payments so far but they are not accepting them. I already told them to stop going to my house but I am afraid they would n't stop, please help ... I am not hiding from my payment and I do n't want to be irresponsible
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX bankruptcy discharged Identification number : XXXX Date filed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See Essex Mortgage Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - DATA MORTGAGE XXXX : XXXX - ESSEX MORTGAGE COMPANY : XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a formal complaint regarding a missing funds transfer from my Bancoli account. I am a XXXX XXXX and have been a customer of Bancoli for more than 1 year. 

On XX/XX/XXXX, my client, XXXX XXXX ( an american based company ), transferred XXXX USD to my Bancoli account. Despite the successful transfer being confirmed by XXXX XXXX, I have been unable to access these funds. Bancoli, after weeks of complaining emails and followups has informed me that the funds were returned to the original sender, XXXX XXXX, however, my client has not received the refunded amount. I have requested details on this since XXXX XXXX Has not received the funds either. 

I have attached evidences on the original transaction from XXXX XXXX and the response from Bancoli, I have not heard back from them and they did not provide any email or escalation option.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, XXXX XXXX XXXX  Credit reporting agencies regarding their handling of my recent credit dispute. Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in several ways, resulting in continued inaccuracies on my credit report. 

Issues at Hand : 1. Dispute Denial Without Proper Investigation : Experian denied my dispute without conducting a reasonable investigation as required by FCRA Section 611 ( a ) ( 1 ) ( A ). I have never signed or submitted any documents that misrepresent the information, yet my dispute was rejected without adequate justification. I never signed anything saying it wasnt fraud either I was never notified at all 2. Illegal Re-Insertion of Disputed Accounts. XXXX XXXX XXXX XXXX XXXX  accounts These disputed account where removed but subsequently reinserted without proper notification, violating FCRA Section 611 ( a ) ( 5 ) ( B ). This section mandates that if an account is reinserted, the consumer must be notified within five business days, including the name of the furnisher and the reasons for reinsertion. I did not receive any such notice. 

Legal Implications : Experians actions are not only in violation of the FCRA but also have caused significant damage to my credit standing. As outlined in FCRA Sections 616 and 617, Experian is liable for willful and negligent non-compliance, which can result in damages, including actual, statutory, and punitive damages, as well as attorneys fees.

Desired Resolution : 1. Immediate removal of the inaccurate and disputed information from my credit report.

2. Written confirmation of the removal and a detailed explanation for the mishandling of my dispute.

3. Assurance of compliance with all FCRA regulations in future interactions.

I am requesting that the CFPB intervene to ensure Experian rectifies this situation and adheres to the legal standards set forth by the FCRA. Their non-compliance has negatively impacted my financial well-being, and immediate action is necessary. 

Thank you for your attention to this matter. 

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

My information was sold and bought illegally because I was a victim of Equifax data breach I want these items deleted from my credit report effective immediately. I'm attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Lists all those negative accounts from my credit reports that are on your Equifax credit reports. Account names & account numbers and file Your complaint with the CFPB. 

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

These inquiries are on my XXXX report and i need them remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I am writing to dispute inaccurate information on my credit report. My student loans are incorrectly listed as delinquent or past due, even though they are currently in deferment and no payments are required during this time. 

Details of the student loans : Lender/Servicer Name : XXXX XXXX XXXX Account Number : XXXX XX Deferment Start Date : XX/XX/year> Deferment End Date : TBD I have enclosed the following documents to support my claim : -A letter from my student loan servicer confirming the deferment status -Other relevant documentation Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the incorrect information on my credit report. Please notify me in writing once this issue has been resolved. 
Thank you for your attention to this matter. Should you require any further information, please contact me at XXXX. 

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account companies have violated my rights. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 with 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: Debt collection

Southwest Credit Systems, Account XXXX. XXXX opened a collection against myself on XX/XX/XXXX for a debt that I am alleged to owed XXXX in the amount of {$340.00}. I had XXXX XXXX ( Xfinity ) as of XX/XX/XXXX, until I moved to my new house, where XXXX was not offered. I paid XXXX on XX/XX/XXXX in the amount of {$300.00} to close my account and I also returned all equipment to XXXX in XX/XX/XXXX. Ever since then, XXXX has been sending this debt to collections every XXXX month since XX/XX/XXXX. Each time I send the collection company a copy of my XX/XX/XXXX bank statement from XXXX, to prove that I paid that debt and dispute the amount owed. First company was XXXX and now Southwest Credit Systems. On XX/XX/XXXX, I disputed this debt thru XXXX dispute center and on XX/XX/XXXX and the result of that debt was updated on XX/XX/XXXX that I owed {$340.00}, when in fact that I paid ( {$300.00} ) almost XXXX years ago. Basically, XXXX represented, XXXX, stated that I provide additional proof. Even though I explained that I do not owe this debt to Southwest Credit System or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit report from MARS INC is inaccurate and I have been trying to receive information to contact someone reporting this false information. This debit was falsely added in XX/XX/2018 and I disputed it recently. It took them the entire 30 days just to claim that the debit is accurate which is untrue! MARS INC and XXXX XXXX XXXX ( now under new managemt which makes it more difficult to give my attorney any information on who to actually contact ) needs to take this account off. I need to know who is reporting this false information. The apartment complex illegally kicked me and my family out because we complained too much. They did an eviction without going through the courts basically to save themselves time and money. That is illegal to do in the state of Kansas without cause and paperwork which me or my boyfriend who was also on the lease never received. I need to know who to contact in order to take them to court.
Product: Credit reporting or other personal consumer reports

HALSTED financial and XXXX XXXX reached out for me to pay a debt that was sold to them. I paid this debt settlement amount in full on XX/XX/year>. The creditor had agreed to delete the tradeline once paid, however this collection still appears open and reporting as unpaid on my account. Unfortunately this lack of accurate reporting has caused denied credit applications for both a car and home. 

Additionally, I disputed this information with the credit agencies and they did not update my report accurately, leading to further adverse credit denials which are severely impacting my life. 

I am requesting halsted financial and XXXX report to the credit agencies immediately that this a count shall be deleted from all reports.
Product: Checking or savings account

The company took my money and took my account I want my account back
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Cash App account was abruptly closed due to an alleged violation of the Terms of Service or Acceptable Use Policy. All features, including my Cash App card, were permanently disabled, and no specific reason was provided. I contacted Cash App support via email on the same day, requesting clarification, and was given an opportunity to appeal. I submitted my first appeal on XX/XX/XXXX, which was escalated for a 30-day review. On XX/XX/XXXX, I was informed of the account findings without any specific details regarding the violation. Cash App support agent XXXX offered another appeal opportunity, which made it seem as if my initial appeal had been ignored. I submitted a second appeal on XX/XX/XXXX, and was informed that the review process would take another 30 days under case # XXXX. Despite my request for clarification on the violation, XXXX responded again without providing any specific reason. On XX/XX/XXXX, I was informed that nothing further could be done by Cash App support. 

On XX/XX/XXXX, Cash App responded, citing a recent Consent Order with the Consumer Financial Protection Bureau ( CFPB ) related to historical customer service issues. However, my specific case remains unresolved, and I am still seeking a clear explanation for the alleged violation and a fair resolution, such as the reinstatement of my account or the return of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments reporting erroneously on my report. I can not understand how there is any accuracy on how they are verifying that the account is reporting correctly. Why is it that It shows 30, 60, 90 days and then goes back to reporting 30?  That is unbelievable. How can I be late up to a maximum of 90 days and then back down to 30? That doesnt seem correct to me. Not only is the late pays reporting incorrectly, they have also listed that my account was closed on XX/XX/2016. How is it that they are reporting that the account was closed on XX/XX/2016 but did not report it on my report? I am seeing other bureaus listed a different close date. This error has caused me financial damages through higher interest rates, no option to get a home even or even get a simple credit card. As a concerned consumer, I would like to be represented appropriately and not what the credit bureaus, creditors or collectors think is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Lowe 's credit card on XX/XX/XXXX and my application was denied. On XX/XX/XXXX I received a letter from Synchrony Bank in XXXX, FL indicating that the reason for my denial was that " Credit bureau reports applicant is deceased '' and that if information is incorrect I should contact the credit bureau - XXXX in XXXX TX. I called and the first think they asked for was by social security number which I refused to give. 
Obviously I am not deceased and I do not give out my social security number to prevent identity theft. This seems much like a scam to me. - Lowe 's should be notified and both Synchrony Bank and XXXX Credit Bureau investigated to prevent others to be exposed to this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a new Credit Card with Best Buys ( Citibank , N.A . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card. 

A letter was sent to me on X/XX/2017 Ref # XXXX stating I was approved the a " My Best Buy Visa Gold Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own. 

Furthermore, the XXXX credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by Best Buy on X/XX/2017 Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades. 

Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!